Monthly Bills

Al Audi said:
DCAllAmerican said:
No disrespect but why not just pay it all? No point of carrying a balance if you don't need to
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I agree

Carrying debt is more of a personal choice but if I could pay in full I always have.
Click to expand...

0% financing = free money.

I know you guys know this. You invest the money in anything over the time it takes to pay off and you profit...even if it sits in your saving account earning .03%.

Time value of money

Also opening a line of credit and paying it off without missing a payment looks good on the credit report

But i get you in the "i don't like bills" feeling for a couch per say. But there are obvious reasons to take the 0% financing
 
handullz said:
Y'all bugging

20 work days in a week... that's $200 for lunch

Eating out 2 times during the week for four weeks = 30 x 2 x 4 = $240

There's $440 not including the weekend meals or groceries to buy or even any type of breakfast.
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Dude said it was all groceries, unless I missed something. He didn't mention eating out and lunch or any of that other stuff.
 
I find myself saving 50-70% by cooking myself but the time I waste doesnt make up for it
 
Jking0821 said:
0% financing = free money.

I know you guys know this. You invest the money in anything over the time it takes to pay off and you profit...even if it sits in your saving account earning .03%.

Time value of money

Also opening a line of credit and paying it off without missing a payment looks good on the credit report

But i get you in the "i don't like bills" feeling for a couch per say. But there are obvious reasons to take the 0% financing
Click to expand...
Yeah I have a 0% 4yr financing offer I took for furniture.
 
Mortgage - 1,500 with extra principal
property tax - 200 mo
Food - 600
Power - 150
Car - 400
Water 60 every 2 m
Garbage - 35
Cell phone - 140 before reimbursement
Netflix - 7
Internet - 40
Savings - 500
 
Gas:~$80
Haircut: $20 x 2
Car insurance: $120
Car paynent(lease): :$190
Phone :$130( pay for the family plan)
Student loans : ~$800
Credit cards: $150( 5 cards at around ~$25 min)
Savings: $5 a week auto debited( I put lump sums in as well)
Planet Fitness:$10 ( need to cancel. It's been over a year since I've went)
Sirius : $17
Crunchy roll: $6
Food: $200-300
Netflix: free
Hulu: free

6k in savings
401k and retirement stuff is taken out automatically

Don't pay any rent but I pay for the cell phone bills and chip in large portions for the grocery expenses
 
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Katy, Tx(Houston)
1 more year until my wife goes back to work!

Rent 1400
Electric 160
Trash 25
Car 400
Credit Cards 300
Netflix 9
Food approx 560
Cable 160
Gas 100
24 hr fitness 40
Phone 220
401k 150
 
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DCAllAmerican said:
No disrespect but why not just pay it all? No point of carrying a balance if you don't need to
Click to expand...

Just got married 2 months ago, so my savings was mostly depleted lol. Plus the wife has a year left in school and it's just be me covering the the bills right now. I want to beef up my savings some more first in case of any emergencies and then I'll go ahead and pay it off.
 
Uverse/Cell Phone- $400 (Mine and parents, living at home at the moment after losing job back in August)
Car Subaru STI- $535
Insurance- $130
LA Fitness- $30
Netflix- $12 (upgraded to the 4 screens playing at once)
Rhapsody- $10 (never have to buy a CD ever again)

People getting bills mixed up with expenses.
 
Jking0821 said:
0% financing = free money.

I know you guys know this. You invest the money in anything over the time it takes to pay off and you profit...even if it sits in your saving account earning .03%.

Time value of money

Also opening a line of credit and paying it off without missing a payment looks good on the credit report

But i get you in the "i don't like bills" feeling for a couch per say. But there are obvious reasons to take the 0% financing
Click to expand...




my bad, i just looked at his repsonse only.........


View media item 2086976
 
Where are you guys eating out that you only spend $30? Dinner for two ranges anywhere from 50 - 120 before tip
 
LA in a 2bed/2bath apt with a room mate.

Rent 1,237.50
Car 374.00
Internet 17.00
Insurance 159.00
Hulu 11.00
Electricity 22.00
Gas 3.00
Health 169.17
Skype 5.99
Phone 90.00
Food/Drinks (going out with gf and eating) 800.00

Used to be higher but switched out my car and lowered the lease payment by over 200 dollars.
 
Rent: $800
Cable: $120
Phone Bill: $100
Electricity/Gas: About $50
Credit Cards: $150
Laundry: $60
Groceries/Lunch for the week: $200
Netflix: $7.99
Spotify: $9.99
 
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Married, 2 kids in NoVA

Mortgage - 1800
Car payments (2) - 640
Cell phones - 190
Cable/innanets - 200
Gasoline - 250
Electric - 180
Gas - 50
Water - 50
Daycare/afterschool care - 1500 (summer its 2200 as my oldest goes to public school)
Parking - 200
Groceries - 600
Blue Apron - 200
student loans - 1400 combined


Not counting health dental insurance, 401k, flex account as all that comes directly out of our paychecks. I'm sure theres a few things i left out

*edit probably another $600 eating out.
 
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