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Posted on 6/29/16 at 7:35 am to LNCHBOX
quote:
You're not gonna have any hobbies at $35k a year with no other income.
I mean...I've done it before, so I don't know why you would say this?
I ran, I hiked, I traveled, I kayak fished, and I cooked a lot...
are those not hobbies?
now I was living in a townhouse with a roommate and did not have a car note (I was driving my truck my parents bought me when I went to college), so obviously my bills were less, but if I was suddenly placed in this situation right now, I'd do the same thing
Posted on 6/29/16 at 7:36 am to LNCHBOX
35k can buy a lot of lottery tickets
Posted on 6/29/16 at 7:38 am to iamAG
quote:
My wife and I were talking, and I told her that she spends way more of our money than I do. Long story short, I was boasting and told her that if I were single I could make a budget that would allow me a house, and still save on 35k a year. I honestly think I can. Do yall believe you could.
Also, she said yea but you wouldn't be able to have any "fun" money and I told her that I could have $300 a month for play money. She is terrible with money so I feel she thinks you must make 140k plus as a household to live comfortable.
Shouldn't the question be 70k for a married couple? Are you telling her you are going to divorce her and then live like a hermit?
Posted on 6/29/16 at 7:38 am to iamAG
With no one else siphoning your wallet, Anyone can adjust and do it. 
Posted on 6/29/16 at 7:39 am to Asgard Device
quote:
A single guy will spend well over $300 on food unless he's eating shite every day.
Damn son. You do all your grocery shopping exclusively at Whole Foods?
My wife and I spend $400 on groceries a month and we eat very healthy.
Posted on 6/29/16 at 7:40 am to iamAG
quote:
Married men , could you live by yourself on 35k a year?
yes, however I also could drive a car with my feet, that doesn't mean it's to be done
Posted on 6/29/16 at 7:41 am to Salmon
How much cheaper was everything the last time you did this? The budget that OP or someone earlier gave lives zero wiggle room. You're not buying clothes, going on any sort of vacation, or handling an emergency bill.
Your life would be completely different if your income was cut to that level. Saying you could do that easily is a little disingenuous. Could I do it given no other alternative? Probably. But easy is not how I'd describe it, and if you're being honest neither would you.
Your life would be completely different if your income was cut to that level. Saying you could do that easily is a little disingenuous. Could I do it given no other alternative? Probably. But easy is not how I'd describe it, and if you're being honest neither would you.
Posted on 6/29/16 at 7:44 am to Breauxsif
quote:
Breauxsif
Your shtick is one of the worst on this site. You're also lying about your income based on glassdoor and payscale averages for the job title you claim to have
Posted on 6/29/16 at 7:44 am to iamAG
I already do....not hard if you don't go buck wild with your spending.
Posted on 6/29/16 at 7:46 am to LNCHBOX
quote:
How much cheaper was everything the last time you did this?
10 years ago? so I don't know...not that much cheaper
quote:
You're not buying clothes
Target son
quote:
going on any sort of vacation
going on backcountry trips is not expensive once you have the gear
quote:
handling an emergency bill.
I had a small emergency account with like $1k but it took me over a year to get there, so true...a big emergency would have hurt
quote:
Your life would be completely different if your income was cut to that level. Saying you could do that easily is a little disingenuous.
I said it would be different and I wouldn't like giving up the things I've grown accustomed to doing. That doesn't mean that I couldn't easily do it.
I grew up poor in rural LA. The majority of my life I did not have a lot of things. I'm pretty accustomed to living simply.
Posted on 6/29/16 at 7:48 am to LNCHBOX
quote:
How much cheaper was everything the last time you did this? The budget that OP or someone earlier gave lives zero wiggle room. You're not buying clothes, going on any sort of vacation, or handling an emergency bill.
It all starts with your living situation.
I lived in Charlotte by myself making $40k/year. I opted to live in an area that was a tad sketchy, but it meant that I was paying $500/mo on rent instead of the $800-1000+ that I would have been paying to live in other areas.
If you're willing to make sacrifices on your living situation, you can make it work comfortably.
Next step is to be extremely frugal about your groceries. I lived off cereal for breakfast (About $10/week for cereal and milk), Sandwiches and fruit for lunch (About $25-35/week), and made cheap dinners like spaghetti.
Living like this left me with plenty of money for savings and disposable income. I was also paying off student loans as well.
I won't say that it's fun, but it can be done fairly easily if you're willing to live a meager lifestyle.
Posted on 6/29/16 at 7:49 am to Salmon
$35k gross gives you $983 per paycheck if you don't save a cent for retirement. If you live in anything resembling a decent sized city, you're not going to have any money leftover after you cover the bare basics of living.
Obviously this is an easier challenge if you're in a rural area, but it's still not s lot of money and you're never going to be comfortable long term. Bottom line is OP's wife is right, but since this is the OT everyone will claim otherwise.
ETA: And Target isn't exactly cheap for clothing these days
Obviously this is an easier challenge if you're in a rural area, but it's still not s lot of money and you're never going to be comfortable long term. Bottom line is OP's wife is right, but since this is the OT everyone will claim otherwise.
ETA: And Target isn't exactly cheap for clothing these days
This post was edited on 6/29/16 at 7:53 am
Posted on 6/29/16 at 7:52 am to UGATiger26
quote:
I lived in Charlotte by myself making $40k/year. I opted to live in an area that was a tad sketchy, but it meant that I was paying $500/mo on rent instead of the $800-1000+ that I would have been paying to live in other areas.
If you're willing to make sacrifices on your living situation, you can make it work comfortably.
Next step is to be extremely frugal about your groceries. I lived off cereal for breakfast (About $10/week for cereal and milk), Sandwiches and fruit for lunch (About $25-35/week), and made cheap dinners like spaghetti.
Living like this left me with plenty of money for savings and disposable income. I was also paying off student loans as well.
I won't say that it's fun, but it can be done fairly easily if you're willing to live a meager lifestyle.
Well you're starting with $5k more than the number we've been discussing, that's a fairly significant increase (almost 15% higher).
Posted on 6/29/16 at 7:52 am to LNCHBOX
quote:
You're not gonna have any hobbies at $35k a year with no other income. All of y'all saying you could easily do it are using some extreme hyperbole.
What? From 2011 to 2014 I made under 35k. I put myself through school, played 40 rounds of golf a year, mountain biked all over the place, upgraded to an all carbon road bike, went to countless music festivals, traded in a paid off vehicle and took on a monthly note on a new vehicle, took about 2-3 flights a year for long weekend trips, and got big into kayak fishing.
If you can't live on 35k comfortable as a young single male, you're a fool.
Posted on 6/29/16 at 7:55 am to LNCHBOX
quote:
$35k gross gives you $983 per paycheck if you don't save a cent for retirement.
I was putting in 6% into my 401k and was bringing about that (after retirement)...I think we were bi weekly and not bi monthly though or the other way around, not sure, but your numbers seem slightly off
my starting salary at my first job was exactly $35k so I know this
quote:
If you live in anything resembling a decent sized city, you're not going to have any money leftover after you cover the bare basics of living.
is Shreveport decent sized? because if so...you're just wrong man, I'm sorry
people do it everyday quote:
you're never going to be comfortable long term
I can't answer how I would do long term though because my salary did grow fairly quickly, so...
Posted on 6/29/16 at 7:56 am to iamAG
If the $35k was take home pay...and I had no debt...maybe!
I might need about $45k take home to truly enjoy life.
I might need about $45k take home to truly enjoy life.
Posted on 6/29/16 at 7:59 am to LNCHBOX
quote:
Well you're starting with $5k more than the number we've been discussing, that's a fairly significant increase (almost 15% higher).
$5k more per year in salary translates to like $300/mo more in take home pay. Yeah that helps but it's not like that's a complete game changer, especially in a metropolitan area
Posted on 6/29/16 at 8:00 am to fillmoregandt
quote:
$35K Net? Or $35K Gross? Huge difference
Is it though?
Posted on 6/29/16 at 8:00 am to Salmon
quote:
I was putting in 6% into my 401k and was bringing about that (after retirement)...I think we were bi weekly and not bi monthly though or the other way around, not sure, but your numbers seem slightly off
My numbers are exact as of today
Where you claiming a bunch of exemptions, because I only claimed 1. quote:
is Shreveport decent sized? because if so...you're just wrong man, I'm sorry people do it everyday
Doing it and doing it easily are two extremely different things. And no, Shreveport is not big and the cost of living is low.
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