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Please review my monthly spending and give me tips to improve
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Date: September 20th, 2022 3:37 PM Author: Canary State Let me just say that spending was down substantially this last month to just over $11,000. But it needs a lot of work. Life is so expensive these days. Anyways, here are the numbers, please let me know if you have any ideas. Childcare $2,450.00 Grocery $1,631.04 Travel $1,362.11 (had a trip to Los Angeles – flight, accommodations, rent car, Ralphs runs, etc.) Mortgage $1,357.24 Utilities $1,014.27 Medical $876.44 Restaurant $689.51 Gasoline $447.88 General Merchandise $427.39 (amazon and wal-mart – just stuff we need I guess, wife buys from these retailers) Telephone $240.77 (home internet + mobile bill) Personal Care $153.38 (gym membership + some stuff my wife bought) Clothing $208.97 (Back to school stuff for kids—I have 4) CC Dues $95.00 (Chase Sapphire Preferred) Electronics $76.51 (Apple pay that my wife uses) Fees $29.00 (AmEx said they would credit this back) Education $16.24 (some charge from my wife) Entertainment $16.18 (Audible subscription for my wife) Automotive $9.76 (this was disposal and tax on a “free” oil change on our mini van) TOTAL $11,101
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Date: September 20th, 2022 3:43 PM Author: Sticky comical degenerate casino Jfc (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202420) |
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Date: September 20th, 2022 3:45 PM Author: Canary State Please help. Also, it’s worth nothing that these numbers don’t include any payments for insurance or taxes. Obviously ~$50,000 more gets spent on that stuff each year. (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202429) |
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Date: September 20th, 2022 3:48 PM Author: Sticky comical degenerate casino maybe stop eating at restaurants (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202435) |
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Date: September 20th, 2022 3:50 PM Author: Canary State Yeah that seems like low hanging fruit, but you have to remember I have a family. $680 represents going out to dinner once + getting one takeout meal per week for everyone on a Friday/Saturday + maybe 3 lunches that were bought out plus my wife getting a coffee maybe 2x a week. So while we go out to eat, that is by no means the majority of our food spend. |
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Date: September 20th, 2022 3:46 PM Author: Bossy arrogant sound barrier orchestra pit here's a shot in the dark: stop eating so much (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202432) |
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Date: September 20th, 2022 3:48 PM Author: Canary State Thank you. I am working on that for this month already. (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202436) |
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Date: September 20th, 2022 3:50 PM Author: Vibrant crackhouse You should go on this guy's channel:
www.youtube.com/watch?v=SfiWKiSd4DM |
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Date: September 20th, 2022 3:51 PM Author: Canary State If you would like me to I will apply. I probably won’t get selected though. (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202446) |
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Date: September 20th, 2022 3:56 PM Author: Vibrant crackhouse The guy will JUMP at having you on, you're situation is unique compared to the usual prole deadbeats he has on. (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202472) |
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Date: September 20th, 2022 3:58 PM Author: Canary State Okay, maybe I will apply tonight. (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202485) |
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Date: September 20th, 2022 3:57 PM Author: violent national stain (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202476) |
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Date: September 20th, 2022 3:58 PM Author: contagious sweet tailpipe place of business 1. Stop spending so much on chidcare, jfc.
2. Stop spending so much on groceries, jfc. My gf and I spend 300/mo at costco. Unless you have like 8 kids and are shopping at whole foods every other day, how are you spending 1.65k?
3. Why is your utilities bill so high?
5. Get a job that doesn't require you to spend 500 bucks per month on gas.
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Date: September 20th, 2022 3:59 PM Author: violent national stain (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202493) |
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Date: September 20th, 2022 4:03 PM Author: Canary State 1. Not really sure what you want me to do here. My wife makes more than the childcare costs and we have other benefits tied to her employment. 2. No clue on how to reduce grocery spending. I agree with you that it is absurd but you go to the grocery and they charge you. 3. Electric has been up over $450/mo and water is like $100/mo, but maybe this was 2 months of water, I don’t know. Gas bill is about $85. A/c repair is also in this and that’s a couple hundred (only 10 more payments though!) 4. ??? 5. ??? |
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Date: September 20th, 2022 4:14 PM Author: violent national stain (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202555) |
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Date: September 20th, 2022 4:15 PM Author: Canary State 3,070 3 bed, 3.5 bath (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202558) |
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Date: September 20th, 2022 4:18 PM Author: violent national stain (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202579) |
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Date: September 20th, 2022 4:19 PM Author: Canary State How do I have 6 people in a 3 bedroom house? We all share bedrooms. (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202591) |
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Date: September 20th, 2022 4:20 PM Author: violent national stain (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202594) |
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Date: September 20th, 2022 4:21 PM Author: Canary State I don’t know. I leave my a/c running I guess. (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202600) |
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Date: September 20th, 2022 4:25 PM Author: violent national stain (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202622) |
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Date: September 20th, 2022 4:29 PM Author: Canary State I think I already have one. But I never set it up. It’s a wireless Honeywell thermostat. I really don’t like messing with it though because there are multiple zones and if anyone touches them things get fucked up and then there is screaming. Screaming takes a lot out of me man. A lot. (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202654) |
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Date: September 20th, 2022 4:29 PM Author: vivacious alcoholic mediation milk esp if him and his wife work and the kids are in daycare/school all day. even if you're paranoid about libs and don't want smart home shit, you can just get a regular thermostat with a timer setting. (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202655) |
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Date: September 20th, 2022 4:31 PM Author: Canary State This is a really good idea. We should be doing this. I’m going to look into it for sure. (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202678) |
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Date: September 20th, 2022 4:04 PM Author: dashing godawful clown how is your mortgage so low (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202510) |
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Date: September 20th, 2022 4:08 PM Author: Canary State Original loan was $200k at 2.75% 15-year fixed. We are on year 3. (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202532) |
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Date: September 20th, 2022 4:11 PM Author: heady fuchsia home What's in medical if this doesn't include insurance? (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202540) |
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Date: September 20th, 2022 4:14 PM Author: Canary State My wife, two kids, and I all had appointments and various medical charges last 30 days. Agree that that’s probably an outlier to some degree, but it’s always something man. There’s always at least $1000 of variance for something that comes up. Medical, car, school, trip, home repair/maintenance. It never ends. (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202552) |
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Date: September 20th, 2022 4:15 PM Author: heady fuchsia home Yeah, always something. I'm in a similar situation as you, there's almost nothing to cut. You are doing about as well as you can. How are your retirement savings? (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202559) |
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Date: September 20th, 2022 4:17 PM Author: Canary State ~$800k across investment/cash accounts (down significantly) (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202572) |
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Date: September 20th, 2022 4:18 PM Author: heady fuchsia home Good for you. (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202582) |
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Date: September 20th, 2022 4:21 PM Author: Splenetic Startling Lay Cumskin You should be able to halve your food budget. Don't you cook? Make a meal plan and do most shopping at Costco. (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202602) |
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Date: September 20th, 2022 4:23 PM Author: Canary State I do cook. I’m not driving all the way to Costco unless I can be sure it’ll save me money. Most people that rave about Costco focus on the meat department (I got like 3 meat things last 30 days—have it once every 10 days-2 weeks) and their shirts (which I am not buying). Do not see any reason to participate in the Costco scam, especially because they don’t open until 9am or something and are super inconvenient. (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202615) |
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Date: September 20th, 2022 4:25 PM Author: Splenetic Startling Lay Cumskin It's not meats, it is just generally buying bulk items. I have three kids and I am puzzled at how you can spend so much on groceries if you cook. Would need a breakdown. (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202626) |
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Date: September 20th, 2022 4:26 PM Author: violent national stain (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202637) |
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Date: September 20th, 2022 4:32 PM Author: Canary State I will take a photo of what I make for dinner tonight. (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202684) |
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Date: September 28th, 2022 10:22 AM Author: Pale Pozpig You spend $80 a day on food and you only eat meat once every 10 days? WTF are you eating? (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45243850) |
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Date: September 20th, 2022 4:21 PM Author: trip drab elastic band Utilities seems high. (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202603) |
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Date: September 20th, 2022 4:24 PM Author: Canary State Yes. It’s been a rough summer. I hope this will improve a bit. (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202620) |
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Date: September 20th, 2022 4:40 PM Author: red autistic death wish Spending more on groceries than mortgage is fucking nuts, I know you have kids but Christ, buy some peanut butter or something (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202731) |
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Date: September 20th, 2022 4:48 PM Author: Canary State It’s really not. Groceries are subject to inflation and have gone up like 20% in the last year. Mortgage has stayed the same. Honestly couldn’t afford much more house at this cost of living creep. Inflation is absolutely out of control and cost of living in the United Stated is out of control. Lower middle class starts at like $200k HHI and upper middle class is like $800k-$1.3m per year. You are taking on water if you make less than $20k/month gross. |
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Date: September 20th, 2022 4:52 PM Author: maize stimulating hospital I thought your wife stayed home? What's with the childcare? (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202802) |
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Date: September 20th, 2022 4:56 PM Author: Cerebral bat-shit-crazy macaca space Drown kids in bathtub. Profit! (http://www.autoadmit.com/thread.php?thread_id=5195980&forum_id=2#45202826) |
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Date: September 28th, 2022 10:13 AM Author: Mind-boggling violet market coldplay fan Wtf man
Childcare, travel, and restaurants are absurdly high
I'm certain that you don't have to pay that much for childcare, even if your wife is not staying at home. |