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標題: How much do you spend a month? [打印本頁]

作者: ACC-HE 時間: 2008-7-7 00:04 標題: How much do you spend a month?

looking at the bills...

作者: pepsis2 時間: 2008-7-7 09:29

fixed cost:
-condo mortgage: $1150
-Main Fee: $350
-car lease: $350
-car & home insurance: $200
-others: $150
-loan repayment: $500
total: $2700

Variabe cost:
-food (grocery): $250
-car exp: $75
-misc grocery: $100
-dine-out: $250
-Luxury: $250
total: $925

so can't save much... hope to win lottery soon

作者: news 時間: 2008-7-7 10:48

about $2000 for me

作者: yungfourfour 時間: 2008-7-7 10:50

原帖由 pepsis2 於 2008-7-7 10:29 發表
fixed cost:
-condo mortgage: $1150
-Main Fee: $350
-car lease: $350
-car & home insurance: $200
-others: $150
-loan repayment: $500
total: $2700

Variabe cost:
-food (grocery): $250
-car exp: $75
-mis ...

The scary thing is that....your "cost" list actually look reasonable and it does cost $3500+ a month!!
(indeed $250 a month is a very tight budget for grocery).

When you get out of student loan you get extra $500 to spare for a month

[ 本帖最後由 yungfourfour 於 2008-7-7 11:51 編輯 ]

作者: low_B 時間: 2008-7-7 11:08

fix cost around $2000

作者: yungfourfour 時間: 2008-7-7 12:17

Curious too
Why are you mortgaging when you are still on student loan repayment?
or you bought your place few years back when the prices weren't so crazy?

作者: siumaibb 時間: 2008-7-7 13:06

The question is how much you earn!

作者: peter236 時間: 2008-7-7 15:19

Why is mortgage a cost when it is a contribution to your equity? Your home has already gone up in value.

作者: Guy 時間: 2008-7-7 17:46

$300 a month la...

作者: cha_wan_mushi 時間: 2008-7-7 17:54

about $300 also.

作者: yungfourfour 時間: 2008-7-7 21:06

原帖由 peter236 於 2008-7-7 16:19 發表
Why is mortgage a cost when it is a contribution to your equity? Your home has already gone up in value.

I guess the he's trying to list how much he's paying on a monthly basis.

作者: pepsis2 時間: 2008-7-8 17:57

hey i'm not living in Van which the price of housing is rediculously high...
the condo i purchase still looking good in value & is the same price (or even cheaper for a brand new condo near downtown toronto for 750 sq foot than rent 1)... i do think my decision on the purchase is very wise....

anyway.. i'm saving all i can in the variable cost.. oh by the way, that's the expenses of a family of 2 (& 1 more baby coming)....

作者: Loveconcert2008 時間: 2008-7-8 18:32

me ard 300 also...

作者: Hyde 時間: 2008-7-8 19:26

hmmm.......
this is in HKD
Drinking and Partying 1 night = $10k and about 8-10 night a month so $80k
Food $500 a day average = $15000
Gas = $15000 (10000Km a month, $8RMB per liter, average 14L/100KM)
Road Tolls = $2000
Parking = $10000
Shopping = $20-30k a month
MISC bills for phone, internet = $1000
My Dog's spendings = $5000
Total = $158000

作者: yungfourfour 時間: 2008-7-8 22:00

driving 10000km a month? you are a full time truck driver?
I hope you get what you spend from your job, not from a hose la haha

P.S. Being your dog is more fortunate than most HK workers lol

作者: Intelstan 時間: 2008-7-8 23:39

What do you need to shop that costs $20-$30k every month?

作者: Hyde 時間: 2008-7-9 03:03

clothes, toys, phones, car stuff

作者: baubau 時間: 2008-7-9 11:29 標題: 回復 14# 的帖子

Wow...
it appears you live with your rich parents, work to entertain, and your certainly drive a lot.

$158k - approx $21k Cdn per month. Wonder how many LYK's make even half of this before tax.

作者: 布小熊 時間: 2008-7-9 11:52 標題: 回復 18# 的帖子

And apparently, he can "cut" his spending by half by not party/drink like crazy.
$158k - 80k = $78k

原帖由 Hyde 於 2008-7-8 07:26 PM 發表
Drinking and Partying 1 night = $10k and about 8-10 night a month so $80k
...

作者: Hyde 時間: 2008-7-10 08:47

i can actually write off most of it as company expense

作者: fibbi 時間: 2008-7-10 10:50

Let's see...
For a family of 2...

car insurance:340 (for 2)
house insurance: 150
gas: 350
grocery 200
dine out 200
entertainment 100 (movie, attending wedding, skiing...etc.)
tv/internet: 100
cell: 50 (for 2)
phone (land line+LD): 60
gas+hydro: 200

saving:
family saving including house maintainance 1000
RRSP 1000
travel: 200
car maintanance: 100
So...around 4000 month

作者: totori 時間: 2008-7-10 13:59

原帖由 fibbi 於 2008/7/10 10:50 AM 發表
Let's see...
For a family of 2...

car insurance:340 (for 2)
house insurance: 150
gas: 350
grocery 200
dine out 200
entertainment 100 (movie, attending wedding, skiing...etc.)
tv/internet: 100
cell: 5 ...

Lucky you don't have mortgage, with mortgage payment it's hard to save that much.

作者: alee 時間: 2008-7-10 20:20

hmm, if i divide my tuition and school stuff into monthly spendings...
tuition: 750
books and school supplies: 150
rent: 750
car insurance and gas: 250
phone bill: 50
food and household items: 200

~$2150/month
but that will change in a yr's time

作者: yungfourfour 時間: 2008-7-10 20:30

My expense sounds primitive

$400 rent including utilities
$500 on all of my expenses ($100 a week including food and entertainment; $100 for bus pass a month)

that's why I did save quite a lot for other stuff

作者: its_visa 時間: 2008-7-10 23:47

原帖由 Hyde 於 2008-7-9 04:03 發表
clothes, toys, phones, car stuff

Wow..Hyde's life seems so enjoyable ~
$15XXXX / month ?
i mean....c'mon -__-

i hope ur using ur OWN money for those..."activities" like PARTYING and DRINKING..and SHOPPING ..for "phoneS" as you said..

作者: fibbi 時間: 2008-7-11 10:21

原帖由 totori 於 2008-7-10 14:59 發表

Lucky you don't have mortgage, with mortgage payment it's hard to save that much.

Yeah that's why I don't think I can afford a house. I"m living in parents place.

作者: pepsis2 時間: 2008-7-11 13:50

i miss the old good day when both of us working & saving like crazy.... at that time we lived in a bachelor for $530 rent for everything included (but only 220 ft); 1 cell phone (his paid by company); 1 old car with only insurance & gas to pay ($350); than the rest are just variable cost....

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