• mechoman444@lemmy.world
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    1 day ago

    1600 rent. 1000 day care. 1500 car payments. 800 grocery. 200 gas (for cars). Bills 300.

    My fiance and I make around 6k a month and it’s not enough.

    This is insanity even with snap.

    • balance8873@lemmy.myserv.one
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      9 hours ago

      What is up with your car expenses. I literally don’t know of anywhere a family of three could get a 1600 apt (I can’t think of anywhere that gets you a 1bd), let alone anywhere day care is only 1k/mo, but you’re spending 1500 on car payments?

      • Madzielle@lemmy.dbzer0.com
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        8 hours ago

        I remember when I made $2400 post tax a month. My rent was $750 (literally unheard of cheap for a one bedroom in the middle of nowheresville). Easy, except childcare was $950/month for my one toddler. So rent and childcare alone ate 70% of my income. I don’t want to talk about my electric bill because I was drowning, but had no debt, cold showers, but no debt, I’d say to my self on those cold winter mornings.

        I had to steal from peter to pay paul, a lot. Mind you this was back pre pandemic, you could get a beater car for $500-$1000, and I did. Each car I had lasted about a year or two with repairs I could afford before they died.

        I was late on my rent two months in a row, and my slumlord (you ever wake up next to a puddle?) told me, sarcastically, “well, maybe you should find a cheaper place to live”. He knew damn well he owned the cheapest, shittiest apartment in the area. He was a cunt.

        Living somewhere “undesirable” to save a buck is folly.

        • TriplePlaid@lemmy.zip
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          1 day ago

          Even with a car payment being $750/month, that’s a pretty fancy car from my perspective - and represents the average car payment for a new car.

          I think that these folks could keep up with expenses much more easily if a few minor compromises were made (namely, a cheaper car).

          • mechoman444@lemmy.world
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            1 day ago

            I drive 35 to 40k miles a year for my job. I only get new because I’d rather pay and have a driving car than pay and have one in the shop for the same price.

            My car was 40 and full electric so I don’t have to buy gas and my fiance’s car was 25k. Those two car payments and and insurance we pay around 1500 a month.

            But it’s not the cars that’s a problem. I choose that luxury. Be it for practicality or showing off. What I don’t choose is to live ina 600 squarefoot Apartment for a thousand dollars more than it should be. Or daycare for 250 a WEEK!

            Even if I lowered the price of the card for 500 a month, 800 a months it wouldn’t help.