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#Post#: 720--------------------------------------------------
Budgeting
By: Red Date: June 9, 2013, 4:35 pm
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So I'm trying to budget everything for the year based on if I
worked full time at my current wage. Now, this would probably
fluctuate by the end of next year, but I just thought I'd share
where I'm at.
To put this into perspective, I'm doing clerical and field work,
which means I'm partially inside in an office, and out doing
manual labor the rest of the time. A receptionist makes an
average of $22,000 a year, and an IT Specialist makes about
$66,000 a year.
[sub]SOURCE:
HTML http://www.simplyhired.com/a/salary/search/q-full+time[/sub]
My wage is $10/hour (which is pretty good for my age, my I add)
and implying that "full-time" is 40 hours a week, do a little
math and that evens to about $20,800 a year.
Total per year:
$20,800
Estimated Food:
$2,400/year
Total so far:
$18,400
Car:
Gas:
$720
Total so far:
$17,600
Maintenence/registration
$2000
Total so far:
$15,600
Rent:
@$1,000
$12,000
@$600
$7200
Final Total:
>$3,600
or
>$8,400
Total Deduction:
$17,000
or
$12,320
Average:
$14,660
Keep in mind, I'm not currently paying rent, so what I get is
SIGNIFICANTLY more than this, but if I'm planning on moving out
by the end of summer, this is what it would look like. If I
suddenly got an upgrade to my salary, I could just find how much
I'm payed a year at that salary and subtract $14,660 from it or
whatever my total deduction is.
I'm not too familiar with the housing market, but this is my
grasp of it. Renting means you obviously don't own the property
in any way, and after you're done with renting, you do not have
any further ties with the property at all, unless you screw
something up and have to pay for it. When you buy a house,
basically how it works is you get a loan from the bank, using
the house as collateral. The is called a mortgage and is
normally set to be paid off within 15 to 30 years. There is
normally interest on this loan, so as you pay it off, the amount
you're intended to pay every month increases slightly. There are
many upsides to this, one of them being that the amount you pay
on a mortgage can be significantly less than what you'd normally
pay for rent. The downsides are that now you've technically
committed yourself to living in the same house for 15 to 30
years.
Pros to Renting:
Can be temporary or long term
Usually no interest
You're not technically in debt
Often fairly available
Cons to renting:
Not really affordable in some parts of town
You have to live around other people usually of questionable
moral character
You cannot remodel or change too much about your surroundings
Spaces are usually smaller
Pros to buying:
Can be cheaper than rent - even with interest, and you can rent
it to other people to help pay/pay more than the mortgage (in
some situations).
You often have free reign over the property.
You might sell the house for more than you bought it for
You can be picky with location and normally still get a good
deal.
Cons to buying:
Commitment (in some situations, you can still sell your house in
a mortgage, but the market needs to be in fair condition.)
You have to pay for most collateral damage, even with insurance.
You normally have to put down a mighty thick down payment and
have a fair credit score thing. Whatever those things are.
Can leave you severely in debt if things go wrong with your job
or something.
I don't even know why I did this. I guess if you want a
reference for how an 18 year old lives without some sort of
special college degree, here it is hahaha.
#Post#: 752--------------------------------------------------
Re: Budgeting
By: MisterCuttlefish Date: June 10, 2013, 10:10 pm
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Thank you, actually.
I was planning on moving out after the first semester of Senior
year next year but I don't know what I might do now.
Then again, I would be living with about two-three other people
maybe, and we might be able to pull it off for a bit or until we
go to college. I'd have to do a good estimate like this one if I
wanted to find out. None of us have any real job (that I know
of) and I can't guarantee that two of the people will even agree
to going with it.
I can't get any money from my parents if I want to go through
with this and I can't even drive yet so this is probably one of
my less great plans, I still want to do it urk hahaha xD
But I feel a commitment to the idea and will make it work if its
even remotely possible. Thanks again for the example/whatever
you were doing for this. o v o
#Post#: 761--------------------------------------------------
Re: Budgeting
By: Gris Date: June 11, 2013, 3:34 pm
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Yeah, and I'm going to be on my own when I go to college but
thats up north and I think dorms are really cheap at the school
im going to but I have no idea?..
#Post#: 762--------------------------------------------------
Re: Budgeting
By: Gris Date: June 11, 2013, 3:53 pm
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Nevermind everything is about 5k a year on/off campus but like..
Food expenses for living on campus adds another two thousand so
i think im just going to get the room since i dont eat much
anyway
#Post#: 764--------------------------------------------------
Re: Budgeting
By: Red Date: June 11, 2013, 4:29 pm
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The biggest factor is income. Once you have a job soooo many
things become possible. It's empowering to know that you could
feasibly buy a dragon dildo every month and still live off of
what's left.
#Post#: 765--------------------------------------------------
Re: Budgeting
By: Gris Date: June 11, 2013, 4:43 pm
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No way..
HTML http://media.tumblr.com/tumblr_luvt8kF3wx1qeqmbm.gif
#Post#: 766--------------------------------------------------
Re: Budgeting
By: Gris Date: June 11, 2013, 4:43 pm
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AND HOW DO I ACQUIRE THIS.. Mortal "Job" thingy..
#Post#: 767--------------------------------------------------
Re: Budgeting
By: Red Date: June 11, 2013, 5:27 pm
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the sacrifice of many goats and children
#Post#: 768--------------------------------------------------
Re: Budgeting
By: Red Date: June 11, 2013, 5:42 pm
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lol create a resume saying like you're a student with a whole
bunch of talents/aptitudes, present yourself, and basically sell
yourself as a human perfect slave. The point is to effectively
lie in the interview and make yourself into a perfect person.
Once you get the job, you can act fairly normal. Also, when you
turn in an application and resume, you get bonus points for
cover letters, references, and also for basically living at
where you applied. And by "living" i mean following up like
every day. Also, it's not rude to ask for an interview, but it's
best to say like "When are interviews normally conducted?" and
stuff. Also, be sure to speak with the manager and/or person
conducting interviews. If you don't get to speak with them when
you turn in your application, come in the next day and be sure
to say you applied and are looking forward to hearing from them.
Also it helps when they have a position open. Most places won't
hire someone if they don't need a necessity filled, so looking
on job websites or in newspaper classifieds (be wary of
craigslist) is a great way to find places. Once you find an ad
for a place you'd be okay working at, pursue it until you're
absolutely positive they don't need you or until they hire you.
It's not bad to be pushy about the job either, because people
want to hire people who WANT the job. You have to becomes
slightly obsessed with it, and you need to become knowledgeable
about it. Talking with people who've worked there before or
reviewing as much information about the position can not only
make you more well informed, but also give you an advantage
during interviews and stuff.
there's more things i could say, but most of them are pretty
direct. The biggest thing is to be remembered by the manager, so
becoming stuck in their mind by following up every so often can
be a good thing.
also, it doesn't matter how lengthy your resume is, it just
needs to be legible and to the point. Think 5 seconds or three
inches, because that's the amount of time the hiring manager
will give your resume out of a stack of resumes, and it's within
those 5 seconds that they'll make a decision to move your resume
on to the next round of reviewing or not. Hmmm, maybe I should
just condense this into a How To.
#Post#: 1032--------------------------------------------------
Re: Budgeting
By: MisterCuttlefish Date: August 5, 2013, 1:15 am
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its stupid advice I know but ask your parents
i have made
so much money
i dont even know what to do with it
i have like 180+ dollars and im like what do i do now
thats after spending like over 60 already just so you know
im done i dont
understand
im questioning life like
having money and then wolf children nothing is helping
im just so sad
money makes you sad [s]or maybe its wolf children i just have
this really gross feeling in my chest all the time its painful
help[/s]
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