Quote:
|
Originally Posted by Zary's-Mustache
I will just lay everything on the table. I have no idea how people are surviving out there. I am married with 2 kids and make approx 90k after taxes. Wife doesn't work.
My mortgage is pretty low at 150k. I can't seem to save any money at the end of each year. Feels like I'm working just to stay afloat. I do save some but it definitely isn't enough for any kind of retirement. I don't have any benefits or a pension plan.
Having said all that I know lots of people are even in worse situations making less and it always boggles my mind how people can even afford these big mortgages. I have a friend who makes as much as me but his mortage is 3 times mine. I really don't understand how he does it.
Inflation is insane. Grocery shopping is insane. Feels like everything is over priced. I counted 12 strawberries the other day for $7. My kids eat 12 strawberries a day.
This is more of a rant and don't really know the point other than how are people getting by out there?
go on big family vacations every year.
I actually agree with the budget part. A lot of people don't know how to or don't care to. I'm in the latter category.
I could budget a lot better but I don't care to honestly and that's my own fault I guess. I spend a lot of money on unnecessary things like travel and going out for dinner but to me I feel like if I'm not traveling or going out for dinner then what's the point of even having a little bit of money?
As god as my witness as I'm typing this my wife is looking at the Flipp app and just said "how do people afford to shop at sobeys".
This is honestly a crisis. There is no way the majority of families can afford to feed their family healthy food or even unhealthy food right now.
Many people with wife and kids still don't get to split any bills.
|
I guess your original post was rhetorical and you weren't looking for suggestions. You seem to be content to just spend the money you make and not save anything.
Wife doesn't work, don't care to make a budget, spend a lot of money on "unnecessary things like travel and going out for dinner and $1200 a year on haircuts"
Families are getting by on a lot less and they are cutting out these things in order to do it. They're budgeting and keeping a close eye on their finances and often have two or more working people contributing.
Lots of good suggestions in this thread - your original post made it sound like you were struggling and asking for ideas. The rest of the thread you've made statements like, "Who said I was struggling?" If you haven't gotten to the point where you're cutting down on haircuts or travel or dinners out then it sounds like you're doing just fine.