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I am doing a budget

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That 30% of income is usually expressed as gross, not net income. So that might "allow" you more $ for this budgetary item. I don't find housing to be fukked in America, I find people's perception of where they should be living is fukked in America.

These are all squishy rules of thumb. If you need 40% for housing you need to sacrifice elsewhere... Like fresh pineapple (or more likely discretionary/entertainment).
 
I of course was joshing around about my figure of 3 bucks a month for food - but the actual figure does not feel great.

Feels tight. When I look at it, I feel hungry.

But I guess as long as I never need any new clothes and nothing that I own ever breaks and I never want to go out for entertainment and the oil in my crankcase is of good sturdy stock ---> I should be okay.
 
Blitty
How did you blow 6 figures again?
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Not that difficult really. Let's say I had $150,000 in the bank ten years ago.

So the #1 problem ---> too slow to react to the death of my business. So while income is systematically dwindling, I am continuing to live at the level to which I have become accustomed. That's a downward sliding scale for several years.

Also in there, later, I lost a job due to a plant shutdown and was unemployed for ~9 months?? Something like that? Without over-complicating it, that all probably amounts to, oh, say, 3 years of living off nothing but savings.

I bought out my car in cash which was over 10K.

So that's getting close to the whole shot right there.

That aside, even working full-time at a respectable job as I am now, it is no problem to spend $400-500 per month ($5K per year) more than I make if I'm not really thinking about it. That can be as simple as just buying the groceries that I want. When I want/need something, I just get it, whether it is an electric guitar or a nice dinner out or good Christmas presents. That's not even getting into medical-related stuff for Jenny.



Bada boom, bada bing.
 
Matty
Show me proof that you can buy all that for $15.
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You can get a pack of 32 frozen patties at Walmart for $20. It comes out to about $8 a dozen. Buns are $2 for 16 store brand. Ketchup and mustard is $1 or less per small bottle. You can even get 12 slices of cheese for $2. I'd throw in a head of iceberg lettuce for $1.

Here you go $15. I don't want to go to Walmart now but anyone who lives in the south can confirm.
 
Saulty
You can get a pack of 32 frozen patties at Walmart for $20. It comes out to about $8 a dozen. Buns are $2 for 16 store brand. Ketchup and mustard is $1 or less per small bottle. You can even get 12 slices of cheese for $2. I'd throw in a head of iceberg lettuce for $1.

Here you go $15. I don't want to go to Walmart now but anyone who lives in the south can confirm.
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French fries...
 
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