$1800 for childcare? Why is it so much?
$1400 for childcare? Could you find an alternative? Maybe a relative could take over the responsibilities?
I still don't know how/why our health insurance is so expensive. I thought it would be greatly discounted because my spouse works in a hospital and we are a healthy family of four. But she tells me, it is what it is, so I don't argue lest she inquire about how I spend my money.
The childcare is a necessity because it allows us to work more hours where we get paid way more than we have to pay for childcare.
What? You have got to be kidding me!
You pay the majority of the bills! What the hell is she spending $120k on? Someone has their priorities screwed. Also, I bet she's cheating on you. Probably spending the money on the young stud she's been dating behind your back.
I guarantee it!
is healthcare for all 4 of you? if so, thats pretty much the market rate for an unsubsidized family of four in CA. WE pay about 1500/mo for kaiser, though were on a gold plan which ive told my wife we could back on.
My rent is $2000 a month, honestly I dont expect any answers because there aren't any for me, we cant move because our kids need to go to the school in this area.
I'm more interested in others stories and what they did to either make more money or downsize themselves.
We where thinking of moving to Montana as an example then my wife got a job at the local jail.
Holy fuck! there's your problem. I pay $750 for mortgage and live in a 3000sqft house...granted I pretty much am surrounded by cousins of my uncles brother's wives.
That is the going rate in CA. I've got a friend who pays $2300 per month for a small one bedroom apartment in the South Bay. We keep telling him to just buy a house instead.
In comparison, we pay $5000 a month in mortgage for 4300 sq. feet in LA County. We feel pretty lucky compared to the INSANE rent/mortgage the Bay Area guys pay.
Holy fuck! there's your problem. I pay $750 for mortgage and live in a 3000sqft house...granted I pretty much am surrounded by cousins of my uncles brother's wives.
It's common to take a pay cut to move out of a big city, and yet still increase your quality of lifestyle.
Holy fuck! there's your problem. I pay $750 for mortgage and live in a 3000sqft house...granted I pretty much am surrounded by cousins of my uncles brother's wives.
It's common to take a pay cut to move out of a big city, and yet still increase your quality of lifestyle.
That sounds about right for CA. Are you self employed? I am, and the rate is far more than an employer based plan.I still don't know how/why our health insurance is so expensive. I thought it would be greatly discounted because my spouse works in a hospital and we are a healthy family of four. But she tells me, it is what it is, so I don't argue lest she inquire about how I spend my money.
The childcare is a necessity because it allows us to work more hours where we get paid way more than we have to pay for childcare.
These are my total costs per month based on a family of 5, (my fiancee pays her own gas, about $500 to food costs, plus buys her own lunches/etc):
Alarm Monitoring $21.50
Internet/Cable/Home Phone $209.00
Cancer Plan $8.90
Health plans$100 (only myself, my fiancee and her kids are covered, the 24 year old needs a plan, it high deductable but I have also free contacts/exams, wellness, $500k in life insurance / AD&D, and my dental is fully covered for my needs)
Flexible Spending $125 (going to increase this, tax free money)
Car Loan $446.61
Car Fuel $300.00
Cell Phones $115.00 (6 phones, one is for a poor kid and his family's only phone, I get reimbursed from my company for my phone plan fully)
Credit Payments $375.00 (My ex-wife's cards I got left with in a divorce plus a $9000 IRS bill I was left with)
DropBox $9.99
Electric $350.00 (average, goes from $250 to $550, turning off unused fans now and that is saving $30-50 a month...I can save more with a $800 investment to move my attic unit a bit)
Food $1,200.00 (working on this)
Fitness $74.00 (couple)
Insurance $295.00 (full 100/300/100 coverage on a 96 Honda Accord and 12 Mazda 3 GT)
Newspaper $0.00 (was $20 a month, I cancelled it 3 years ago and they still deliver)
School Loans $116.91 (<4% interest and a write off)
Sirius $16.50
Water $125.00 (average, getting closer to $90 now I have talked to the kids about starting a shower they don't get into right away)
Water Filter $8.00 (Aquasana)
Dog Food $55.00 (2 cans per day, was $190 a month for Merrick food, now on Kirkland Nature's Domain)
Cat Food/Supplies $150.00 (10 cats, was $72 per week on Science Diet, now on Grreat Choice, not a premium brand; but decent for cats)
Total $3,876.41
So my net expenses per month hovers around $4200, with a gross of $62k a year.
I could definitely cut costs down A LOT more and this doesn't take into account any extras like going out or taking a weekend vacation at a hotel.
I am living in a lower cost area of the major Metropolitan area.
The above also doesn't take into consideration 401K savings and the like, I try to do 10%
To lol at youWhy are you a member here?
Is that going to hurt me?
Do you really want to hold me?
Don't worry, to Dave anyone who doesn't hold a sign at the end of the turnpike is a 1%er
Oh my god 1%ers
You know, if you went down to the local community college and enrolled in a few remedial math courses and learned the difference between 20% and 1%, it would probably boost your earning potential.
My rent is $2000 a month, honestly I dont expect any answers because there aren't any for me, we cant move because our kids need to go to the school in this area.
I'm more interested in others stories and what they did to either make more money or downsize themselves.
We where thinking of moving to Montana as an example then my wife got a job at the local jail.
That's all I meant by it. The cities really are fine, it's just everything else that's a wasteland. Pretty much everyone that can has left or is leaving the small towns, leaving them populated with some of the least motivated, least capable, and most broken people you'll ever find. The natural flip side is that the cities have the best of the area.
My wife and I make well over $100k a year and we are in San Diego right now on vacation visiting our friends and it's really tough to think of a reason to not move here. If we didn't have family and roots in MD we would probably move here without hesitation. I don't think I've seen s cloud since I got here on Thursday.