How much do y’all spend per month outside of rent? I’m trying to live off 400/month outside of rent/utilities in NYC and it’s proving difficult. May move back home to Long Island next year, no idea how anyone saves for a house here

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I spend 400 on golf alone each month lol

likefunny

I spend $400 a week eat out weekly at minimum

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$3-5k is pretty normal for me, gets up to $8k occasionally. Dual incomes with a successful side business helps 😄

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what kind of side business? I'm also looking to build passive income streams

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Wtf, 400 a month is crazy. You need to live a little. Think I was at ~1250 a month post rent spending and I though that was kind of frugal.

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Are you guys teens?

funnylike

Must be a man

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I agree, for someone to live a life at $400 per month means getting a hair cut from great clips, eating McDonald’s and using Lyca mobile

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Stop maxing out 401k for a year so you don’t have to live in poverty

likefunny

That is not the issue. S/he makes 6 figures.

How do you have no other expenses outside of rent? (genuinely curious) phone bill, insurance, utilities, groceries etc etc

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Ya do know that tomorrow isn’t guaranteed don’t you ? Live your life, you work to hard not to

That’s wild. Even in college I consistently spent $800+ in the middle of nowhere. Life is short and experiences are different at different stages of life.

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I’m spending about 500-600 a month, random expenses keep cropping up (had to take Uber to get vaccine for example)

likesmart

It’s ok to do a uber for Vaccine. If people won’t spend, how would Uber drivers earn? How’s this damn economy gonna run

Like 1200, you’re barely eating on 400 a month.

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Nah bruh this OP is in Ny, but either way that’s just groceries. I spend 1125$ a month after rent/utilities - gas, insurance, haircut, food (500-600)

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I’m in SF, so it feels comparable. I know I have a car and you probably don’t, but still. How do you only spend $400 on non-rent items?

I know I buy the expensive eggs at the grocery store, but I spend more on groceries than that.

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Do you only eat at home ? Seriously $400 for a single person for groceries? I eat once or twice a week at home.

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Do you ever go out to eat..?? When I lived in nyc, and granted I know things are different with covid now, going out to eat was basically my entertainment budget. And it was impossible to eat out for <$100. So are you going out at all? If not that’s not really enjoy nyc.

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When I made 68k, I needed about 1700/mo outside of rent/mortgage. It’s the same at $200k

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Wait lmao how much did you save back then with that 68k salary

$6-8k on the CC every month...

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$5000 per month on top of mortgage.. family of 2

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Sad...

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Nothing sad about enjoying life... as long as you live below your means and grow your net worth!

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After 401k, brokerage, and savings contributions:

Car: $1900
Insurance: $350
Parking: $300
Gas: $150
Haircut: $50
Groceries: $400
Dining Out: $400
Alcohol: $200
Discretionary: $1,000

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As my daughter would say “u doin too much bruh”

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$1000-$1500. Was a lot less when I could expense things. I fought against lifestyle creep pretty aggressively for a long time but have tried to loosen up a bit as I’ve realized 12-18k/yr just isn’t that much of my DI at this point

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Total not rent? Like 1k. Includes, groceries, utilities, phone, gas, car insurances, and then whatever life expenses I decide. I don't normally go too crazy, but I like to eat out.

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5-6k.

Family of 5, 3 kids in private school.

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Ouch... but I can relate, when you add kids to the equation one no long can drive a 2021 Audi RSQ8 like M4. Am curious though- would living outside NYC, in the burbs (NJ, CT, or East Long Island) help cut that spend significantly ? Or are the school and other costs beside rent the same?

1600 in NYC:
Phone Plan $30,
Home WiFi $80,
Groceries: $350
Dining Out + Takeout: $300
Train & Subway: $100
Gym membership: $300
Streaming services: $40
Utilities: $50
Others: $350
No car, no cable.

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300 a month for a gym!!! Holy crap. Do they work out for you at that price? I pay 125 for my wife and I plus they have free childcare lol.

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