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Old 08-26-2016, 04:08 PM   #8001
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ah what clickbait garbage. she is not stretching SHIT lol rent alone would eat up a majority of the supposed "savings".

i would also doubt that net savings figure.

371/month on food? yeah right. probably double that if she's eating out as often as the article says at those restaurants)

she probably doesn't spend on gas because "Matthew" drives her pretty ass everywhere.

i guess it's not like she was bragging about it or anything so i shouldn't assume.
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Old 08-26-2016, 04:10 PM   #8002
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If your 70 how many retirees do you think want to deal with being renovicted and have to move 3+ more times before they croak?
Are renovictions that common across the board? I'm assuming if you cashed out you'd be renting a nice place somewhere.
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Old 08-26-2016, 04:11 PM   #8003
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Most of her list is luxuries.
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Old 08-26-2016, 04:15 PM   #8004
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ah what clickbait garbage. she is not stretching SHIT lol rent alone would eat up a majority of the supposed "savings".

i would also doubt that net savings figure.

371/month on food? yeah right. probably double that if she's eating out as often as the article says at those restaurants)

she probably doesn't spend on gas because "Matthew" drives her pretty ass everywhere.

i guess it's not like she was bragging about it or anything so i shouldn't assume.
If you eat at maenam and annalena each in 1 month thats already basically her $371 figure.
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Old 08-26-2016, 04:50 PM   #8005
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Click bait for sure, but interesting to read.

110k seems awfully low for a lawyer. That's what lawyers working for the Attorney General or the Department of Justice get paid with a defined benefit pension and none of the pressure to bill clients. She could probably be chief counsel for some company and make more than that.
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Old 08-26-2016, 04:55 PM   #8006
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I'd take whatever job the easy one is if my only living expenses were half a tank of gas, my cell phone students plan and 2 dinners out a month, regardless of the pay drop.
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Old 08-26-2016, 05:05 PM   #8007
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How a full-time barista gets by in Vancouver - Vancouver Magazine

This one is the most depressing one I have ever read.

The girl eats out everyday but then finishes off with "I do put money in my savings account sometimes. I’m trying to one day save up enough money for a bed frame so I don’t have to sleep on a mattress on the floor.”
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Old 08-26-2016, 05:15 PM   #8008
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The decision between a fixed and variable rate is a tough one in this market - rates are so low that it's hard to imagine anywhere but up, but on the other hand, if you are just buying your place, the effects of rate on your first few year's payments is absolutely insane.

When we bought in October 2015 ($382K mortgage, 25yrs) our choice in rates for a 5 year term were: variable 2.00% or fixed 2.59%. I did this math before choosing variable:

Bunch of geeky math:
Spoiler!

At the end of the day, for me seeing that in my opinion, the Canadian economy will not support an increase in interest rates until at least a year after the US and knowing how sensitive the first 5 years of the mortgage are to interest rates, I chose variable and would again if I was doing it now. 5 years in, the question might be very different though.

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Old 08-26-2016, 05:15 PM   #8009
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Actually lold when I got to this part:

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Earnest Ice Cream $11
Just one pint. A month...

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Old 08-26-2016, 05:17 PM   #8010
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How a full-time barista gets by in Vancouver - Vancouver Magazine

This one is the most depressing one I have ever read.

The girl eats out everyday but then finishes off with "I do put money in my savings account sometimes. Im trying to one day save up enough money for a bed frame so I dont have to sleep on a mattress on the floor.
Her April budget includes $180/month for Christmas presents... WTF.

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Old 08-26-2016, 05:24 PM   #8011
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nothing wrong with planning ahead
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Old 08-26-2016, 05:25 PM   #8012
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Gotta get the 2k needed for christmas presents somehow.
Crazy thing here is, the girl who makes barely enough to live is saving her money to give to her friends and family, and the girl who makes more than enough to support herself is essentially taking what equates to 10x that a month from her family for living expenses.
Jesus people, find a happy medium.
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Old 08-26-2016, 05:45 PM   #8013
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That's a lot of money on shit food. Who spends hundreds of dollars at McDonald's?

Learning to cook even just a little bit saves so much money.
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Old 08-26-2016, 05:58 PM   #8014
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These articles make me totally curious to see what everyone's budget is and how they allocate their funds - doesn't need to be exact numbers can be percentages based on income.

Might be interesting to see how similar (or different) we all are.
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Old 08-26-2016, 06:03 PM   #8015
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We spend SO much money on food, but it also counts as "entertainment" budget in my mind. When we really make a real dinner at home its not a cheap endeavour either.
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Old 08-26-2016, 06:46 PM   #8016
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My mom forced me into saving money, thank god. I still don’t really understand it. I just do it.
lol.... you're a lawyer, how hard is it to understand??
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Old 08-26-2016, 06:58 PM   #8017
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If anyone needs a reason to kill themselves today.....read this LOL
How a Vancouver lawyer spends her $110,000 income - Vancouver Magazine
Now here, is the definition of living off of your parents like a leech, as opposed to a parent helping their children. Imagine advertising that shit?!
Any true asian parent would disown their child for giving them a $200 allowance when they make $110k
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Old 08-26-2016, 07:04 PM   #8018
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As I've said before, a few different friends of mine work in weath management for the big banks and have some very big books to manage

They both say that there is a huge factor of people who make rediculous dual annual incomes who couldn't buy a 2005 Honda Civic in cash if their life depended on it.

Doctor/lawyer, doctor/dentist combos who have no savings and pay $12,000 in bills a month on mortgage, two vehicle leases, country club memberships, dinner parties, etc

These types of situations they say make up a good chunk of these high income earners, especially the ones who come to them looking for advice on asset management
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Old 08-26-2016, 07:10 PM   #8019
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^those professions don't really warrant it but there are plenty sales/marketing professionals who live beyond their means to impress potential/existing clients. For some, it's the cost of doing business.

Problem for many is they selfishly do it in excess and end up with nothing but memories by the time they're considering retirement.
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Old 08-26-2016, 07:18 PM   #8020
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Someone isn't reporting her tips on her income tax. Should be way less than $2k/month take home pay with $26k/year gross.
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Old 08-26-2016, 07:25 PM   #8021
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As I've said before, a few different friends of mine work in weath management for the big banks and have some very big books to manage

They both say that there is a huge factor of people who make rediculous dual annual incomes who couldn't buy a 2005 Honda Civic in cash if their life depended on it.

Doctor/lawyer, doctor/dentist combos who have no savings and pay $12,000 in bills a month on mortgage, two vehicle leases, country club memberships, dinner parties, etc

These types of situations they say make up a good chunk of these high income earners, especially the ones who come to them looking for advice on asset management
Look at the oil patch workers who came home with nothing to show for years of six-figure incomes. It's mind-boggling how one can blow that much money on toys, vacations, and recreational drugs without putting anything aside for a contingency or investment.
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Old 08-26-2016, 07:39 PM   #8022
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lol.... you're a lawyer, how hard is it to understand??
This girl is simply dumb
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Old 08-26-2016, 09:57 PM   #8023
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Just because you can recite a few books doesn't mean your smart with life. I know a few med school grads who are farther in debt then I could ever imagine.... And not because of their tuition.
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Old 08-26-2016, 10:29 PM   #8024
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has there ever been a more uncertain time to get in?

It ain't like you might lose 20k in value, there's a real possibility you could lose 100k in the next couple years if you bought in the last year or so.
Well back when mortgages were 20%, I'd say that was a pretty rough time to buy too. But many still did, and not just 1 house, and are also realizing these gains in recent years by seeking their 2nd/3rd houses and cashing in. They put in the hard work during the rough times to make it work, took the risk at a seemingly poor time to buy, and you can call them lucky all you want that the market has risen astronomically over the past 5 years.

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These articles make me totally curious to see what everyone's budget is and how they allocate their funds - doesn't need to be exact numbers can be percentages based on income.

Might be interesting to see how similar (or different) we all are.
First 5 years of our marriage we budgeted $300 a month on food; groceries and eating out. We lived comfortably but not extravagantly, never had to resort to KD or instant noodle meals. We're both frugal, buy groceries based on what's on sale vs what we were craving at that moment. Usually ate out at a fancy places couple times a year for special occasions
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Old 08-26-2016, 10:52 PM   #8025
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We spend SO much money on food, but it also counts as "entertainment" budget in my mind. When we really make a real dinner at home its not a cheap endeavour either.
You can save money by cooking, but if you want to eat well at home, it can cost serious money.

We like wild salmon and when they were on sale last month, we bought over 10 to keep in our chest freezer so that we could eat one per week over the summer months. Even though they were on sale, they weren't cheap at about 12-15 bucks per fish. Well worth it the price though.

It's the same if you eat lots of red meat or a bottle of wine once or twice per week (even cheap South American wineries). Even coffee gets expensive. We don't buy a lot of coffee when we're out as we like to make it at home, but we buy good quality beans (Ethical, SaltSpring Island) and make it on the French press every morning to take to the office. Stuff adds up fast. When we decided to commit to a Costco membership, it was both a blessing and a curse.

We spend about 12% of our monthly budget on food and dining out.
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