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 What's your monthly expenses?

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Posted on 08-23-22 8:02 AM     Reply [Subscribe]
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$7000/monthly to feed family of 5 including all mortgage/bills/debts. I am hardly saving on my 135k income.
 
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Posted on 08-23-22 3:35 PM     [Snapshot: 265]     Reply [Subscribe]
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Yep: tell him you drive Lexus RX 350.
Why you want to know which car/suv he is driving?

गुल्लडे गालि गलौज गर्न साझा छिर्ने गर्छस ? एकै जानाको पछि लाग्नाको कारण है "बाउको जार" ठानेर हो ? नत्र ७/२४ गोठालो लाग्नु पर्ने थिएन | अरु कुनै कारण छ भने पोखी हाल |
Acting as an Astrologer,  telling 2900 is not a bad mortgage amount , now you are acting like an FINANCIAL ADVISOR.
You should start a business " Janma Kundali", Indians believe it very much. It will be a money minting business and you will have cash business.
Last edited: 24-Aug-22 08:31 AM

 
Posted on 08-23-22 7:41 PM     [Snapshot: 356]     Reply [Subscribe]
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I feel for you my friend. 135k is not a lot of money nowadays especially since it sounds like gross income. I am surprised you get paid 7k after taxes and retirement contributions and other charges.

Below 200k is hard to provide for a family of 4. So 5 will be even harder.
 
Posted on 08-24-22 3:12 AM     [Snapshot: 467]     Reply [Subscribe]
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@chicagaon. do nepalese make 200K per year in USA? Even if 2 earn, it's a lot of money? The avg salary seems to be around 60-70-80?
 
Posted on 08-24-22 7:54 AM     [Snapshot: 501]     Reply [Subscribe]
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I don’t know who makes what and the cost of living does not discriminate whether Nepali or non Nepali. All I am saying is below 200 k gross income for a family of 5 is tough in places like New York and with the rising inflation
 
Posted on 08-24-22 9:29 AM     [Snapshot: 544]     Reply [Subscribe]
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Chicago is correct ! 200k just gives OK to good life for 4 people in the US. Add 50k for every added family on top.

If you earn less than than that your life is just like sramik in khadi muluk. Earn here go nepal ,convert in nepali rupees n enjoy
 
Posted on 08-25-22 1:13 PM     [Snapshot: 719]     Reply [Subscribe]
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हिसाब किताब :
अमेरिका बसाइको लागि कति कमाइ हुनु पर्छ मा 200K को कुरा सिकागो ब्रो ले गर्नु भयो र अर्को गोल्ज्याङ्घ काम धाम छैन रिसेसन आओस , 1M का घर हरु 0.8 म मा झरे क़ुइन्समा किन्ने बिचार पोख्छन | ससुरालीको बास छ कि क्या हो, सित्तैको बसाइ , खर्च सुन्य अनि सधै नगदी जत्तिको त्यत्तिनै बरु ब्याज ले मासिक २ / ४ डलर बढ्ला ? भटमास चपाएर अरुलाई चै काजु खाएको देखाउने जस्तै गर्यौ |

Do you believe it ?
https://www.youtube.com/watch?v=5XRqPXPwArI
Last edited: 25-Aug-22 01:42 PM

 
Posted on 08-25-22 3:24 PM     [Snapshot: 784]     Reply [Subscribe]
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Logan , ta jasto kaam nai nagari , sasurali ley deko 1995 ko thotro gadi chadera hidne hali ho ra . 7 pusta byapari . Kaam nai nagari 10 barsa amrika ghumera khane paisa liyera aayeko chu .. chicagoan ley 200 k bhanda pagal jhandai behos bhako ..


 
Loganbennedictboka76
Posted on 08-25-22 4:48 PM     [Snapshot: 816]     Reply [Subscribe]
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बाउ को जार लोगन
 
Posted on 08-25-22 7:26 PM     [Snapshot: 858]     Reply [Subscribe]
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He hantakaale praaibhet school gaako hun bhani cheerne ra chhaadne gari karaias jaatho 2005 ko Camry laai ajhai 1995 ko bhnaer marchha | hooin talaai hisaab kitaab bhaneko kun chariko naam ho bhanchhas jasto chha | feri praathamik school gaer gananaa sik .

tero baau badri prasaad daahaal aka prachanD ho bhane lyaaiis holaa ? tar kin colomibia hundai chhiris ta amerikaa ? visa napaaer hunu parchha ?
Hoin ta KaTTel kai naati hos , hajurabaaule sottar sohorna lagaaeko ajhai birsieko chhainas |


 
Loganbennedictboka76
Posted on 08-26-22 1:50 AM     [Snapshot: 939]     Reply [Subscribe]
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Tera bau visa lerai aako ho 2015 ko january ma.
Ta paagal chai paagal nai hosh tara Kasto paagal ra kun category ko paagal hosh bhanni kura ma bujhdai chhu.
 
Posted on 08-26-22 8:04 AM     [Snapshot: 989]     Reply [Subscribe]
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jabaaf eutaalaai dieko chha arko[Disallowed String for - use not allowed] dwaangre bukna ra tokna aauchha
Teri aamaalaai thaahaa chha ma ko hu bhaner ?
जुन गधा लाइ आफ्नो परिश्रमको महत्व बुझेको छैन , १० पुस्ते सम्पति को धाक दीई  काम धाम छैन भन्दै बस्ने धर्तीका बोझ हुन् |
Last edited: 26-Aug-22 08:20 AM

 
Posted on 08-26-22 4:33 PM     [Snapshot: 1075]     Reply [Subscribe]
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१३५K स्यालरी भनेको साधारण काम हैन। घण्टाको $83.88 !! भन्नुस् कती आम नेपालीले घण्टाको $80 भन्दा माथि कमाउछन ल। हर्क साम्पङले भनेको कुरा सही हो। ओभर १००K नेपालीले कमाउन्नन भनेको हैन, त्यहा पुग्ने मान्छेले यस्तो प्रश्न सोधेको चै इलजिकल नै छ, खैर अब फ्लेक्सिङ गरेको हो के हो, भगवान जानुन। अब सबै ५-५ जना तपाईंकै इनकममा डीपेन्डेन्ट त? ५ जनामा अरु कोही काम नगर्ने, घर बसी बसी खाने मात्र? कि श्वासनी बाहेक ३-३ जना टीन एजर बच्चा छन भन्नुभको?

एनिवे भारी जी, तपाईंको नाम सुनेर चै मेरो पहिलो क्रश याद आयो भनौ, लोल। कोही थिई, पछाडिको थर चै "भारी" थियो। कलेज पढ्दा मनमा उकुसमुकुस भको थियो, तर दुई बर्ष नसक्दै मोरिले आफुलाई स्कुलहुँदा ट्युशन पढाउने टिचरसँग भागी र फेरी अर्को बर्ष रिपिट गरेर पढ्न आकी थी। मनमा झन ठुलो ध्याङ्रो नी, अजीप त तेती खेर भो, जब मोरीले भुँडी बोकेर कलेज पढ्न आईन। लोल। अहिले सम्झँदा यतिकै...

खैर।

 
Posted on 08-26-22 6:46 PM     [Snapshot: 1115]     Reply [Subscribe]
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I think the writer has 3 kids n his wife has to look after kids so he only bread earner. Its. It dfficult with that mo ey but noe enough to have a better life
 
Posted on 08-26-22 7:55 PM     [Snapshot: 1141]     Reply [Subscribe]
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I am barely saving anything with around 300k ( gross two person income ) even though I live in Texas . And also no car payments, we both drive little older cars which are paid off .

Not sure what we are doing wrong , but we do have some fair expense on child care and kids activities.
 
Loganbennedictboka76
Posted on 08-26-22 8:14 PM     [Snapshot: 1154]     Reply [Subscribe]
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What a joke Meraj.
 
Posted on 08-26-22 8:26 PM     [Snapshot: 1152]     Reply [Subscribe]
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I may be ignorant in many areas, I don't deny. I am just writing some simple logic that I understand. I have never been to Texas, so I do not know how is the living cost and other expenses out there. The only thing I do sometimes is to check the minimum wage in different states. So this is what I found by simple googling.

Minimum wage in MA in 2022:- $14.25 per hour
Minimum wage in Texas in 2022:- $7.25 per hour

I understand the minimum wage says something about the living cost and other expenses in places like Texas and MA itself, right?

So if somebody is making $150,000 per year in MA and if somebody is making the same in Texas, what can we infer? It is a great amount of money in MA already. But in Texas, it should be the sure shot way to live the coveted American dream right? I don't understand how people come here and still say with $300,000 yearly the combined income, they still are facing hard time to save?
Am I missing something? Please somebody explain. Kindly. I feel I am lost here.

 
Posted on 08-27-22 9:51 AM     [Snapshot: 1286]     Reply [Subscribe]
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That minimum wage thing is grossly misleading, specially for major metro area. Not denying the fact Texas is probably still cheaper for any things compared to other blue state and it’s tax free, but property tax are super high to cover lack of state tax. Housing is fairly expensive compared to what it used to be in area with decent schools.

I don’t think I am struggling and probably living decent life , but saving is some thing I am not able to do much of it. Saying that we do max contribution on 401k, so that’s around 50k per year of saving , I guess if market doesn’t screw us up. After that other cash saving are hard to come by for us. May be it’s on us to reevaluate how we spend money and correct some of our habits.

We also had almost 32k ( 16 k each, approx 1300/month/per kiddo) a year child care expenses for last several years , which is slowly coming down now.
 
Posted on 08-27-22 11:05 AM     [Snapshot: 1318]     Reply [Subscribe]
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KY
I bring home 7K after tax
My GF brings 2K after tax
Expenses- 1400
 
Posted on 08-28-22 9:45 AM     [Snapshot: 1494]     Reply [Subscribe]
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Well meraj,
Thanks for the explanation. Usually people are engaged in some frivolous chat here in Sajha, but good to hear out some insights from people who know what they are talking about.
I was of idea that houses are so cheap in Texas, that people in MA can easily afford them there, buy businesses like gas stations, stores etc. and make an easy move out there, but maybe not.
You said there is 50K per year of saving in 401k then, I believe your maximum investment whatever is already taken care of, then it is understandable you are not seeing money stay in your case even with 300K earning together. I can foresee a comfortable retirement coming up when children are all grown up and move out of the house. And I assume, you have a house bought, then we cannot forget the equity that is building up too right? And once kids grow up, your expense will go away but yes then when they start going college, your another nightmare will start most probably unless they get a full ride through their college. So you have money building up in the form of invisible asset. I take it as a good thing, because with visible asset, we have inclinations to misuse, which in your case is unlikely to happen.

I recommend you and Bhari to follow this guy, Dave Ramsey. Most likely you know about him. I do not agree with him all the time, but his ideas to save money are worth following and giving a listen. I used to listen to him ("Save that every dollar" the name of the program) while I was in college on a radio, then I traced him back much later again and found him on Youtube. He is still at his mission to help people manage their money. Basically what he says is we live like the poorest people on earth, start living on rice and beans, no night outs, pay everything by cash, throw away all the credit cards, etc. His baby steps to build wealth are something to look out for. He is a staunch Christian so talks about giving all the money back to the community once we build it, which I am not sure about. Sometimes he goes off the tangent talking about politics and rich states, poor states, lottery and what not. Just now he expressed his strong displeasure on how Biden cancelled the $10,000 to $20,000 student loan starting next year. One thing he does commendable is he keeps talking about he instilled these values in his children to not be dependent on his money he built, but go out and make your own money yourself. This thing I do not know, if we as Nepalese can really implement like him.
Still try listening his ranting and all sorts of people calling up with all sorts of weird, bizarre scenarios they are stuck in. A lot of times I had found myself eyes rolling...lol.

https://youtu.be/w_RKtck8XCA

 
Posted on 08-29-22 2:36 PM     [Snapshot: 1771]     Reply [Subscribe]
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बल्ल आज चै यसको हिसाब मिल्न गयो | नत्र २००५ को गाडि बेचेको कुरालाइ १९९५ मा यसको दिमाग अड्किएको अड्किएकै छ | गतिलै चिना हेर्न जान्यो किनकी धागो खोल्नेले ५ जनाको परिवार भनि सकेका छन् |
" I think the writer has 3 kids n his wife has to look after kids so he only bread earner. Its. It dfficult with that mo ey but noe enough to have a better life" यो मेरो अग्रेजी होईन है | प्राइभेट स्कुल जानेले लेखेको कपि पेस्ट गरेको मात्र हु |


 



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