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/biz/ - Business & Finance

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280308 No.280308[DELETED]  [Reply] [Original]

What's your cost of living /biz/?

Break down ALL of your expenses here. Let us see how frugal all of you are.

Include where you live.

>> No.280358

my shitposting rig uses $900 of electricity a month, but it does keep the place warm

>> No.280360

single male, boise idaho

Rent: $620 studio
Utilities/internet/phone/ect..: $300
Food: $300
Car Gas: ~$80

~$1300 per month vs $4k income

how frugal is this? I know I probably spend too much on food, but I really enjoy fresh quality meat.

>> No.280412

>>280360
Your food costs are fine, especially is you're /fit/. Utilities seem a little high though, but overall your expenses:income ratio is great. No car loan, right?

>> No.280474

married with 2 kids under 6
mortgage 1850
maintenance 260
car lease 310
internet, cable, phone 150
gas 70
electric 80
food 400
misc entertainment 500
$5800 income after taxes

>> No.280481

>>280412
yeah, no car loan... bought it out-right for 5k when I moved out

>> No.280511

I net ~$3,500/month after taxes.

>Rent
$500. I rent 2 bedrooms in a house. Includes all utilities and internet.

>Transportation
I own a car. I pay $500/year uninsured motorist fee because liability doesn't do shit and premium coverage would be $500/month because of my age.

>Food & Health
I spend about $250/month on food and groceries, and $50/month membership fee to a 24/7 gym I go to 3-4 times a week.

>Entertainment
I spend $50 a month on a Net 10 phone. I spend $10 a month on Netflix and $50 a year on Playstation Plus. I spend roughly $100 a week on going out, shopping, etc.

>> No.280517

$135 train ticket (taken out pre-tax)
$35 car insurance
$50 in gas
$50 food
no rent (live at parents house)

Make $3,200 a month after 401k, taxes, all other deductions.

>> No.280519

>>280517
Forgot phone bill. $60 a month

>> No.280548

Childless couple, DFW area Texas
Rent: $950
Utilities: <$150 all year
Food: $500 (we eat very nicely at home and eating out comes from entertainment budget about once a week)
Gas for both cars: ~$75 a month
No loans
Car Insurance: $150 a month combined
Entertainment: $200-300 a month combined

So around $1300 give or take in expenses vs. about $6000 give or take in after-deductions/tax income.

>> No.280552

>>280360
surprised idaho is that expensive

thought moving from the coast to the midwest might be a good idea to stretch neetbucks but that's as expensive as california

>> No.280565

>>280552
We'll my studio dead center of the city, you can get a studio in Nampa (20 min drive from Boise) for about $400.

Where do you live in cali that's $620 for a studio? I'm actually aiming to move out there because I'm tired of snowy winters.

Thought when I look at studios/apartments in cali, I can't find anything that isn't a drug street for under $1000 in the LA areas.

>> No.280574

>>280548
Are there too many Mexicans in the DFW area?

>> No.280581

>>280548
>Utilities: <$150 all year

Wow. Do you even pay for electricity at your place? How is that so low? Also, does nobody here have health insurance?

>> No.280590

>>280581
>paying $100 for stupid insurance
as long as you live healthy and don't do psychically stupid things, it's a waste of money.

>> No.280620

Living in Memphis, TN
Rent: $900/month
Utilities: ~$150/month
Food: $250/month
Alcohol:$150/month
Gas: $100/month
Internet and Cable: Free to me because generous as fuck upstairs neighbor
Netflix: Free to me because generous friend

Income: ~$3672/month pre-tax, plus miscellaneous capital gains from stocks and bonds.

>> No.280653

I net ~3800/month

Rent: $300
Car: $185
Braces: $260
Insurance: $50
Gas: $120
Food: $500
Loan: $50
Credit Card: $80
Subscriptions: $20
Entertainment/Electronics/Clothing: $500

Remaining ~$2000

I need to work on the food, I eat out a lot

>> No.280950

>>280565
>dead center of the city
maybe that's it.
you can get a studio for that price almost anywhere but some of la and most of sf. you could be living in the heart of sacramento at that rental rate, but i suppose the other stuff might be more expensive.

>>280620
>the south
>900
>not a single family home
you anons are destroying my dreams.

>> No.280961
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280961

Car Note: 500
Phone: 150
EZ Tag: ~50
Trash: 60

I live with my parents so they pretty much take care of the rest and I never went to college so I don't have debt.

Net is ~6,000 monthly.

>> No.280974

Location: Tri-Cities, Washington
Rent: $688/mo - 1 bedroom (biggest mistake)
Apartment Utilities: No more than $80 in the winter, no more than $40 any other times.
Luxuries (Internet and Netflix) $38
Gas: $100
Food: $200
Weekend Entertainment: $100 a month
Auto/Health/Life Insurance: $100

Just under $3000 gross monthly income.

>> No.280981

>>280961
live in texas btw

>> No.280990

>>280981

how is texas? i've lived in dallas before and there were too many minorities/niggers

>> No.281020
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281020

Location: Phuket, Thailand
Occupation: American English teacher, mostly teach teenagers and young adults.

Rent/Utilities: Free, payed for by my employer. I live in a 1 bedroom apartment close to the beach.
Food/Alcohol: $70 a month, food is incredibly cheap here. A lot of of the locals who know me feed me free.
Transport: None, I don't drive I walk to work.
Cell phone: Like, $80 a month.
Loans: None, richfag jewish parents paid for college, never took out any loans or anything.

Income: $1,100 a month, more than enough to live here. I only spend about 25% of my income, the rest goes into stocks and savings.

>> No.281030

>>281020

I'm so jealous right now. How do I become an english teacher in thailand? I have a 4 year degree.

>> No.281040

>>281030
Assuming you are white and have a passport from the U.S, Canada, U.K, South Africa, Australia, or New Zealand you can become a teacher very easily.

I recommend you fly to Bangkok and take a month long class to get a TEFL (Teaching English as a Foreign Language) certification. You don't necessarily need one to work here but it opens up more doors for you and you will meet a lot of other English teachers who can help you get employment.

Feel free to ask anymore questions.

>> No.281042

>>281040

What is thailand like compared to suburban america? I'm white and american.

Is it easy to get laid for tall white men in thailand?

>> No.281050

manhattan

rent + util - 1680
food - 300
entertainment - 120
misc - 200

>> No.281051

>>280308
Single male, Phx AZ

Rent: ~$800
Elec: ~$120
Cable/Internet: $140
Phone: $120
Gas: ~$125
Insurance: $50
Food: $350
Entertainment: $300
Misc: $50

Total $2055
Gross income is about $5500

Probably gonna drop Sprint when my contract is up and switch to Boost or something similar so Ill save 100 a month on phone

>> No.281052

>>280990
Lel not any better. If anything Dallas is whiter than Houston

>> No.281059

>>281042
Depends where you live, Bangkok is a major metropolitan, the rest is either rural rice farms or lovely tropical beaches. It's pretty comparable to the U.S, it's an entire different world and culture.

It's very easy to get laid as long as your white. Everyone assumes you are rich and a Thai girl to be in a relationship with a white man is a great status symbol for her, she will be viewed superior by her group of friends. So white men are very valueble here to women.

Just be careful of the scams and child prostitutes, I've heard so many horror stories.

>> No.281063

>>281059
I ment its uncomparable to the u.s, not comparable.

>> No.281065

>>281040
I'm an English teacher myself.

I've taught in Taiwan, China, and Japan.

This man knows what he's talking about.

Personally, unless you just want to enjoy Japan, stay away and stick with the less developed areas of asia. They are nicer and you get paid more (because of less living expenses).

Also, don't take too low of a wage and be an asshole. If one of us foreigners take a lower wage, that wage starts being the norm across that area. We want to keep the price for our services high.

>> No.281068

>>281065
Yeah I tell teachers who come here not to take less then 30,000 Baht($930 U.S dollars) a month for their first job. After some work experience you should get paid more.

>> No.281069

>>281051
based on this how much car payment can I afford? I am thinking of getting something for around 500 a mo.. of course that will bump insurance up but I am ok with it

>> No.281073

Rent: $0
Utilities/internet/phone/ect..: $20/month (phone)
Food: $20/month
Transport: anywhere from $20-$60 per month
Entertainment: $20-$40 a month

>> No.281075

>>281068

I have ~100k saved. The problem I have with moving to thailand is my income will go down drastically.

I'll save for a few more years, and move there entirely. I'll certainly visit soon.

>> No.281080

>>281065
>>281040
Do you teach kids or adults? I have no interest in teaching kids and I'm curious what the market is for adult TEFL, and although my case is for Latin America I'm sure it's analogous.

>> No.281081

>>280360
Single male, Boise Idaho here as well.
Rent $225
Utilities $100
Food $250
Car: $60

~$650 vs $1600

I work and go to school at the moment, what do you do for a living?

>> No.281085

>>281075
This is not the kind of job for people who want to make a lot of money, you will make plenty of money to live comfortably but I only make about $13,000 a year. But I would rather make that much doing what I enjoy, living next to one of the best beaches in the world, and getting to fuck my Thai girlfriend every night than making 100k a year in the U.S being miserable. No regrets.

>> No.281090

>>281080
I teach teenagers and young adults. The market is plenty big for all ages.

>> No.281088

>>281085

>tfw no qt thai gf

>> No.281089

55k/yr income

0 cost of living aside from when I eat out and gas.

Living at home has it perks. I should chip in but it's not like my parents need it.. I try to help out in other ways when I can.

>> No.281092

>>281068
Good man. Keep our industry going strong.

Don't let it turn out like Japan. All the Weeboos have over-saturated the market.
It is much cheaper to have a revolving door policy in Japan than it is to keep teachers.
I know because I just recently started here.


I've always been curious about Thailand, but I think that I might take the job I was offered at PUST in North Korea.

>> No.281096

>>281080
In Taiwan, I just taught kids.

In China, I taught kids, highschool students, and some adults. Of course, they just wanted me for my computer science degree.

In Japan, I teach all ages. The work is easier but the pay is shit when you factor in living costs.

>> No.281100

>>281096
how is living in Japan with shit pay

Is it enjoyable at least?

>> No.281113

>>281069
>buying a depreciating asset with credit.

That's retarded friendo.

>> No.281114

>>280360
Damn, Caldwell, ID here.
Bout to get laid off, heres what I have mapped out:
Rent $185
Food $100
Car $200
Phone $175
Utilities/net $40

Vs. right around $1000 til I can find a job

Male, girlfriend and 3 roomates about to be a student.

Know of any jobs? haha

>> No.281138

>>281100
Well, it depends how you live. Japan is expensive as fuck and they are increasing the consumption tax a whole 5% this year. (from 5% to 10% in one year!)

The other expats, or foreigners, here tend to be total assholes. It lacks the comradery of Taiwan and China. People are crammed up their own asshole here when they learn just a bit of Japanese. Most won't want to talk to you because you are "ruining" their immersion in the Japanese culture with your white face and English. /rant

The only people that I've really met abroad that have rubbed me the wrong way are people from the UK. Granted, not all of UK people are dicks because I have a few close British friends in China, but some just have it out for Americans. I think that it is because American English is much more preferred abroad, due to movies and what not, that they feel a little snubbed because of it. I completely understand, but don't blame us for their choices. /rant2

I get paid about 2500 USD per month here. It is enough to live and 25% savings maybe. You won't be eating steak every night, that is for sure.

>> No.281146

Living with parents. Going to uni 2nd year.
$0 loan, $0 monthly expense.
Monthly access to parents money: Infinite.
Monthly income: ~1k from my startup

Addicted to saving money, have a car, never drive, 2 hour bus to school idc. Never eat out, bring a lunch to school. Force parents to save money even though they don't need to, canceled cable, phone, and internet service. Found cheap as fuck unlimited internet, stream everything, voip phone = so much savings <3

>> No.281153

2300euro/month (3177$)

300euro for food (include eating outside, I've got lot of free food, a friend is working in a supermarket and give me food when the "best by" date is near)

Don't have a car, walk to my job (5min).

Live at my parent house (use to rent a flat 600euro/month, but fuck renting)

Don't have cellphone, hack neighbour wifi

500euro/month to my girlfriend who is jobless
500euro/month to my brother who is jobless

>> No.281162

>>281153
>500euro/month to my girlfriend who is jobless
wtf am i reading lmao wtf am i reading wtf am i reading lmao?

>> No.281188

Single, Male, 30, San Diego (North County)

Rent + Utilities = approx $1000/mo
Car = $220/mo
Insurance = $110/month
Phone = $100/month

No clue on the rest as I don't budget much I just make sure I save some every month. I bring in about $4K after taxes

>> No.282108

>>281050
Thanks for making me feel like shit, Anon. I'm living in Calgary, Alberta in a two bedroom and I just pay $1650 for rent. So I pay more rent than somebody in New York...

>> No.282137

Male, 22. Live in Wilmington, nc. 3 bed/3 bath apartment with 2 roomates around 1 mile from the beach.

> 500ish/month utilities and rent (more in summer with visitors + AC)
> 300ish/month on transportation (I drive quite a bit on the weekends for work/visiting my fiancé)
> 250ish/month on groceries for myself
> 70/month for car insurance
> 60/month for cell phone plan
> 50-60/month on dog food and pet supplies

~1k per month on needed expenses. Income is ~5.5k per month. I save roughly 55-60% of that immediately between a Roth IRA, 401k, and a high yield savings account.

Not as frugal as I'd like, but I'm putting back enough money to enjoy some of what I earn.

>> No.282146

>>282137
My mistake, around 1.2-1.3k per month on expenses

>> No.282151

>>282137
How do you keep your grocery bill so low?

>> No.282172

Rent: 223 €
Food and alcohol: ~200 €
Art and entertainment: ~30 €

I'm 2nd year university student in Finland. I got free Internet, water and electricity. My income is 450 € and it is payed by the government.

>> No.282198

>>282151
I have a garden where I grow quite a bit of fruits and vegetables (spinach, broccoli, cucumbers, peas, peppers, carrots, blue berries, black berries). Also, I'm a vegetarian.

> inb4 faggot

I buy a lot of things in bulk (quinoa, brown rice, black beans, any dry foods really). This saves quite a bit of money. I usually buy these things at the beginning of every month. The bulk of my grocery bill goes to beer and fresh produce. It goes something like this:
> week 1: around $100-$120 (bulk groceries plus everything else)
> weeks 2-4: $40-$50 per week on fresh produce and whatever else (usually beer)

I don't go out to eat often, usually only when I'm with family or my fiancé.

>> No.282216

rent : 528
utility/internet/tv : 28 dollars
phone : 67 dollars
food and alcohol : ~300 dollars
entertainment : 120 dollars

South Korea.
I eat out a lot, it would be possible to divide the food budget by 3 but that would be social suicide and not fun at all

>> No.282400

>>280620

grill detected

>>/v/