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Posted: 2/13/2020 2:03:47 PM EDT
[#1]
Quote HistoryQuoted:
With very few rare exceptions, I don't spend 4k a month including the mortgage and all other necessities. |
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Posted: 2/13/2020 2:25:30 PM EDT
[#2]
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I live quite a ways below my means and have been for about 10 years. I wanna retire EAAAAAARLY |
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Posted: 2/13/2020 2:33:14 PM EDT
[#3]
Uh. Easily.
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Posted: 2/13/2020 2:34:19 PM EDT
[#4]
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There comes a point where you are just buying stuff to buy stuff. Really have been trying to cut back on that. Excluding mortgage 4k a month is hard to hit if you own your vehicles. /case closed |
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Posted: 2/13/2020 3:19:38 PM EDT
[#5]
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I own a Jeep. /case closed Quote HistoryQuoted:
Quoted:
There comes a point where you are just buying stuff to buy stuff. Really have been trying to cut back on that. Excluding mortgage 4k a month is hard to hit if you own your vehicles. /case closed |
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Posted: 2/13/2020 3:21:36 PM EDT
[#6]
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thats just my budget for the hookers. dont even get me started on how much i spend on the blow... |
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Posted: 2/13/2020 3:22:30 PM EDT
[#7]
If you count saving as spending then yes. $2000 a month right now is either going to college savings for my kids, or a retirement account for my wife or myself.
My wife has a $500 a month car note. I pay an extra $500 a month on my mortgage (I assume it's ok to include extra money on the mortgage for this, I'm not counting the required monthly amount on my mortgage). $300 a month goes to charity. Then my food / baby supplies bill is pretty expensive right now, well over $700 a month. And of course utilities too... So there's more than $4000 a month right there. |
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Posted: 2/13/2020 3:23:42 PM EDT
[#8]
Quote HistoryQuoted:
If you count saving as spending then yes. $2000 a month right now is either going to college savings for my kids, or a retirement account for my wife or myself. My wife has a $500 a month car note. I pay an extra $500 a month on my mortgage (I assume it's ok to include extra money on the mortgage for this, I'm not counting the required monthly amount on my mortgage). $300 a month goes to charity. Then my food / baby supplies bill is pretty expensive right now, well over $700 a month. And of course utilities too... So there's more than $4000 a month right there. 
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Posted: 2/13/2020 3:24:29 PM EDT
[#9]
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No mortgage, no vehicle loan, no credit card debt. Retired and essential expenses run on average of $1650 a month and it includes ALL expenses that make up essentials including insurance on two vehicles and house as well as property taxes and internet and cable. Hell I even budget $60 a month for Christmas spending. Discretionary expenses( play money) runs from $300 a month to as much as a $1000 a month. Life is good. |
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Posted: 2/13/2020 3:25:28 PM EDT
[#10]
I am $5k minimum for food and bs alone every month.
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Posted: 2/13/2020 3:26:59 PM EDT
[#11]
My fucking quarterly taxes are more than 4K a month.
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Posted: 2/13/2020 3:29:41 PM EDT
[#12]
Including my house payment i spend about 1200 a month
I have a brand new car too |
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Posted: 2/13/2020 3:43:51 PM EDT
[#13]
Quote HistoryQuoted: |
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Posted: 2/13/2020 3:53:47 PM EDT
[#14]
We do not have any mortgages, car loans, or debt.
We spend $18K per year on property taxes before we spend a dime on ourselves. So $4K - $1.5K = $2.5K per month on ourselves. |
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Posted: 2/13/2020 3:53:55 PM EDT
[#15]
No way.
I don't even earn 4k a month. 
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Posted: 2/13/2020 3:56:20 PM EDT
[#16]
Considering daycare and healthcare are over 2k, yes.
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Posted: 2/13/2020 3:57:04 PM EDT
[#17]
Improving a piece of property, putting in a boat ramp and bulkhead, finishing a shop and outdoor kitchen, starting on a house...
4k a month easy... |
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Posted: 2/13/2020 4:08:32 PM EDT
[#18]
I earn 4.7 k a month after taxes, so spending $4k a month would suck!
Some big earners here. |
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Posted: 2/13/2020 4:13:06 PM EDT
[#19]
A lot more than that. We both work and do OK, invest/save plenty, so it’s fine, but the amount we spend on random crap is fucking ridiculous.
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Posted: 2/13/2020 4:13:51 PM EDT
[#20]
Including the mortgage, we don't even that much.
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Posted: 2/13/2020 4:15:54 PM EDT
[#21]
Daycare for two kids alone is $2700. utilities $400-500 all in, $150 a month insurance for two cars, $200 gas money, easily $4k above. avg $7k
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Posted: 2/13/2020 4:56:06 PM EDT
[#22]
Quote HistoryQuoted:
Quote HistoryQuoted:
Quoted:
If you count saving as spending then yes. $2000 a month right now is either going to college savings for my kids, or a retirement account for my wife or myself. My wife has a $500 a month car note. I pay an extra $500 a month on my mortgage (I assume it's ok to include extra money on the mortgage for this, I'm not counting the required monthly amount on my mortgage). $300 a month goes to charity. Then my food / baby supplies bill is pretty expensive right now, well over $700 a month. And of course utilities too... So there's more than $4000 a month right there. Everything is a line item in the budget, and "pay yourself first" is a mentality that these things get "paid" first, before anything else. Sure, if push comes to shove, they don't repossess your car when you skip "car fund" payments to yourself..... but for many people, saving for retirement, college, and personal savings are the biggest line items in a monthly budget. |
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Posted: 2/13/2020 6:16:04 PM EDT
[#23]
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Holy shit on the insurance cost! Is that normal? Quote HistoryQuoted:
Quoted:
PG&E was $500 last month. Food bill was close to a $1,000 Health Insurance was $2,400 Soooo... without much digging at all we are almost at $4k. |
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Posted: 2/13/2020 7:25:57 PM EDT
[#24]
Excluding rent, not even close. I've never mathed it out all the way, but even including rent, probably only around the holidays or special "splurge" occasions.
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Posted: 2/13/2020 7:31:44 PM EDT
[#25]
What's a mortgage?
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Posted: 2/13/2020 7:32:45 PM EDT
[#26]
Quote HistoryQuoted:
Excluding rent, not even close. I've never mathed it out all the way, but even including rent, probably only around the holidays or special "splurge" occasions. |
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Posted: 2/13/2020 7:32:53 PM EDT
[#27]
Quote HistoryQuoted:
With very few rare exceptions, I don't spend 4k a month including the mortgage and all other necessities. |
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Posted: 2/13/2020 7:34:02 PM EDT
[#28]
damned night vision and ammo costs...sigh
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Posted: 2/13/2020 7:36:33 PM EDT
[#29]
Quote HistoryQuoted:
Quote HistoryQuoted:
Quoted:
If you count saving as spending then yes. $2000 a month right now is either going to college savings for my kids, or a retirement account for my wife or myself. My wife has a $500 a month car note. I pay an extra $500 a month on my mortgage (I assume it's ok to include extra money on the mortgage for this, I'm not counting the required monthly amount on my mortgage). $300 a month goes to charity. Then my food / baby supplies bill is pretty expensive right now, well over $700 a month. And of course utilities too... So there's more than $4000 a month right there. |
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Posted: 2/13/2020 7:38:26 PM EDT
[#30]
Hahaha That's more than what I bring home in a month. I'll go be poor somewhere else.
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Posted: 2/13/2020 7:50:21 PM EDT
[#31]
Not including mortgage probably not. Could pay bills with just my salary. But wife works as a 20 year RN. So it helps not worrying about eating out. Maybe by the end of this year we will see light at the end of the tunnel. I lost everything in a family business after the crash of building RE in 08/09. Been rebuilding since.
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Posted: 2/13/2020 7:53:28 PM EDT
[#32]
Probably right at $4000, house is paid off though. When temperatures warm up that I'll fish in, that $4k turns into 5 or 6.
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Posted: 2/13/2020 7:57:53 PM EDT
[#33]
Wakeboarder thread.
I think it was aimless that posted a list of thread topics started by OP. He will be able to put together a decent profile on many of you. Very valuable to advertisers. |
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Posted: 2/13/2020 8:01:15 PM EDT
[#34]
I don’t spend 4K a month and have no plans to start . I’m stacking cash deep after I pay bills and out money into my retirement investments ..
I have no intention of working at 60 which is not far away. |
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Posted: 2/13/2020 8:06:44 PM EDT
[#35]
I don’t make that in take home so no.
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Posted: 2/13/2020 8:13:03 PM EDT
[#36]
Quote HistoryQuoted:
Wakeboarder thread. I think it was aimless that posted a list of thread topics started by OP. He will be able to put together a decent profile on many of you. Very valuable to advertisers. Advertise elsewhere. |
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Posted: 2/13/2020 8:19:40 PM EDT
[#37]
No, not most months as I am cheap. During vacation months it can be well over $10 per month.
Ok so now that I think about it, On average, probably yes. Probably only spend around $1500-$2000 on a normal month. |
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Posted: 2/13/2020 8:20:20 PM EDT
[#38]
Quote HistoryQuoted:
What's a mortgage? |
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Posted: 2/13/2020 9:56:20 PM EDT
[#39]
I sure try not to
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Posted: 2/13/2020 9:59:04 PM EDT
[#40]
Quote HistoryQuoted:
Yes, roughly $500-$700 a month into two retirement accounts. However, as long as my business is doing well, retirement accounts won't matter. |
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Posted: 2/13/2020 10:05:22 PM EDT
[#41]
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We’re somewhere around $3k in student loans alone.  |
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Posted: 2/13/2020 10:06:22 PM EDT
[#42]
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No way |
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Posted: 2/13/2020 10:09:15 PM EDT
[#43]
Nope.
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Posted: 2/13/2020 10:19:32 PM EDT
[#44]
We definitely do if you're including everything except mortgage.
Everything except mortgage we spend like $6k easy. Yes... we're on the Dave Ramsey plan, we spend way too friggin' much. So like $3k of that is credit and car debt we should knock out in the next 18 months. |
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Posted: 2/13/2020 10:21:46 PM EDT
[#45]
Bills are about 400 a month excluding mortgage. I give myself 300 a week for food, gas, and whatever else. So 1600 a month. Have about 3k extra per month. I usually put extra on the house, into savings or investments or on random stuff I want
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Posted: 2/13/2020 11:34:46 PM EDT
[#46]
Quoted:
That's just stupid. Kentucky is saving $2K/mo. Why don't you tell us your monthly income and expenses big man? Pretty much only buying steel cased ammo these days, and even that, I've cut back on... |
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Posted: 2/13/2020 11:48:51 PM EDT
[#47]
If you were to just count the monthly recurring expenses, no.
But there are regular irregular expenses like re-roof, re-carpet, paint, property taxes, car tires, furniture, computer, phone, college, etc that it moves to yes. |
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Posted: 2/13/2020 11:52:28 PM EDT
[#48]
Quote HistoryQuoted:
There comes a point where you are just buying stuff to buy stuff. Really have been trying to cut back on that. Excluding mortgage 4k a month is hard to hit if you own your vehicles. |
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Posted: 2/13/2020 11:55:13 PM EDT
[#49]
Quote HistoryQuoted:
Since I don't take home that much I can't spend that much.
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Posted: 2/13/2020 11:57:47 PM EDT
[#50]
When I'm paying for a vacation, yes.
Couple times a year, maybe. Most are paid for before we take them. |
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