Post # 1
Average it and make educated guesses please. If you don’t feel comfortable saying, then don’t reply 🙂
Rent-$825 w/ heat incl.
Gas- $800 (way too much driving)
Cable/phone/internet- $37 (SO has an employee discount of about 90%)
= $2,037/mo or $24,444/yr. My SO’s income is about $58,000/year before taxes.
Post # 3
Mortgage – $1400
Strata – $260
Cell phones – $120
Cable/Internet – $83
Electricity – $26
Auto Payments – $750 – (Me 175, him 525)
Auto insurance – $305
Gas – $500 (budgeted)
Groceries – $680 (budgeted)
Restaurants – $300 (budgeted)
RRSP – $500
Clothing – $250 (budgeted)
Personal care – $100 (budgeted)
Allowances – $400 (200 each in cash for any purchase we see fit)
We typically spend about $5000/month. We save an additional $4500 for long/short term savings, extra mortgage contributions or larger one time time purchases/vacations. Combined income about $160,000 gross, $98,000 net. after taxes, deductions and work pensions being taken off.
Post # 4
- Wedding: October 2011 - Bed & Breakfast
That’s a really interesting question. For the 3 of us, here’s what we have:
House payment: $2210
Electric bill- $230 last month
Food and personal care products- about $1100
Car payments: $570
Satellite tv: $90
Phone/internet (cellular): $300
Car Insurance: $120
Medical co-pays and medications: $300
Pet supplies: $50
EDIT: Does not include life/health/dental/vision insurance premiums, retirement contributions, pre-set investment amounts, or automatic savings account contributions
Post # 5
Less than $2500
- House payment- $450
- Cell phone- Mine is $80, his is $45 (he has prepaid)
- Groceries- $250-300
- TV/Internet/Home phone- $160
- Power/Water- $115
- Car insurance- I don’t know, my parents are still paying for that because I don’t have a job.
- Car payment- $200 a month, but my parents also still pay for that because I don’t have a job.
- Gas- I budget $100 a month for my gas, but unless it’s around the holidays, I only fill up twice a month, so it’s usually more like $70 for my gas. FH drops $70 every time he fills up, so he budgets $200. He also gets crap gas mileage.
- $300 for whatever else.
Ours is usually about $1470 a month, usually a little less. I didn’t factor in the car payment in my average because I’m not paying it right now.
Post # 6
Rent: $855 (includes gas/water/gardener)
car payment $350
auto gas $150
car insurance (2cars) $126
electric $70 winter/ $300 summer (we live on the desert!)
grocery (including toilet paper/shampoo/dog food) $600
clothes/dates/eating out $500
student loan minimum payment $175
nextissue (magazine subscription) $15
ETA ***not including my pension, insurance, and roth ira that is taken out of my paycheck before I even see It!
**approx $3,600 a month
Post # 7
This doesn’t include our pension, union dues, or various insurances:
- Rent – 880
- Food – $400, give or take $50
- Car Payment – $310
- Gas/vanpool – $300
- Car insurance – $200
- Utilities – $100
- Various bills – $100
- Student loans – $400
- Cable/Internet/Hulu – $50
- Fun money – $500
- Savings – $700
- Tithe – $430
So that’s almost $4000 a month. We make about $4200 combined after taxes/insurance/etc, so it’s not too bad. We live in a very cheap area of LA, so we pay about $1000 less in rent than most of our friends. We need to make about $600 more before we have a baby though! Good thing we are building our savings!
Post # 8
Rent : $1600
Contents Insurance: $40
Health Insuance : $180
Cable TV: $90
Dog Insurance: $40
Car Insurance: $40
Landline and Internet: $60
Mobile Phones (mine and OH): $170
So around $300
Then I guess fun money like eating out, going to the movies, shopping etc…
We make around $8000 after tax so we save a fair bit per month…
Post # 9
Not including food, about $1400.
Post # 10
Electricity/Gas- $70 winter/ $30 summer (we don’t have a/c only use gas heater Dec-February unless March is cold)
Hulu- $8 I think
School (jc): ~$150
Car/renters insurance- $75
Groceries/ Housewares- $400
Pet Supplies- $20
Fun money – $550
SO and I both make over $2000 a month. Our “fun money” is spent individually- we don’t monitor eachother as all of our money is separate, we split rent 50/50 and alternate paying for different meals/bills- except I’m the only one with a car… Oh.. he takes the bus… so it’s over $3000, not sure how much the bus costs, but I don’t really consider that as an expense- just subtract it from his pay.
Post # 11
- Wedding: October 2011 - Bed & Breakfast
Coming back to this because I forgot to add in Mr. LK’s commuting costs of $400/month. Seriously, where are my HCOL ladies? I feel so alone. haha
Post # 12
I am in an interesting situation because a lot of it is subsidised. I don’t count my pension and health, because they are national systems, not personal. I am estimating in USD, but with the recent changes the Yen had dropped a lot, so a month ago you can add about 5%
I pay about $370 per month for rent. This is a one bedroom apartment and subsidised (about 50%)
transport $200. This excludes getting to and from work, as work pays
student loan $300
University (I am doing grad school part time and paying my way) $350
Utilities About $200
Phone and Ipad (essential with a 1 1/2 hour each way train commute!): $130
Food (very expensive in Japan) at least $300
Total (for one): $1850
If I didn’t have my subsidies it would be more like 2500ish
I also factor in the cost of flying home to New Zealand every couple of years and immigration costs, but won’t include those here, because they aren’t typical.
ETA: About $500 savings on top of that, and a couple of hundred fun money, and more than I should on travel money 😉
Post # 13
Can I ask- where do all you guys live that cable/net/etc…..runs under $100/month?
We have tried everything- every combo/discount/hotspotting for internet- we CANNOT come in under 150 and we don’t even have all the channels LOL-
please tell me how you do this?
Post # 14
Well under $1,000. I live at home rent free, which is my parents’ way of helping me through grad school. Car insurance is $90, gas is about $100. Food is about $100 too, since I buy my own. Other small bills like phone, etc. add up to about $150. I also need to pay down student loans, but don’t have a specific bill for that right now since I’m enrolled in a grad program full time as of Monday.
Post # 15
Cell Phones: $160
Groceries/Joint purchases acct: $500 is what we both contribute though we don’t spend this entire amount monthly so it accumulates
Hulu/Netflix: $18 I think?
Car Insurance for two vehicles: $77
Gas for vehicles: ~$300
Though we don’t split the gas and our car insurances- we pay for both of those individually because his insurance is higher and I have a much much longer commute so more gas. He also pays for his own car payment though I’m not sure what that is offhand and his student loan. I am able to save more than him bc of this. And after we get married our finances will probably remain mostly unmerged though we have discussed combining them down the line once his loans are paid off.
Post # 16
how do you spend $300 a month in food for 2 people?!
We spend close to $150 every week! We don’t buy organic or expensive items either.