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What amount does your family/self live on?


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Poll: Each year, what are your living costs/wage etc?

Each year, what are your living costs/wage etc?

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#1 cassarilda

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Posted 19 December 2005 - 07:01 PM

Sorry if this has been asked before.. and by no way am I asking people to write down their answers... I am just curious...

We were working out our finances for the next year, and we are poor... I wont say how poor, but we are pretty damn poor... we are students, so people think we dont need much money, but really, it would be nice to actually be able to afford a nice dinner out per month without worrying about it (or even macca's for that matter). sad.gif

Anyhoo... feel free to vote if you want.. like I said, no replies are necessary... just want to see whether we are the minority of the population (of i-do anyway)

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#2 Keir

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Posted 20 December 2005 - 01:59 AM

oh I hear you!
when i was a student, i lived out of home $70 a week board at my sister's house plus food plus bills plus study supplies!
i was so broke!
i stupidly took out a student loan through my austudy to cover costs and i'm still paying that back through tax!
i worked part time as a sports reporter and was a casual at Woolworths as well - but the money just never added up to anything substantial!

Now me and my H2B have a combined income of $120k+ and I don't have to scrimp anymore - but boy I will never forget those days, and know that the job and income I have now is because i was a poor student!

#3 ~MrsB~

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Posted 20 December 2005 - 09:00 AM

I've lived as a student, but not as a student having to pay rent.

I said $35-60k. Reason being, we live in outer suburbs of Sydney, we pay rent (and soon another mortgage, otherwise it would be even higher), we have to pay daycare, I travel over 100k's each day too/from work, we pay tolls and Brendon works in the city.

Otherwise, student days I was living on about $150/week (excl rent and bills) to pay for my travelling to uni (about 80k's too/from), my textbooks, my clothes, my entertainment, savings for a house etc.

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#4 SheikYerbouti

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Posted 20 December 2005 - 09:22 AM

I've often wondered, for those who say $35-60 due to living in outer areas, wouldnt it be cheaper to spend the extra on a closer-to-work house in the inner suburbs? Your rent/mortgage would be more, but the money and time of travelling would be less and that might even it out, or wouldn't it work like that?

#5 ~MrsB~

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Posted 20 December 2005 - 11:47 AM

QUOTE (SheikYerbouti @ Dec 20 2005, 09:22 AM)
I've often wondered, for those who say $35-60 due to living in outer areas, wouldnt it be cheaper to spend the extra on a closer-to-work house in the inner suburbs? Your rent/mortgage would be more, but the money and time of travelling would be less and that might even it out, or wouldn't it work like that?

It depends.... I think it's a bit simplistic to say that.

I couldn't find an equivalent of the house we had in Kellyville for a similar (or reasonable) cost.

4 bedroom house, lounge, family room, study, garage in the suburbs.. vs 2 bedroom apartment in Mascot (same cost equivilent)? No thanks, not with 2 children (or more).

House in somewhere within 30 mins of mascot with 4 bedrooms and garage? Upwards of $600k. I can't justify the extra in mortgage repayments. I am not going to save $150 a week by living in, say, Rockdale than Kellyville. Childcare - same cost, groceries - same cost. Train - same cost. Fuel/tolls? I might save $30 a week. But then it would also cost me more to then visit my family on the weekends because I'm further away from them as well. Yes, I might have a better quality of life, but saving 2 hours of travelling time isn't going to help me find $150 extra for my mortgage!
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Katy
Lachlan 3/8/04
Alannah 12/5/06
William 19/6/07

#6 CookiesandCream

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Posted 20 December 2005 - 11:58 AM

QUOTE (SheikYerbouti @ Dec 20 2005, 09:22 AM)
I've often wondered, for those who say $35-60 due to living in outer areas, wouldnt it be cheaper to spend the extra on a closer-to-work house in the inner suburbs? Your rent/mortgage would be more, but the money and time of travelling would be less and that might even it out, or wouldn't it work like that?

I guess it also depends on the area's you work and where your other half works as well.

If my husband was still at his last job (we know work in the same suburb 15 mins from home so that is simple) where we were paying lots of $$$ per week in travel expenses it would have been cheaper rent / mortgage to live near his work but it would have been a bad area to live in and personally I would rather pay the extra and live in a better area and pay for travel - also I was working (still do) 15mins from job so if we moved to his work area than we would have just been spending that travel $ on getting me to work.
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#7 * Kylie *

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Posted 20 December 2005 - 12:05 PM

I chose the 35 - 60K. I only have to pay a personal loan and credit cards back, and rent. I end up with a pretty good disposable income out of that.

I'm living in Castle Hill(NSW) and don't really want to move closer to the city, I love where I live. I work 15 minutes from where I live so it's great.

I should really save more!
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#8 ~Luna~

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Posted 20 December 2005 - 01:01 PM

We bring over $100k between us. I have no idea where it all goes. We don't have any form of budget and buy whatever we want and go away quite often. We committed ourselves to a second mortgage early this year and are getting married soon so I suppose we really should start being more careful financially. You would think I would have a budget being an accountant and all.

It was hard the first few years when we built our house and I was at uni studying part time, working full time as a trainee accountant (crap wages) and doing part time bar work as well but it was worth it to get to where we are now.
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#9 Em-Jay

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Posted 24 January 2006 - 10:34 AM

I am a student and H2B works full time as a tradesman! So I picked the 35 - 60k option - but we are on the lower end of that scale....... By myself I only earn maybe 7k a year, but H2B and I moved in with his parents so that we could get a handle on our debt, so at the moment we are paying $100 per week for board and food $120 per week for petrol (2 cars), putting $300 per week on the car loan and saving the rest for bills etc.
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#10 kimbalina

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Posted 24 January 2006 - 10:56 AM

It's difficult to say exactly, but we earn somewhere around 76K between us (in yen!)

We have no debts at all, well aside from Ry's Austudy debt, but we'll worry about that when we get home!

Japan is a moderately expensive place to live, but you can eat cheaply if you hunt around. We tend to spend too much on eating out and drinks, etc! And karaoke....

We love travel, so most of our savings tends to go to that, but now we are trying to have a general savings fund AND a travel fund, as we aren't spring chickens anymore.

We have no super to speak of...eek...oh well!

I'd say that we have a very comfy existence all in all, but I remember when we didn't have a brass razoo (like before we came to Japan!)

But Cassarilda, if you have a roof over your head, the internet, and enough food to eat, you are positively rich by the rest of the world's standards.

I read somewhere that 40% of the world's population have never even used a telephone....

food for thought
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#11 Shellbee

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Posted 24 January 2006 - 11:22 AM

We bring in over $80k gross between us - but boy - does it get eaten up. With Hecs, tax, mortgage repayments etc we don't see much of it!

Kimbalina's right though - as long as we can eat and stay sheltered we should be satisfied. Now, if i could only learn to stop wanting ridiculous shoes and other shiny, silly things....

#12 kimbalina

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Posted 24 January 2006 - 11:43 AM

shoes!!! did somebody say shoes....

mmmmmm...shoes......
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#13 carls

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Posted 24 January 2006 - 01:18 PM

We have a combined income of $90,000, we have just done a budget actually and after taking out the mortgage/bills/food we are left with $198 towards the credit card bill and $40 spending money each!!! So until the credit card is paid off, we have pocket money of $40 each!!!

This was hubby's idea in the beginning and I am now happy we have done it, our credit card was going up and up and now we know why!!! Last week was our first week and when I gave Dom his $40 he said - how am I going to pay for golf and the chiro this week!!! - I told him to find a way!!!!

We are in debt and I hate it, but better get used to it!!!! 27 years to go on our mortgage of $2002 / mth.
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#14 scasey77

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Posted 24 January 2006 - 05:55 PM

Our gross wage between us is $130K per year which equates to about $90K after tax.

From this we pay two mortgages (we also pay additional repayments), save money for the wedding and normal living expenses.

When I was a student I used to earn about $6,000 per year from a part time job plus some AUSTUDY.
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#15 Kell

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Posted 24 January 2006 - 06:39 PM

We have only one income (I am a stay at home mum!) and its on the borderline of one of your categories. However, when we were both students we were SOOO poor. We'd make meal plans and often we'd make a roast chicken last 3 nights, and we would have a meal listed as one of those chicken noodle soup packet (30 cents!) with some bread. It SUCKS!!!

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