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Living costs: how much do you spend?

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

  1. Joe

    Joe The Reminiscent Exile ~ Prestige ~ DLP Supporter

    Jan 24, 2008
    Canberra, ACT
    High Score:
    After living in a work house on an island for the past seven months, I'm back on mainland Australia.

    Perth, Western Australia:

    Rent: $0 (housesitting for friends until mid-June)
    Booze: $12,000 p/m
    Whores: $14 p/m
    Pizza: $5 Domino's value lunch menu x 30 days a month = $150
  2. Yggur

    Yggur The Chthonic Charon DLP Supporter

    Jan 7, 2008
    Location: Melbourne, VIC AU

    Lifestyle: Single resident in a 2 bed, 1.5 bath, and separate laundry.

    Usually drive to work every day. My car can do about 5 litres/100km on a good day. Somewhat a picky foodie - usually go to the South Melbourne market to get fresh food/veg, opposed to supermarket.
    Also, the rental market in Melbourne is horrific. Anything within about 20km from the CBD is usually way overpriced for what is actually on offer.


    Rent: $1760/month
    Electricity: $70/month - paid quarterly
    Water: n/a - included in rent
    Internet: $60/month for ADSL2+ (~25/5 Mbps) and includes line rental
    Netflix: $12/month
    Phone: $100/month - also includes a tablet w/ SIM card
    Health insurance: $80/month
    Car insurance: $120/month

    Total fixed costs: $2132/month

    Variable costs

    Petrol: $70/month
    Groceries: $200/month
    Wine: $200/month
    Loan repayments: $1000/month
    Patreon: $100/month
    1-2 games per month: $150/month
    New books: $75/months
    Entertainment: $150/month

    Total variable costs: $1745/month

    Total expenditure: $3877/month

    Is this based on Kalgoorlie prices? :awesome
    Last edited: May 15, 2017
  3. Anya

    Anya Harley Quinn DLP Supporter

    Feb 26, 2008
    Arkham City
    ....who are you with?
  4. Sey

    Sey Seyberbully DLP Supporter

    Aug 9, 2016
    High Score:
    umm... wow. That's impressive
  5. Invictus

    Invictus Banned

    Mar 21, 2013
    Cidade Maravilhosa
    That's Straya, mate. You should see the bill when they have Australia day. Now that's impressive.
  6. Skykes

    Skykes Minister of Magic DLP Supporter

    May 14, 2006
    Location: Dublin, Ireland

    Numbers are in Euro


    Rent: Rent: 365 per month- 1100 divided by three residents in a 2 bed apartment(Me, GF, my brother)

    Electricity: 22 euro per month
    Average 200 per quarter(around 22 euro per person per month)

    Cleaning Services: 115 per month - two hours, once per week

    Internet/TV: 32 per month
    95/month for 360 MB(Over Ethernet it maxes out a little over 30 MB a sec)

    Phone: 0
    Job pays for it, decent plan(75 per month)

    Health insurance: 0
    Job pays for it, 140 a month

    Total fixed costs: 534

    Variable costs

    Groceries: 400/month
    Drinks: 200/month
    1-2 games per month: 50-100/month
    Entertainment: 350/month

    Total variable costs: 1150/month

    Total expenditure: 1684/month
  7. Yggur

    Yggur The Chthonic Charon DLP Supporter

    Jan 7, 2008
    TPG, with unlimited data
    I'm reasonably close to the exchange though.
  8. kumakt

    kumakt Squib

    Sep 13, 2013
    Upstate New York
    Location: Rochester, NY

    Occupation: EMT making about $32,000 a year or $2,666 a month. I have a significant amount of savings and investments.

    Lifestyle: I live significantly beyond my apparent means. The main reason that I work isn't because I need the money but because being an EMT will look good on my medical school application. I also genuinely enjoy it and the feeling I get when I save someone's life. I eat out regularly, go to clubs and other social events and drink far too much. I should really spend less but you only live once right?

    I don't own a car. I just ride my bike or walk where I need to go.

    Rent: 2,337/month (1 br, 1 bath in a flashy area)
    Utilities: 180/month
    Netflix: 11/month
    NYT subscription: 28/month
    WSJ subscription: 4/month
    Internet: 35/month
    Food: 300/month
    Luxuries: 150/month (including phone)
    Nights out: 300/month

    Note: this fluctuates widely. This is last month's.

    Total Spending: 3,345/month
    Last edited: May 16, 2017
  9. sollol

    sollol Second Year

    Nov 16, 2014
    I live alone in a single flat, about 45 sqm, simple, but extremely well located, in Berlin (north Schöneberg, not far from Potsdamer Platz, to be excact) I do not own a car and go nearly everywhere with my bicycle, which works well for me. Going by bike during the day is often faster than using a car.

    Rent: 440 € (includes water, heating and most utilities except electricity)
    Electricity: 35 €
    Internet: 29 € (50 000 mBit)
    Mobile: 10 €
    Tablett: 27 €
    Public Television: 17 € (obligatory expense in Germany)
    Newspaper: 45 € (FAZ and Handelsblatt, both digital)
    Insurance for my bike: 12 € (covers mantainance and anti-theft)
    Student loans: 98 €/month

    I spend about...
    140 €/month on groceries
    50 € eating out
    50 € for books, cinema etc
    50-100 € for drinks and going out

    I cannot really estimate how much I spend on clothes and other expenses, as it varies a lot.

    Berlin has the reputation of being an inexpensive city, and although this is changing rapidly, I cannot really argue with that, compared to other German towns like München, Köln, Stuttgart, Freiburg or Hamburg. But reading what some of you are paying for rent in cities like London or Seattle, it is really striking just how big the differences are, though I am aware that wages usually reflect that.
    Last edited: May 16, 2017
  10. Tuiz

    Tuiz Fifth Year

    Apr 20, 2010
    The Reich
    Location Cologne, Germany:

    Rent: 680€/month (53 sqm in the inner city)
    Electricity: 90€/month
    Gas: 40€/month
    Mobile: 30€/month
    Public Television: 17€/month
    Internet+TV: 34€/month
    Groceries & Stuff: 200€/month
    No insurances cause student
    Newspapers for free via scholarship
    Ameneties: 150€/month (although this fluctuates quite a bit)
    Train Expenses: maybe 20€/month (hell yeah Northrhine-Westphalia; gotto love the SPD)

    So total: ~1260€/month (~ $1400/month)

    @sollol: Oh yeah, I used to live and study in Munich before...most of it was rent and then the expenses for groceries and stuff used to be at least x1,5 of what I currently spent.
    Last edited: May 16, 2017
  11. Andrela

    Andrela Plot Bunny DLP Supporter

    Apr 19, 2012
    Ruda Śląska, Poland

    In both PLN and US dollars for Anglos.

    Rent (52 square meters) - 790 PLN / $211 a month.

    Electricity - 115 PLN / $30 a month.

    Internet - 45 PLN / $12 a month.

    Phone - 125 PLN / $33 a month.

    Netflix - 43 PLN / $11

    Total: 1118 PLN / $298.13 a month.

    Considering I earn around 1800 PLN / $480 a month, that leaves 682 PLN / $181 for food, public transport and other random shit.
  12. Norgammon

    Norgammon Squib

    Dec 9, 2009
    Karlsruhe, Germany

    Lifestyle: sharing a new, very nice apartment with my roommate. Eat out rarely, most nights out at student bars or similar, so pretty cheap. Use public transport/walking/bike for all travel.


    Rent: €395/month

    Electricity: €35/month

    Internet: €15/month

    Radio license fee: €9/month

    Phone: €7/month

    Health Insurance: €135/month

    Total fixed costs: €596/month

    All expenses just show my personal portion of the bills/rent (i.e. 1/2). Health insurance is pretty high because I'm forced to use private insurance as I was on my parents private plan for most of my studies (so overall still saved lots of money).

    Variable costs

    Weekly food: €60

    Lunch: €6

    Night out: €20

    Total variable costs, standard week: ~€110

    Total living costs monthly: €706 ($638)

    I'm making ~960€/month so that's pretty comfy for me right now
  13. The Iron Rose

    The Iron Rose Headmaster

    Jan 13, 2012
    United States
    Toronto, ON

    Lifestyle: I have a one bedroom, 350sq ft apartment downtown that I share with my partner and my brother. Rent is $1700 monthly, which we split three ways. Pricey, not a starter apartment, but the great location more than makes up for it. My brother's also moving out in July though, so some costs will go up.

    Shared expenses:
    Rent: $1700/mo, split 3 ways
    Phone: $180/mo for 7 gigs of data (across 2 phones - family plan). Inclusive of a 25% corporate discount. Split 2 ways.
    Internet: $75/mo for unlimited 250 down/50 up. Split 3 ways.
    Utilities: included in rent
    Food: $4-500 a month, split three ways.

    Total shared expenses:

    Personal expenses:
    $600/mo rent
    $90/mo phone
    $30/mo internet
    $160/mo food
    $50/mo transit, taxis, etc
    Total personal expenditures: $930/month

    That's all going to go up in July though, at which point it'll be:

    $900 rent
    $90 phone
    $40 internet
    $200 food
    $50 transit

    So $1280 CAD/mo

    Not cheap, but affordable for the most part. I'm not including variable costs (entertainment mostly?) because, honestly, I can't really be fucked to calculate them properly.

    No loans, no debt outstanding, and I'm excluding contributions to my RRSP (think Canadian Roth IRA), mutual/index funds because they're not really a monthly expense per se.

    Honestly it's mostly sustainable because outside of an admittedly outsized rent, my monthly costs are pretty low. I don't pay for a TV, I don't have expensive hobbies, and utilities are included in the rent which makes up for a lot of it.
  14. Anarchy

    Anarchy Totally Sirius DLP Supporter

    Dec 12, 2009
    north NJ

    Rent: $650/mo
    Student loans: $320/mo
    Car loan: $240/mo
    Car insurance (2 cars): $130/mo
    Utilities: $70/mo
    Gas: $100/mo
    Groceries: $150/mo
    Pizza: $100/mo
    MTG: $40+/mo
  15. Inexistence

    Inexistence Seventh Year

    Jan 3, 2006
    San Francisco
    San Francisco

    Rent: $1450/month for my room in a 2-bedroom apartment. Hate it, but when comparing to the salary for living here, definitely see the value
    Utilities: ~$50/month including internet, water, electricity, etc.
    Phone bill: ~$28/month. On Google Fi, it's like $25/month for plan and taxes, then $10/GB after that, and I only tend to use about 200MB
    Transport: $75/month for a public transport pass

    I don't actually count properly what gets spent on what, but I'm overall reasonably frugal with discretionary spending, do very little eating out, etc. Only thing that really knocks me down is the amount I spend in bars because drinking is very, very fun.

    Overall monthly expenditure is ~$2500
    Last edited: May 23, 2017
  16. The-Hyphenated-One

    The-Hyphenated-One Chief Warlock DLP Supporter

    Sep 5, 2006
    Moving to Seattle proper this weekend, Madrona to be exact.

    3 bedroom 1 bath. Brand new renovation in a nice area. 1500 square feet.

    Rent: 3095/month
    W/S/G 199/month
    Electricity 80/month
    Cable Internet 40/month

    Comes out to about 3400/month split between 3 people. So I'll be paying 1130/month which isn't the best, but overall not too bad.
  17. pbluekan

    pbluekan Headmaster DLP Supporter

    Jan 24, 2014
    Dancing in the Mindfield
    Denver, Colorado

    I live in a fucking studio with my dog. 400sq ft with a 100sq ft balcony. It's effectively just outside of downtown. A bike ride in is like 10 mins, tops. The neighborhood is spectacular though. I live across the street from the governors mansion, and a few blocks from a section of the area called Billionaires Boulevard. Also one of the guys in my building has an i8. He's also an asshole.

    Everything is in dollars because 'Murica.

    Monthly Fixed Costs
    Rent: $1100
    Water: Included
    Sewer: Included
    Trash: Included
    Parking: Included (best part)
    Internet: $60 30/5 and includes 20 tv channels and HBO
    Electricity: $32 average.
    Netflix: $8(split account)
    Health Insurance: $192 (fuck you america)
    Car Insurance: $100
    Phone: $70
    Dog Food: $82.50 (expensive stuff mixed with a medium bag of the mid grade)
    National Geographic: $1 (yeah)
    Amazon Prime: $8.25

    Total: $1653.75

    Monthly Variable Costs:

    Food: $250
    Books: $45
    New Clothes: $60
    Booze: $300 (probably)(this is not me buying booze to drink alone, this is going out to drink)
    Dating: $200 (It's Colorado. Hiking is a valid date. So is skeet shooting. Neither is pricy.)
    Gas: $25 (I barely drive and my car has a 13 gallon tank.)
    Retirement savings: $150 (gotta use that Roth IRA while I can)

    Overall total is $2533, which isn't too bad. I pay for this with a bartending gig and editing college kids' term papers. I wish I had a full one bedroom apartment though.
  18. Giovanni

    Giovanni God of Scotch

    Aug 4, 2005
    Gilligan's Island
    Madison Metro Area, WI

    I live in a large (1600 square feet per side) duplex with my wife and my puppy. It's equidistant from my wife's work and the downtown. The area we live in is a very nice suburb with great schools that are considered among the best in the state, and for some things, the nation. As a result, there is a subdivision of mid-west rich (paupers by the standards of wealthy coastal areas) within 0.25 miles of where I live. My immediate area is ~50% renters though, and is a corresponding mix of working class (usually renters) and their (professional) smalltime landlords happily co-existing (and charging below market rents to keep their long-term tenants.)

    It's a relatively safe area where 90% of the crime is (relatively) harmless property crime committed by bored teenagers who are acting out because they got a B on their last report card so didn't get whatever stupid teenager thing straight A's would have bought them. It's also the type of community where, when I catch them throwing trash on my lawn while waiting for the bus, their parents will discipline them (unless they're from the 'rich' subdivision, then it's 50-50.)

    My expenses are in for a rather dramatic change or three in the next month or so (refinancing a mortgage, attempting to take out an additional 1.3 million in debt for a new property acquisition, etc) so a lot of this will be ballpark. I usually entertain large groups of friends and political associates over one to two weekends per month and have smaller gatherings 2-3 nights per week. The money adds up at a not insubstantial rate, but I enjoy it and prefer it to going out. Otherwise, aside from hiking when weather permits and the very occasional weekend away and show, I don't do as much culturally as I was used to on the East coast.

    Monthly Fixed Costs

    Primary Residence Mortgage escrow incl property tax: 1344
    Primary Residence Insurance: 100
    Investment Mortgage: 1360 (will be 1025 after refinance drops interest rate)
    Investment Property Tax: $250
    Investment Insurance: 200
    Investment Management Fee: $151.6
    Investment Incidental Expenditures: 100
    Routine Prop Cap-Ex (both): 1,000
    Investment Utils: 37.8
    Primary Utils: 10
    Internet: 40
    Electricity: $80
    Health Insurance: $50 (insurance is heavily subsidized by wife's work)
    Pet Insurance: $65 (sadly, this is not subsidized by wife's work)
    Heat/Cooling: 150 (need to replace 50 year old windows)
    Car Insurance: $125 (I speed, it's efficient.)
    Dog Food: 40
    Emergency/Refinance/New Property Acquisition Fund: $1000 (I should really have these as distinct accounts, but it's not worth the headache)

    If the partnership successfully acquires the asset we're offering on add:

    Mortgage: 1,256
    Investment Property Tax: $250
    Investment Insurance: 200
    Investment Management Fee: $151.6
    Investment Incidental Expenditures: 100
    Routine Prop Cap-Ex: 1,000 (for one year before drops to 200 for subsequent)
    Structural Repairs: One month of 50-80k, followed by many months of 0.

    Total (without new asset): $6014
    Total (with new asset): $8182 - $8982

    Monthly Variable Costs:

    Food: 400-600
    Coffee: 80
    Amazon: $60
    Booze: 300
    Travel: 400
    Gas: 100
    Entertaining: 600
    Bills Beyond Insurance: 0-125
    Fun Fund: 200
    Fucking Sweet Building Materials: 100
    Political Donations: 25-75

    Variable Costs: 2265 - 2640

    Total: 8279 - 8654
    Total (if acquisition succeeds): Add 2900 - 3700.

    Rental income, political nonsense, and the extremely lucrative resale of building materials I acquire but do not use subsidize my lifestyle (seriously, when you're buying at 2-10 cents on the dollar, it's nearly impossible not to make money.) I'm going to have to make some changes to the discretionary budget sometime in the next year or two if wife and I are successful in having planned child #1. I am not a fan of the timing, given that my partnership is on the market for a new property, but such is life.
    Last edited: Jun 16, 2017
  19. Taure

    Taure Magical Core Enthusiast ~ Prestige ~ DLP Supporter

    Mar 5, 2006
    United Kingdom
    High Score:
    So, resurrecting this thread as, now that I live in London, I thought it would be interesting to compare my previous living costs in Manchester to London. Lifestyle has been maintained more or less the same as before: sharing an apartment with 2 others in a decent area, eating out frequently but not having big nights out, heavy use of public transport/walking.

    London vs Manchester, England


    Rent: £750/month (Manchester: £350)

    Electricity & Gas: £16/month (Manchester: £24/month)

    Water: Included in rent (Manchester: £15/month)

    Internet: £8/month (Manchester: £11/month, but for much better internet)

    TV licence: £4/month

    Council tax: Included in rent (Manchester: £39/month)

    Netflix: £7/month

    Phone: £25/month

    Cleaner, once a week: £30/month (Manchester: £0/month)

    Charity donation: £10/month (Manchester: £0/month)

    Gym: £78/month (Manchester: ~£25/month)

    Total fixed costs: £928/month (Manchester: £500/month)

    All expenses just show my personal portion of the bills/rent (i.e. 1/3). As can be seen London is significantly more expensive, though lifestyle has gone up somewhat (cleaner, nicer gym). Pension, private health insurance, and private dental insurance are deducted pre-tax so don't show up here but I didn't have those in Manchester either. No car.

    Variable costs

    Lunch at work: £100/month

    Week day dinners: £110/month

    Other groceries: £40/month

    Restaurant food: £120/month

    (Total food: £370/month)

    Spanish classes: £112/month

    Misc costs: £100/month

    Total variable costs: £582/month (Manchester: £480/month)

    Total living costs: £1510/month (Manchester: £955)
  20. Agent Zero

    Agent Zero Groundskeeper DLP Supporter

    Jun 2, 2016
    High Score:
    Just moved into a House Share in Bedford. I briefly considered going for a mortgage but realised that in combination with my meager salary, the hosuing market would kill me.

    Bedford, 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.


    Rent: £350/month (All Bills included)

    Phone: £20/month

    Car Insurance: £200

    Plex Pass: £5/month

    Google Drive: £7/month

    Usenet Server: £6/month

    Dedicated Server: £11/month

    Parents Line Rental+Broadband+TV: £55 a month (Stuck in a contract for another 12 months).

    Total fixed costs: £654/month

    Variable costs

    Monthly food shop: ~£100

    Monthly Fuel for Work: ~£100

    Eating out/Leisure with friends: ~£50

    Total variable costs, standard month: ~£250

    Total living costs monthly: £904

    It's my first year driving so my insurance is quite high. Depending on what it is next year, I might shelf the car altogether.