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Rising Star
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Rising Star
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My boyfriend sucks
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"post_content": "Being an adult is hard. I just paid rent and I’m now left with $51 to spare 😭😭😭 tell me this gets better",
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OP, if you’re getting 40K after taxes, you’re probably not making more than $50K total. If you’re not in a boutique consulting, it also means that the low pay is because of the lower cost-of-living city.
What are doing with a $1300 rental in a lower cost city? That’s too high for your income. If you’re renting a bigger place, it probably also costs more in utility.
Are you married? Have kids? What are doing with a $75 per month Internet? For a single person, you don’t need a gigabit connection.
I worked at an ATC in Nashville where 40k-50k was the norm. Average rent was from $1000-$1400/month for one bedroom
Pro
OP do you actively manage your budget with an app or software? If not, I highly recommend YNAB. There’s a bit of a learning curve but there’s tons of YouTube videos on it, and once you get the hang of it, it’s tremendously helpful. If you’re interested (or anyone else), here’s a link for one month free in addition to the trial they provide:
https://ynab.com/referral/?ref=75QualIZCt9cdyM3&utm_source=customer_referral
Rising Star
Lmao get your affairs in order
Chief
You’re all heart.
Lol, it gets better. Keep growing your career and don’t be afraid to change companies if not promoted when deserved. Should see decent salary jumps every 2-3 yrs.
I was in a similar situation but now my loans are finally paid off so it does get better!
Do you want to give us a breakdown of your income/expenses and we can crowdsource answers?
I'm guessing you're paying $1800 a month on rent and food at your salary? Either you have way too nice an apartment or you need to spend less on food. Maybe both. I have worked my way up in terms of position and salary and $1800 isn't a cheap budget.
This was me age 23 - 26. My first job I made 35k (before taxes) in Boston (in 2012). It was not great.
But it gets better. Try not to adjust your living costs every time you get a raise. Pay off your debt as quickly as you can.
If you live in California I can relate! My first year out of college, my first paycheck was spent primarily on rent. They don’t adjust for HCOL as much as you think.
Yes, being an adult let's you OnlyFan which makes it better
Rising Star
Soon you'll have $52.....
Pro
Yeah I pay 1750 a month and 1000 a month in student loans in Manhattan as an analyst and am struggling big time
Pro
Yeah, I landed a gem. Also, have you looked at the studio rents lately? Fidi studios in lux buildings with gyms and amenities going below $1800
How much is your rent?
Are we the same person OP🥴
Start working a side gig. It gets better if you work hard.
It doesn't by working hard. Pls fix
I have 8$ after today lol.
Pro
Cut down on the multiple magic sets
Pro
Nobody needs that many magic sets
Slow down your student loans to the lowest payment plan. Maybe not pay the full CC balance each month? I know that is terrible advice but YGDWYGD...
With interest rates being low I highly recommend reducing your student loan payments
Edit: if you have a variable interest rate like I do
That’s $51 too much. Gotta pump up those credit card debt numbers.
Pro
My first job out of college was 37.5k in 2016. I’ve nearly tripled in 3 years. It gets better
Pro
To make the internal leap I also got another offer from a firm as leverage
I’m shocked to read this tbh. I always see consultants around me making huge purchases etc. are we all really in that dire of a state?
Some are only making those large purchases to keep up with the image. Many people live above their means.
What else are you spending $ on...
So discretionary expenses...
Rising Star
Are you an analyst at a low paying boutique?
More than most Americans
Rising Star
Where do you live? City/region