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Living costs: how much do you spend?

Discussion in 'Real Life Discussion' started by Taure, May 12, 2017.

  1. Taure

    Taure Magical Core Enthusiast Prestige DLP Supporter

    Joined:
    Mar 5, 2006
    Messages:
    968
    Location:
    United Kingdom
    High Score:
    13,152
    A conversation on IRC about living costs in different areas has inspired this thread. I thought it might be interesting to compare living costs in various parts of the world.

    So where do you live, and what are your expenses? And as an addendum, what kind of lifestyle do you lead?

    Manchester, England

    Lifestyle: sharing an apartment in a nice area with 2 others. Eat out regularly but don't have big expensive nights out on the town. Use public transport/walking for all travel. Travel by tram to the city centre takes 20 minutes. Many quality bars and restaurants within walking distance.

    Overheads

    Rent: £350/month

    Electricity & Gas: £24/month

    Water: £15/month

    Internet: £11/month

    TV licence: £4/month

    Council tax: £39/month

    Netflix: £7/month

    Phone: £25/month

    Total fixed costs: £475/month

    All expenses just show my personal portion of the bills/rent (i.e. 1/3). Council tax is a tax paid directly to the local government based on the value of the property you live in, to pay for local services.

    Variable costs

    Weekly food shop (generous): £50

    Indian/Chinese/pizza takeout: £10

    2 hour Spanish class, one to one: £28

    Tram to city centre: £4 round trip

    Lunch meal deal: £3 (sandwich + side + drink)

    Good gin & tonic: £5.80

    Nice meal in mid-range restaurant: £20 (main + side + drink)

    Total variable costs, standard week: ~£120

    Total living costs monthly: £955 ($1230)
     
    Last edited: May 12, 2017
  2. T3t

    T3t Purple Beast of DLP Prestige DLP Supporter

    Joined:
    Jan 21, 2011
    Messages:
    159
    Location:
    Los Angeles
    High Score:
    3,164
    Koreatown (Los Angeles, CA)

    Lifestyle: Live alone in a large 1-bedroom apt. Drive ~10 minutes to work. Food is an expensive hobby.

    Rent: $1400

    Phone: $47

    Internet: $45

    Electricity: ~$17

    Gym: $30

    Soylent (24 bottles a month): $74

    Car (lease): $206

    Car (insurance): $330 (don't get into accidents, kids)

    Food (non-hobby): $150-200

    Food (hobby): $500-600 (but can vary a lot depending on what kinds of places I end up targeting that month)

    Total: a hair under $3000/month. I probably ought to cut down a bit...
     
  3. TMD

    TMD Groundskeeper DLP Supporter

    Joined:
    Jan 4, 2015
    Messages:
    363
    Location:
    London
    Formatting shamelessly stolen from Taure edition

    London, England (Living out at Uni)

    Lifestyle: Sharing a 3 bedroom house in a trendy area with 2 mates. Eat out regularly but don't have big expensive nights out on the town. Have a car, and also use public transport depending on where I need to go (fuck paying congestion charge in central london). Many quality bars and restaurants within walking distance.

    Overheads

    Rent: £4767/month (1589 each) <- fuck london prices

    Utility Bills: ~£40/month

    Council Tax: Exempt because student

    Internet: £35/month

    Netflix: ~£11/month

    Phone: £15/month

    Car: £350/month

    Petrol: £100/month

    Total fixed costs: £2140/month

    All expenses just show my personal portion of the bills/rent (i.e. 1/3).

    Variable costs

    Weekly food shop: £0 (get fresh food from home every weekend)

    Takeaways: £30/wk

    Monthly Oyster Card: £120

    Luxury spending (lunches, snacks, coffees): ~£50/wk

    Eating out (date/chill with friends): £20/wk

    Total variable costs, standard month: ~£520

    Total living costs monthly: £2660 ($3428)[/QUOTE]

    Does my bank balance look like shit sometimes, yes. Should I have gone to uni outside London and be able to spend 50-70% less per month, maybe. Do I regret living in London, no. But fuck London prices seriously, I can see why people complain a lot about being priced out, unless you earn a lot or have parents to bankroll you it's obscene.
     
    Last edited: May 12, 2017
  4. Mage

    Mage Chief Warlock DLP Supporter

    Joined:
    Apr 18, 2006
    Messages:
    1,489
    Location:
    Washington, DC
    Washington, DC

    Lifestyle: Share a 1 bedroom with my girlfriend. Walk to work, go out more often than I should.

    Rent: $1320

    Phone: $80

    Internet: $25

    Electricity, Water, Gas: $30

    Groceries: $150

    Eating Out: $250

    Bars: $450

    Netflix: $5

    Xbox Live: $4

    Hair Cut: $25

    Transportation: $60

    Travel (leisure): $400

    Total: ~$2800 per month
     
  5. bolko7

    bolko7 Second Year DLP Supporter

    Joined:
    Jan 7, 2008
    Messages:
    62
    Warsaw (Poland)

    Lifestyle: Living with my GF in a small 30m studio apt.

    Rent: 475 euro

    Phone: 82 euro

    Internet: 37 euro

    Electricity: 71 euro (every two months)

    Gym: 35 euro

    Food : 300-500 euro

    Hobby : 200 euro

    Other : 200 euro (cloth, doctor visits ect)

    and zero savings ;(
     
  6. Lindsey

    Lindsey Order Member

    Joined:
    Dec 1, 2010
    Messages:
    866
    Gender:
    Female
    Location:
    Seattle, WA
    West Seattle, Seattle, WA - USA

    Lifestyle: Sharing a 2800 sqf t(3BR/3BA) house with my boyfriend and a roommate in the outskirts of Seattle proper. Eat out regularly but don't have big expensive nights out on the town. Use cars for pretty much all travel as we are just out of walking range from most places (unless its summer and its actually nice outside).

    Overheads - Housing
    Rent: $2800/month (I pay 1200, bf 1000, roommate 800).

    Electricity & Gas: ~$120/month (mostly gas, as we have water heated floors and gas stovetop).

    Water/Sewage/Garbage: ~$100/month (sewage is super expensive here).

    Internet: $70/month

    Total: ~$3100/month
    Total Expenses for me: ~$1300/month

    Overhead - Personal Expenses

    Netflix: $7/month

    Phone: $0/month (my company pays for my phone, normally 60 a month).

    Gym: $30/month (company pays for half of gym. Normally 60).

    Car Payment: $200/month (want to pay it off quicker).

    Car Insurance: ~$100/month (I pay it every 6 months).

    Gas: ~50/month

    Total fixed costs: ~1700/month

    I make about 5000/month after taxes so my expenses to income ratio is almost exactly 1/3. I spent a lot more on other things though such as food.

    Variable costs

    Groceries: 400/month for two people, so roughly 200 a month

    Alcohol/Bars: 50/month

    Restaurants: 200/month (if not more)

    Various Shopping: 150/month

    Total living costs monthly: ~2,300/month

    It is hard for me to get a rough estimate of what I spend due to traveling for work (and getting reimbursed later) as well as I'm the one who pays most the bills for everyone in the household and they pay me or I take it out of the monthly rent.

    It seems to be pretty consistent that I save about half of what I make. I am pretty damn lucky as Seattle is expensive as fuck.
     
  7. Shinysavage

    Shinysavage Madman With A Box Prestige

    Joined:
    Nov 16, 2009
    Messages:
    1,070
    Location:
    UK
    High Score:
    2,296
    Stafford, England.

    Lifestyle: living by myself in a rented terraced house in a small town. Eat out/takeaway maybe three or four times a month, but no big nights out. Walk everywhere, with occasional train trips if I'm going further afield.

    Overheads:

    Rent: £470 per month.
    Council Tax: £75 per month.
    Gas/Electricty: about £57 a month.
    Water: About £15 a month.
    Netflix: £7 a month.
    Internet package: £40 a month.
    Mobile: £35 a month
    TV Licence: £12 a month.
    Book for Book Club: £3-10
    Insurance: £25

    Total costs: £746 (although I pay my gas and electric quarterly, my water twice a year, and my insurance annually, so I don't see that every month)

    Weekly Costs:

    Food shop: £20-£30
    Entertainment (Quiz night, book club, occasional cinema trip, takeaway): £10-15
    Lunch/snacks (I usually take a packed lunch, but not 100%): £10

    Total Standard Weekly Costs: £55

    Total Standard Monthly Costs: £966

    Happy with my weekly costs, other than knowing I should be more rigorous about the packed lunch, but my overheads could probably use some examination.
     
  8. silentclock

    silentclock Headmaster DLP Supporter

    Joined:
    May 13, 2010
    Messages:
    1,115
    Location:
    Kentucky
    Louisville, KY, USA

    Lifestyle: I live in a decent apartment in a less than ideal part of town with one roommate. I'm in the process of buying a home right now. I've probably looked at two dozen places over the past month. I eat out pretty regularly because cooking is lame. Public transportation is spotty and smelly, so I drive everywhere. I just bought a new car, the first new vehicle I've ever owned, earlier this year.

    Overheads

    Rent: $400/month (When I buy a house, I anticipate my payment being in the $1000/month neighborhood)

    Electricity: $50/month

    Internet/Cable: $100/month

    Car Payment: $380/month

    Car Insurance: $120/month

    Student Loan Repayment: $200/month

    Parking at work: $90/month

    Total fixed costs: $1,340/month

    Variable costs

    Gas: $20/week

    Groceries: $25/week

    Restaurants: $50/week

    Entertainment (movies, bourbon, etc.): $75/week

    The variable costs are all pretty ... variable. I'm probably way off.
     
  9. EsperJones

    EsperJones Order Member

    Joined:
    Mar 3, 2006
    Messages:
    897
    Location:
    Seattle, WA
    I'm currently in the process of buying a condo as well. Once that closes next week, my mortgage and HOA will be about $3800 a month. I eat out basically every meal.

    Location: Seattle, WA

    Overheads: (all per month)

    Rent/Utlities/Parking: 1-bedroom for $2500 (Going up to $3800 in July.)
    Internet: $60 for gigabit.
    Cell Phone: $70 - $50 paid by work.
    Car insurance: $70

    Variables:
    Food: $900 ($15 lunches and dinners on average. Sometime less sometimes more.)
    Gas: $50
    Entertainment: Highly variable, but as occasional large purchases rather than constant small payments.

    Total: $3650 a month today. $4950 after July.
     
  10. Anya

    Anya Harley Quinn DLP Supporter

    Joined:
    Feb 26, 2008
    Messages:
    787
    Gender:
    Female
    Location:
    Arkham City
    Melbourne, Victoria, Australia

    I live with my best friend and we split utilities.

    Rent: $1266 ($630 each) /month
    Internet: $60 /month
    Electricity: $95 /month
    Gas: $40 /month
    Water: $30 /month
    Netflix: $15 /month
    Line rental: $30 /month

    Now just my expenses.

    Car insurance: $36 /month
    LPG: ~$40 /month
    Petrol: $10 /month (I mostly use LPG but I have to fill up my petrol tank at least a bit)
    Audible: $14 /month
    Patreon: ~$15+ /month
    Google play: $14 /month
    Mobile: $28 /month

    So all up around just a bit over $900 AUD /month. Not including groceries coz idek how much I spent on that.

    I also don't have a job so I have to live pretty cheaply.
     
    Last edited: May 13, 2017
  11. Kurufinwe

    Kurufinwe Groundskeeper

    Joined:
    Nov 6, 2010
    Messages:
    328
    Location:
    Cracow, Poland
    Bialystok, Poland

    Lifestyle: Owning a flat in the centrum of town, everywhere close on foot. I don't go to restaurants at all and live pretty frugally.

    Overheads

    Rent: $100/month

    Electricity & Gas: $35/month

    Water: included in rent also with heating.

    Internet & TV & Phone: $20/month

    Netflix: $5/month

    Mobile Phone: $8/month

    Total fixed costs: $168/month

    I pay a lot less for rent as I own the flat - I have pretty good deal on internet +Tv+landline phone combo and I share netflix account with friends. Mobile phone I pay around 8 bucks and I call,text everywhere in country for free + 10gb mobile internet in price

    Variable costs

    Food shop: $300/month

    Entertainment: $30/month

    Other stuff: cloths, medicine gymetc: 100$/month
    Total living costs monthly: ~600$

    I don't know what are you doing bolko7 that you spend so much in Poland.
     
  12. bolko7

    bolko7 Second Year DLP Supporter

    Joined:
    Jan 7, 2008
    Messages:
    62
    I live in center of Warsaw, living cost here are high but I can get everything I want so I am ok with it.
     
  13. Verovir

    Verovir Disappeared

    Joined:
    Apr 30, 2017
    Messages:
    37
    High Score:
    0
    Whaaat? I pay $25 per month for calling and texting anywhere in my country, with 500 MB of internet.
     
  14. Kurufinwe

    Kurufinwe Groundskeeper

    Joined:
    Nov 6, 2010
    Messages:
    328
    Location:
    Cracow, Poland
    Well it is :) - http://www.gwarancja.t-mobile.pl/ - you can check it yourself - if google translation somehow works on it :) 25 zl for it 1 $ = ~ 3.9 zl

    well it isn't - rent etc things like that are higher but food price is the same in things like biedronka,lidl etc and you pay even 500 euro for food - and 82 euro for phone ?What? Also if you can afford it's okey - i was just shocked I myself think I spend too much especially on food but well I like my chocolate :)
     
  15. bolko7

    bolko7 Second Year DLP Supporter

    Joined:
    Jan 7, 2008
    Messages:
    62
    I do use Biedronka (it is a discount shop) but most of the time I do my shopping in Społem (polish own shop) and at a small market that is close by. I pay a little more then normal but I don't mind cuz I know more money stays in Polish.

    As for the phone bill, I own 4 numbers
    - Privet one - no talked, text and mobile internet limit
    - Business one - no talked, text limit. 10GB for internet
    - GF - no talked, text limit. 10GB for internet
    - Mum - no talked, text limit. 10GB for internet
     
  16. Perspicacity

    Perspicacity High Score: 3,994 Prestige DLP Supporter

    Joined:
    Nov 27, 2007
    Messages:
    587
    Location:
    Elsewhere
    High Score:
    3,994
    It's been decades since I've paid attention to expenses.

    Location is Santa Fe; our mortgage is $4500/mo. Child's school is $22k/yr. Park and ride to work is $170/mo for the two of us. Fencing club dues are $200/mo. I couldn't tell you what we pay or utilities since it's on auto-pay and I can't remember numbers. We've an extenive garden and grow most of our vegetables. Food costs are ignorable past that. Wine/liquor is probably $400/mo. $80/mo for Dishnet. $50/mo. for internet. We manage to save about $80k/yr.
     
    Last edited: May 14, 2017
  17. dhulli

    dhulli The Reborn

    Joined:
    Nov 10, 2013
    Messages:
    241
    I manage to somehow spend around $6.5k per month here in Seattle. No idea where most of the money goes. I'l try to break it down:

    HOA+Mortgage = $1500
    Mercedes loan + insurance + gas = $1200
    Cable, Phone, Other minor bills = $800
    Food = $1000
    The remaining $1500 or so is pure spending I guess.
     
    Last edited: May 14, 2017
  18. Nargles

    Nargles Seventh Year

    Joined:
    Apr 2, 2011
    Messages:
    224
    Location:
    New England
    Boston, Massachusetts

    Lifestyle: I rent an apartment just outside of the city. (Two bedrooms, 1.5 bathrooms, kitchen, dining room, living room, and home office.)


    Rent + Utilities (includes gas, electricity, water, internet, phone, streaming services, and parking): $2500/month. I got lucky with my apartment. I pay about $500 less than I should. It helps that my landlord is a family friend.

    Car insurance + Gas (Car's been payed off): ~$150/month

    Gym: $0/month (Company pays for it. It's about $50/month, I think.)

    Groceries: $400/month (I like to cook.)

    Restaurants: It varies a great deal, but on average $150/month.

    Skydiving: I pay about $30 per jump since I have my own gear. Starting in the spring time I try to squeeze in about 4 to 6 jumps per month.

    Shopping (clothes, books, and other miscellaneous items): ~$200/month

    Total monthly expenses: ~$3600


    I spend about 50% of my yearly income after taxes.
     
  19. Churchey

    Churchey Supreme Mugwump

    Joined:
    Jul 29, 2011
    Messages:
    1,664
    Location:
    Texas
    Dallas TX

    Lifestyle: I own a ~2800sqft home. 3 bedroom 2 bath, most of our square footage is in our kitchen/living/master. I'm in a very nice neighborhood in one of the smallest homes, in a suburb that's ~5-15 minutes from downtown depending on traffic. It's also central to most of the "fun" suburban cities in the DFW metroplex.

    Overheads

    Rent: $1800 for mortage/hoa/pmi/homeowner's insurance/property taxes

    Electricity & Gas: $150

    Water: $60

    Internet: $50 for 50up/50down. I get closer to 25/30 on good days. Only ~7 on wifi. No landline or TV service.

    Phone: $180for 5GB shared and unlimited text/call. We mostly are on wifi networks so we don't need much data. We are paying for our phones through the plan.

    Netflix: $13/month

    Car insurance: $116

    Car Payment: $325 My car is paid off, hers is about a year left. We want to go a few years without a payment before I get a new (used) car. I'm hoping for a jeep.

    Appliance Loan: ~300. We took a 0% interest for 12 months loan to finance new appliances when we bought the house. We could've gotten cheaper things but I'm happy with my nice appliances. We are set to finish payments in June with no interest paid. It's certainly within our means, we just found a good deal on a house before we were really ready to buy, so had to make allowances where I normally wouldn't have.

    Floor payments: ~750. Same thing. We put new engineered wood floors in the entire house, minus the bathrooms. About 2100 sqft total. We had to finance it as we were remodeling everything. It's also a 0% interest loan set to be paid off next February.



    Variable costs

    Food/Groceries: $500/month Probably about 300$ on groceries and 200$ eating out. The eating out is mostly for date nights, as I cook most of my meals.

    Entertainment: $50/month

    Other stuff: $200/month



    Around 4500$/month total expenses.
    Currently our savings rate is well below what I'd like. It's been a very poor year for our savings as we've been constantly renovating, doing projects, furnishing, and purchasing random shit we never needed before owning a home. It's stabilizing more and more as we have mostly finished furnishing and need less and less things for the home, but the list of things still to do (renovate the bonus room, renovate the master bath which is currently not tiled and has no toilet or shower, install new windows, redo landscaping, put a fence in the backyard, put in drainage systems in the backyard, and eventually renovate the kitchen) is long and getting longer.

    On the other hand, next year is looking promising as I'm receiving some large raises, bonuses, and stipends while also paying off 3 separate loans that are monthly expenses I'm happy to say goodbye to.

    We can currently save about 1/4 of our income, but generally end up saving half that in long term savings with about half being put toward ~1-4 year expenses.

    A year ago, living in an apartment, we spent ~1100 on total costs for the apartment, vs the 2800 we are currently spending for floor payment/appliance payment/mortgage and fees.
     
    Last edited: May 14, 2017
  20. Xiph0

    Xiph0 Administrator Admin

    Joined:
    Dec 7, 2005
    Messages:
    8,838
    Gender:
    Male
    Location:
    People's Republic of California
    Far Northern California

    Lifestyle: Water plants, go to work, gym, grocery shop if needed, video game, sleep. See friends on the weekend. Go drink with coworkers from time to time. Live ~15 minutes away from work. Live in a large apartment on my own.

    Overheads

    Rent: 800/mo
    Car: 450/mo
    Car Insurance: 120/mo
    Phone: 45/mo
    Internet: 50/mo
    Utilities: 50/mo usually. Spikes in Summer (60-80) because fuck 110F.
    Gym: 35/mo

    Total fixed costs: 1590 USD/mo

    Variable costs

    Groceries: 40$
    Petrol: 20$ roughly every other week.

    Total variable costs, standard week: 60$/week



    Total living costs monthly: 1830$/mo
     
    Last edited: May 15, 2017