Cost of living - Your help needed - What are your living expenses?
What are you paying for in your everyday life which isn't always taken into account?
Do you know of any such comprehensive spreadsheets. I want to get an accurate account of what people really spend per day, per month, per year to live.
Ultimately to figure out how much we need to bring in to live. Your help is desperately needed. Thanks to everyone who contributes.
Thanks again please consider EVERY cost.
Answer:
IN UK
Rent
Electric bill
water bill
council tax
tv liscence
cable
broadband
mobile phone bill
car tax
car M.O.T
car damages/replacement parts
Food
cigarettes
toiletries/ household cleaning products
hairdressers/beautician
dinner out and drinking
taxi/bus/tube/oyster card/petrol
car parking
clothes
charity
student loans
music/films/newspapers
house insurance
private health insurance and/or dentist changes
general savings
holiday savings
....how depressing, I've never made a list like that before.
I dont realy want to tell the world what my out goings are but I hope this list helped.
have you got to pay a fine?
Id love to help u but thats too heavy a question for this time of night in the UK . . . . . Night night
$1325.00 Nice living- Rent
$ 850.00 That'll do- Rent
$ 100.00 Light
$ 75.00 Phone
$ 75.00 Cell Phone 1 line
$ 150.00 Gas 1 car
$ 100.00 Gas
$ 300.00 2adults1kid Groceries Small kid
$ 300-500.00 Car
$ 280.00 Beauty Shop
$ 200.00 Trick Off Ends
$ 300.00-600.00 bebe store
now you do math
Opps!
$100.00 Pedicure/ Fill Ins
Damn! I forgot my credit cards and my dell account ohh and my macy's and that, and sears , best buy and i have 3 visa 1 mastercard and American Express Green Card(Balance due in full monthly) So thats got to be about another
$3000.00 amonth
Damn where did i get all these damn bills from
You're asking a question on a forum that's' read worldwide.
Everyone is so different that your question becomes too vague. How do you live and how do you want to ?
I travel a lot, and live well. perhaps I could live on 1000GBP or 670Euros but I'd have to shop carefully. In the U.S.of A. perhaps 2000USD, although I've never succeeded. In Mexico maybe 20,000MXN, again shop carefully. Yet when I lived on my sailboat less than half that. Money was invested on women, booze, living well, and the rest I just wasted.
A couple of the living expenses that a lot of people don't think about are "periodic" expenses. Holiday and birthday spending, renewing driver's liscense and car registration, annual physicals or bi-annual teeth cleaning, car or life insurance (if you don't pay the premium every month), etc.
A lot of times those things get forgotten because they're not monthly expenses.
Go to the store and buy Quicken. You can set up a budget and it tracks everything you spend, so you can calculate your living expenses.
There was a time when I had no idea. So I started to make a list of every expence. You would be supprised what I spent on prepackeged foods. It was embarassing what I spend in the vending machine at work. My soda budget would have started a nest egg at edward jones. In fact I was spending less on retirement savings than mountian dew. I spend enough to buy about 4 mountain dews a month now. Thats my limit. My retirement is up over a grand in just a year.
My kids were in dance and gymnastics classes. I was spending more on that than any other item. Then I paid for tickets to see the show. Then I paid for costumes. Then I paid for the party afterward. One day we found something else to do. As a result I paid off my mortgage. I OWN MY HOUSE. I retired at 46. My assets were frozen by the time I was 47. I started over a few months ago. I already am on my way to rebuilding my assets. I'm still not in debt again. And it all started by making a record of my actual spending. Gas was killer. I began to learn that there was a cost involved with maintaining my job. Clothes, gas, sooooo many miles on my truck, buying lunch instead of taking one from home commute time to and from. I discovered I could take a much lower paying job if it were closer to home. If I could find one in walking distance that would be sweet but thats the price I pay for living out of city limits. Finding the cost of maintianing your job can be an eye opener. The gas, miles and tires alone is killer. The cost of having two jobs and 2 cars and therefore insurance on 2 cars makes the second job questionable as to weither it produces income (positive cash flow) or not. It has been my experience that if your spouse is working as well it had better be a fat check or forget it. Take up gardening. It will cut your food budget.
Middle Class Family of 3 with Birds in Bangkok Thailand -
2 Checks earning $2500/month
food - i cook + eat home made food
4- 6 dinners / Movie / beach etch out per month
Total = $300
Utilities
Water 20
Electricity 60
Gas 10
Phone 25
Cell Phone 2 = 50
Cable TV = 40
Internet = 15
Garbage disposal = 1
Pet Food = 10
Ttl = 231 ?
New Hair cut / Personal care / Clothing Budget - normally I am below and my wife is above Budget
Me = $50
Wife = $100
House Mortgage = 700
Insurace for 3 = 300
Gas for 2 = 250
Boys Education = 500 - (School, piano, football, dresses, equipment, toys, pocket money, transportation etc.,)
Total = 2431 ?R ight?
Have we got anything left?
EnJoY
Go to the yellow pages and look up "credit counseling services".
If there is a local Consumer Credit Counseling Services (CCCS), go to their office.
The have budget paperwork that you can take home, think about, and fill out. These papers ask how much you spend on just about everthing. Even "how much do you spend on shoes every month/year?" Never thought about shoe budgets prior to that.
You do not have to sign up for any program with them. They will give you the budget forms. If you fill them out and return them, they will go over it with you and offer suggestions/tips on improving your spending habits. The will also offer guidance on setting up a realistic budget. This was a free service 10 years ago. I assume that they still offer it.
Absolutely. Go to www.moneysavingexpert.com It's free to use and has a downloadable budget planner. Best thing I ever did for my financial health.
about $ 1,000.00 a month, and i only get $ 400.00 on s.s.i.
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