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How much money do you have left over at bills are paid

lickalot

I earn 45K. Mortgage is 540 a month. I drive a 1500 euro car which drives perfect.

I'm single and after my bills are paid i have 2300(Excluding electric, fuel, food) left over to do whatever I please with for the month.

I travel all over the world whenever I can and been to 34 different countries.

I love my life.

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CBear1993

OMM 0000 wrote: »

Well, what's your age and education?

If you're in your 20s and on 95k you're doing very well financially.

A huge mortgage and BMW doesn't give you class, but as a single guy on a 95k wage you can probably live in a working class neighbourhood or get a small apartment in a middle class neighbourhood.

I sense you're out of touch with how much people earn.

Who do you know on 95K in their 20s? As someone in that age bracket I know of no one. You’d either want to have a family inherited business that fell into your lap, or seriously advanced / ahead of your time and climbed the ladder fierce quickly?
It’s bound to be a seriously small percentage

Paul_Mc1988

CBear1993 wrote: »

Who do you know on 95K in their 20s? As someone in that age bracket I know of no one. You’d either want to have a family inherited business that fell into your lap, or seriously advanced / ahead of your time and climbed the ladder fierce quickly?
It’s bound to be a seriously small percentage

If your fresh out of college with an engineering degree and take a job with intel as a technician you can earn that after 6 years if your motived. Most techs on 80k + all in out there.

Paul_Mc1988

CBear1993 wrote: »

Who do you know on 95K in their 20s? As someone in that age bracket I know of no one. You’d either want to have a family inherited business that fell into your lap, or seriously advanced / ahead of your time and climbed the ladder fierce quickly?
It’s bound to be a seriously small percentage

If your fresh out of college with an engineering degree and take a job with intel as a technician you can earn that after 6 years if your motived. Most techs on 80k + all in out there.

gogo

My father always said.....

Someone who talks about their money, shows you their money, in reality, probably has very little money ...

pgj2015

Leg End Reject wrote: »

I see lickalot has left the building, no doubt off to spend more money.

Probably off to get some heroin.

Top chief

lickalot wrote: »

I earn 45K. Mortgage is 540 a month. I drive a 1500 euro car which drives perfect.

I'm single and after my bills are paid i have 2300(Excluding electric, fuel, food) left over to do whatever I please with for the month.

I travel all over the world whenever I can and been to 34 different countries.

I love my life.

As long as you love your life and are happy . travelling is great one of the best things to spend money on . Your mortgage is very cheap fair play . I'm only starting to save for a mortgage now in my late 20s.
no problem having a car worth 1500 once your happy with it , my car is 15k but I did trade my last car in so didnt pay to much towards it .

45k is a decent salary but key point is tax not much after that all well and good saying I make 60k or 90k but what it is after tax is what's important. I make 4,800 a month after tax is gone and I do work hard for it .

ILoveYourVibes

Man with broke phone wrote: »

I used to ask myself this question, then I realised that until my BMI was absolutely perfect I couldn't enjoy myself no matter what I had. I lost a pound to get my BMI right in the middle of perfect and life changed for me within hours. It's been a constant hill climb but my hill has no top. I'm earning 4 times what I was earning when I had my epiphany and now dont even count money, I just spend it as I please. Houses paid for. Tenants happy out. I'm home a few weeks and have started getting involved in community work. That's like money for the soul, it's the real payment.

least you are not fat

OMM 0000

CBear1993 wrote: »

Who do you know on 95K in their 20s? As someone in that age bracket I know of no one. You’d either want to have a family inherited business that fell into your lap, or seriously advanced / ahead of your time and climbed the ladder fierce quickly?
It’s bound to be a seriously small percentage

I know a few. Many of my colleagues, a few family members, me.

It's not abnormal.

But my point was if you're going to come to boards with the purpose of bragging about your income, you should have something to brag about rather than being lower middle class.

2011

lickalot wrote: »

I earn 45K. Mortgage is 540 a month. I drive a 1500 euro car which drives perfect.

I'm single and after my bills are paid i have 2300(Excluding electric, fuel, food) left over to do whatever I please with for the month.

I travel all over the world whenever I can and been to 34 different countries.

I love my life.

It would make sense to increase the mortgage repayments.

I have always found that people who try to impress others with their financial status have issues, often money related.

TheMilkyPirate

OMM 0000 wrote: »

I know a few. Many of my colleagues, a few family members, me.

It's not abnormal.

But my point was if you're going to come to boards with the purpose of bragging about your income, you should have something to brag about rather than being lower middle class.

You sound like a right knob tbf. OP said he was happy and travels a lot, sounds like a great life to me.

CBear1993

Paul_Mc1988 wrote: »

If your fresh out of college with an engineering degree and take a job with intel as a technician you can earn that after 6 years if your motived. Most techs on 80k + all in out there.

Engineering - what would their role be, a technician for what? That’s very interesting...

CBear1993

OMM 0000 wrote: »

I know a few. Many of my colleagues, a few family members, me.

It's not abnormal.

But my point was if you're going to come to boards with the purpose of bragging about your income, you should have something to brag about rather than being lower middle class.

What do you and they do? Engineers/technicians as well?

[Deleted User]

OMM 0000 wrote: »

But my point was if you're going to come to boards with the purpose of bragging about your income, you should have something to brag about rather than being lower middle class.

I don't see it as bragging about his income, this type of thread comes up regularly on Boards.

Wanderer78

lickalot wrote:

I love my life.

Best of luck with it, enjoy it while you can, life has a strange way of changing, unexpectedly

Tokyo

I spent a lot of money on booze, birds and fast cars. The rest I just squandered.

McCrack

mike_ie wrote: »

I spent a lot of money on booze, birds and fast cars. The rest I just squandered.

Original

2011

Paul_Mc1988 wrote: »

If your fresh out of college with an engineering degree and take a job with intel as a technician you can earn that after 6 years if your motived. Most techs on 80k + all in out there.

Not quite, I worked on a project in Intel (but not for Intel) for a period of time and the salaries in the link seem accurate. There are some perks and extra money can be earned by doing overtime, but to say most technicians are on €80k + is highly inaccurate.

Wanderer78

2011 wrote:

I worked on a project in Intel (but not for Intel) for a period of time and the salaries in the link seem accurate.

Horrible working environment I'm told, usual American corporation bollocks

CBear1993

Yeah most lads I know won’t touch intel with a barge pole on the project works. “State prison/ant farm” are the words regularly thrown around.

Wanderer78

CBear1993 wrote:

Yeah most lads I know wonâ€™t touch intel with a barge pole on the project works. â€œState prison/ant farmâ€ are the words regularly thrown around.

Cut throat I'm told, fcuk everyone over, threat everyone like sh!t

Tokyo

McCrack wrote: »

Original

Edgy retort there. :rolleyes:

I make less now than I did as an engineer in Europe, but due to cost of living expenses where I live and the fact that I'm not supporting a family, my disposable income is now far greater. I can usually put away 90% of my monthly income, sometimes higher, depending on per diem payments.

Wanderer78

mike_ie wrote:

I make less now than I did as an engineer in Europe, but due to cost of living expenses where I live and the fact that I'm not supporting a family, my disposable income is now far greater. I can usually put away 90% of my monthly income, sometimes higher, depending on per diem payments.

Holy crap, 90%, I'd love that, fair play to you

facehugger99

The time I had the most disposable after-expenses income was when I was just out of college. I worked in London and I used to get paid £100 a day, 6 days a week. This was in the late-90s.

I was living in an old house with 4 other lads in a dodgy area of NW London. We were all still living like students, other than a weekly tube ticket we spent feck all. Even when we were heading out we used to drink a load of cans before hand in the house before we hit the pubs and clubs.

We did our weekly shopping in Budgens FFS!

I had more money at the end of the week than I knew what to do with. After living a student lifestyle for 4 years, I literally couldn't couldn't conceive of how I would go about spending that much money.

Those 12 months were brilliant. I thought I was just starting out, but in reality I had hit my peak - it was all downhill after this in terms of disposable income. Your lifestyle just expands to suck up the available resources.

king_of_mayo

I include savings/pension as "bills" i.e. pay yourself first and all that. Usually at the end of the month, there's a few hundred quid above the "float" and I shove that all in the pension.

OMM 0000

TheMilkyPirate wrote: »

You sound like a right knob tbf. OP said he was happy and travels a lot, sounds like a great life to me.

People you disagree with are knobs?

Are you sure you're not the knob?

CBear1993 wrote: »

What do you and they do? Engineers/technicians as well?

IT, management, medical, engineering, banking.

TheMilkyPirate

OMM 0000 wrote: »

People you disagree with are knobs?

Are you sure you're not the knob?

No, People who put down other people for no reason calling their house car and job **** are knobs.

screamer

Who care, we’re all different at different stages of life with various financial commitments to service. So long as you have enough to feel like you’re not working for nothing, that’s all that matters. Some spend it on travel/ cars/ clothing others save it. We’re all different so this general question will only serve to make some people feel inferior and others superior.

[Deleted User]

OMM 0000 wrote: »

People you disagree with are knobs?

Are you sure you're not the knob?

I think it's pretty obvious how the OP took your response.

pgj2015

facehugger99 wrote: »

The time I had the most disposable after-expenses income was when I was just out of college. I worked in London and I used to get paid £100 a day, 6 days a week. This was in the late-90s.

I was living in an old house with 4 other lads in a dodgy area of NW London. We were all still living like students, other than a weekly tube ticket we spent feck all. Even when we were heading out we used to drink a load of cans before hand in the house before we hit the pubs and clubs.

We did our weekly shopping in Budgens FFS!

I had more money at the end of the week than I knew what to do with. After living a student lifestyle for 4 years, I literally couldn't couldn't conceive of how I would go about spending that much money.

Those 12 months were brilliant. I thought I was just starting out, but in reality I had hit my peak - it was all downhill after this in terms of disposable income. Your lifestyle just expands to suck up the available resources.

It doesn't have to. say you are on 25,000 a year, you drive a car worth 5,000, spend 1,000 per month rent, go on a holiday at a cost of 2,000 all in. save a little.
Then after a few years you are on 50,000. chances are you now drive a car worth 20,000 or more, live in a nicer house, pay higher rent or mortgage, go on more expensive holidays. That is what most people do but you don't have to. The 5,000 euro car was fine, the other place you rented was fine as well and so were the cheaper holidays.

Astro127

OMM 0000 wrote: »

People you disagree with are knobs?

Are you sure you're not the knob?

IT, management, medical, engineering, banking.

So all jobs you need to make 95k from are ones you have to go college for 5+ years from or be in management that would take 10+ years to get to . Seems like all stressful jobs with long hours prob work 60+ a week to make that .

You can make that money from jobs you dont need a degree for or have something on the side you get cash in hand tax free. All depends how stressful it is and can you actually have a life and not just work work work.