How much debt do you have including mortgage etc..
Replies
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I’m also 23 years old. For those who are wondering. Yeah I have a lot of debt for my age because of the house but most of the people around me the same age, don’t have a serious job and still live with their parents so I’ll take my debt 🤷🏽♀️3
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RunHardBeStrong wrote: »MIltonBradley1 wrote: »What is your credit score?
Good enough for Olive Garden.
Sounds like my type of lady!1 -
I am 31, live alone. I have:
~$5,000 left to pay on my car
~$7,000 in credit card debt
I only use my credit card for travel. The rest of my monthly expenses come right out of my checking account.
Per month:
$150 - groceries
$900 - rent, trash, water, sewage
$40 - wifi
$90 - gas and electric
$60 - gas for car
$210 - car payment
I plan on buying a house in the next 6 months to a year, so I should enjoy my low debt while I can
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sammidelvecchio wrote: »I am 31, live alone. I have:
~$5,000 left to pay on my car
~$7,000 in credit card debt
I only use my credit card for travel. The rest of my monthly expenses come right out of my checking account.
Per month:
$150 - groceries
$900 - rent, trash, water, sewage
$40 - wifi
$90 - gas and electric
$60 - gas for car
$210 - car payment
I plan on buying a house in the next 6 months to a year, so I should enjoy my low debt while I can
I wish my bills looked like this 🤣2 -
rickiimarieee wrote: »Just bought a new house so around 170k of debt. Paid some of my home with cash but had to get a mortgage for the rest!
My monthly spending varies.
Usually about 100 in gas
500-600 in groceries
200 for electric
300 for tv and internet
100-200 for water and sewage
40 every 3 months for trash.
About 200 in formula for my LO.
50-200 in diapers
And about 100-200 in prescription medication.
Mortgage is 1300 a month.
Your doing great! thats not debt.. it's living expenses2 -
caco_ethes wrote: »BasedGawd412 wrote: »Rent $550
Electric $35 a month
Gas $30 a month
Water $50 a month (my landlord gets the bill, I'm sure he is cheating me)
2015 Kia forte that's totaled $415 a month, 3 years left
2012 Kia Sorento $223 a month, 4 years left
Gas for vehicle $200 to $300 a month
Food $400 to $600 a month
I live in Pittsburgh Pennsylvania which is cheap to live plus I travel for a living so I'm hardly home which is why my utilities are low.
I did buy two houses before, first one was 37,500 and second was 39,000. Each 3 bedrooms 2 bath and werent even fixer uppers.
Our water bill has a base fee of $27 and is $4/1000 gals after that. If yours is similar then $50 might not be unrealistic
Unless you travel all month 😁
When I previously owned my past homes, my waterbill was $40 to $50 a month with 4 people living there.
One month I turned off my water at the source and when rent was due I asked my landlord how much for water, he said $60 lol.
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sammidelvecchio wrote: »I am 31, live alone. I have:
~$5,000 left to pay on my car
~$7,000 in credit card debt
I only use my credit card for travel. The rest of my monthly expenses come right out of my checking account.
Per month:
$150 - groceries
$900 - rent, trash, water, sewage
$40 - wifi
$90 - gas and electric
$60 - gas for car
$210 - car payment
I plan on buying a house in the next 6 months to a year, so I should enjoy my low debt while I can
How do you live on this? I'm moving out of Connecticut
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rickiimarieee wrote: »Just bought a new house so around 170k of debt. Paid some of my home with cash but had to get a mortgage for the rest!
My monthly spending varies.
Usually about 100 in gas
500-600 in groceries
200 for electric
300 for tv and internet
100-200 for water and sewage
40 every 3 months for trash.
About 200 in formula for my LO.
50-200 in diapers
And about 100-200 in prescription medication.
Mortgage is 1300 a month.
Your doing great! thats not debt.. it's living expenses
Well my mortgage is debt lol but yes the rest is monthly living expenses! Thanks!! 😀1 -
BasedGawd412 wrote: »caco_ethes wrote: »BasedGawd412 wrote: »Rent $550
Electric $35 a month
Gas $30 a month
Water $50 a month (my landlord gets the bill, I'm sure he is cheating me)
2015 Kia forte that's totaled $415 a month, 3 years left
2012 Kia Sorento $223 a month, 4 years left
Gas for vehicle $200 to $300 a month
Food $400 to $600 a month
I live in Pittsburgh Pennsylvania which is cheap to live plus I travel for a living so I'm hardly home which is why my utilities are low.
I did buy two houses before, first one was 37,500 and second was 39,000. Each 3 bedrooms 2 bath and werent even fixer uppers.
Our water bill has a base fee of $27 and is $4/1000 gals after that. If yours is similar then $50 might not be unrealistic
Unless you travel all month 😁
When I previously owned my past homes, my waterbill was $40 to $50 a month with 4 people living there.
One month I turned off my water at the source and when rent was due I asked my landlord how much for water, he said $60 lol.
Mines also around 50-60 and we have a family of 4 here as well!2 -
sammidelvecchio wrote: »I am 31, live alone. I have:
~$5,000 left to pay on my car
~$7,000 in credit card debt
I only use my credit card for travel. The rest of my monthly expenses come right out of my checking account.
Per month:
$150 - groceries
$900 - rent, trash, water, sewage
$40 - wifi
$90 - gas and electric
$60 - gas for car
$210 - car payment
I plan on buying a house in the next 6 months to a year, so I should enjoy my low debt while I can
How do you live on this? I'm moving out of Connecticut
My question too!1 -
rickiimarieee wrote: »rickiimarieee wrote: »Just bought a new house so around 170k of debt. Paid some of my home with cash but had to get a mortgage for the rest!
My monthly spending varies.
Usually about 100 in gas
500-600 in groceries
200 for electric
300 for tv and internet
100-200 for water and sewage
40 every 3 months for trash.
About 200 in formula for my LO.
50-200 in diapers
And about 100-200 in prescription medication.
Mortgage is 1300 a month.
Your doing great! thats not debt.. it's living expenses
Well my mortgage is debt lol but yes the rest is monthly living expenses! Thanks!! 😀
Mortgage is considered "good" debt because you can liquidate and pay off at any time; it appreciates; you get tax breaks; and you can utilize the equity in the home for other uses. Good job at such a young age buying!2 -
I live in Cali and am hesitant to post answers.
Let me just say that cost of living here is sky high, but thankfully wages are also high. I feel I would do better moving to a state with no state income tax.4 -
ItsYaboiAgain wrote: »Phoenixsunflr wrote: »And what’s your monthly spending on bills food and other essentials?
If i answer this. Will i start getting spam phone calls?
No spam phone calls I’ll just love you more 😁❤️😂0 -
rickiimarieee wrote: »Just bought a new house so around 170k of debt. Paid some of my home with cash but had to get a mortgage for the rest!
My monthly spending varies.
Usually about 100 in gas
500-600 in groceries
200 for electric
300 for tv and internet
100-200 for water and sewage
40 every 3 months for trash.
About 200 in formula for my LO.
50-200 in diapers
And about 100-200 in prescription medication.
Mortgage is 1300 a month.
Wish I lived where do that a new house incurred that much debt. I need to move2 -
40 yo
Norway
Income 90k
(Taxes 25k)
Mortage: 150k
Car:19k
Motorcycle 15k
Cars and taxes are extremely expensive here. Also, I had to give my ex 50k a couple of years ago.
No cards or student loans.
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@Danw586 I live in a 1 bedroom apartment in a nice suburb of Cincinnati (about 15-20 minutes north of downtown). My apartment is about 1000 square feet, nice but nothing extravagant. I put a big down payment on my car, so that kept my monthly payment low. I hardly ever eat out, maybe once a week, but I mostly cook my own food. I buy a lot of frozen stuff and eggs, splurge on fresh fruit! I don't have cable. I keep my heat low in the winter, probably around 63-65 degrees, and use my fireplace a lot. I lived for 29 years without central AC, so now that I have it I honestly don't use it a lot so that keeps my electric bill low. I fill up my gas tank about every 2 weeks, and a full tank is $30 depending on the current price of gas.2
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$540k gross yearly income
No mortgage
$25k in property and school tax per year
$1000 per month utilities
No car payments
$750 per month car insurances
$500 per month car fuel
$2000 per month miscellaneous
Pay credit cards in full every month average...$2000 per month
Does not include purely entertainment costs.
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About £4000 left to pay on my car.
That's it.
(But then I rent so no mortgage)
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