Thread 514786173

How are is your household handling the affordability crisis? Is there a way out for the average guy?

>300 every year for deep cleaning
>400/month for subscriptions and kids gymnastics

You spend more every month than I do every quarter, meanwhile I live pretty comfy. With that level of income I could invest into new ventures and basically be done working within a few months.

>>514786173 (OP)
>paying for youtube
LMAO

You spend more on literal trash than all physical activities.
You also label it an 'irregular expense'.

Anyone who needs to make a budget, is probably to retarded to make one correctly, like this person.
>my yearly insurances are under 'irregular monthly expenses'

I love the 200 automotive category, that does not include
>inusurance
>auto loan
>maintenence

You spend more on youtube than house maintenence.

>Groceries/goods
>Finance paydown
>Set aside irregulars
>investing
>kids monthly
>Subs
>PTO setaside

LMAO, delete this useless shit

>>514786679
what don't you understand about the bottom roll-up of that category? That is a monthly set-aside into a separate account that is made for recurring, fixed expenses that happen at an odd interval, like annual, quarterly, certain months of the year, etc. It's an auto-withdrawal to set-and-forget and you will always have the correct amount of cash set aside and allocated for the annual bill.

>>514786679
automotive is gas+maintenance. as you say, insurance and finance are separate line items because they are invariant month-to-month, while "automotive" is a pool of money that may end up with some left over.

>>514786660
Honestly, YouTube is unusable without the premium plan. It pisses me off that it has to be this way though.

>>514787303
>fixed expenses that happen at an odd interval, like annual, quarterly
The entire point of a budget is to separate recurring predictable expenses from 'irregular' ones.
You can't even see this.

>>514787479
Gas and Maintenance are in the 'non flexible recurring month costs'
Meanwhile Car Insurance is in the 'irregular monthly payments'

Whoever is paying you 100k a year is getting scammed, you are retarded.

>>514786173 (OP)
You're problem, you see, is that you don't have a deticated avocado and toast section. If only you were to cut down on those costs, you will be able to afford a secondary home.

>>514787832
Just use adblock and pirate shit

>>514788085
You seem to just be getting hung up on my usage of some terms. With a little mental substitution, you will find peace.

>"irregular"
in this workbook, mentally replace it with "non-monthly"

>"flexible"/"non-flexible"
in this workbook, non-flexible means, "don't fuck with this. Set this money aside because gas is necessary for daily life."
flexible means, "you can move some allocation from 'family outings' to 'projects + tools' this month because of so-and-so situation."

>>514786173 (OP)
>Paying for cleaning
>Paying fotr TV/movies
>Paying for hobbies
>Paying for KIDS' hobbies

lol
lmao even

>>514788110
old pic but my pirated library is very large.

>>514786173 (OP)
consume less?
of course this is all rolled up from the wrong direction
we shouldn't consume less because there is no more money
we should consume less so money can be spent on things which actually matter and improve all our existence
fat chance, i guess.

300 in electric? You got a tanning bed or something?

>>514788679
worse. heat pump.

>>514788679
>300 in electric?
>cries in european

>>514786173 (OP)
>Subscriptions
Not needed pirate everything.
>Groceries + Goods 1,600 $
What the fuck ?

>>514786173 (OP)
Fine, I live on about half of what I make and am making extra mortgage payments to be able to retire early. Life is easy when you don't have a retarded roastie with a 'shopping addiction' or demanding expensive vacations every year, and if you're not a retarded nigger leasing a new car every year.

>>514788814
Did you use "Emergency Heat" some during those over $500 months?

>>514789268
yes. bad cold snap days. when I see "AUX HEAT" on my thermostat I can physically feel the money being drained from my bank account.

Lotta high and mighty single NEETS and wagies thinking they're immune to lifestyle creep in here. Truth is next to nobody is. Get yourself a promotion or two, a wife who also works and a couple of kids and your budget will start looking like this sooner than you'd like.

>>514788495
I am not hung up on anything.
People pay me to make shit like this for companies like IBM.

Your Car is:
>(796.04 + 200 + 154.91) * 12
>$13,811.40 per year

Your house is:
>(2,300 + 411.84 + 15.27 + 78.50 + 30 + 25 + 567) * 12
>$41,095.35 per year

Your luxury expenses are:
>(19 + 34 + 11.58 + 25 + 100 + 420 + 500)*12
>$12,678.96

Your sheet blows so much dicks, this is not even a quick view anywhere.

>>514789264
we joke that my wife is the 'primary bread-loser' of the house but she is honestly very thrifty and not vain. We don't take vacations. When it comes to frivolous spending, I am way worse than she is. My big spending vacuum is tools and materials for home improvement projects -- which i guess is sweat equity but i'm awful at pacing myself to stick within a monthly allocation.

>>514790111
You don't take vacations but you budget 420/mo for them?

>>514788904
I thought things were better in Austria because it had hydroelectric power plants.

300m2 house.
Bunch of growlights indoors. All gardening equipment e.g lawnmower, woodchipper etc is electric. Water heater for the 200L tank is also electric (only heat it up every other day though). PC is on for most of the day, file+cctv server in the basement is on at all times too.
Paid 40-45 euros last month.
It's roughly double that in winter though and on top of that extra heating during cold month adds to another 90ish euros per said month.

>How are is your household handling the affordability crisis?
Boomer parents don't have a mortgage anymore, if they did they would be fucked.
Once they die I will live in a van.

>>514786173 (OP)
by a used hybrid like a 2nd gen prius or chevy volt, upgrade battery to newer tech bigger pack, with a truck or van as a secondary, only pay for liability insurance, cost of insurance hardly changes between 1-3 vehicles so have at least two, do your own maintenance and repairs, combine with a couple regular bicycles and e-bike, mountain bikes over road bikes, the knobby tires drastically cut down on getting flats.

I live in the woods and the SoCal beaches with my dog. My nut is about 150 bucks a month. I head into the city every 2 months and work for a week or 2. I pocket almost everything. Buy what I want. It’s all basically tax free too. Then we go camp for another few months. Literal dream life. Participating in clown world is for pussies and cucks.

>>514790431
>My nut
your slang way of saying monthly running cost?

>>514790102
it sounds like what you make serves a different purpose for your customers that what I've got here, mate

>>514790225
I set aside money literally for PTO - my company is a small engineering consultancy that does not have any PTO, you are instead paid more and it's up to you to set aside however much you want for time off. I've calculated a set aside based on a certain number of days off per year that will result in an identical "take-home pay" on those off days.

>>514790553
Yup. Car insurance, phone bill, and music streaming. Oh, and a shitty storage unit that just got ransacked by niggers so I’ll prob dump that too.

>>514790627
so you setup a tent in the woods & on the beach or sleep in the car?

>>514790584
So on your 'totally not vacations' you are spending your normal wage + $420 per month?
To not take a vacation?

>>514790753
All. I drive an suv and retrofitted it to live. I only sleep in the car when I’m in the city. There is a massive park n ride where overnight parking is allowed. Then I go to natironal forest or blm land. You can stay there 2 weeks out of every month. So, you can go from usfs to blm land to infinity. There’s tons of people doing this already. I cook food, brew coffee, jerk off.. and carve out my own little portion in the side of the mountain. It’s awesome.

>>514786173 (OP)
Shits expensive yes. Im absolutely struggling but OPs pic is peak retard faggotry. Imagine paying for streaming service when a vpn and Deluge accomplisges the same thing while attaining ownership of the things you watch. Eventually you get to the point that you no longer need streaming. When youve filled a 12tb of everything your kid watches, you watch and your wife watches suddenly you dont need to pay for a goy-scriptions.

>>514787832
>Unuseable
Ad blocks in a browser you fuckibg retard. Stop using the app or you get what you deserve.

>>514786173 (OP)
Why use complicated charts?

Just don’t lose more money than you make after saving/investing 15% every month. When your checking gets too high, invest some more.

Simple

>>514790899
for long term storage an option is buying a $1k piece of land out in the middle of nowhere(desert) with less than $100/year property tax. stuff you want to keep/collect that takes a road trip to get to, no thieves are going to drive all the way out there to steal something. storage containers in a hole in the ground.

>>514791149
Great idea actually. Yeah modern storage units are a scam. Cops don’t do shit either bc break ins are so common.

>>514790785
whatever you want to call it, yes, a PTO day is a day that I do not take income from billable work and everything else proceeds as usual. I set a daily SPY buy of this amount to run on every trading day so in the background I am "accruing vacation time". The point is we don't go on trips anywhere.

>>514791231
I have family that live in a desert area out in the middle of nowhere small town that run a side storage rental business outside of that, basically doing what I described but formal storage structures as a business. Basically the same thing. Used to rent a unit from them storing gold & silver there.

>>514791231
What jobs are you picking up every two months in the city?

>>514791603
Also a psychological factor is you're technically not homeless, you "own"(as much as one can own something the government can take away for not paying taxes or via imminent domain) property.

>>514790358
Also, there are super capacitor and lithium batteries available now, swap out the old lead acid battery for one of those.

>>514791377
So you spend 6000 a year on "sitting around at home"?

>>514786173 (OP)
I work a remote job while enjoying low affordability in rural Spain

>>514791751
Give him time to figure out the larp

>>514793240
bro, I dont have actual work in my remote job 70% of the time. I feel like a criminal. but wtf am I supposed to do, literalls stare at an empty screen? my supervisors are saying all is well. I am only in the company for a few weeks.
im on the clock RN.

>>514787832
>doesn't use an ad blocker
LMAO

>>514793053
this isnt a hard concept, his salary is more than normal to account for no leave. However what is a hard concept is this nigger not just investing that extra and not taking days off.
- also your groceries bill is fucking disgusting - 1600? I KNOW you dont have a freezer with bulk food to buy cheap and instead eat a shit ton of pre packaged and procesed goods in the pantry.
Im feeding 7 on <1000 and if you dont have that many, WHY THE FUCK do you have a suburban, with an 800 dollar pmt.
>flipped 15k in negative equity
Here is an idea, NO family vacations or frivolous shit till you handle that disgusting car pmt.
>400 in CONSUUUUUME creditcard fees.
No. You aren't even paying for GOOD cards with lounge access, fucking gay.
Either cut the kids aux shit, or handle that BS life ins and CC fees. Also that car ins is total ass, did you wife wrap a vette around a poll?? Like 3x what it should be.

>>514793276
If you're saying anon is lying about living in his car in the woods and beach, possible, but equally plausible, people are doing that.

>>514786660
But you're okay with the $800/month Suburban payment?
You'll die broke.

>>514786173 (OP)
Cash economy, bud. Do I have to tell you to not report your income to the gov?

>>514786660
I have adblock for my computer, but with kids I need to be able to have it on the TV.
If you don't have kids you wouldn't understand and think it's shitty parenting. We watch minecraft and monster trucks and stuff.

>>514786173 (OP)
>household
bruh i live alone with my cat and can afford stuff only because of this reason. if i had a family i'd be cooked

>>514786660
LMFAO

>>514790431
What work do you do?
Temp, I'm assuming?
That gets old, fast.
But then again, so does everything else, except living in the woods or on the beach with your dog.
If it was just me and the wife, we'd be doing exactly that.
But since we have 3 kids, so average bought ans paid for it is. 2000 miles from the ocean:(because no one considers Hudson bay 'the ocean').
Oh well. 0.4 people per square mile means freedom.
Can't even imagine what it's like to have to pay for water.

>>514791149
What desert?
I would like to do that, have a home base for our road trips top the states.

>>514795888
There's not much point in dying rich, it's there.

>>514797251
arizona, new mexico, less so nevada, probably utah.

>>514786173 (OP)
>How are is your household handling the affordability crisis?
By not being poor.

>>514797902
I was eyeing a home base property in nw nevada that would be a day trip to la, san fran, san diego, vegas, but it was $100k. you drive a day, hang out for a week or so in the car, go back to base to drop off, resupply, hang out, works well with a hybrid that you'd installed an oversized battery so you cut buying gas at california prices, have a fridge with a week+ worth of food, etc.

>>514798592
anon living in the woods and beach is far cheaper without the day trip though.

>>514786173 (OP)
I don't pay for anything I can download for free.
I learned how to cook takeaway recipes that I like from fresh and bought the equipment I need to make them.
When covid came I sold my house in the city and moved to the coast and bought a house for cash and put the rest into crypto and stocks.