LIVING OFF A $40,000.00 SALARY--IS IT POSSIBLE?
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Poast new message in this thread
Date: October 6th, 2015 3:50 PM Author: Unhinged potus office
http://money.usnews.com/money/blogs/alpha-consumer/2011/09/22/the-secret-to-living-well-on-40000-a-year
I think the biggest thing I have learned is if broke people are making fun of you and laughing at your ways, then you are doing something right. It was difficult to get mocked when Tracy was working and we chose to live off one salary while others were spending like there was no tomorrow. Many people told me to get off my wallet and spend money.
Pride is sometimes a hard thing to swallow, but I knew that many of these people were not making smart financial decisions and these decisions would eventually come back and hurt them. I don't know if it is unusual advice but, when making financial decisions, you have to do what is right for you and not be influenced by the many temptations that surround us.
(http://www.autoadmit.com/thread.php?thread_id=3010166&forum_id=2#28912412) |
Date: October 6th, 2015 7:04 PM Author: nighttime mustard church
Ramen noodles 24/7
Your tapeworm will LOVE it
(http://www.autoadmit.com/thread.php?thread_id=3010166&forum_id=2#28913686) |
Date: October 9th, 2015 1:26 PM Author: Vibrant pisswyrm crackhouse
It is possible to live on almost literally amount of work income. You just have to dip your standard of living tremendously when it gets to $40K/year. How far people are willing to dip their standards varies from individual to individual, so you'll get a lot of people saying "yeah of course" to people saying "no fucking way"
TL;DR - this is a stupid fucking question.
(http://www.autoadmit.com/thread.php?thread_id=3010166&forum_id=2#28933667) |
Date: November 2nd, 2015 1:05 PM Author: Misanthropic Trip Nursing Home Dog Poop
You can literally survive but the article suggests you can live "well" which is complete flame. If the guy provided a budget whatever point he would be trying to make would be exploited as BS (e.g. they inherited a house with no mortgage).
Just think about it. Net pay married with 4 kids is something like $36k or $3k per month. To live "well" you'd need at least a 3 bedroom place which is going to be at least $1,500 per month in rent for any kind of acceptable town/city. That leaves you with $1,500 to pay utilities, health insurance, car insurance, food, gas, clothing, car payment etc. for 2 adults and 2 kids.
You will survive but on what planet will you "live well"? and forget about enrolling your kids in any activities or saving for retirement, college.
(http://www.autoadmit.com/thread.php?thread_id=3010166&forum_id=2#29094004) |
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Date: November 2nd, 2015 3:31 PM Author: Unhinged potus office
Since there are 12 months in a year, you can estimate the average monthly earnings from your $40,000 salary as $3,333.33 per month. Of course, some months are longer than others, so this is just a rough average. If you get paid biweekly, you may get 2 checks in one month and 3 checks in another, so some calculators look at a month as a 4-week period, with 13 of these periods in a year. In that case, you would be getting $3,076.92 per 4-week period.
What about each week?
Assuming 52 weeks in a year, you would make $769.23 per week. You can check how many weeks in a year to get the exact number.
(http://www.autoadmit.com/thread.php?thread_id=3010166&forum_id=2#29094953) |
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Date: April 9th, 2016 11:18 AM Author: Fiercely-loyal giraffe theatre
It's impossible in a place like NYC unless you're single with 2 roommates.
But $40k is probably what the average family makes in flyover, and they survive. This is around $2500/month in a flyover state (not NYC or CA, etc).
Starting: $2500/month
-$850/month for rent and utilities (http://www.zillow.com/homedetails/2014-Eastview-Ave-Dayton-OH-45405/35091558_zpid/)
-$350/month to lease a Toyota or a Honda + insurance + gas
-$400/month on groceries for a family of 4 (lots of pasta, wonderbead, and bologna; no organic quinoa or saffron for you).
-$200/month for subsidized obamacare insurance
-$300/month for clothing and incidentals
-$200/month for entertainment
=$200 a month in your sad savings account.
(http://www.autoadmit.com/thread.php?thread_id=3010166&forum_id=2#30234736)
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Date: April 9th, 2016 10:28 AM Author: Histrionic state
lol @ the "ELITE" education in this thread.
all u need to know is the annuity and time value of money formulas.
$40k is certainly doable if you pay off the mortgage in 5 years, easily doable with a second income.
(http://www.autoadmit.com/thread.php?thread_id=3010166&forum_id=2#30234591) |
Date: April 11th, 2016 1:07 AM Author: razzmatazz crystalline boistinker
75k debt in political science UG ---> 200k debt for HKS grad degree ---> moves to DC to make 40k a year for a "prestigious" non profit.
Lol just lol. America done here
(http://www.autoadmit.com/thread.php?thread_id=3010166&forum_id=2#30246387) |
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