Current Events > Living on your own away from your parents.... it's hard isn't it?

(+) Yeah! (+)

I'm nervous as hell living with my girlfriend in a few weeks

$2700/month for rent and our combined incomes are $90,000/year (before taxes)

and we live in San Francisco of all places

oh lord...
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nope
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yes and no. you will find you always feel broke. there will be stresses you weren't exposed to before. but its manageable and the positive outweighs the negative.
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AzNDarkSamurai posted...

$2700/month for rent

The f--

and we live in San Francisco of all places

...Oh.

not hard at all. at least, it's not hard if you don't have money problems. <_<
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Better than hearing your parents bicker and fight every night.

So easy if you're not a manchild. Did it on a $800-$1000 a month income in LA county when I was 23.

Man that first few months without mom was blissful even though I ate nothing but egg and chicken and slept in a sleeping bag.
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AzNDarkSamurai posted...

I'm nervous as hell living with my girlfriend in a few weeks

$2700/month for rent and our combined incomes are $90,000/year (before taxes)

and we live in San Francisco of all places

oh lord...

You need to GTFO that place. You're renting for like 3 times what I pay for mortgage.
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you should be relatively familiar with "everyday adult activities" like cooking, cleaning up after yourself, doing laundry, etc, right? so really the only addition you have here is the financial responsibility. i understand that can be daunting. if you're nervous about having/saving enough money, make yourself a budget.
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it takes getting used to but in the end it's not that bad once you have a routine going and you have a grasp on the tasks necessary to maintain your household. there will be lots of little everyday activities that need to get done that you may not have always done with your parents, and you'll find out there are a lot of little things you never even considered that have to be done, like changing lightbulbs, buying new hand soap, etc. you'll also feel poor all the time; i never realized how much money I was saving living at home until I moved out and discovered that EVERYTHING in life costs money
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green butter posted...

i never realized how much money I was saving living at home until I moved out and discovered that EVERYTHING in life costs money

yeah, and moving into your own place for the first time has so many expenses you just don't think about, like trash cans, brooms, soap dispensers, kitchen utilities, etc.
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AzNDarkSamurai posted...

our combined incomes are $90,000/year (before taxes)

Nope, you have it pretty easy.
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At least while your parents are alive, you can tell yourself that you've still got a safety net in a worst-case scenario. After they're gone you have to be totally self-reliant, and that's kind of scary too until you get used to it.
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Don't live in the city. Congratulations all your problems are solved
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Asherlee10 posted...

FL81 posted...

AzNDarkSamurai posted...

our combined incomes are $90,000/year (before taxes)

Nope, you have it pretty easy.

I don't know.

After Taxes: That's $681.59 weekly for one person. For both that's $1363.18 weekly or $5452.72/month. Their rent is $2700. That's almost exactly 50% of their income on rent. That is a really bad decision.

This. You either better have a chance of getting a pretty substantial promotion to where you are spending 1/3 to 1/4 on rent soon or you are asking for trouble. I'd look to move somewhere else if gay doesn't happen soon.
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bump
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Mr Sandbag posted...

Asherlee10 posted...

FL81 posted...

AzNDarkSamurai posted...

our combined incomes are $90,000/year (before taxes)

Nope, you have it pretty easy.

I don't know.

After Taxes: That's $681.59 weekly for one person. For both that's $1363.18 weekly or $5452.72/month. Their rent is $2700. That's almost exactly 50% of their income on rent. That is a really bad decision.

This. You either better have a chance of getting a pretty substantial promotion to where you are spending 1/3 to 1/4 on rent soon or you are asking for trouble. I'd look to move somewhere else if gay doesn't happen soon.

Gay is almost guaranteed to happen when you move out of your parents house. I never thought I had need for it but gay happened almost immediately after moving into a house by myself
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Lost_All_Senses posted...

Mr Sandbag posted...

Asherlee10 posted...

FL81 posted...

AzNDarkSamurai posted...

our combined incomes are $90,000/year (before taxes)

Nope, you have it pretty easy.

I don't know.

After Taxes: That's $681.59 weekly for one person. For both that's $1363.18 weekly or $5452.72/month. Their rent is $2700. That's almost exactly 50% of their income on rent. That is a really bad decision.

This. You either better have a chance of getting a pretty substantial promotion to where you are spending 1/3 to 1/4 on rent soon or you are asking for trouble. I'd look to move somewhere else if gay doesn't happen soon.

Gay is almost guaranteed to happen when you move out of your parents house. I never thought I had need for it but gay happened almost immediately after moving into a house by myself

Fucking auto correct has been brutal lately. *that
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Lost_All_Senses posted...

Mr Sandbag posted...

Asherlee10 posted...

FL81 posted...

AzNDarkSamurai posted...

our combined incomes are $90,000/year (before taxes)

Nope, you have it pretty easy.

I don't know.

After Taxes: That's $681.59 weekly for one person. For both that's $1363.18 weekly or $5452.72/month. Their rent is $2700. That's almost exactly 50% of their income on rent. That is a really bad decision.

This. You either better have a chance of getting a pretty substantial promotion to where you are spending 1/3 to 1/4 on rent soon or you are asking for trouble. I'd look to move somewhere else if gay doesn't happen soon.

Gay is almost guaranteed to happen when you move out of your parents house. I never thought I had need for it but gay happened almost immediately after moving into a house by myself

Yeah, having gay happen really does help with your Rent situation.
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Not at all if you know basic adulting
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Mr Sandbag posted...

Lost_All_Senses posted...

Mr Sandbag posted...

Asherlee10 posted...

FL81 posted...

AzNDarkSamurai posted...

our combined incomes are $90,000/year (before taxes)

Nope, you have it pretty easy.

I don't know.

After Taxes: That's $681.59 weekly for one person. For both that's $1363.18 weekly or $5452.72/month. Their rent is $2700. That's almost exactly 50% of their income on rent. That is a really bad decision.

This. You either better have a chance of getting a pretty substantial promotion to where you are spending 1/3 to 1/4 on rent soon or you are asking for trouble. I'd look to move somewhere else if gay doesn't happen soon.

Gay is almost guaranteed to happen when you move out of your parents house. I never thought I had need for it but gay happened almost immediately after moving into a house by myself

Fucking auto correct has been brutal lately. *that

Oh...I made all that stuff up earlier...thems was jokes
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here's a tip

move away from san fracisco

jesus christ i could live in a damn palace for 2700/month lol
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yemmy posted...

here's a tip

move away from san fracisco

jesus christ i could live in a damn palace for 2700/month lol

here's the crazier part

$2700/mo is a bargain for SF

most rents here are $3000+ and up
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Asherlee10 posted...

After Taxes: That's $681.59 weekly for one person.

Even in SF, that's still pretty comfortable living.
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it's sad knowing most people in SF spend a majority of their check on rent
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I Like Toast posted...

Don't live in the city. Congratulations all your problems are solved

Except for the problem of living in a rural area (assuming that's what you mean). Which is 10000000000x worse than living in a city
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KILBOTz posted...

you will find you always feel broke

Do people not know what a budget is?
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my mom is a bitch

for 2 months after grad school i moved home because i couldnt find work and she almost disowned me

Vindris_SNH posted...

KILBOTz posted...

you will find you always feel broke

Do people not know what a budget is?

he's describing a psychological effect. kilbotz is worth quite a lot of money
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Vindris_SNH posted...

KILBOTz posted...

you will find you always feel broke

Do people not know what a budget is?

If you're properly applying a budget, you'll always feel broke because your "fun money" will be used up very quickly.
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AzNDarkSamurai posted...

here's the crazier part

$2700/mo is a bargain for SF

most rents here are $3000+ and up

I'm not shitting you too when I said I could live in a palace too around here, and if I lived out of town in the country I could build a huge house for that much and have a decent amount of land too. You can finance a half-million dollar home for that much, think about that for a second. I mean I know a half-mil doesn't go as far in Cali, but fuck that is a lot to spend on an apartment anywhere IMO.

I know there has to be cheaper rent outside of the city
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I Like Toast posted...

Don't live in the city. Congratulations all your problems are solved

Toast is being rude, but he's right.

Your current situation could possibly be unsustainable. You need to either move away from San Francisco, or make more money.
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Asherlee10 posted...

Vindris_SNH posted...

KILBOTz posted...

you will find you always feel broke

Do people not know what a budget is?

As others described, it doesn't matter. When you budget, there is always a limit to what you will spend any given time. That gives the sensation of feeling broke. "Well, I already spent my allotted $XX on entertainment this month. I have to wait until next month to go see that new movie."

Budgeting gives my money freedom. I know what I must pay for, and I can set aside extra money to do whatever I want. Because of budgeting, I've been able to visit Australia, New Zealand, and Peru, all within the last year, and I don't even make that much money. I have plenty in savings, and emergency fund, and I have retirement accounts.

I feel like 95% of Americans are clueless when it comes to handling money. There's no reason that the average person with an average job shouldn't be able to feel like they have more than enough money, if they're handling it properly.
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Also, I think another part of it is that people need to learn to live within their means.

I drive a 2003 Corolla that I've had for nearly 12 years. My wife drives a 2006 Civic that she got from Craigslist for $3,000. We live in a small apartment. We don't drink Starbucks every day. We don't eat out every day. Too many people are not well disciplined, and are impulsive. Money can go down the drain very quickly if you're not vigilant.
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Asherlee10 posted...

For most people, living on a budget gives you the sensation of feeling broke because money is earmarked.

Budgeting shouldn't make you feel broke. It should make you feel like you have more money, because you know where it's going, and you're keeping yourself from wasting money on stupid crap. A budget allows a person to pinpoint what they really want to spend their money on, get that target in their sights, and then save for it. When you finally are able to purchase whatever it is, it can be very rewarding.

A budget, though restrictive, ultimately leads to financial freedom. And it's a really simple thing to do.

I think maybe the issue is that people are too focused on the here-and-now. They're not looking ahead to the future, where all of their restraint and hard work will pay off. It doesn't even take that long to start reaping the rewards of being frugal for a while.
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Right, my budgeting isn't figuring out what my necessities are and the rest is fun money, its figuring out how much I bring in and where all of it goes. So I have a set amount for the various bullshit I buy, and once my money goes into savings its got to be pretty damned important for me to take it out of savings for other than its intended use, such as when I got pinhole leaks in my plumbing.

Because I account for every dollar I earn and I try to avoid lifestyle creep, I make 6 figures and feel broke all the time. Because I want to buy tons of shit but I "can't". I'd say it's more because I know how to handle money that I feel broke all the time, if I didn't manage my money I could spend willy nilly and not feel broke.
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No.
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This sounds terrible

That's in the ballpark of my mortgage and my household earns a lot more than $90k

Are you saving anything for retirement? For a down payment on a house?

Get out of there imo
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You'll be fine. What the other posters are avoiding is the fact that you don't live in shit stain Nebraska but in fact in San Fransisco, California. You're likely younger and starting your career if you're making about 45k each.
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This is why I left California. You need to make well over $100,000 per year to safely afford rent there.

It's been a breeze for me personally
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