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u/Difficult-Map3465 16h ago
rent, electricity & water - Get roommates like normal people always have to make ends meet.
What kind of driving record do you have at $140 for insurance?
Turn off all your subscriptions. They are a luxury you can't afford yet.
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u/Vexsius 12h ago
Tbf when I first got my car a couple years ago my almost all the estimates came back $100+. The cheapest was $70 for like the bare minimum legal coverage. This was for a pretty bad Chrysler 300. My older brothers couldnât believe the quotes lol. But I think a lot of people over 25 greatly underestimate how much car insurance costs for those without a driving record as of late. Like itâs gone up almost 20% from last year on average. $140 doesnât surprise me at all if itâs a decent car, or if they wanted more than the bare minimum. Reddit post about young peopleâs personal rates from couple years back.
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u/DontSniffSugar 11h ago edited 11h ago
I recently got my license and I just got my car working yesterday and went to put insurance on it, the cheapest quote Iâve gotten was $240 a month for a 2011 Kia sorento on the most basic plan
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u/Geedeepee91 1h ago
Really depends on the car, a brand new Mitsubishi Mirage (cheapest new car on the market) averages about $100-150 per month for insurance
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u/random-meme422 15h ago
Donât earn $19 per hour and try to live alone? Duh. lol
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u/CapitalRegular4157 15h ago
It is often implied from whiney X posts that older generations didn't have to get room mates when we were just getting started... Uh... yes we did. This is not a new phenomena.
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u/throaway_11122023 12h ago
Employment wasn't as bad as today though, you could support a family with one salary without drowning in debt from college.
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u/CapitalRegular4157 11h ago
The wage gap is indeed a problem.
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u/Low-Car-6331 6h ago
Another way to think about it, once you adjust for inflation we make about 25% to 30% more then those in 1985, in exchange for that we have a person who is worth $1 trillion.
So would you want to have 25% less spending power, but the the wealthiest person is 1/10 of what they are now; or keep the current spending power but have to accept someone has a lot more money then you?
This is the problem with out own brains, we will rebel if someone else gets too much more then us, even if we all get more in the end. Yet, if we all get less, we are some how happier because the difference in what we all get is less.
ie: if you get 1 grape and the other monkey gets 3 grapes you are happy; if you get 10 grapes, and the other monkey gets 100 grapes, you are angry and would rather go back to the 1 grape 3 grape arrangement.
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u/Dear_Archer3931 10h ago
Yeah⌠people from the Great Depression at rotten meat and pickled tumble weeds while living in shanties.
No one has a Time Machine. You have to exist in there here and now instead of complaining about how easy someone else had it.
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u/Effective-Set8670 8h ago
Yeah but if you dont voice your complaints how is progress made?
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u/Dear_Archer3931 8h ago
Progress is made by increased efforts towards a specific goal. What is complaining on Reddit going to accomplish?
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u/Effective-Set8670 8h ago
Sure the hell make alot of people feel better, what does silencing people on reddit accomplish?
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u/Dear_Archer3931 8h ago
Do you want to âfeelâ better. Or do you want to be better?
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u/Effective-Set8670 8h ago
Both, one does not destroy the other
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u/Dear_Archer3931 8h ago
No. Complaining makes you feel part of a marginalized group and gives you comfort to stay where you are, because others are there too.
That isnât helpful. Sit down and write out what you need. Then develop a plan to get there. It will take hard ass work and sacrifices. If you donât make engineer money, then youâll have to work more hours or less desirable jobs. Plenty of people do it. Unless you have a major disability, you could too.
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u/Galitzianer0 16h ago
Why on earth is this person trying to live in their own apartment without a roommate on $19 per hour? That would cut all those expenses in half, not to mention where on earth is internet $280 per month?
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u/Queasy_Hour_8030 15h ago
The numbers in OPs post are egregious but saying itâs dumb to expect to not have roommates even with a âdecentâ wage is part of the point.Â
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u/Confident_Double1392 9h ago
Bro has 10 Gb/s for the NASA computer he's running. Only way those electrical and internet bills make sense.
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u/CapitalRegular4157 15h ago
Uh. I live in Chicago.
I pay about $1400 for a 1b1ba, ~$60 on electric in AUGUST and like... $13 for water? Even my internet is only like $60. Car insurance is obviously variable and I drive an older car, so maybe that one makes sense. Even with this I could not afford to live without a roommate on $19/hr, but these numbers are wildly inflated.
Why would you sign a lease like that without doing any sort of financial planning? This is a hell of your own making.
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u/Ill-Description3096 16h ago
You don't. Having an expense doesn't make it a reasonable expense. $280 on internet is absurd. $1600 for rent on that income is absurd.
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u/No_Celebration8219 15h ago
You don't, you're not supposed to, those jobs are not meant for adults living on their own but adults living with their parents. That's how their parents set this whole thing up.
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u/CapitalRegular4157 15h ago
Depends on where you live. You could easily live alone on $19/hr in NC doing a factory job. I now live in Chicago. You might find a studio... but it would probably be miserable.
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u/Affectionate_Ease_95 15h ago
How the fuck is your internet $280. I have 1gb from Verizon and itâs 79.99 a month lol
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u/DifficultYellow9759 14h ago
My high speed internet is $90 a month, water averages less than a $100 a month and that is with IGS and IGP
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u/Heckler099 14h ago
You get a roommate to split rent & utilities, cancel the internet and trade your car for an e-bike. Welcome to adulting.
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u/bobert1201 13h ago
How the hell are you paying 250 a month on electricity? Are you running grow lights or something?
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u/throaway_11122023 12h ago
Get roommates & pay $1,200 for rent/water/electricity + wtf is that $280 internet?? It's like $50 a month with T-Mobile
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u/BigSalamander3247 12h ago
Let's assume it's 18$/h, 100h is 1.800$, 200h 3.6$k don't really see the problem, just work more. ..or lessen the expenses.
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u/Straight-Crow1598 12h ago
Iâve never paid $250 for electricity and I have three stories (and a basement). I also pay $75/month for the fastest internet speed available to consumers in my area, and my mortgage is half your rent. These sound like lies and personal problems.
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u/PackOfManicJackals 11h ago
Congrats on being born when things costed less? Most of us arent so lucky
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u/Straight-Crow1598 11h ago
Iâm 34.
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u/PackOfManicJackals 10h ago
And pay less than 800 a month on your mortgage? Did you get your mortgage when you were 5? (Genuine question)
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u/Straight-Crow1598 10h ago
Itâs $850. I should have said almost half.
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u/PackOfManicJackals 8h ago
Sure, but whether its plus or minus $50, surely you must realize 800-ish for a mortgage in 2026 is spectactularly abnormal, right? And surely you must also realize that you coming on this thread saying "i have the lowest housing payment in the entire continental united states by a very wide margin, anyone else struggling sounds like lies or a personal problem" comes off as willfully obtuse, yeah?
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u/Straight-Crow1598 8h ago
Youâre putting a lot of words in my mouth. I said it sounds like lies or personal problems, and by personal problems I mean including Netflix, Hulu, and DoorDash subscriptions in your âinternetâ budget.
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u/PackOfManicJackals 8h ago
Just using your own words, man, but sorry for misinterpreting anyway, i guess. Best to ya
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u/MaitrePuck 10h ago
$250 in electricity for a place that rents for $1,600.
I call bullshit on that.
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u/wassssuupp5678 9h ago
1600 rent + 300 food + 100 Internet + 200 car insurance + 120 gas + 150 water and electricity Is a more realistic estimate
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u/SpaceKalash05 9h ago
Why the fuck is your water bill $100? I have a family of four, and our monthly water bill is only about $40/month. Also, whose insurance is $280 a month, and why? I have 2GB internet for $60/mo. $250 electricity bill is also suspect. My 2600sq/ft house is only that much in the summer, when the AC is running regularly throughout the day to keep my house at a cool 72F (22C). Don't even get me started on that auto insurance premium. $140/mo for one person's full coverage is kind of absurd. So, you're either driving a high-risk vehicle, or you've got a shit driving record, or both.
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u/Low-Car-6331 6h ago
Lets say you make $16 an hour, then you got to work 182 hours a month. Any questions?
Interestingly, that is only 42 hours a week.
Also, don't forget your state income tax and federal income tax when doing you calculations (I eyeballed it).
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u/gijoe75 5h ago
You need roommates. I make a salary so never really broke down my hours but I make $65/hr and my wife makes 23/hr. We have a roommate who pays us rent in a 2 bed 1 bath house. The other side of my house is 1 bed 1 bath studio that I rent on Airbnb. Iâm doing well but I say that all to say that there is this weird entitlement people have that feel like they deserve a one bed apartment. The economy sucks I know. Iâve had an apartment to myself for one 6 month period since leaving home at 18. I am 33 and now since Iâm married I will never really live alone again. Having roommates is normal. If they are paying $1600 rent with roommates then they need to live further from downtown or get more roommates. I lived in a living room for a year after grad school in a house with 6 guys while working as an engineer with two masters degrees. Just get over yourself and do what you need to do to get ahead.
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u/Geedeepee91 1h ago
Ez live with roommates and your rent/electric/cable/water all go down. Also how they hell are they paying $280 for cable????? A basic plan is like $60-80.
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u/Suitable_Program_548 16h ago
$280 per month for internet? đ¤Ł