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Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.

 
BRYinTX

User ID: 61595971
United States
09/25/2017 10:50 PM
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Re: Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.
Hell, I am going to go out on a limb here and tell you all my expenses:

Electricity - 400.00 a month.

Car Insurance (3 vehicles full coverage) 350.00 a month.

Food Costs $ 300.00 a month.

House payment $ 450.00 a month.

House Insurance $160.00 a Month.

Medical Expenses $200.00 a month.

Car Payments $400.00 a month for 2 vehicles

Misc expenses $200.00 a month.

Medical Insurance $200.00 a month family coverage.

It takes every single penny me and my wife earn paying those expenses, and I we are living paycheck to paycheck. My wife earns maybe 1/2th of my income.

I didn't include other expenses such as clothing expences, cellphones, etc.
 Quoting: Anonymous Coward 13127957


I'll play

Electricity - 252.00 a month.

Car Insurance (3 vehicles full coverage) 300.00 a month.

Food Costs $ 800.00 a month.

House payment $ 1500.00 a month.

House Insurance $ incl. w/payment

Medical Expenses $100.00 a month.

Car Payments $300.00 a month for 2 vehicles

Misc expenses $400.00 a month.

Medical Insurance $ no cost for me
 Quoting: BRYinTX


Electricity - 0 (family property and we each take responsibility of a different utility bill)

Car insurance - 0 (no car)

Food costs - $600

House payment - 0

House insurance - 0

Medical expenses - 0

Car payment - 0

Medical insurance - 0

Water bill - $50

Cable/internet - $130.00

Prepay phone - $25 every 3 months
 Quoting: Rev Woo-Woo


are you my brother-in-law? that's about what he pays each month. of course, his mother and other family members pay for his house, electricity, etc.
CitizenPerth
FUKUSHIMA, GLPTARD 24/7/365

User ID: 66515138
Australia
09/25/2017 10:52 PM

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Re: Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.
68K a year for 30 years up to 10 years ago.....

nearly bought this website....

don't do shit but pay utilities
It's life as we know it, but only just.
My Fukushima Site:
[link to citizenperth.wordpress.com]
sic ut vos es vos should exsisto , denego alius vicis facio vos change , exsisto youself , proprie

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Anonymous Coward
User ID: 74989921
United States
09/25/2017 10:54 PM
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Re: Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.
We have all the channels except the premiums-but that's our main form of entertainment these days as retiree's. We really do not feel deprived in any way on our under $30,000 income.
Anonymous Coward
User ID: 75542007
United States
09/25/2017 10:55 PM
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Re: Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.
We are heavy supporters of credit cards.
I have my main one memorized.

2% cash back most expenses.

3% for dinner purchases.

========

The gut that modeled our kitchen 4 years ago told me that he runs all his business materials purchases through his 2% card.

He gets two Hawaii vacations a year.

IF YOU HAVE THE DISCIPLINE GO WITH CC.
 Quoting: Anonymous Coward 75387959


I am almost 60 and decided to find out my credit score just out of curiosity from top three. All three said I did not exist.
Anonymous Coward
User ID: 48060703
United States
09/25/2017 10:55 PM
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Re: Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.
If you earn less than $60,000 a year, respond to this thread, I just want to prove that most people are living on less than this amount per year to survive...
 Quoting: Anonymous Coward 13127957


i am
Kilroywashere

User ID: 75545867
United States
09/25/2017 10:55 PM
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Re: Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.
26K a yr and I am set for the rest of my days....no mortgage......low taxes....plenty of grit in the bank...and other secret places....
All for one, and one for all.
"Never, ever die kneeling". Kilroy "A fool and his money are soon parted" Uncle Marty
Remember..we are all born into this world an animal...and then taught to be human. The kind of human is the important part. race color creed should have nothing to do with it. Kilroy
BRYinTX

User ID: 61595971
United States
09/25/2017 10:56 PM
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Re: Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.
Hell, I am going to go out on a limb here and tell you all my expenses:

Electricity - 400.00 a month.

Car Insurance (3 vehicles full coverage) 350.00 a month.

Food Costs $ 300.00 a month.

House payment $ 450.00 a month.

House Insurance $160.00 a Month.

Medical Expenses $200.00 a month.

Car Payments $400.00 a month for 2 vehicles

Misc expenses $200.00 a month.

Medical Insurance $200.00 a month family coverage.

It takes every single penny me and my wife earn paying those expenses, and I we are living paycheck to paycheck. My wife earns maybe 1/2th of my income.

I didn't include other expenses such as clothing expences, cellphones, etc.
 Quoting: Anonymous Coward 13127957


I'll play

Electricity - 252.00 a month.

Car Insurance (3 vehicles full coverage) 300.00 a month.

Food Costs $ 800.00 a month.

House payment $ 1500.00 a month.

House Insurance $ incl. w/payment

Medical Expenses $100.00 a month.

Car Payments $300.00 a month for 2 vehicles

Misc expenses $400.00 a month.

Medical Insurance $ no cost for me
 Quoting: BRYinTX

Which company do you get your car insurance from? I pay about $200 for full coverage on a 2002 and only liability for a 2012.
 Quoting: Anonymous Coward 58642651


MetLife Auto Online. Don't have a local agent but my premiums are half what i paid with SF.
Cleolotus

User ID: 27855827
Australia
09/25/2017 10:56 PM

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Re: Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.
the more you have, the more you spend.
 Quoting: MissCleo


Exactly! I earn way under 60K and I am surviving okay but I have to be frugal.

The main problem these days is that people live way beyond their means.
Anonymous Coward
User ID: 75574136
United States
09/25/2017 10:57 PM
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Re: Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.
We could live quite comfortably on 60k a year. That's lottery right there!
Rev Woo-Woo

User ID: 74524491
United States
09/25/2017 11:00 PM

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Re: Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.
Hell, I am going to go out on a limb here and tell you all my expenses:

Electricity - 400.00 a month.

Car Insurance (3 vehicles full coverage) 350.00 a month.

Food Costs $ 300.00 a month.

House payment $ 450.00 a month.

House Insurance $160.00 a Month.

Medical Expenses $200.00 a month.

Car Payments $400.00 a month for 2 vehicles

Misc expenses $200.00 a month.

Medical Insurance $200.00 a month family coverage.

It takes every single penny me and my wife earn paying those expenses, and I we are living paycheck to paycheck. My wife earns maybe 1/2th of my income.

I didn't include other expenses such as clothing expences, cellphones, etc.
 Quoting: Anonymous Coward 13127957


I'll play

Electricity - 252.00 a month.

Car Insurance (3 vehicles full coverage) 300.00 a month.

Food Costs $ 800.00 a month.

House payment $ 1500.00 a month.

House Insurance $ incl. w/payment

Medical Expenses $100.00 a month.

Car Payments $300.00 a month for 2 vehicles

Misc expenses $400.00 a month.

Medical Insurance $ no cost for me
 Quoting: BRYinTX


Electricity - 0 (family property and we each take responsibility of a different utility bill)

Car insurance - 0 (no car)

Food costs - $600

House payment - 0

House insurance - 0

Medical expenses - 0

Car payment - 0

Medical insurance - 0

Water bill - $50

Cable/internet - $130.00

Prepay phone - $25 every 3 months
 Quoting: Rev Woo-Woo


are you my brother-in-law? that's about what he pays each month. of course, his mother and other family members pay for his house, electricity, etc.
 Quoting: BRYinTX


LOL! No, unlike you brother-in-law, I pay more than my share. There are 16 of us total on the land with 9 tiny houses. We split all expenses. However, there are 2 out of the clan that freeload. huffy
“If we are peaceful, if we are happy, we can smile and blossom like a flower, and everyone in our family, our entire society, will benefit from our peace.”
Thich Nhat Hanh, Being Peace

"But ask the animals, and they will teach you,
or the birds in the sky, and they will tell you;
or speak to the earth, and it will teach you,
or let the fish in the sea inform you." - Job 12:7,8

"When the going gets weird, the weird turn pro." - Hunter S. Thompson



revstargazer (at) hotmail.com
Anonymous Coward
User ID: 57618836
United States
09/25/2017 11:00 PM
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Re: Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.
I earn GROSS before taxes about $56,000 a year, and I am SURVIVING living paycheck to paycheck.
 Quoting: Anonymous Coward 13127957


Spend less.
Lily o' the Valley

User ID: 75512338
United States
09/25/2017 11:02 PM
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Re: Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.
Waaay less than $60,000 a year...and I'm surviving quite well, thank you.


hf
 Quoting: cosmicgypsy


Same here and I'm more than surviving, I'm thriving!

The trick is to embrace minimalism and be full of gratitude.

hf
 Quoting: Rev Woo-Woo


I think the gratitude is the key, because a life full of gratitude is not focused on want, and is full filled whether rich or poor.

Personally, I have a lot of stuff accumulated through the years, but my wants are minimal. We have lived on one income for decades, but eat very well, vacation, buy what we want and need and really don't lack for anything of significance.

I believe that prosperity is elastic and will stretch in response to a heart and mind full of gratitude. I do not believe that prosperity is dependent on a lot of money, but rather is a state of mind.

At one time in my life I was very poor and I used to read the Sermon on the Mount over and over to turn my mind from fear and lack toward God's goodness and generosity. The exercise in faith building helped me immensely to understand more about wealth, prosperity, gratitude and fearlessness and to live a satisfied and contented life.
"I have not yet begun to fight!" - Captain John Paul Jones

"Damn the torpedos - full speed ahead" - Admiral David Farragut

"Nuts!" - General Anthony McAuliffe

*** Good deeds bring rewards, bad actions bring troubles. That is a law of the universe. ***
Anonymous Coward
User ID: 74854366
United States
09/25/2017 11:04 PM
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Re: Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.
About 40k for me. No wife or kids. No debt beyond monthly bills. No house payment or rent (I manage an apartment complex and have my rent paid for). I have pretty much everything I need and still put money away every month towards savings/retirement.

My earnings are perfect for my current lifestyle, but realize that with a money sucking wife and kids it would be unsustainable. Looking into a vasectomy and a premium account at porn hub so my situation doesn't change LOL
Anonymous Coward
User ID: 75542007
United States
09/25/2017 11:04 PM
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Re: Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.
I only go to town a few times a year so barrow an insured rig for that. I do have my own rigs for the farm and 36ft motor home for emergencies. No car payments or insurace like that.


Hell, I am going to go out on a limb here and tell you all my expenses:

Electricity - 400.00 a month.

Car Insurance (3 vehicles full coverage) 350.00 a month.

Food Costs $ 300.00 a month.

House payment $ 450.00 a month.

House Insurance $160.00 a Month.

Medical Expenses $200.00 a month.

Car Payments $400.00 a month for 2 vehicles

Misc expenses $200.00 a month.

Medical Insurance $200.00 a month family coverage.

It takes every single penny me and my wife earn paying those expenses, and I we are living paycheck to paycheck. My wife earns maybe 1/2th of my income.

I didn't include other expenses such as clothing expences, cellphones, etc.
 Quoting: Anonymous Coward 13127957


I'll play

Electricity - 252.00 a month.

Car Insurance (3 vehicles full coverage) 300.00 a month.

Food Costs $ 800.00 a month.

House payment $ 1500.00 a month.

House Insurance $ incl. w/payment

Medical Expenses $100.00 a month.

Car Payments $300.00 a month for 2 vehicles

Misc expenses $400.00 a month.

Medical Insurance $ no cost for me
 Quoting: BRYinTX

Which company do you get your car insurance from? I pay about $200 for full coverage on a 2002 and only liability for a 2012.
 Quoting: Anonymous Coward 58642651


MetLife Auto Online. Don't have a local agent but my premiums are half what i paid with SF.
 Quoting: BRYinTX
Zedakah

User ID: 75058951
United States
09/25/2017 11:06 PM

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Re: Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.
My wife and I earn $35000 a year combined. They tax us about $5000 of that. We recently lost our healthcare, but other than that we have always been content.
Anonymous Coward
User ID: 72595226
United States
09/25/2017 11:06 PM
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Re: Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.
14k/yr.
Anonymous Coward
User ID: 74909168
United States
09/25/2017 11:09 PM
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Re: Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.
If you earn less than $60,000 a year, respond to this thread, I just want to prove that most people are living on less than this amount per year to survive...
 Quoting: Anonymous Coward 13127957


We are doing all right on $14,000 a year.
No mortgage.
No car payments.
Anonymous Coward
User ID: 75567727
United States
09/25/2017 11:10 PM
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Re: Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.
Self employed. My business takes in about $90k, I pay myself $48k a year.

Side question: If I ever close down the business at any point in the future, I assume they tax on what is being transferred from my business to personal acc?
 Quoting: Anonymous Coward 75467562


No, go see an accountant so that doesn't happen.
Anonymous Coward
User ID: 9335984
United States
09/25/2017 11:11 PM
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Re: Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.
If you earn less than $60,000 a year, respond to this thread, I just want to prove that most people are living on less than this amount per year to survive...
 Quoting: Anonymous Coward 13127957


Me and wife about 3 years ago earned around 50,000 a year, lived in trailer 900 sw ft, 4 kids, barely had enough to survive, wasn't broke but wasn't saving a lot wither.

Now we make over 200,000, and yes it sounds like a lot, but with higher tax bracket, we had to get a bigger house, we got better cars. Because working on a car every week or month, was getting old, and costing a lot.

With the bigger house comes more electric, more gas, more water, we actually take vacations now, eat a little better. Better clothes, etc...


But now we can actually save for retirement,. And have money of the cars break down. Or something in the house breaks, or kids needs medical care, dentist etc...

Point being when you make.more you spend more, rather you want to or not, your taxes will go up, you will find yourself buying things, that you use to. Couldnt afford, you migjt eat better. Etc...

I know people think I live on 40, 50, 60 a year, if I had 200 000 a year I would save all that extra money, yes, you would save some but I guarantee you would also spend more than you do now.

I've been in both worlds, and I like the higher income better, but I know I can survive in the lower income again of I had to.
Anonymous Coward
User ID: 45960366
United States
09/25/2017 11:13 PM
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Re: Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.
< 15,000/yr
Zedakah

User ID: 75058951
United States
09/25/2017 11:13 PM

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Re: Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.
If you earn less than $60,000 a year, respond to this thread, I just want to prove that most people are living on less than this amount per year to survive...
 Quoting: Anonymous Coward 13127957


Me and wife about 3 years ago earned around 50,000 a year, lived in trailer 900 sw ft, 4 kids, barely had enough to survive, wasn't broke but wasn't saving a lot wither.

Now we make over 200,000, and yes it sounds like a lot, but with higher tax bracket, we had to get a bigger house, we got better cars. Because working on a car every week or month, was getting old, and costing a lot.

With the bigger house comes more electric, more gas, more water, we actually take vacations now, eat a little better. Better clothes, etc...


But now we can actually save for retirement,. And have money of the cars break down. Or something in the house breaks, or kids needs medical care, dentist etc...

Point being when you make.more you spend more, rather you want to or not, your taxes will go up, you will find yourself buying things, that you use to. Couldnt afford, you migjt eat better. Etc...

I know people think I live on 40, 50, 60 a year, if I had 200 000 a year I would save all that extra money, yes, you would save some but I guarantee you would also spend more than you do now.

I've been in both worlds, and I like the higher income better, but I know I can survive in the lower income again of I had to.
 Quoting: Anonymous Coward 9335984


What do you do now?
Anonymous Coward
User ID: 75408676
United States
09/25/2017 11:15 PM
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Re: Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.
If you earn less than $60,000 a year, respond to this thread, I just want to prove that most people are living on less than this amount per year to survive...
 Quoting: Anonymous Coward 13127957


Just under, but doing better than when I was married and we were bringing in 2x that. My ex husband put us in $29,000 in credit card debt in about 2 years. That was the second time he did that. The breaking point was 2 filipino hoes and a kid with each one. Me and our kids are much better off.
Anonymous Coward
User ID: 75542007
United States
09/25/2017 11:21 PM
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Re: Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.
We could live quite comfortably on 60k a year. That's lottery right there!
 Quoting: Anonymous Coward 75574136

I agree, I live better than most of the posts I have read and live on under 10k a year. It is all in how you use it.
Anonymous Coward
User ID: 71464896
United States
09/25/2017 11:23 PM
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Re: Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.
Lol
Anonymous Coward
User ID: 75542007
United States
09/25/2017 11:23 PM
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Re: Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.
We could live quite comfortably on 60k a year. That's lottery right there!
 Quoting: Anonymous Coward 75574136

I agree, I live better than most of the posts I have read and live on under 10k a year. It is all in how you use it.
 Quoting: Anonymous Coward 75542007


I live alone in the woods and only have to drive and go to town a few times a year.
Anonymous Coward
User ID: 74580492
Canada
09/25/2017 11:26 PM
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Re: Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.
Try 20k for the year, that hurts.
Anonymous Coward
User ID: 1620694
United States
09/25/2017 11:29 PM
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Re: Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.
Aye
Anonymous Coward
User ID: 71050250
United States
09/25/2017 11:30 PM
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Re: Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.
$24,000 on SSAN disability and surviving.
Anonymous Coward
User ID: 75542007
United States
09/25/2017 11:30 PM
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Re: Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.
We could live quite comfortably on 60k a year. That's lottery right there!
 Quoting: Anonymous Coward 75574136

I agree, I live better than most of the posts I have read and live on under 10k a year. It is all in how you use it.
 Quoting: Anonymous Coward 75542007


I live alone in the woods and only have to drive and go to town a few times a year.
 Quoting: Anonymous Coward 75542007


alone in the woods you do not have to wear clothes, saves a lot of money, no make up or hair spay, to hell with shaving /wax legs or fake nails.
Deplorable Azila_Again

User ID: 75307773
United States
09/25/2017 11:31 PM
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Re: Respond to this thread if you earn less than $60,000 a year and are surviving... I am doing a little experiment here to prove a point.
Less is best, regardless of what you bring home. Live simply and be humble. That's the answer.
The real question is, do you even doodle Bro?