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re: Break it down - your finances
Posted on 4/28/15 at 9:00 am to KG6
Posted on 4/28/15 at 9:00 am to KG6
I don't spend shite on clothes, hardly use my ccs, have a low car payment etc etc and still feel like I don't have enough free flowing cash to be comfortable.
Whenever people ask me what I miss most about being young?
"not paying for shite"
For those that are in the 28-35 range and have gotten a few of those "raises", do things get more comfortable? I feel like I'm busting my arse in what I thought was a damn good job, living in a super low cost city and still feel like im treading water sometimes.
Whenever people ask me what I miss most about being young?
"not paying for shite"
For those that are in the 28-35 range and have gotten a few of those "raises", do things get more comfortable? I feel like I'm busting my arse in what I thought was a damn good job, living in a super low cost city and still feel like im treading water sometimes.
This post was edited on 4/28/15 at 9:01 am
2
Posted on 4/28/15 at 9:09 am to STLhog
31 married, 1 kid.
Our net (after insurance, 401K, HSA) is roughly 60% of our gross. $800/mo goes into 401K, $415K goes into kid's HSA so we get the full $5K back at end of year.
Going through my mint budgets:
Mortgage - $2,000
Utilities - $300
Auto insurance - $230
Gas - $150
Student loan - $250
Auto - $220
Groceries - $500
Restaurants/Bars - $400
Gym for both - $100
Childcare - $ 850
Wife slush fund (mostly clothes/shopping) - $350
My slush fund (mostly golf) - $350
Usually have $1200-1500 leftover that goes into stock market.
Our net (after insurance, 401K, HSA) is roughly 60% of our gross. $800/mo goes into 401K, $415K goes into kid's HSA so we get the full $5K back at end of year.
Going through my mint budgets:
Mortgage - $2,000
Utilities - $300
Auto insurance - $230
Gas - $150
Student loan - $250
Auto - $220
Groceries - $500
Restaurants/Bars - $400
Gym for both - $100
Childcare - $ 850
Wife slush fund (mostly clothes/shopping) - $350
My slush fund (mostly golf) - $350
Usually have $1200-1500 leftover that goes into stock market.
Posted on 4/28/15 at 9:24 am to STLhog
quote:
For those that are in the 28-35 range and have gotten a few of those "raises", do things get more comfortable?
Nope
. There's always something else. Live like you are poor for as long as possible and save up money. I did it for about 3 years. Then I started making good money (I've doubled my salary in less than 5 years and it wasn't too shabby to start with [engineering degree]). I started paying to have my lawn cut, maid, overall more expensive lifestyle. It's totally within my means as I have a lot more money coming in, but it doesn't really feel like it. It goes straight into retirement, etc. Plus, it's damn near impossible to go back to that "poor" mindset I was in 2 years ago. I used to buy my underwear at the dollar store, now I have a hard time not buying the organic spaghetti sauce that's 4 times more expensive .
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