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Forum » Co-worker said he might start saving 10 ($12) per week - Is this real life???
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Thread: Co-worker said he might start saving 10 ($12) per week - Is this real life???

post 1471280991 11-15-2016, 02:55 PM
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#31
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how the **** do you live on 125 a week ??

my rent is 70 a week living up north in england

rent - 70 pw
car fuel 15 pw (lowball estimate)
gym - 5 pw roughly
bills - 7 pw roughly
council tax - 19 pw
car insurance - 25 pw roughly (Only had licence for 1 year hence why it cost so much)

theres probably some other small costs in there including internet, phone bill etc but my weekly expenses above are 141 and thats without food

I get about 1400 after tax and save about 750 though, planning to go travelling after 1 year

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post 1471281041 11-15-2016, 02:55 PM
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#32
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Originally Posted By r4id3r⏩
lol, I make $110'000 and honestly still haven't cracked savings. I hemorrhage money, don't own a car, don't have a mortgage barely breaking saving. Things are a lot better now moved from NY to CT and beginning to see some savings come through but literally got nothing to my name.
WTF do you spend it all on?
post 1471281051 11-15-2016, 02:55 PM
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Most people dont have money to "save", this isnt the 50's lmao
Keep rep trading out of your sig line miss
post 1471281361 11-15-2016, 02:58 PM
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#34
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Lol@ bragging about some $12k BMW. Cringey as fuk
I like the tuna here.
post 1471281411 11-15-2016, 02:58 PM
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What a miserable bastard you are kunt
Winners find solutions, Losers find something to blame
post 1471281611 11-15-2016, 03:00 PM
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#36
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Originally Posted By WSG1⏩
Lol@ bragging about some $12k BMW. Cringey as fuk
Nobody is bragging. But the brah who has 0 savings and might start saving $12 per week, asked me how did I pay off a $18,000 BMW in cash @ 24?

I was trying to help him realise that he can do the same by not being so wasteful...
post 1471282021 11-15-2016, 03:04 PM
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If you are legitimately saving 375 euro =>$400 a week, you are saving almost as much as me and I make over 100k/yr more than you lol. Mirin your saving ability hard man. I live in a crazy expensive city but still, this thread is inspiring me to be more thrifty.
no crew crew
post 1471282131 11-15-2016, 03:05 PM
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#38
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Well, I am not amazed tbh.. many people I know haven't thought about the future. I have saved the equivalent of $ 21500 (converted it) and although my apartment cut my monthly savings short I am quite comfortable.

I am never going UNDER $ 21500. Some people can't go out for a good dinner and bar/club afterwards etc. and I do not understand how this is possible. I spent a lot of money on clothes and restaurants.. but I keep track of expenses.

Feels good, if you are my age (28) and you don't have at least 20 grand in savings I think your life is hard.. I pay my mortgage and taxes.. just like them.. yet look at the difference.
post 1471282141 11-15-2016, 03:05 PM
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#39
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Originally Posted By BrahPlease⏩
Most people dont have money to "save", this isnt the 50's lmao
Even someone on a 25,000 salary takes home 20,000.

Assuming they lived a good, enjoyable but modest life, there's no reason why they couldn't save 500/month. That's an extra 6000 a year. Or even 250/month and 3K per year.

You can save a LOT by eating at home instead of Subway and McDonalds for lunch and dinner, and drinking a bottle of red wine a week instead of 10 pints and 5 vodka red bulls every Friday and Saturday.

Small changes go a long way, in the long term!
post 1471282191 11-15-2016, 03:05 PM
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#40
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Trolling use to mean something
"I bet your parents taught you that you mean something, that you're here for a reason. My parents taught me a different lesson, dying in the gutter for no reason at all... They taught me the world only makes sense if you force it to."
post 1471282571 11-15-2016, 03:10 PM
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#41
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Originally Posted By dingler⏩
If you are legitimately saving 375 euro =>$400 a week, you are saving almost as much as me and I make over 100k/yr more than you lol. Mirin your saving ability hard man. I live in a crazy expensive city but still, this thread is inspiring me to be more thrifty.
Haha, I save about $500 a week equivalent brahBut I do live at home with zero "big" costs. The only time I have real costs are like once every 6 months when my dad might ask me to book a $2K flight for him and my mum, or pay the $1K water or gas bill (for the year). But I leave a bit of separate free cash for those things. And put 75% of my post-tax salary straight into savings
post 1471282701 11-15-2016, 03:10 PM
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Some people are broke but on paper rich, Properties / investments / super

I'm extremely bad with saving money, I do not save money at all but I have been lucky that when I was 16 I was given shares as birthday present but I'm not allowed to touch them until I'm 35, so that is my savings. If something happened I needed money I do have credit card which I haven't touched, still has 10k on it if I needed the cash desperately.
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post 1471282871 11-15-2016, 03:12 PM
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#43
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Originally Posted By dingler⏩
If you are legitimately saving 375 euro =>$400 a week, you are saving almost as much as me and I make over 100k/yr more than you lol. Mirin your saving ability hard man. I live in a crazy expensive city but still, this thread is inspiring me to be more thrifty.
You are doing chit right..fuk.
post 1471282951 11-15-2016, 03:13 PM
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#44
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Originally Posted By TrotonKat⏩
Some people are broke but on paper rich, Properties / investments / super

I'm extremely bad with saving money, I do not save money at all but I have been lucky that when I was 16 I was given shares as birthday present but I'm not allowed to touch them until I'm 35, so that is my savings. If something happened I needed money I do have credit card which I haven't touched, still has 10k on it if I needed the cash desperately.
What will your share portfolio be worth in 3 years time when you're 35?

Is having that safety net the reason why you didn't focus or care about saving salary?
post 1471282991 11-15-2016, 03:13 PM
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#45
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Originally Posted By TrotonKat⏩
Some people are broke but on paper rich, Properties / investments / super

I'm extremely bad with saving money, I do not save money at all but I have been lucky that when I was 16 I was given shares as birthday present but I'm not allowed to touch them until I'm 35, so that is my savings. If something happened I needed money I do have credit card which I haven't touched, still has 10k on it if I needed the cash desperately.
What are the shares worth approx. ?
post 1471283021 11-15-2016, 03:13 PM
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#46
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Originally Posted By WelshAutist⏩
WTF do you spend it all on?
bro **** I spend it on a bunch of stuff...

Fixed costs include: rent, utilities, cable/TV, mobile, etc.

Variables: alcohol/drugs, chicks (pros and civilians), fashion/sneakers, traveling, etc.

I don't know dude it goes out the window a lot faster than I can control at the moment..
post 1471283261 11-15-2016, 03:15 PM
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#47
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Originally Posted By LethalGunz34⏩
More than you can afford pal. Tuna.
Can't.......breathe.....
I loe e.
post 1471283411 11-15-2016, 03:17 PM
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#48
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Originally Posted By r4id3r⏩
bro **** I spent it on a bunch of stuff...

Fixed costs include: rent, utilities, cable/TV, mobile, etc.

Variables: alcohol/drugs, chicks (pros and civilians), fashion/sneakers, traveling, etc.

I don't know dude it goes out the window a lot faster than I can control at the moment..
How much is your rent that you are blowing $75,000 a year lmao?

Legit unless you are going to Vegas once every couple of weeks, how is this even possible if you don't have a car?

If you told me you drove an Audi R8 or something I would be like fair enough... but you don't even drive!?!?!
post 1471283441 11-15-2016, 03:17 PM
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#49
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This is my budget below for each month:

Monthly Salary
$4,445.00

- Rent $1,000.00 (23% of salary)
- Food $320.00 (7% of salary)
- Phone bill $100.00 (2%of salary)
- Internet $60.00 (1% of salary)
- Gym $60.00 (1% of salary)
- Train ticket $150.00 (3% of salary)
- Random spendings $800.00 (18% of salary)
- Savings $1,955.00 (45% of salary)

TOTAL: $4,445.00 (100%)
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post 1471283451 11-15-2016, 03:17 PM
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#50
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Originally Posted By r4id3r⏩
bro **** I spent it on a bunch of stuff...

Fixed costs include: rent, utilities, cable/TV, mobile, etc.

Variables: alcohol/drugs, chicks (pros and civilians), fashion/sneakers, traveling, etc.

I don't know dude it goes out the window a lot faster than I can control at the moment..
The first 3 years of my working life I spent money on 'pro women' too.. I didn't have chit because of it. I stopped it, that made quite a difference too haha
post 1471283601 11-15-2016, 03:18 PM
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#51
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Originally Posted By highimJay⏩
The first 3 years of my working life I spent money on 'pro women' too.. I didn't have chit because of it. I stopped it, that made quite a difference too haha
brah it hits the wallet hard but honestly but I'm not closing betches left and right so need to find release somewhere lol
post 1471283611 11-15-2016, 03:18 PM
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#52
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Why would you spend 13k on a depreciating asset when you could of bought a 200k+ house with that?
WRB :)

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post 1471283701 11-15-2016, 03:19 PM
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#53
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Originally Posted By MaximusAngus⏩
This is my budget below for each month:

Monthly Salary
$4,445.00

- Rent $1,000.00 (23% of salary)
- Food $320.00 (7% of salary)
- Phone bill $100.00 (2%of salary)
- Internet $60.00 (1% of salary)
- Gym $60.00 (1% of salary)
- Train ticket $150.00 (3% of salary)
- Random spendings $800.00 (18% of salary)
- Savings $1,955.00 (45% of salary)

TOTAL: $4,445.00 (100%)
What do you do for a living? Mirin' 2K/month saving. You got that down on a house/invested in a stock portfolio?
post 1471283741 11-15-2016, 03:20 PM
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#54
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Originally Posted By dixie_normus⏩
mine

900 weekly before taxes
3600 a month
45000 a year.

loan payments 800 a month
9600 a year

so right away down to 35k net

car payments 400 a month
4800 a year

so right away down to 30k net

rent 1000 a month
so right away down to 18k net

misc **** (phone, insurance, etc) 300 a month

so roughly 15k before taxes..

if i saved an extra 250 a week that would put me at 2k for lifestyle.... add the taxes into play and im so ****ed, probably be at 0 money (or be a loser who doesnt want to go on dates)
Mine

I make 45k a year and after taxes, health care and retirement my paychecks are 1077 every two weeks. 26 pay periods equals 28,000 a year

Rent and electric, heat, internet a month is roughly 850 a month so 10,200

So down to 17,800

Car payments 412 a month so 5000 a year

Down to 12,800

Phone is 80 a month so 1000

Down to 11,800

Gas (150 month) car insurance (92 month) groceries (200 month) student loan (100 month) is 542 a month so 6,500

Down to 5,296

Shopping (house stuff, misc stuff that wears out, alcohol, eating out - dates) 400 a month equals 4,800

Down to 500 dollars net lmao

I have 1000 in my savings

Anytime I get extra money by being a complete loser and not doing anything I put into my loans.

TFW 45000 a year makes me broke
OVO
post 1471283771 11-15-2016, 03:21 PM
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#55
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Originally Posted By WelshAutist⏩
How much is your rent that you are blowing $75,000 a year lmao?

Legit unless you are going to Vegas once every couple of weeks, how is this even possible if you don't have a car?

If you told me you drove an Audi R8 or something I would be like fair enough... but you don't even drive!?!?!
bro i own no car, ain't got no mortgage. It's fecked I know.. I mean I spend like $2320 on rent alone, that's where bulk is going but I mean it's a fecking 1 bedroom in a city like 5-10min walk from my office. I ain't going to spend anything less than $2k for an apt, otherwise you get into some real shady units or way out of town and I'm not abt that life.

In the city (NYC) it was worse, I was living in some nasty ass studio paying $2500 a month. This is a step up for me.
post 1471284001 11-15-2016, 03:23 PM
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#56
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Originally Posted By PSVita⏩
Why would you spend 13k on a depreciating asset when you could of bought a 200k+ house with that?
I gifted my younger brother my old car (2011 BMW 3-series with 135K on clock) so I needed to buy a new car for myself, hence got the 2012 5-Series with 50-something miles on clock.

I currently live at home (happily) so I don't have an immediate need for a house. So in a couple of years, maybe even 5, when i've saved 100K deposit @ 20k/year, i'll put it down on a bigger, better, retirement home for myself.
post 1471284011 11-15-2016, 03:23 PM
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Originally Posted By WelshAutist⏩
What do you do for a living? Mirin' 2K/month saving. You got that down on a house/invested in a stock portfolio?
I work in insurance- management. By "rent" I mean mortgage. I live with my partner and we each pay $1,000 a month. My savings are there for... something... I haven't made my mind up yet. I think investment property (not into shares).
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post 1471284051 11-15-2016, 03:23 PM
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#58
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Dude stfu....all your dif currencies you use is fkn confusing.


But you get paid 25k and you managed to save that much? Wtf....


negged for not making sense
n4l
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fappin
r32gojirra
post 1471284141 11-15-2016, 03:23 PM
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#59
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You save money from not paying rent in a country where rent prices are out of control?

Mind blown...... And yeh it is sometimes "looked down on" for living with parents, but tons of people who earn over 40k a year in my office do, it's common to have moved out, rented for a bit and then moved back home to save for a house...


But some people don't have that option and live a life of not saving much money, just be thankful to your parents.
Ye

LittleHippo


EMPIRE CREW.
post 1471284411 11-15-2016, 03:26 PM
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Originally Posted By r4id3r⏩
brah it hits the wallet hard but honestly but I'm not closing betches left and right so need to find release somewhere lol
Yeah well.. I got some free but I just lived on my own and I was like "I want to fuk" .. the freedom got to me.. now I have a glower for my needs (no gf). You are my age.. I met her in a bar that I frequent and she works there. These younger chicks are looking for us brah
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