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  1. #1
    Join Date
    Nov 2007
    Location
    Dallas, TX
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    8,946

    What are your monthly expenses?

    What do y'all spend for housing, car, phone, etc.?

    Just curious. You don't have to answer!

    -mike
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  2. #2
    Join Date
    May 2008
    Location
    Iowa
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    Well my phone is about $100.00 a month, it's a smart phone with all the gadgets included. My car insurance is about $100.00 (damn sports cars) but, no monthly car payment YAY! I currently still live at home so I do not have any housing payments and such. I'm saving up my money to buy a house which will have a built in office also for clients and such
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  3. #3
    I wish my insurance was only 100 bux a month.

    I drive a 2003 Protege 5 and mine's 252.54 a month

    Rent is 750 for a 2 bedroom townhome in downtown cincinnati

    Car payment is 145 a month

    Cable TV/Inet is 100 a month

    Phone is covered by work

  4. #4
    Join Date
    May 2008
    Location
    Iowa
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    Quote Originally Posted by Kymerik View Post
    I drive a 2003 Protege 5 and mine's 252.54 a month
    I have a 2005 Mitsubishi Eclipse and they consider it a sports car which it kind of is. It would have been more if it was V6 instead of a V4. I'm also a 23 year old girl with no accidents or speeding tickets on my drivers license that's why its so cheap. When I had a 1996 Cavalier it was like $30.00 a month, LoL.
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  5. #5
    Join Date
    Nov 2007
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    Quote Originally Posted by Kymerik View Post
    Rent is 750 for a 2 bedroom townhome in downtown cincinnati
    Hmm, roommates or no? (noticed the 2-bedroom)

    -mike
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  6. #6
    Join Date
    Sep 2004
    Location
    Chicago
    Posts
    843
    Mortgage 1200
    Elec about 120 per
    Gas 30 now but up to 270 in winter
    Comcast 86.per
    Water and garbage 95 every 2 months


    Then you have food,and booze plus a Expensive Girlfriend hehe.

    Add about 1200 per for that last sentence.

    Oh yeah plus Child support to the Ex thats cheap only 478 per ending in October woohoo!!
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  7. #7
    Join Date
    Sep 2004
    Location
    Smade's Inn
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    1,021
    I'm branded EFM Level 3 from the Navy. I have 3 separate entries into the CDC database and I learned I have one in the NIH. So, I live at home. My credit card bills are high ($950 per month), but that's because during the move to here I was the one handing over plastic everytime.
    WHT is now used as the Universal Hosting Helpdesk.

  8. #8
    Join Date
    Sep 2008
    Location
    Dallas
    Posts
    58
    $1000 rent(with about $20-$30 for water), $60 phone bill (MetroPCS is great if you never leave the city), Cable/Internet $115, Electricity was $320 last month, but usually about $200, Insurance... well I run out of money about here and haven't had it for two months. :/

    Plus a girlfriend and beer... I gave up eating to support these habits.

  9. #9
    Join Date
    Mar 2008
    Posts
    606
    are ther any tiny office spaces ? i mean like college dorm room size.

  10. #10
    Join Date
    Nov 2007
    Location
    Dallas, TX
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    8,946
    Quote Originally Posted by jjk2 View Post
    are ther any tiny office spaces ? i mean like college dorm room size.
    Somewhat, but it's rare to find those for under $300/month. Some are up to ~$700/month. Occasionally you find one as low as $150-200/month.

    Your luck may vary!

    -mike
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  11. #11
    Join Date
    Jan 2002
    Location
    Ohio
    Posts
    3,139
    $400 rent (100 week)
    $100 insurance (monthly)
    $40 in gas (monthly... I live one block away from the shop)
    $200 food (monthly)
    $90 comcast (monthly)
    $360 weekly expenses such as lunch, drinks, tool replacement as needed, etc. (figured monthly @ $90 week)

    Total: $1,190
    I bring home $1,200-$1,300 month.. Life nearly at the bottom but at least I'm still employed. This week and last is tough though because I only brought home $90.

    Edit: Forgot phone.
    $30 every 2 months. Prepaid phone, cant beat the price for my usage. Verizon, and all the others want $300 deposit, and $160 monthly for 600 minutes... Fsck that. In 4 years, I've used all of 960 minutes or so.
    Last edited by MGCJerry; 08-11-2009 at 04:34 PM.

  12. #12
    Join Date
    Sep 2004
    Location
    Chicago
    Posts
    843
    Quote Originally Posted by Mike - Limestone View Post
    Somewhat, but it's rare to find those for under $300/month. Some are up to ~$700/month. Occasionally you find one as low as $150-200/month.

    Your luck may vary!

    -mike
    I use my second of 4 bedrooms as a office. Great for tax deductions as I work mostly out of the house.

    That 30 foot commute doesn't hurt in the morning either, my only detour is to the kitchen for coffee and then the bathroom.
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  13. #13
    Join Date
    Sep 2008
    Location
    Dallas
    Posts
    58
    Quote Originally Posted by Patrick67 View Post
    I use my second of 4 bedrooms as a office. Great for tax deductions as I work mostly out of the house.
    I'm thinking about moving into a 3 bedroom to do this, I have found that houses in my area are cheaper then renting apartments.

    I just recently learned I could do this as a tax deduction.

  14. #14
    Join Date
    Aug 2001
    Posts
    4,028
    BAH! Expenses make me want to cry.

    Monthly expenses include:
    ~$300 Green Shield Coverage
    ~$105 Vehicle Insurance
    ~$450 Vehicle Payment
    ~$300 Cable TV (3 HD boxes), Internet, Phone
    ~$65 Cell Phone
    ~$25 Home Security
    ~$200-300 Gas, Water, Hydro
    ~$350 auto invested (GIC's and RRSP's)

    Then my absolute favorite is Property Tax. Pisses me off everytime I have to pay it. ~$900 (4) times per year.

    Thankfully we no longer have a mortgage. We're very blessed.

  15. #15
    Join Date
    Aug 2005
    Posts
    521
    Next to nothing right now, however I'm looking at a boat!

  16. #16
    Rent - $250 (Renting a room from a friend, economy hit me hard)
    Phone - $80
    Internet/TV - $40
    Insurance - $33
    No car payment since I drive a motorcycle.
    ~$200 food/other things everyone needs
    Almost forgot ~$150 every 1 - 3 months for tattoo's.

  17. #17
    Join Date
    Dec 2000
    Location
    The Woodlands, Tx
    Posts
    5,962
    My cost of living is about $4000 per month, though I don't have time at the moment to give an itemized breakdown of it all. Gotta get on roof to see meteor shower

  18. #18
    Join Date
    Oct 2001
    Location
    Ohio
    Posts
    8,299
    Mortgage $750 (It's actually only $500, but I pay extra)
    Rent $900
    Gas $60 in summer - $300+ in winter
    Electric $350 in summer - $90 in winter.
    Water $50
    Garbage $35 a quarter - $11.33 a month, I guess?
    Renters Insurance $27 a month
    Home Owners Insurance w/ flood protection $60
    Home owners association $75
    Phone/Cable/Internet $250
    Cellular Phone $110
    Car $252
    Car Insurance $90
    Netflix $17.00
    Maghound $5.99

    If you want to figure in entertainment, bar, food expenses, it's probably roughly $200 a week.

    I should note that my parents rent my house, and pay for the utilities for that house, but most of the stuff is still in mine so they just reimburse me in the rent payment. So really I'm not paying the mortgage, part of the gas, electric, water and I don't pay any of the garbage.

  19. #19
    Join Date
    Jan 2006
    Location
    EVERYWHERE!!!!
    Posts
    587
    Credit Cards - $50.00
    Cell Phone - $112.00
    Verizon FIOs - $212 something
    Car loan - $242
    Insurance - $95 something

    I spent maybe $60 on gas, I only fill up once a week. I drive a Hybrid!

    Then, I count the $800 I put in my savings and CD's a expense so I don't miss it.
    Last edited by GarrettReardon; 08-11-2009 at 11:47 PM.
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  20. #20
    Join Date
    May 2002
    Location
    East Bay, CA
    Posts
    1,250
    Rent - $1100 (2 bed / 2 bath duplex)
    Electricity - ~$150 (includes garbage)
    Cable/Internet - $100
    Car - $250
    Car Insurance - $140
    Cellphone - $120
    Gas - $10 (for the house that is)
    Water - Free!

    Otherwise... cigarettes, food, gas for driving, other misc expenses... who knows. It varies. We make about $3000 a month after taxes and it all goes somewhere, never anything left.

  21. #21
    Join Date
    Jan 2006
    Location
    EVERYWHERE!!!!
    Posts
    587
    I am looking at buying a building downtown for a good deal. So that's another $816.73 a month for a $150,000 loan. Gotta love the VA, low interest rates!
    Last edited by GarrettReardon; 08-11-2009 at 11:53 PM.
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  22. #22
    Join Date
    Jul 2002
    Location
    St. Louis, MO
    Posts
    1,652
    My expenses are far less than my income is. =)
    Happily hosting @ Dathorn.com (Since 3/2003), Ispeeds.net (Since 2004), & Quadspeedi.net (Since 7/2005)!
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  23. #23
    Join Date
    Jun 2009
    Posts
    98
    Monthly expenses tally up as follows.

    Car Insurance: £442.
    Internet: £20.
    Landline Phone: £14.
    Mobile Phone: £75.
    Petrol: £250.
    Rent: £750.
    Satellite TV: £40.
    Utilities: £100.

    Now I think about it, I spend too much money.

  24. #24
    $50 phone bill
    $500 House rent
    $450 office rent
    $100 for food to live!
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  25. #25
    Join Date
    Feb 2002
    Posts
    1,137
    Quote Originally Posted by Avalon Systems View Post
    Monthly expenses tally up as follows.

    Car Insurance: £442.
    Internet: £20.
    Landline Phone: £14.
    Mobile Phone: £75.
    Petrol: £250.
    Rent: £750.
    Satellite TV: £40.
    Utilities: £100.

    Now I think about it, I spend too much money.
    £442 a month on car insurance! What are you driving?

  26. #26
    Join Date
    Jul 2009
    Location
    New Zealand
    Posts
    2,320
    oh well... i'm trying not to think about it until now

    in NZD!

    Rent: $300/week
    Food: $250/week
    Power: $250/mo
    Water: $100/quarterly
    Internet/Phone: $200/mo
    Insurance: $120/mo
    mobile phone $40/mo
    Petrol (aka gas)$110/mo
    Credit Card $600/mo
    Personal Loans $150/mo
    Car maintenance $300/yr
    Entertainment $100/mo

    Travel/Leisure $5k/yr =)

    Oh well a good price to pay to live i a beautiful country and stone throw away from the beach!
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  27. #27
    Join Date
    May 2008
    Location
    Iowa
    Posts
    1,138
    Its nice to see alot of people have a set amount they put away in savings. Very refreshing!
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  28. #28
    Join Date
    Sep 2004
    Location
    Chicago
    Posts
    843
    Quote Originally Posted by Noble - Limestone View Post
    I'm thinking about moving into a 3 bedroom to do this, I have found that houses in my area are cheaper then renting apartments.

    I just recently learned I could do this as a tax deduction.
    Get a good accountant!

    You'd be suprised whats deductable when working out of the house.

    Make sure you have that room dedicated to work though.

    You can basically deduct a percentage of all bills as business expenses, and some all like internet,phone if used almost exclusively for work.

    Hell if you have to buy new furniture for that room... Woohoo thats a business expense!! I redecorate once a year
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  29. #29
    Join Date
    Jul 2000
    Location
    Colorado Springs, CO
    Posts
    2,280
    Quote Originally Posted by Mike - Limestone View Post
    What do y'all spend for housing, car, phone, etc.?

    Just curious. You don't have to answer!

    -mike
    Too much, and now with most US mortgages losing value it just makes it that much more bitter. One thing an economic change like this will do for the country is make everyone re-evaluate their "needs" vs their "wants" . I just need to have my wants
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  30. #30
    Join Date
    Sep 2004
    Location
    Flint, Michigan
    Posts
    5,765
    This is in Michigan.

    Mortgage (includes taxes and home insurance): $700/mo
    AT&T TV / Internet: $200/mo (movie channels, highest tier, etc... could probably get away cheaper here if we wanted).
    Cellphones: $90/mo (two phones, shared plan)
    Groceries: $400/mo give or take
    Electric: $100/mo on average
    Gas: $100/mo on average
    Water: N/A (well water)
    Sewage: $200/year I believe
    Gas: Maybe $100/mo if there's a lot of driving done. With me working at home and the girlfriend working 10 minutes away we usually use about $50/mo.
    Home Phone: $5-7/mo (Vonage)
    Pets (2 dogs): probably about $50/mo
    Napster: $5/mo (can't live without it these days)

    I'm sure there's a multitude of other charges as well but this gives a general idea

    Curious are you looking at getting a home or similar? You are also not required to answer
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  31. #31
    Join Date
    Feb 2007
    Location
    Wadsworths, IL
    Posts
    224
    $500/m 1 bedroom apartment
    $650/6months for insurance
    Car is paid off - 2008 Dodge Charger
    $50/m Cell phone bill
    $100 Cable/internet
    $25-$75/m avg gas bill.

    $50-$100/m girlfriend lol

    Bout it..can't really think of anything else lol
    Last edited by romes; 08-12-2009 at 05:18 PM. Reason: typo
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  32. #32
    Join Date
    Nov 2007
    Location
    Dallas, TX
    Posts
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    Quote Originally Posted by romes View Post
    $500/m 1 bedroom apartment
    $650/6months for insurance
    Car is paid off - 2008 Dodge Charger
    $50/m Cell phone bill
    $100 Cable/internet
    $25-$75/m avg gas bill.

    $50-$100/m girlfriend lol

    Bout it..can't really think of anything else lol
    Nice! How did you pay off your car so quickly?

    -mike
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  33. #33
    Join Date
    Sep 2005
    Location
    In canada
    Posts
    3,213
    Quote Originally Posted by romes View Post
    $500/m 1 bedroom apartment
    $650/6months for insurance
    Car is paid off - 2008 Dodge Charger
    $50/m Cell phone bill
    $100 Cable/internet
    $25-$75/m avg gas bill.

    $50-$100/m girlfriend lol

    Bout it..can't really think of anything else lol
    Interesting you must be a robot and do not need to eat at all. Kools kools first robot i ever met .

  34. #34
    Join Date
    Feb 2007
    Location
    Wadsworths, IL
    Posts
    224
    Food, forgot that one. I spend about $50 a week on food. Well, my uncle passed away and left me $30k after taxes. I bought a car with that money and put the rest away.
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  35. #35
    Join Date
    Nov 2007
    Location
    Dallas, TX
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    Quote Originally Posted by romes View Post
    Food, forgot that one. I spend about $50 a week on food. Well, my uncle passed away and left me $30k after taxes. I bought a car with that money and put the rest away.
    Not bad Hopefully your car wasn't too expensive?

    -mike
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  36. #36
    Join Date
    Feb 2007
    Location
    Wadsworths, IL
    Posts
    224
    Yeah, wasn't too bad. It was $25,585. I was happy when I got the money, but sad that I got it the way I did.
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  37. #37
    Join Date
    May 2006
    Location
    San Francisco
    Posts
    7,200
    ~ $1300/m for 2br apartment including utilities/internet/tv.
    $4770 for college tuition every semester.
    ~ $500/m for misc. stuff like food, drinks, impulse buys, etc.
    $50/m for cell phone.
    Car was bought in full, but I don't recall the insurance cost on it at the moment.

    That's all I can think of for now.

  38. #38
    Join Date
    Oct 2003
    Location
    Chattanooga
    Posts
    8,985
    ~8k-10k a month on servers
    ~400-900 on phones / cell - ranges wildly depending on if I'm traveling.
    ~1k a month on rent (woot, lower than previously -- and this one has a mountain view!)
    ~360 a month on car insurance. Ridding of said car shortly and sticking with my bicycle, not a fan of waste in the form of insurance largely because it doesn't even include collision. Paid $2k for the car (2002 hyundai elantra, greatest car ever).
    ~40 p/mo on internet

    My food ranges anywhere from 2-4k a month, but looking to reduce that significantly as we speak. As a bachelor, eating out a lot -- never a grand idea
    Last edited by David; 08-13-2009 at 10:46 PM.
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  39. #39
    Quote Originally Posted by David View Post
    My food ranges anywhere from 2-4k a month, but looking to reduce that significantly as we speak. As a bachelor, eating out a lot -- never a grand idea
    What kind of food are you getting for 2 - 4K a month?

    I don't think it would be possible for me to eat 2 - 4k worth of food in a month.

  40. #40
    Join Date
    Oct 2003
    Location
    Chattanooga
    Posts
    8,985
    Quote Originally Posted by dlewis23 View Post
    What kind of food are you getting for 2 - 4K a month?

    I don't think it would be possible for me to eat 2 - 4k worth of food in a month.
    Really, really good food At $30-40 a meal it adds up rather quickly. I rarely eat out alone, so maybe it's the friends I should stop feeding. In all honesty though, even grocery visits are extremely expensive so either way it's lose-lose.
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