{ "media_type": "text", "post_content": "Late 20s/early 30s 🐠 with serious SOs, what’s your total monthly credit card spend (personal and shared if you have one)? We’re trying to save for a down payment and the savings numbers just don’t seem feasible.", "post_id": "61a8ff80afc2a2002b9ab2dc", "reply_count": 13, "vote_count": 2, "bowl_id": "552d1d24dc1c586b09d2d051", "bowl_name": "Consulting" }

Late 20s/early 30s 🐠 with serious SOs, what’s your total monthly credit card spend (personal and shared if you have one)? We’re trying to save for a down payment and the savings numbers just don’t seem feasible.

Posting as :
works at
You are currently posting as works at

We pay for everything on credit cards, several thousands of $, and pay them off 100% each month, but that input isn’t going to get you anywhere. You need to look at budgeting where you are spending your money if you want to make meaningful change to build up savings. Grouping all your expenditures (entertainment, dining, shopping, hobbies, travel, etc) all under one lump abstraction of “credit cards” makes it too hard to change spending habits. Review your budgets and see where you can start cutting back. It’s a lot easier to take a focused approach like “we shouldn’t get takeout so much”. If you need a budgeting tool, look at Mint which will download and categorize your credit card transactions alongside your other accounts. Separate suggestion - set up automatic weekly transfers of smallish amounts from checking to savings. Makes it a lot easier to not spend money when it isn’t in your checking in the first place, and small regular transfers removes the emotional pain since you won’t even notice them after the first week or two. My spouse and I have multiple savings accounts for different goals, and have automatic transfers setup for all of them to build them up.


Around 3500. Engaged. HHI base around 270K. 210K from me, 70 from her (medical residency)


I like that you felt the need to explain why you were engaged to such a pauper. So we all know she'll make money soon.

26 here! Around $1000-$1300 combined w my husband. Around $400 for groceries, and the rest for misc bills like car payments, insurance, other bills, going out to eat. If we plan a trip or something that’ll spike it too but that’s every 4-6 months or so. And then we pay $1000 in rent for right now.


FYI it’s around 2500 when you include rent and all that - but user specifically asked for credit card

Our budget is $5000 a month plus $750 for travel. We spend an average of $4000 a month in credit card on all our cards. We charge pretty much everything on the card. To save for a down payment, you have to prioritize income and reduce expenses to have room for saving. Currently saving $5k a month for future DP.

I'm saving 50% of net (~4k) on $155K base. $2K towards down payment savings, $2K in stocks. Not sure why credit card spend matters but the $4K spent is $2K check (rent/car), $2K CC spend. SO saves about $200/mo for down payment on $50K base.

You're a saving champ!

Related Posts

I have an issue that’s been on my mind. I’m not big. I’m 5’4 and around 125 lbs, but pretty much all of my friends have disordered eating habits. I’m supposed to go on a beach vacation with them in two weeks and all I can think about is how much bigger I’m going to look next to them. I almost want to cancel my flight out of anxiety.


How can I get accelerator keys (alt controls) for PowerPoint mac ? I got the accelerator keys app for excel but doesn’t work on ppt.


Do visa employees have laptop options upon joining? What is the standard laptop?


Hello , I am from India, have 1.5 years of experience working in Test Automation , development and security Assessments. Looking for opportunities in the UK , anyone who's company offers visa sponsorship and can refer me it would be a great help


Hi Guys, Given that the performance seems to be going well for Amex this year and Ceo announcing double incentive corpus, what kind of hikes can we expect in general across various ratings? Any ballpark?

Which one is good to join Amazon or visa ?


Hello everyone. Welcome to the AmEx India bowl. I created this bowl to welcome anyone and everyone who is an AmEx colleague, from any LOB, from any department. I hope you will help in the growth of this bowl so that we have build a community outside our work as well.


Have United Silver and American Gold and will be flying cross-country (EWR-SFO) starting next week, have the option to use United/Alaskan/Virgin, which airline is best to do this trip? I can do a status match from United/American to Alaskan/Virgin.


What’s everyone’s experience with traveling these days - how often and for what reasons? And where do you anticipate it going? I’ve left consulting but considering coming back, under the assumption that the regular 4 day travel week is basically not coming back (tho obv client / project specific and certainly will make sense sometimes). Am I nuts?


Does anyone know how much aws advisory consultants have to travel or get paid? A general range is fine. Or what the work load and environment look like? I was considering leaving consulting and going industry as an internal role in a big tech company but then this possible opportunity came up for aws consulting.


Can anyone refer me in amex. I'll share the job ID

Any company (consulting or others) still sponsoring h1b visa or green card for new hires?

Do any of the FAANG companies sponsor new H1B visas? I am on L1 visa and want to change companies but see no option :(

What were the travel oppurtunities in ZS Associates Gurgaon office before covid? And what are the relocation chances to different country?


Looking to travel to Lisbon and Greece this July for my honeymoon(we’ve delayed it due to Covid). They’re currently the only two open European countries that makes sense for this sort of trip, but curious if this crowd has any recommendations. My flights are taken care of, but also curious if there are any Bonvoy or Chase point hacks/deals that make sense for these countries.


Data 🐠 - I want to relocate to singapore but struggling to find Data opportunity that sponsor visa, would love to speak further for guidance and would be good if there's any ops that can be referred! - Sr at Deloitte - mainly work with FS Clients - 4 YOE - experienced in Python, R, Sql, Sas, vba - cloud:aws, azure - dashboard: tableau, powerbi, qlik - stat degree but has cpa too so I have the business knowledge - can speak and write fluent mandarin too if that helps


Does it make a difference if my company applies for my L1 visa from India as compared to Canada? I am an Indian citizen


Additional Posts

what is lek salary progression from associate?


Agree or disagree - media peeps. Knowing all the ins and outs and nuances of Facebook ads is a pretty hard technical skill? I am sick of people thinking it’s so easy.


Anyone else not getting points / nights for recent Marriott stays? Account activity isn’t working in the app

What can we as a workforce of consultants do to combat this pandemic if/when our pipelines begin to dry up (assuming we aren’t just laid off)?


Implementation projects be like...

Post Photo

PDM specialist at 96k. I have an option to select PDM Specialist 2 or PDM Manager for my promotion with the PPMD. Which one is advisable to prefer Pay wise? I am thinking to take PDM 2 to increase my base pay for the manager.


What is the promotion hierarchy at Apisero?


Accenture people, when are the October announcements due? End of month or soon? I figure the former but want to check. :)


After hearing about EY's shitty bonuses I wonder how shitty Accenture's bonuses will be? Also When will they be paid out? Feel free to gloat other guys and tell us how marvelous your bonuses are.


Antisemitic hate crimes are on the rise in Toronto, and around the world. Why doesn’t anybody care?


What to do for a spouse who is struggling emotionally but refuses to get professional help? I’m 17 weeks pregnant with our first. My husband is really struggling with emotional/ mental health. I’ve asked him to consider counseling or other medical alternatives. Instead, he wants to talk to me until 11:30 pm or 12 am at night. I want to be there for him but I can’t. I’m tired. I’m still working VERY full time, and I was just diagnosed with early onset preeclampsia 😫


Any LA 🐠 work in Fraud or Forensics?

On my second condescending “why did you” email of the morning. I think I’m just going to reply with “because I’m a dumbass, next?"


Do it once, do it big, and leave the country


Do MBB partners have pensions? If so how much and at what tenure/age? Had no idea that was a thing...

What is the status of the Cerner implementation at the DoD?


Know your coffee

Post Photo

Just wondering how many other people also lost their jobs during this time and what you've been doing in your spare time?


New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
Download Fishbowl to see what others are saying
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here


Embed this post

Copy and paste embed code on your site


Download the Fishbowl app

Get realtime notifications and see
what's happening in your industry
from the palm of your hand.

For account settings, visit Fishbowl on Desktop Browser or