Guide to Living on $1400 a Month

[Underbheit]

People seem to have a strange concept of money, and in another thread people had a hard time believing I lived on my own for 2 years on only $1400 a month, so I decided to make this post to show people how to live on a budget.

I moved out of my parents house when I graduated high school at 18, I had a decent job making $1400 a month after taxes. I owned a Honda that was paid off already, no need for a car payment at 18.

Here is a Breakdown of my Expenses:

1bd Apartment Rent - $410
Electricty - $40-$60
Cable/Internet - $80
Gas - $100
Cell Phone $60
Liability Car Insurance - $75
Food - $120-$150

Total: ~$935/month in Expenses

I had over $400 a month for a "entertainment" budget, most of the time I put money in savings, bought new clothes, or bought weed/beer with my leftover cash.

Sure this may not be possible in states like CA and NY, but there is no excuse for anyone not to be able to learn to budget their money.

[frankky4fingers]

wtf is the point of starting another thread with this garbage? who cares? i rather have savings and more than 1400 a month you bitch

[-Brainiac-]

Put it all on red , doubled up now you have $2800

[LI_DSM]

People seem to have a strange concept of money, and in another thread people had a hard time believing I lived on my own for 2 years on only $1400 a month, so I decided to make this post to show people how to live on a budget.

I moved out of my parents house when I graduated high school at 18, I had a decent job making $1400 a month after taxes. I owned a Honda that was paid off already, no need for a car payment at 18.

Here is a Breakdown of my Expenses:

1bd Apartment Rent - $410
Electricty - $40-$60
Cable/Internet - $80
Gas - $100
Cell Phone $60
Liability Car Insurance - $75
Food - $120-$150

Total: ~$935/month in Expenses

I had over $400 a month for a "entertainment" budget, most of the time I put money in savings, bought new clothes, or bought weed/beer with my leftover cash.

Sure this may not be possible in states like CA and NY, but there is no excuse for anyone not to be able to learn to budget their money.

i live in NY...this is not possible

[Underbheit]

wtf is the point of starting another thread with this garbage? who cares? i rather have savings and more than 1400 a month you bitch

Because my other thread is about moving to CA, not about my money, retard.

[Oreos_With_Milk]

It's entirely possible. You could even cut those costs down a bit.

Yes, you can do it in places like NY, but you'll be living in a very urban neighborhood. The goverment also provides aid to those who make under a certain amount of money. The programs are out there, you just need to know how to take advantage of them.

[Dysfunqtional]

i live in NY...this is not possible

move somewhere that doesnt suck, the amount people pay to live in a "big city" is retarded

[o0o0Ooo0o0Oo]

I spend $1400 /month just on alcohol and food.

[Oreos_With_Milk]

move somewhere that doesnt suck, the amount people pay to live in a "big city" is retarded

says a guy from ohio. LAWLZ

[frankky4fingers]

Because my other thread is about moving to CA, not about my money, retard.

LOL@ you calling me a retard and making 13$ an hour working at a hotel.

strong irony.

[Dysfunqtional]

says a guy from ohio. LAWLZ

I would MUCH rather live in Ohio than NY, what does NY have that Ohio doesn't that I would actually enjoy? nothing, plus Ohio has a low cost of living.

[gixxer0.6g]

I wish my bills looked like that. Although, five more payments and the truck is all mine. That will be a nice extra $500/month.

[tensortrucks00]

where the **** am i gunna find rent for 410

[roccobladr]

how bout when you are stuck with room mates who INSIST on having premium HD cable?
or if you bought a new car before you moved out?

[loik]

Put it all on red , doubled up now you have $2800

or your whole life savings brah

[tp90]

use that 400$ go to the casino try to x2 , play some bj i believe you will win trust me!

[The_Albatross]

no health insurance?

[HMFIC_BROWSIN]

I would MUCH rather live in Ohio than NY, what does NY have that Ohio doesn't that I would actually enjoy? nothing, plus Ohio has a low cost of living.

wtf? get out of ohio for a bit and see what you're missing brah

[MAGnitude]

People seem to have a strange concept of money, and in another thread people had a hard time believing I lived on my own for 2 years on only $1400 a month, so I decided to make this post to show people how to live on a budget.

I moved out of my parents house when I graduated high school at 18, I had a decent job making $1400 a month after taxes. I owned a Honda that was paid off already, no need for a car payment at 18.

Here is a Breakdown of my Expenses:

1bd Apartment Rent - $410
Electricty - $40-$60
Cable/Internet - $80
Gas - $100
Cell Phone $60
Liability Car Insurance - $75
Food - $120-$150

Total: ~$935/month in Expenses

I had over $400 a month for a "entertainment" budget, most of the time I put money in savings, bought new clothes, or bought weed/beer with my leftover cash.

Sure this may not be possible in states like CA and NY, but there is no excuse for anyone not to be able to learn to budget their money.

u only live of 30-50 bucks a week on food?

[Dysfunqtional]

wtf? get out of ohio for a bit and see what you're missing brah

in Ohio we have the same **** as you would find in NYC, the extra stuff that New York has is **** I am not interested in and I have been out, they are fun to visit but living there, no thanks.

[DukeOfManlets]

bodybuilders need food.
been out of parents house since 15
living off less
spending at least 3x that on food.

[elliott42o]

Here is my guide to living off $6500 a month after taxes:


Pay all your bills
Eat good food and go out often
Buy what you want
Still have plenty left for savings

[Frannycakes]

I would MUCH rather live in Ohio than NY, what does NY have that Ohio doesn't that I would actually enjoy? nothing, plus Ohio has a low cost of living.

A guy I knew that grew up in NYC recently moved to Columbus, he loves it because everything is so much cheaper.

[Oreos_With_Milk]

I would MUCH rather live in Ohio than NY, what does NY have that Ohio doesn't that I would actually enjoy? nothing, plus Ohio has a low cost of living.

1. Gorgeous women.
2. Money.
3. Restaurants (the best)
4. Night clubs
5. Diversity
6. Gorgeous women.


The biggest thing that sucks about being here is, price. Everything is expensive. Taxes are absurd. Rent is absurd. Absurd is absurd.

[Dysfunqtional]

Yeah its lower cost of living but you get paid less since the minimum wage is dependant on the area you work in. If its in Montana you will get paid less than NYC. So in the end everything evens out. Its just easier to blow all your money in the city since there are places to spend your money everywhere around you.

it nowhere near evens out... Minimum wage in Ohio is $7.30 and in NY it is $7.25 so you are telling me that in NYC minimum wage is around $15 an hour? cus I know rent alone is probably at least 2x what it is here, probably 3x.

[o0o0Ooo0o0Oo]

OP I do give you props for living via more meager means. It's pretty hard to change your lifestyle once you get wrapped up in the rat race, especially when you have kids.

I often think living a lower-key cheaper lifestyle would be a lot less stressful.

[HMFIC_BROWSIN]

I'd love to live in socal, but i'm not rich

[Dysfunqtional]

1. Gorgeous women.
2. Money.
3. Restaurants (the best)
4. Night clubs
5. Diversity
6. Gorgeous women.


The biggest thing that sucks about being here is, price. Everything is expensive. Taxes are absurd. Rent is absurd. Absurd is absurd.

we have gorgeous women, there is money here too maybe not to the exact same extent but there is still some good money, i dont care to eat at a super expensive restaurant it isn't logical to me when I can go to another place and get the same thing for under half the cost, night clubs aren't my thing they are boring to me, would rather just go to a bar or a house party, diversity doesn't really mean all that much to me since the people I hang out with will have similar interests. so for me, Ohio > NYC

[hellasx44]

Location: New York

[Dysfunqtional]

I work in DC this summer for the government and there is a locality rate that adds a couple hundred to my paycheck. Then again I dont make minimum wage, but I know they do adjust it so your standard of living is about comparable.

it wont be though is what I am saying, if you ask anyone who has lived in almost ANY other big city and in Ohio (Cleveland, Columbus, Cincinnati) I will guarantee you they will say standard of living isn't comparable with the same financial factors.