Curious…Average CC Bill (Spending Habits)

posted 2 years ago in Finances
  • poll: What is your average bill?
    500-1000 : (28 votes)
    21 %
    1001-2000 : (33 votes)
    25 %
    2001-3000 : (23 votes)
    17 %
    3001-4000 : (27 votes)
    20 %
    None of the above - please comment! : (22 votes)
    17 %
  • Post # 76
    Member
    9813 posts
    Buzzing Beekeeper
    • Wedding: September 2013

    megasaurus_rex :  unless you’re spending lots of money eating out or getting take out, $400/mo for groceries and household supplies is pretty low IMO.  Doable for a single person but I couldn’t do that with kids and my husband unless we lived on pretty basic stuff- beans, rice, bananas, super-couponing or something.  Obviously it would be doable if you need to, but if you otherwise meet your financial goals you could loosen this one up I think.  Unless you’re also spending $1k on eating out and then you could probably reduce that a lot!

    Post # 77
    Member
    1773 posts
    Buzzing bee

    kes18 :  yeah we’re a family of 3 with very limited eating out and our budget is $1200 a month. Healthy food is expensive we discovered.

    Post # 78
    Member
    14913 posts
    Honey Beekeeper
    • Wedding: June 2011

    There’s two of us, and according to our banking report summaries, about 2k a month, which include gas and groceries which probably make up about 5-600.    

    Post # 79
    Member
    3065 posts
    Sugar bee
    • Wedding: September 2014

    megasaurus_rex :  We pay off our card every week ( also a joint cc) and we put EVERYTHING on it. Groceries, gas, dining out, car repairs, vet bills, fun money, clothes ect. We get paid opposite weeks so it is nice whoever gets paid that thursday just kills the card 

    Typically the bill is approx 3K a month. trying to tighten that up…lol. We also pay whatever bills we can with the credit card for points. We never use cash or our debit cards 

    Post # 80
    Member
    995 posts
    Busy bee

    Right now I am not paying the bills besides a phone bill, car insurance, small stuff. 

    Paying off school loans (~25k in 1.5 years).

    But for me… mine is about $1000 a month… his is $2000. We are like you though. Pay everything we can on credit card for money back.

    SO… I guess $3000/month. Nothing caries over. That doesn’t include mortgage or electric/water I think. We have three dogs. I am postive we spend too much. But we are still saving and all that jazz. 

    Post # 81
    Member
    1665 posts
    Bumble bee
    • Wedding: April 2017

    We don’t have credit cards we save up cash and buy things when we can afford to. Student loans are paid. 

    Our only debt is our mortgage. 

    Post # 82
    Member
    196 posts
    Blushing bee
    • Wedding: May 2012

    megasaurus_rex :  I usually pay mine off right away so that I don’t have any interest. I put anywhere from $150-7000/month on it.

    Post # 83
    Member
    2082 posts
    Buzzing bee
    • Wedding: October 2018

    “Without knowing if/how they’re paying it off, the amount spent doesn’t tell you anything.”

    It gives you a rough idea of people’s discretionary expenses, so it actually tells you a lot.

     

    Post # 85
    Member
    2082 posts
    Buzzing bee
    • Wedding: October 2018

    “unless you’re spending lots of money eating out or getting take out, $400/mo for groceries and household supplies is pretty low IMO.  Doable for a single person but I couldn’t do that with kids and my husband unless we lived on pretty basic stuff- beans, rice, bananas, super-couponing or something”. 

    Agreed. I spent about $750 for groceries and household supplies last month and that was for (barely) 2 people. I do a lot of the grocery shopping, but my Fiance also grocery shops for himself so that’s not even 100% of the groceries.

    Post # 86
    Member
    6503 posts
    Bee Keeper

    Averages over $4K/mo, paid off every month, all about the points. We have a ton of travel points already, can trade CC points for gift cards to Amazon, Crate & Barrel, Williams Sonoma, Restoration Hardware, etc., etc. We spend a load of money on groceries. 

    We also live on a cash basis. It’s only debt if you don’t pay it off every month, people–we don’t pay interest!! 

    Post # 88
    Member
    10651 posts
    Sugar Beekeeper
    • Wedding: January 2011

    My guess is it averages around $3000.  Hard to say as we use multiple cards, they aren’t the same every month, plus there are expenses we get refunded for (medical that basic insurance doesn’t cover but HSA will, hotel rooms when Darling Husband works out of town, etc).

    I should probably do a better job of tracking!

    Post # 89
    Member
    1978 posts
    Buzzing bee
    • Wedding: September 2017 - Pearson Convention Centre

    We don’t use our credit card for day to day expenses. The last time we used it was for Christmas shopping and we finished paying it off this month.

    Post # 90
    Member
    1353 posts
    Bumble bee
    • Wedding: July 2017 - The Lodge at Little Seneca Creek

    Darling Husband and I use our credit cards for almost every purchase. We typically spend about $1200-1800 each month. This covers gas ($50-100 on average), groceries ($500-800 on average), eating out ($50-100 on average), food and things for our cat ($50-100 on average), fun activities like NASCAR races ($200-500 on average), charities ($50), and other things (Target runs, clothes, make-up, gifts, travel expenses, etc.).

    Although we don’t make a lot of money and live in a small condo, we’re all about having fun and creating memories! We could definitley set a budget and lower our monthly credit card spending by quite a bit, but, for right now, we’re happy, able to pay for everything, and able to save some money too.

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