- April 8, 2024
- Posted by: legaleseblogger
- Category: Related News
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## Switching Phone Carriers from Verizon to Mint
Throw away account as this is more than I would normally share. We will be switching our phones from Verizon to Mint. Any other suggestions? We bought our house in December 2022, in a low-cost-of-living area (Florida).
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****** just grabbed a
It’s called life style creep. You spend 2.9k on housing, 1.2k on food and 1.4k on transportation. That is why
Your phone bill is not the problem here
The obvious one is “Play $$,” whatever that is. But 1200 for food? What’s the household size for this kind of figure? If this is a monthly bill for just two people that’s pretty steep
Edit: OP, If you aren’t going to engage with this post then there’s not much the rest of us can do in the way of suggestions
I know these Sankey graphics can be helpful data viz, but there’s usually additional information missing something from folks posting these.
For example, the credit card payments category: are you carrying CC debt? If so, how much and what’s the interest rate?
How much total do you currently have in savings? In retirement accounts? Are you maxing eligible retirement accounts?
I’m assuming the taxes catoregy includes health insurance costs?
Is that food category include both eating out and groceries? That immediately jumped out to me as relatively higher for two people a month.
First and foremost, you need to eliminate the credit card debt. Unless that $190 is paying off something you got at 0% and you’ll have it paid off on time you need to pay it off immediately.
2nd, you’re saying 4% for retirement. That desperately needs to go up to 10%, minimum. Preferably 15%, ideally 25%.
3rd, you say you’re in a LCOL area, but that’s a ton on housing and food. You should shop your home insurance and see if you can get a better quote or possibly raise your deductible. I understand it’s FL though. Food is also very high for what I’m assuming is 2 people. I can maybe understand if it’s 4+ but still pretty high. Eating out a lot? Based on your taxes I’m guessing 4 people.
4, Play money should not be more than retirement savings.
5, that’s a good chunk going to cash savings. Do you have a good bit saved in cash already? Can that go to investments?
6, $1380 also seems high for transportation. Do you have a new vehicle? I hope you’re going for tell me you’re going to drive it until the wheels fall off.
7, where’s health insurance?
8, subscriptions/misc better be mostly misc.
You spend a whole mortgage a month on play money and your idea is to change phone plans? Good lord
What is transportation? Car payments and gas? Seems really high to me. Also, that’s way too much play money and not enough retirement money. My wife and I get $100 each a month to play with
More info needed:
Transportation: how many cars? Interest rates? Insurance, gas. Needs a full breakdown
Credit card: is that debt? How large? Just paying the interest?
Play money: regular hobbies? Or untracked just spent as you please?
Food: way too much if you are trying to save. How much of this is eating out vs ordering in vs groceries/cooking at home?
Retirement: looks to be not nearly enough. 450 to that but 1280 to general savings? What is that general savings ultimately going to
My apologies, I am not used to getting a lot of traction on posts. Working on responding now and thank you to everyone that has responded.
Not enough info to inform on. One thing that jumped out was that your spouse is spending ~20% of her Pre-tax income on “play”. Probably around 25% of take home pay.
Y’all playing more than investing for retirement by 3-1 but do you.
Housing is a bit high, we make a little more than you guys and $2200 is the max we are ready to spending on housing. Also food may be high depending on family size. Grocery prices are up but in a LCOL area, $1000 should cover a family of 4. Costco has been great at keeping grocery budget under control.
Fun money is high 800 combined would be reasonable, 100 per week each.
You are able to save a decent amount though so that’s good.
Can’t wait to hear what she’s spending that play money on.
Something that jumps out to me is “Her” wages being around half of “His” wages yet having double the “Play money”
does transportation include 2 car payment + insurance + gas? that’s still very high. what are you eating with 1200/mo? eat out every week? you’re paying too much for housing. did you buy too much house or is the insurance killing your budget?
Ya’ll are playing way too much. Cut that down, pay off the CC, and you’ll be fine.
You need to build up a 6-month emergency fund like yesterday, not a sinking fund that you turn around and spend every few months. You’re one lost job away from a complete disaster.
Once that’s funded, turn your attention to beefing up retirement. Most recommend saving at least 15%; you’re saving 4%. And 15k at what (I’m assuming) is your age with a teenager means you haven’t even been doing that for very long. That’s less than 3 years of saving $450 a month, even less if it’s grown due to being invested (which it should be). Y’all make good money for your area, but you’re throwing it away. You’ll never retire on your current trajectory.
Edit: Missed the $5000 cc debt that you’re only paying $190 a month on. Pay that off! You’re either paying huge interest penalties on that balance while farting away $1200 a month in fun money, or that’s in an interest free period that you can attack now to avoid the big interest hit. Y’all are playing with fire.
The classic make twice as much as her and she spends twice as much
I “advise” you to spell and use the word “advice” correctly going forward.
Make more money and save way more for retirement. You’ll be working till 70+ at that rate.
His play money $400
Her play money $800
🤣🤣 it be like this