/biz/ - Business & Finance

[Anonymous No.14553922]

How do some of you faggots manage to spend more than $300 a month after rent?

How many frappuccinos are you drinking everyday??

[Anonymous No.14553932]

>>14553922
brapp

[Anonymous No.14553971]

>>14553922
Bait?

>Electricity
>Gas
>Food
>Water
>Internet
>Cell

1st world countries are expensive as hell.

[Anonymous No.14553999]

I have a girlfriend.

[Anonymous No.14554002]

>>14553922
20 piece chicken nugget meal with large fry and drink is $10 X 7 days a week = $70X4= $280 and that's not counting if we get nuggies twice in a day.

[Anonymous No.14554047]

>>14553922

More like BRAPuccinos amirite?

[Anonymous No.14554067]

spend 500$ a month only on weed, still got more than 300$ after expenses.

>>14553922

[Anonymous No.14554095]

>>14553971
I can pay for all of this with less than 300 euros in eastern europe.
>inb4 this is third world
You can have all the luxuries and technology over here if you want, the only difference is you pay less for basic necessities

[Anonymous No.14554097]

>>14554047
good one mi amigo

[Anonymous No.14554141]

Its funny when people mention coffee as costing a lot, $1-2/day is like $4-600/year, but will spend $20k+ on cars, or drop a grand on a smartphone which is likely barely better than the one they have, or drink hundreds of dollars in alcohol in a single weekend. But they penny pinch shit like coffee.

Had a friend in college who would get drunk and start buying everyone drinks at bars, spending hundreds every weekend. Then during the week he would literally steal napkins and condiments from the dining hall, to save literally like 5cents.

[Anonymous No.14554142]

>>14553971
>>Gas
>not riding a bike everywhere
>>Food
>not making your own

[Anonymous No.14554143]

>>14554095
I'd unironically move to the eastern blok if the language wasn't so intimidating. I would fit in good, I don't smile every second when talking to someone and I'm genuine with my emotions unlike american. I only smile when I am actually happy/laughing other than that I'm always in a indifferent mood or curious mood.

[Anonymous No.14554167]

>>14553922
My electric bill is more than $300...

[Anonymous No.14554180]

>>14554095
>eastern europe.

We said first world, anon

[Anonymous No.14554192]

I spend 300 on sniffing braps

[Anonymous No.14554227]

>>14553922

because 300$ is only 1/15 of my monthly income you fucking pleb.

if I spend more time (/less money) on cooking or cleaning or other shit I literally loose money

[Anonymous No.14554243]

>>14554095
>Eastern Europe
Lol keep coping bro. We all know you live in a shithole

[Anonymous No.14554260]

>>14554227
> He pays someone else to clean his house

I would feel like such an haughty insufferable faggot.

[Anonymous No.14554385]

>>14554142
Matter can not be created or destroyed. So you are either buying or stealing some thing and cooking it

[Anonymous No.14554394]

>>14554260

It's not my fault there are so many dumb and lazy people in this world making 1/5 of what I am making doing shit jobs that are way less fun than what I have to do.

Why do you think your parents made you go to school? If you spend 100% of your youth trying to get laid, smoking/drinking, and watching dumb shit on tv, than that's on you.

[Anonymous No.14554429]

>>14553922
kek when I was accumulating my 55k linkies stack, I only ate rice and pasta, used laptop and wifi at mcdonalds, went there to watch movies or shitpost here, etc... and showered at the gym, did this for 5 months and put 99% of my income in chainlink.
now living normally though, paycheck to paycheck like a cucked wagecuck.

[Anonymous No.14554496]

>>14553922
Rent:1250
Health insurance:400
Gas:200
Car+renters insurance:188
Groceries:300+
Childcare:1000
Car loans: 450

My family spends about 3750$ a month on necessary items. I make about 4k a month, wife makes about 3600. Before taxes. Life is fucking expensive, kids are expensive. Being a single earner with no family has a lot of financial bonuses. But you won't feel the absolute joy of your own child asking for a hug before waving buh bye for bedtime.

[Anonymous No.14554533]

>>14554394

>Successful
>on /biz/

Pick one

[Anonymous No.14554553]

>>14554095
You call that shit hole Europe? Yeah, feel free to live in there with corrupted police, shitty healthcare, alcoholism and high crime rates.
I live in the God tier northern Europe and pretty much 300$ is just food and if you add all the basic necessities its easily 400-500$

[sleekmouse No.14554580]

>>14554095
You get what you pay for tax clown

[Anonymous No.14554602]

For 300$ you can have 1 meal at McDonald's daily for a month. Add breakfast, dinner and toilet paper

[Anonymous No.14554622]

How much should I spend on groceries? How do I get better at not eating out so much? That's where most of my spare cash goes and it sucks :(

[Anonymous No.14554639]

>>14554142
>Living like a medieval jew

[Anonymous No.14554704]

>>14553922
Wife and three kids, young-anon. Affluent neighborhood.
We hardly ever eat out. Costs $35 to go to Waffle House. Still spend $300 a week on food.
The washing machine is running continuously, 3-5 showers a day, the water bill is $300-$400 dollars.
Power bill, gas bill, dance costumes, soccer registration, "Dad, I need $10 for my field trip"; "Dad can I have $10 for the new Apex Legends season?"
$300 bucks ain't shit kiddo if you're planning on passing down your haplos.

[Anonymous No.14554742]

>>14553922
I go out for dinner and drinks once a month that alone is about $200

[Anonymous No.14554751]

>>14553922
i have a "mild" opiate addiction

[Anonymous No.14554756]

>>14553922
>weed
>goin out

[Anonymous No.14554792]

>>14553922
Save 10% of your income and invest 10% of your income.
You then make a budget for shit that you actually need.

[Anonymous No.14554843]

>>14553922
I don't because rent is 80% of my income
The other 20% goes towards bills and food
I spend maybe $30 a month on leisure items because that's literally all the money I have left

Fucking kill me

[Anonymous No.14555005]

>>14554496

Holy fuck this is depressing. Learn some self control man

[Anonymous No.14555129]

>>14553922
I probably spend close to $900 a month just on bits and bobs, stuff for the house, food, anything really.

[Anonymous No.14555141]

>>14555005
The fuck are you talking about.

[Anonymous No.14555334]

>>14553922

> Paid off townhome with crypto - Rent free

> $235 HOA

> $50 for Cable

> $90 Car Insurance

> $118 cell phone bill ...yeah this one is ridiculous

> G/F pays all Food, Water, Electricity including all eating out

> Prius, WFH, G/F pays $10-20 Gas

> G/F pays for Hulu/Netflix which might be around $30


Around $5.5K take home pay. 401K maxed, IRA maxed, HSA maxed. Rest into crypto.

[Anonymous No.14555357]

>>14553932
fpbp

[Anonymous No.14555385]

>>14553922
sauce

[Anonymous No.14555390]

>>14554143
same

[Anonymous No.14555392]

>>14553922
more like BRAPPuchinnos am I right?????

[Anonymous No.14555396]

>>14554496
>Wife gets 2600 after tax and pays 1000 for childcare, 225 for car loans, 90 for insurance and 100 for gas, ultimately making a net financial benefit of AT MOST 1200 dollars per month in order to outsource maternal duties to false mothers

HAHAHAHAHAHA HE FELL FOR IT FUCKING YIKES

[Anonymous No.14555405]

>>14555390
Man, there's going to be ink everywhere.

[Anonymous No.14555418]

>>14554142
Making your food from what? You need to buy the ingredients you know? Or do you have a farm with cows or something?

[Anonymous No.14555424]

>>14554553
What the fuck are you talking about? I live in Northern Europe too and places like Prague and Budapest are becoming vastly better thanks to Mohammed and nigger invasions in the north. Most of Eastern Europe has lower crime rates now too.

[Anonymous No.14555431]

>>14554843
same

[Anonymous No.14555436]

I live on Uber eats everyday pretty much.

[Anonymous No.14555594]

>>14554095
Which country

[Anonymous No.14555631]

>>14554496
> My family spends about 3750$

Jesus.

Is this unusual in Burgerland?

[Anonymous No.14555672]

>>14555631
he didn't even list electricity

[Anonymous No.14555684]

>>14555594
Lithuania

[Anonymous No.14555778]

>>14553922
Hue Lightning since moving away kek
ROI is huge, much comfyness

[Anonymous No.14555805]

>>14553922
Bbbbbbbbrrrrrrrrraaaaaappppppp

[Anonymous No.14555840]

>>14554095
I earn 4300eur after tax working 37hour weeks I don't even have a good degree. Spending 5-600 a month on groceries is ok, I still manage to save 1-1500 monthly.

[Anonymous No.14555883]

>>14554095
Nobody wants to live in your third world shithole, that's why it's cheap.

[Anonymous No.14556010]

>>14555883
Yeah, there's a lack of smart people who are willing to save up money and retire in a low cost of living country

[Anonymous No.14556038]

>>14553922
one big mac is $5.30 anon

[Anonymous No.14556055]

>>14555883
Some of those dark blue countries in central and eastern europe you can live for a fraction of what you spend in frappucinoland.

[Anonymous No.14556074]

>>14554843
>not keeping financial commitments less than 20% of his income

[Anonymous No.14556076]

>>14555672
Electricity is 80 a month, nat gas is about 60 during the winter.

>>14555631
In New England it is.

[Anonymous No.14556119]

>>14553922
Big Macs is expensive

[Anonymous No.14556142]

>>14556076
have you thought about using a gas generator? could be cheaper maybe

[Anonymous No.14556148]

>>14553922

Because I don’t trade shit coins and make enough real money that $300 is nothing

[Anonymous No.14556153]

>>14554553
bruh "northern europe" has higher crime rates than eastern europe with the exception of Finland
https://www.numbeo.com/crime/rankings_by_country.jsp

[Anonymous No.14556172]

>>14554095
Where are u from fren?
I'm from Ukraine. Cost of living is low here, maybe the lowest in Europe, still I'm spending around $50 per day just for common expenses.

[Anonymous No.14556210]

>>14554167
Been there bro, I finally had to move now I feel like I’m rich. 1 A/C unit per floor is absolutely the pinnacle of retarded house design.

[Anonymous No.14556223]

>>14556172
Lithuania

[Anonymous No.14556230]

>>14556142
I rent, so no. It absolutely won't be cheaper, because of the cost of the generator and batteries, noise and environmental pollution. Not worth it at all.

When i finally do purchase a home i will look into alternative energy options. Right now the market is not right for buying up here.

[Anonymous No.14556237]

>>14555631
Childcare in the US is literally meant to deter you from having children.

[Anonymous No.14556258]

how many LINK do I need to sniff her ass and then let her take a dump infront of me bros?

[Anonymous No.14556283]

>>14555684
Lithuania is 3rd world though

[Anonymous No.14556320]

>>14556283
Assuming that is true, what do you miss out on when living in 3rd world instead of 1st world?

[Anonymous No.14556329]

>>14556320
>is the 1st world really that much better than 3rd world?
oh sweetie...

[Anonymous No.14556330]

>>14554143
I would unironically welcome an amerifat roommate and help him adjust.

[Anonymous No.14556346]

>>14556329
Elaborate

[Anonymous No.14556356]

>>14553922
I live with my parents but I spend a lot of money on my girlfriend. I’m still managing to put ~$500 into crypto every two weeks.

[Anonymous No.14556398]

>>14555334
FUCK HOAS I HATE THEM SO GODDAMN MUCH

[Anonymous No.14556430]

>>14553922
whores and coke

[Anonymous No.14556510]

>>14553922
Sweet vishnu look at the toilet on that bitche

[Anonymous No.14556524]

>>14556223
From Ukrainian perspective Lithuania is kinda expensive.
U are very ascetic.

[Anonymous No.14556563]

>>14556524
I indeed am. But compared to western europe, for example, the rent prices are several times lower

[Anonymous No.14556576]

>>14556172
What... Unless you mean 40 of those 50 are for rent, how in the fuck are you spending your money?

[Anonymous No.14556642]

>>14556329
> is the 1st world really that much better than 3rd world?
Yes it is.
> be me
> live in Ukraine
> making around $4k/month from mining
> considered upper middle class because average salary is $400
> everything is very cheap, taxi ride $2, dinner in a luxury restaurant $30, model tier escorts $100. Rent of a decent flat almost in the city center- $500
> no niggers, sandniggers, mudsharks. Almost
> I don't pay taxes at all because the government is to weak to collect them. The only exception is VAT (sales tax).
So u fell for the first world meme.

[Anonymous No.14556657]

>>14553922
BBBBBBBBBRRRRRRRRRRRAAAAAAAAAAAPPPPPPPPPPPPPPPPP

snnnnniiiiiiffffffffffff...oh yes my dear....sssnnnnnnnnnnnniiiiiiiiffffffff....quite pungent indeed...is that....dare I say....sssssssnniff...eggs I smell?......sniff sniff....hmmm...yes...quite so my darling....sniff....quite pungent eggs yes very much so .....ssssssssssssssnnnnnnnnnnnnnnniiiiiiiffffff....ah yes...and also....a hint of....sniff....cheese.....quite wet my dear....sniff...but oh yes...this will do nicely....sniff.....please my dear....another if you please....nice a big now....

BBBBBBRRRRRRRAAAAAAAPPPPPPPFFFFFFFFLLLLLLLLLPPPPPPPPPFFFFFF

Oh yes...very good!....very sloppy and wet my dear....hmmmmm...is that a drop of nugget I see on the rim?...hmmmm.....let me.....let me just have a little taste before the sniff my darling.......hmmmmm....hmm..yes....that is a delicate bit of chocolate my dear....ah yes....let me guess...curry for dinner?....oh quite right I am....aren't I?....ok....time for sniff.....sssssnnnnnnniiiiiiiiffffffff.....hmmm...hhhmmmmm I see...yes....yes indeed as well curry......hmmm....that fragrance is quite noticeable....yes.....onion and garlic chutney I take it my dear?.....hmmmmm....yes quite.....

BBBBBBRRRRRRRRPPPPPPFFFFFFFFFFFFFFFFFFFFFTTTTTTTTTTT

Oh I was not expecting that…that little gust my dear….you caught me off guard…yes…so gentle it was though…hmmmm…let me taste this little one…just one small sniff…..sniff…ah….ssssssnnnnnniiiiiffffffffffff…and yet…so strong…yes…the odor….sniff sniff…hmmm….is that….sniff….hmmm….I can almost taste it my dear…..yes….just…sniff….a little whiff more if you please…..ssssssnnnnnniiiiiffffffffff…ah yes I have it now….yes quite….hhhhmmmm…delectable my dear…..quite exquisite yes…..I dare say…sniff….the most pungent one yet my dear….ssssnnnnniiiifffffffffffffffffffffff….yes….

[Anonymous No.14556713]

>>14556576
> how in the fuck are you spending your money
I'm going to the restaurant around 4 times per week and fuck escorts around 3 times per week.

[Anonymous No.14556716]

>>14554142
>the bike meme

chinkies pls go

[Anonymous No.14556753]

I spend at least $80 per week on food alone. What the fuck do you eat? A man can only subsist on top ramen for so long.

[Anonymous No.14556811]

>>14556563
Yeah western prices are fucking insane, especiallyin big cities like London, Paris or NY. I dunno why westerners don't move here. Most of them don't earn enough to feel comfy with their prices, and the more they earn, the more they pay in (((taxes))). They are constantly stressed and in a rat race.
And if they sell everything they own and move to Thailand or Ukraine or Philippines etc., they can live a luxury life.

[Anonymous No.14556816]

>>14556172
Who the fuck makes 1500$ a month in Ukraine?

[Anonymous No.14556836]

>>14553922
You need to go listen to sam Hyde about you faggots complaining about a fucking coffee

[Anonymous No.14556878]

>>14554227
This only poor useless do nothing wageslaves do this shit

[Anonymous No.14556929]

>>14556816
Everyone who isn't wagecucking, obviously, or is at least wagecucking remotely for foreign market, makes much more than that. Ukraine is awesome if u aren't wageslave.
Wageslaves here suffer ofc, especially if they are from little cities.

[Anonymous No.14556934]

>>14556713
lol, n1

[Anonymous No.14557001]

>>14554143
cringe

[Anonymous No.14557042]

>>14553971
If your in a 0.2st world country like me u have to pay 1/3 paycheck for healthcare + insurance

[Anonymous No.14557089]

>>14554095
>Eastern Europe
You mean where €30000 is considered a top tier salary?

[Anonymous No.14557109]

Luxuries only?
>Sandwich/Burger + Drink every other day while I'm out = ~60bongs a month
>E-liquid + Coils = ~40bongs a month
>Creative resources (sound packs, pencils/paint, theory books etc) = ~30-60bongs a month
~Vidya = ~20-40bongs a month
~Food for the fridge/freezer = ~120bongs a month
~Takeaway = ~50bongs a month
Social Events (Cinema usually at the very least + dinner) = ~25-70bongs a month
~Phone credit = ~20bongs a month

There's more minutiae than this but there you have it, easily over 300

[Anonymous No.14557157]

>>14556929
I'm actually going to ukraine this fall, would you happen to have any cheat codes or recommendations? We're thinking kiev, one of us has been there already, but are open for anything. Heard Ukrainians are more open to Scandinavians than other westerners, is that true?

[Anonymous No.14557212]

>>14557089
> You mean where €30000 is considered a top tier salary?

We earn our money online here, I think you're looking for facebook.com if you want to discuss your next wacky tie purchase with your coworkers.

[Anonymous No.14557255]

120 a week rent
150 a week food
200 aside for bills
rest goes to crypto
aus btw, i earn 600 a week, 800 if i get an extra shift at work
probably gonna try get a second job soon so i can put more into crypto

[Anonymous No.14557274]

>>14557089
Fuck outta here with your wagecuck mentality. Btw 12k euros a year is top 10% salary, so don't bother wagecucking here

[Anonymous No.14557277]

>>14553922
I buy a lot of Brappuchinnos

[Anonymous No.14557405]

>>14554095
this
plus the sandniggers aren't flooding our countries because we have no gibs for them. we are set for the future. i am mega comfy sitting on my 20k link stack as well.

t. belgrade anon

[Anonymous No.14557422]

>>14557157
Depends on what u like.
There are only 3 cities here, Kyiv, Lviv and Odesa, the rest isn't worth visiting.
booking.com/hotel/ua/asteri.uk.html?aid=318615;label=New_Ukrainian_UK_19114768945-4K3AGamGqawtkFNkc225dQSM217273373279%3Apl%3Ata%3Ap1%3Ap2%3Aac%3Aap1t1%3Aneg;sid=7ded5c027daf6274780bbd9b9f90f261;dest_id=-1044367;dest_type=city;dist=0;hapos=1;hpos=1;ref_is_wl=1;room1=A%2CA;sb_price_type=total;sr_order=popularity;srepoch=1562165760;srpvid=0cbe690076a10089;type=total;ucfs=1&
I'd recommend this hotel, it's in the center, relatively cheap and very clean.
Best places in Kyiv for me are the Bald Mountain (Lysa Hora) Andriyivsky Uzviz with another mountain (Horevitsya or Zamkova, there once was a castle and now there is an old graveyard) and the whole Podil.
U should hire a guide, they know some very interesting stories about each place and usually are very professional.

[Anonymous No.14557550]

>>14557157
> Ukrainians are more open to Scandinavians than other westerners
If u are a real Scandinavian and not "new" Scandinavian somewhere from middle east, then probably yes. Most of us are friendly to white foreigners, and for a large percent of girls being married with a foreigner is equal to making it.
Some of Ukrainians have never been abroad and TV constantly tells that West is prospering, so they think Western Europe is wonderland and westerners are all millionaires.

[Anonymous No.14557601]

>>14554394
Calm down dude.

[Anonymous No.14557608]

>>14554143

[Anonymous No.14557643]

>>14554143
fuck off we're full
you have chosen your fate, now enjoy your diversity

[Anonymous No.14557786]

>>14553999
checked and gay

[Anonymous No.14558274]

>>14556642
Travel to a first world country for a week.

[Anonymous No.14558406]

>>14558274
It's the same just more niggers and everything is more expensive.