cute fuzzy bunny
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
I just re-ran my budget for the last two years.
My fixed costs including food, gas, utilities, health care, and all miscellaneous expenses rounds up to about $18k. No debt, so no home or car payments included. My "discretionary spending" for the last two years ran to about 6k per year excluding some one-time expenses (like an engagement ring...I sure as heck hope THATS a one time thing...).
I've shaved that 18k down to the point where I doubt I could reduce my base costs any further. If I moved into a smaller easier to heat/cool house, dropped cable tv and internet access, sold my car and bought an old one that I only took minimal insurance on, and ate a lot of pasta I might shave about $2.5-3k off of it. Not worth it.
Considering that up until 3 years ago I made six figures every year and spent most of the salary, this represents quite a lifestyle change, of which I dont miss a thing.
I'm tracking to cut that "discretionary spending" roughly in half this year. Pretty much just thinking 3 times before buying any non-essentials.
Seems to be something magical about that $24k number...
My fixed costs including food, gas, utilities, health care, and all miscellaneous expenses rounds up to about $18k. No debt, so no home or car payments included. My "discretionary spending" for the last two years ran to about 6k per year excluding some one-time expenses (like an engagement ring...I sure as heck hope THATS a one time thing...).
I've shaved that 18k down to the point where I doubt I could reduce my base costs any further. If I moved into a smaller easier to heat/cool house, dropped cable tv and internet access, sold my car and bought an old one that I only took minimal insurance on, and ate a lot of pasta I might shave about $2.5-3k off of it. Not worth it.
Considering that up until 3 years ago I made six figures every year and spent most of the salary, this represents quite a lifestyle change, of which I dont miss a thing.
I'm tracking to cut that "discretionary spending" roughly in half this year. Pretty much just thinking 3 times before buying any non-essentials.
Seems to be something magical about that $24k number...