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Old 05-22-2010, 03:33 PM   #426
AliasUnrise
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Re: Does earning $65k per year mean you're poor?

If this hasn't been mentioned you can buy a ton of this stuff from Amazon for way less.
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Old 05-22-2010, 03:38 PM   #427
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Re: Does earning $65k per year mean you're poor?

ok, this has motivated me to do this: on June 1st i'm going to withdraw $400 from the ATM and that will be my entire allowance for all food for that month - if i spend it all by june 20th, then i die. i'm curious i can do it, while eating reasonably healthy/high protein and not feeling hungry all the time. if i can, i'll save a ****load of money every month because my current monthly food expenses make OP's grocery budget look like peanuts.
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Old 05-22-2010, 03:38 PM   #428
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Re: Does earning $65k per year mean you're poor?

In canada at safeway, 2 chicken breasts cost like 8$++ or a steak is like 10$, box of cereal is like 5.5$, grapes are like 3$ a pound. I gotta move to usa such cheap food there, no wonder everyone is obese. You know in my city there are hardly any obese people, because the foods so expensive, that must be it.
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Old 05-22-2010, 03:39 PM   #429
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Re: Does earning $65k per year mean you're poor?

Reading the replies now. I must say I'm really impressed with Henry's knowledge and sophistication.
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Old 05-22-2010, 03:39 PM   #430
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Re: Does earning $65k per year mean you're poor?

chiming in again to say that a sous vide machine sounds like a hella strong investment for you, duder. ****ty blade steaks = omg like butter in my mouth, plus it actually tastes like beef! omega win!
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Old 05-22-2010, 03:40 PM   #431
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Re: Does earning $65k per year mean you're poor?

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Reading the replies now. I must say I'm really impressed with Henry's knowledge and sophistication.
Okay, that cinches it, you're the trollin'est troll in trolldom.
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Old 05-22-2010, 03:41 PM   #432
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Re: Does earning $65k per year mean you're poor?

yeah i've been reading about sous vide since you posted about it. i'm definitely considering it. sounds yummy.
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Old 05-22-2010, 03:41 PM   #433
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Re: Does earning $65k per year mean you're poor?

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Trader Joe's. It's one of their best frozen products.
Most of TJ's frozen meals are loaded with salt. High sodium meals are bad for your health imo.
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Old 05-22-2010, 03:42 PM   #434
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Re: Does earning $65k per year mean you're poor?

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High sodium meals are bad for your health imo.
nah
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Old 05-22-2010, 03:43 PM   #435
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Re: Does earning $65k per year mean you're poor?

Jesus Christ you're a master. It's like you specifically choose the most exquisitely mistaken positions for me to facepalm about. You could be Dead. Maybe you *are* Dead.
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Old 05-22-2010, 03:44 PM   #436
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Re: Does earning $65k per year mean you're poor?

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Originally Posted by Quicksilvre View Post
It could be state and city taxes; NY has an income tax and NYC even has a third income tax on top of that.
You're right, FICA, fed, state, city, retirement contributions, etc. all get deducted.
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Old 05-22-2010, 03:45 PM   #437
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Re: Does earning $65k per year mean you're poor?

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Getting rid of the car wouldn't be just $350. I don't think the type of car was ever revealed but assuming it isn't a POS it could be used to pay off the debt or at least come close and then he'd have an extra $850/month.

It depends how much he drives and if he really needs it. I have been to NYC a few times and based on what parking cost I can't imagine that cabs are not cheaper at least in Manhattan.
I meant an additional $350. In any case, he mentioned that he spends $350 for gas and insurance. While cabs are not cheap, neither is paying for a parking spot. Subway is a great way to get around. Most people I know that live in NYC don't have a car. Whether or not the op requires a car I don't know, just a suggestion.
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Old 05-22-2010, 03:47 PM   #438
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Re: Does earning $65k per year mean you're poor?

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i can put together a grocery list of mac and cheese, hot pockets, rice, pasta, Eggos, bread, bologna, but that's just not gonna cut it unless i want to have gross body composition, low protein intake, and crappier long-term health.
Exactly! It's a lifestyle choice imo.
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Old 05-22-2010, 03:49 PM   #439
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Re: Does earning $65k per year mean you're poor?

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"My net pay, (every 2 weeks) after federal, state, AND city taxes (plus FICA, etc.) are deducted amounts to $1,850, or $3,700 monthly."
If OP is looking at his biweekly paycheck, turning that into a monthly amount and using that to determine his yearly take home, that explains why he thinks he's poor.
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Old 05-22-2010, 03:51 PM   #440
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Re: Does earning $65k per year mean you're poor?

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3) That $1600/month for rent is not expensive or anything even close to luxury and that since we are talking NYC it is likely just a normal (even below average) place.

Correct! I was lucky to get my apt. for $1,600. The same units in my building now go for between $2,000 and $2,300. My apt. is nice though, and in a very good area. It is a 1 bedroom, about 700 sq. ft.
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Old 05-22-2010, 03:55 PM   #441
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Re: Does earning $65k per year mean you're poor?

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In canada at safeway, 2 chicken breasts cost like 8$++ or a steak is like 10$, box of cereal is like 5.5$, grapes are like 3$ a pound. I gotta move to usa such cheap food there, no wonder everyone is obese. You know in my city there are hardly any obese people, because the foods so expensive, that must be it.
I know. It is insane how cheap stuff down there is. Have you looked at real estate? Even before it all went to **** what they could buy for $300k vs what we can get for the same amount is amazing.

If it wasn't completely trollish and douchy I'd actually make a budget and post it just so I could make Anacardo's head explode.
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Old 05-22-2010, 04:04 PM   #442
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Re: Does earning $65k per year mean you're poor?

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I went over a decade without stepping foot inside a domestic grocery store and I'm suppose to know details about a small speciality chain in a different country?
No, and it makes sense why you would be completely clueless about the cost of living.


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I think the issue is that as someone who makes $65k he should be in a position to not have to shop at Walmart. $15k in credit card debt is bad but if I'm not mistaken the average household has credit card debt in the $11-12k range.

He doesnt have to shop at walmart, but he isnt content iwth the way his life is right now - and if he wants to be more comfortable financially he's going to have to learn to make some concessions. And for most people, stepping foot into a walmart isnt a traumatizing experience - and may very well be the best choice for him.
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Old 05-22-2010, 04:07 PM   #443
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Re: Does earning $65k per year mean you're poor?

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grunch

OP, i've lived in nyc for over 10 years as a single, attractive male. and i can assure you that any little "excesses" you try to trim just aren't gonna make much of a difference. nyc is expensive. $65k is nothing here. $800 for food a month is nothing. if i had to live on less than $30 a day for food in this city i'd go crazy. i'm sure i'd put my head in the oven by week 2 of a $800 month budget as i find myself reaching for yet another hot pocket or can of chef boyardee. in the end though it doesn't matter because the savings from food choices aren't going to make a huge difference given what you're currently spending on groceries.

i mean, it looks like you lead a pretty miserly frugal life to begin with. i don't see you going to nightclubs everyday, broadway, 4 star restaurants, bar crawls, shopping sprees at Saks etc.

ok, you could move out to the far parts of the boroughs or suburbs where rent is cheap. but it's cheap for a reason. do you like 2 hour commutes? do you like living in far away parts of queens, brooklyn, jersey where the only entertainment for a 30 block radius is scratching lottery tickets at your local bodega or dodging bullets? there is a reason people spend $1,600 to live somewhere. when i first moved to the area, i lived in 4 places over a 3 year period in neighborhoods that were 90 minutes plus commute door to door and i was never so miserable in my life. yeah i spent $600 a month to share but i think i started to develop depression.

that said, i am personally getting tired of how expensive this city is. it just doesn't seem like it's worth it for the long haul unless i win the lottery.
I'm with you. I can accept how expensive everything in NYC is, but it's real estate that I'm getting way too frustrated with. I'm at a point where I would really like to purchase a house. Of course those don't exist in Manhattan, but certain area's of Queens are nice enough. Unfortunatly, a modest 3 bedroom home starts at about $600K. Even when my salary goes up to 100K I still wont be able to afford to buy something that expensive.

Long Island isn't much better either. I'm not fond of the area, and even though housing is slightly lower there, the property taxes are INSANE!

Parts of Jersey are OK, but again, high prop taxes, and I'm not commuting that far. I doubt I could get a job there with an equivalent salary to what I make here in NYC.
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Old 05-22-2010, 04:10 PM   #444
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Re: Does earning $65k per year mean you're poor?

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i go through that in about a month ($20 is one bottle for me though because i like the good stuff). at night i usually eat something i drown in olive oil: tuna, fresh mozzarella, some salad i make. so it goes quickly.
Same here. (LOL @ chugging olive oil) Generally, a good quality 1 liter glass bottle of first cold pressed extra virgin olive oil costs about $20 give or take.
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Old 05-22-2010, 04:13 PM   #445
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Re: Does earning $65k per year mean you're poor?

I don't know if this has been posted, but between CVS and Walgreens you can get all the toothpaste, mouthwash, razors, contact solution, and soap you would ever need for free.
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Old 05-22-2010, 04:18 PM   #446
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Re: Does earning $65k per year mean you're poor?

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Originally Posted by runLOLArun View Post
Exactly! It's a lifestyle choice imo.
Poor people don't make lifestyle choices.
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Old 05-22-2010, 04:20 PM   #447
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Re: Does earning $65k per year mean you're poor?

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If it wasn't completely trollish and douchy I'd actually make a budget and post it just so I could make Anacardo's head explode.
I mean, you at least quasi-survived a Diablo inquisition, and very few people can say that, but I don't know why you think this would be the nail in some kind of coffin for.. something about me. I'm sure a good solid chunk of OOT would be interested in seeing this, though.
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Old 05-22-2010, 04:25 PM   #448
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Re: Does earning $65k per year mean you're poor?

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Originally Posted by MicroBob View Post
and does an extreme amount of laundry with perhaps 3x the soap required for each load.

Nope. I do laundry 1x a week. I should've mentioned not only the cost of the detergent, but the cost of doing the laundry itself. My building has a laundry room where small washers are $2/load, large washers are $3/load, and dryers, one size only are $3 for the first 20 minutes.
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Old 05-22-2010, 04:31 PM   #449
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Re: Does earning $65k per year mean you're poor?

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Originally Posted by Anacardo View Post
I mean, you at least quasi-survived a Diablo inquisition, and very few people can say that, but I don't know why you think this would be the nail in some kind of coffin for.. something about me. I'm sure a good solid chunk of OOT would be interested in seeing this, though.
I'd love to see his budget too.

I just can't imagine him making a concession on anything that would make a difference.

If he was ever in a spot where he needed to budget his life, I'm sure he would find a way, but he's completely lost touch with 'reality' as it's understood by 99.9% of the worlds population.
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Old 05-22-2010, 04:32 PM   #450
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Re: Does earning $65k per year mean you're poor?

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OPs grocery budget aside, many of you are underestimating how truly expensive NYC is. We don't have Aldi or Walmart, $1600 is not that much rent if you don't want to live in a ****hole. Places charge $10 for a sandwich and can of soda. A single parking ticket can be $110. Clothes wear out faster because you are smashed against subway doors and riding 100 year old escalators that snag and scratch. Apartments are old and soot and dust makes everything filthy, so you have to clean more often.

This city sucks unless you make $100k +
THIS!
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