How to: Live on $12,000 a Year
Salford1
Macuser
already, e.g., I need a new microwave but don't want to buy one. I'm trying
to get a castoff from freecycle or find a replacement from a thrift shop.
Even though microwaves are cheap, I'd still rather get it free or spend $5
or less.
I think that if you have spent a whole year being cheap and have saved a lot
of money, it's a nice idea to splurge on something you love once in a while.
I use a big screen LCD TV that gives me a lot of enjoyment. This is my own
personal philosophy that blends thriftiness with enjoying money.
--
http://cashcuddler.com
"Thrift is sexy."
"Salford1" <vecti...@yahoo.com> wrote in message
news:73040456-f7ec-4cde...@k8g2000yqn.googlegroups.com...
Rod Speed
> Makes sense.....Given the current climate!
Nope, if many are stupid enough to do that when it
isnt necessary, it will make that necessary for most.
> http://www.osawatch.com/2007/02/can_you_live_on.html
meow...@care2.com
> Makes sense.....Given the current climate!
>
>
> http://www.osawatch.com/2007/02/can_you_live_on.html
Does it? I thought some of the points quite trivial, and it fails to
address the real issues.
If someone is unable to live on 12k a year, really they need to go
back to basic principles and learn them. Its not difficult.
NT
rick++
Thats 40% of my annual budget.
If you live in cheap rural area or paid-off house,
housing cost may be trivial.
tween...@mypacks.net
> The wild-card is housing.
> Thats 40% of my annual budget.
Are you including taxes and insurance or just a rent /mortgage
payment?
Macuser
"Thrift is sexy."
"rick++" <ric...@hotmail.com> wrote in message
news:68ee7d97-1132-46bc...@r28g2000vbp.googlegroups.com...
clams_casino
Which is why the OP recommended taking in boarders to share the housing
costs of utilities, mortgage, etc.
Seerialmom
> Makes sense.....Given the current climate!
>
> http://www.osawatch.com/2007/02/can_you_live_on.html
Makes more sense to know how to live cheaply before you "have to".
The suggestions given were "ok" but really didn't address the big
ticket items like healthcare, transportation or cost of living based
on location.
rick++
> > The wild-card is housing.
> > Thats 40% of my annual budget.
>
> Are you including taxes and insurance or just a rent /mortgage
> payment?
Basically all of the "ultra frugal" stories I read, no one pays
much of anything for housing. They either have a paid-off
or inherited house or living with someone else who doesnt
charge them rent or live on street. Ditto for 60 Minutes
frugal guy who "washes his paper towels" last Sunday.
In my case its $1000 for mortgage, tax, insurance, all utilities
for a 800-square foot unit. Small part of my income but
large part of my budget.
tween...@mypacks.net
> Makes sense.....Given the current climate!
>
> http://www.osawatch.com/2007/02/can_you_live_on.html
This is all nickel and dime stuff. The bit about owning more clothes
and washing less frequently is a joke. Doesn't it amount to the same
thing - doing one load a week or two loads every two weeks? Now, if
he'd said "wear the same clothes and never wash em" then I can see a
savings. But who wants to live that way?
The only folks I know who can get by on 12 thou a year are an elderly
couple who live in cheap paidup housing in the sticks, don't own a
car, never eat out, are uninsured and def. don't have the frills.
curly'q
I don't think it's so much a matter of what you live on, but what you
could live on if you had to. We could could get by on
half or less of what we do now. It's that cushion that gives us a
sense of security. For some of us, the frills are quite unimportant
and certainly not worth going into debt for.
LA
tween...@mypacks.net
>
> I don't think it's so much a matter of what you live on, but what you
> could live on if you had to.
Ha. If I had to really live on less, I could move in on a relative
and mooch on him or her. Wouldn't need to spend a dime.
curly'q
There you go......that's the spirit.
LA
Rod Speed
Not trivial the way the US does property taxes.
Rod Speed
>> Makes sense.....Given the current climate!
>> http://www.osawatch.com/2007/02/can_you_live_on.html
> This is all nickel and dime stuff. The bit about owning more clothes
> and washing less frequently is a joke. Doesn't it amount to the same
> thing - doing one load a week or two loads every two weeks?
He's actually talking about only washing full loads.
> Now, if he'd said "wear the same clothes and never wash em"
> then I can see a savings. But who wants to live that way?
Bums.
> The only folks I know who can get by on 12 thou a year are an elderly
> couple who live in cheap paidup housing in the sticks, don't own a
> car, never eat out, are uninsured and def. don't have the frills.
Anyone who doesnt have significant housing costs can do that too.
Jonathan Grobe
>
> Anyone who doesnt have significant housing costs can do that too.
>
medical cost state and pay close to $7,000/year as a single
person for health insurance--and expect a big increase next
year..
--
Jonathan Grobe Books
Browse our inventory of thousands of used books at:
http://www.grobebooks.com
Rod Speed
> Rod Speed <rod.sp...@gmail.com> wrote
>> Anyone who doesnt have significant housing costs can do that too.
> Have you priced health insurance lately?
You dont have to have to have that, most obviously if you're 25 etc.
> I live in a lower medical cost state and pay close to $7,000/year as a
> single person for health insurance--and expect a big increase next year..
See above.
Macuser
types of debt, it's a big outlay.
"Thrift is sexy." ;)