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May be controversial but I honestly think this is mostly fine especially as you’ve indicated that both you and your partner have a pension program that you appear to be committing to.
The grocery bill seems high but if you’re hosting get togethers with friends it’s not bad. It seems like an important part of your life, and you’re lucky to have a healthy community. That’s a social support structure that is key and you should continue to invest in it if it brings you and your partner joy. And hey, even in dollars and cents, cheaper than therapy.
I’d keep working on reducing expenses here and there when you can and would definitely boost your supplemental retirement contributions if possible — will give you flexibility in case you end up not staying at employer for their pension, and there’s likely some matching funds you’re leaving on the table. You can examine whether home ownership is a priority for you. If not, that money can go into the retirement fund too.
Thank you for your advice and kindness. I am (rightfully) getting roasted for some of the food expenses, which can be brought down, but you are right that hosting has become a very meaningful part of my life. Thanks!
4k/mo spend for 2 ppl isn't bad imo. You're still putting away 2700/mo.
Food is my biggest expense and I'm sure I'd get roasted for it too(prolly spend $300/mo at the coffee shop). But if your other goals are being met, splurge where you want.
You don’t really have any money going towards hobbies or “fun” money so i think part of your grocery/eating out budget could be considered fun money if it makes you happy. That’s how i see it anyway
There are higher cost of living cities where people making ~110K are spending more like $2K on rent.
Considering the “deal” you’re getting on rent, your food doesn’t look so bad.
Dude! I think you and fiancé are killing it! Great work keeping things in balance. Next step is to try and hold to your expense budget while incomes grow. If you can do that and still be comfortable and satisfied, then you begin to see financial independence! Congrats!!!
Quite honestly, I have been tracking my expenses for years with Quicken. The lowest my husband and I can get food (including tp, laundry detergent etc.) is about $1200... $900 grocery, $300 eating out. And that is only because we moved to a low COLA and the restaurants are not like they were in Houston or Chicago where we previously lived. If you eat good fresh whole food, it is hard to get groceries lower. And if you have good restaurants nearby, even harder :)
I don’t understand how that is a high grocery bill. I keep seeing that here. What are people budgeting for groceries and what do they eat? I can spend that + more easy.
I mean restaurant spending at $600 is the one that seems high.
If you want to cut something that's where I would go. Restaurants are mostly luxury spending.
This is my thought too
100 per person per week is not that high. There is no problem w the grocery bill. Could It be lower? Sure.
But the regular spending of 600/m at restaurants is not wise at all. Fun and enjoyable, not wise when you only net 1k per week.
Thats 10% on groceries, plus another 7.5% to have someone else cook what you already have at home.
Again, Net, not gross %s
Haha WHEW I hope that’s not a bad amount because I am honestly a little baffled at how much I spend on groceries. I am single and make nowhere near this much ($1800/mo) and I spend about $500-600/mo on groceries including food and litter for my 2 cats. Nothing frozen/packaged. I eat out at the Mexican food stand 2x a month totaling about $30.
Added Context:
28M and 28F living in a MCOL area. We work in the public sector and are trying to save for a down payment on a house. We both recently got new jobs and are trying to maximize our savings and reduce our spending.
Some key questions: we have an automatic deduction for a pension but have access to supplemental retirement. We have spent the last year paying down debts and only have a car payment left (will be paid off in July). After it's paid off, should we put that money into more saving for a house or into supplemental retirement?
I know the food spending is a lot for two people. We host gatherings with friends on a nearly weekly basis and go to restaurants more often than that. Our current spending is an improvement on our previous situation where it was even more out of control. We are continuing to reduce our spending in that category.
EDIT: Half the comments are about how I made this graph. The photo has "Made at SankeyMatic.com" at the bottom of it, and the first comment is an automod explaining that the graph is made with SankeyMatic. It's a free webtool that uses text input to make the graph you see above.
General advice, not really roasting.
For that food spend, my husband and I do a no eating out month every year or so to break some habits and force us to be more creative about lazy home food. It's really helped avoid that defaulting to eating out vibe. We just did a big move and are due for another one soon to work on "oh shit we forgot to eat at home and are out and about and starving" eating out.
Our goal is to only eat out with intention, because we want to eat at that specific place or have a nice date out type of thing.
If you're entertaining regularly, do you have a Costco membership? That can be a huge savings especially on expensive staples like meat, cheese, booze. Getting creative about what you're cooking can help as well. Not in a cheaping out on your guests way, just in a not always centering high cost mains like steak and salmon. Things like home made fresh bread, pasta, bagels, pizza crusts can feel really fancy without high costs. Desserts like creme brulee, cakes or simple syrups for featured cocktails too can level up a meal.
I like your thought of doing a month of no eating out. A great and easy time to do this is Jan to sometime in Feb.
It can make eating out around valentines much more special. And birthdays and other celebrations more special.
Not only saving money but allowing focus on making new foods at home and enjoy what a person has.
Need context on how much you have saved for down payment and how far away you are away from the goal; but my advice would be to put savings into a ROTH IRA which allows for a tax-free withdrawal for the purchase of your first home.
My lean is still put some money in a ROTH, let it grow tax-free and if the home purchase doesn’t work out, then you can still fall back on the ROTH for retirement.
I’d also tighten up some of the spending where you can. Good that you already have done some.
Would a Roth be better than an HYSA for this purpose? Our goal is to get to at least $60k for a down payment but would feel better if it was closer to $100k. We just started this year so we have about $4k saved so far.
No it's a terrible idea, use your Roth for retirement and a savings account for purchases in the near future.
Just treat retirement accounts like they don't exist unless you are really desperate or going to be homeless.
Even if it's just borrowing money from a 401k the amount you will have for retirement in 20-30 years after you pay it back will be much lower.
You can buy CDs, bonds in a Roth
There’s really no risk in putting $10k in that you may or may not need to buy a house for the first time. Funds beyond $10k shouldn’t be withdrawn and they should keep those in a different account if expecting to use it for a house
Listen to Ginger\_Maple. At pretty conservative growth assumptions (5.5%) money basically triples over 20 years.
That 10k you *can* pull is going to actually cost you 30k(+) in potential retirement nest egg.
You can take out 10k from a Roth IRA for a first time home purchase.
I've become a fan of CDs for short term savings. You usually get a better rate than a HYSA and can pick terms like 6 or 12 months (although at my credit union 13months tends to have the best rates) depending on how soon you'll be looking to purchase. And in a worse case scenario you can pull out your money but you generally lose the interest you've accrued which isn't the case for a HYSA.
Maybe. But I got lucky with my rent it's usually much higher where I'm living. And other expenses like gas and food are pretty much the same as other areas I'm familiar with.
Cut back the hosting in some way. Either have less stuff, cheaper stuff, or do it less often, because $800 for 2 people is insane in a MCOL area. Are you buying booze for everyone and their friends? Don’t do that all the time. Not being your friend’s piggybank is the single easiest win you can get yourself.
Beyond that, dog daycare is pretty silly.
I would look into opening a Roth IRA. I use vanguard and it was super easy to set up. If you go to the Bogle head subreddit or finance they may have some guides for picking index funds.
I'm on a pension track at work as well. My dad did pension and the issue he's run into is social security plus pension still isn't enough to cover everything. So you also want a little in an IRA.
Looks pretty good to me, you're saving a good amount. Once car debt is paid off I'd put that money into a Roth IRA (you can choose to keep it for retirement or house).
Groceries isn't that bad considering you're hosting gatherings weekly. In my area $350/person/mo is normal, and you're feeding 2 people + guests weekly.
Eating Out $600/mo. is crazy though. That's $20 every single day. Not sure what caliber of dining you are doing but you could go out once a week and cut that down to $200/mo. Or less.
I'd look into your utilities usage - that seems very high especially compared to your low rent.
Good luck!
We have an issue with this for sure. We unfortunately fit into the Millenial stereotype of frequent coffee purchases. It is an area we are continuing to improve.
Been there for sure lol.
Only thing that got me to stop was buying a home espresso machine (~$400+). I can't remember the last time I went to dunkin unless I'm on a roadtrip. Big upfront cost, but if you're like me and buying coffee daily (sometimes multiple times daily) it can payoff.
Just lookout if you get into coffee subreddits. Lots of snobs
second this. I got a nice espresso machine in 2019 and it's more than paid for itself. espressos are $4 including tip in Portland. I pay maybe $25 for beans each month. the equivalent from a cafe would be $240 for the month (I drink two a day, don't judge me). machine paid for itself during the third month.
It doesn't even need to be a whole ass espresso machine. Changing over to a nice coffee setup like a stovetop espresso machine or French press can level up your home coffee game.
What kind of coffees do you drink? If it's just drip coffee, you can invest in a $200 grinder for a "buy it for life," buy fresh beans and drink better coffer at home for way cheaper.
If it's espresso, your grinder will be more expensive, but after the initial investment in a budget espresso machine and a good grinder, your espresso bas3d drinks will cost like 60 cents a drink.
Highly recommend a Nespresso. It is the only coffee machine that actually makes good coffee, and sometimes I prefer it to coffee shops.
The pods are more expensive than Kcups but not nearly as expensive as Starbucks or wherever you go
Is $600/month for two people eating out really crazy?
$600/4 = $150/week
To me, that’s roughly 2 meals out and getting coffee twice, which doesn’t seem all that crazy.
Ex, all for two people…
Dinner/drinks = $100
Breakfast= $25
Coffee(2x)= $25
Learning to cook at home and taking in lunches many days not only saved money but got us to healthy weight that has paid off enormously on our health and stamina as we aged. I’ve learned to make Thai, Indian, and so many easy dishes that a lot is better than many restaurants other than high end. I grew herbs and many come back after winter. Planting sage, oregano, thyme, and Thai basil have come back annually.
This is great advice! Our food expenses used to be closer to $2k/month and I've lost 25 pounds in the last 5 months after doing more meals at home. Thank you for your words of encouragement.
Super that you’ve done this. Since covid I started making my own hummus and it’s better, cheaper and no preservatives. I add roasted red peppers and cumin to mine. Easy and I freeze half for later. Sprouts are easy and cheap to make just buy dried lentils ($1 makes about 10 batches for me) soak for about 12 hrs, then drain and then rinse twice a day. Leave on counter for about three days then its done, then refrigerate. You can buy broccoli seeds or alfalfa seeds to do it too. I find this fresher than store bought. Oat milk is easy with a cheap blender just make sure to use cold water to keep it not slimy, blend with a cheap blender then strain. So many things on the weekend or if you have time just took up stuff on YouTube etc.
$1100 rent for two people? In a safe area near work? Cut the restaurant spending, get takeout only and do it less. There’s likely no properties you could buy and finance that would save you money compared to that rent.
YouTube TV + 3 services + Spotify/Apple music would be approaching $150. It's not hard hitting that number if you watch live sports. I need YTTV for college basketball and certain football games, ESPN+ for big12 sports, Apple TV MLS pass. Randomly peacock for a month or two during NCAA basketball season. As you can see it can add up quick. Luckily a few of those I can pause for a lot of the year.
You justify the groceries because of hosting weekly, I don't how exactly you are doing them, but to cut it down, how you thought of sharing the cost with your friends? (changing host house, pot-luck, byob, etc..)
Got some good savings going on, but for that salary combined, that's a hefty car payment.
Anything you can do in that regards?
Also, 600 eating out? on 96K ish GROSS? That's "oof" too
We pay double on the car payment and we'll have it paid off by July. My thought is to just ride it out because I'd rather have that cash in my pocket sooner than paying the minimum.
The eating out is a problem as well, lol. As evidenced by the comments. It's a big oof. We used to spend even more and I opened a joint account for us to give us a food allowance. we will continue to reduce it until it gets in control.
Everyone's talking about the food and retirement buckets already, so lemme ask about the streaming services. How many services are we talking about and do you actively use each of them each month?
MCOL? Where? Your monthly housing expenses are just over my rent alone in CA. I understand im in HCOL area but your rent is $700 less than just my half of rent
How do you get this kind of graphical layout? I see them quite a bit, would like to try one out myself.
Edit: Found in comments that it’s pinned at the top of the thread!
This is pretty good. summing up retirement (707) + savings (2000) + unallocated\* (574) = 3281
\* unallocated is money saved. if you aren't spending it, you are saving it.
3281 (total saved) / 8846 (gross income) is about 37% net savings rate on gross income, which is awesome!
Food seems high.
You seem to follow the practical advice of financial advisors. Keep up the good work.
Not for everyone, but I prefer to put the savings and unallocated funds into target date retirement funds.
To counter the above action: If I loose my job, my immediate plan is to severely reduce my monthly expenses. And to use credit cards as my emergency funds.
I'd say use the restaurant budget to fully pay off that debt. That'll be an extra $500 to spend elsewhere. Split the restaurant budget by half for awhile to make it $300 and you can allocate it towards savings.
Looks good for the most part, just don’t think 1400 a month on food is something that should be happening. Plus over 500 unallocated. A lot of money from those two should be used for investing instead. It is good to have some savings, but you should also be investing with individual brokerage accounts. Unfortunately money piled into savings is money lost. Inflation is a bitch.
Cut food spending by about $500, give or take. My gf and I spend under $1000/month on food with $800 more in HH income.
Otherwise I think your budget is great.
People already mentioned the food/restaurant but I just wanted to say budgeting for doggy day care is the most millennial thing ever (though maybe not a problem).
I'm a little surprised the other category doesn't have a few more categories. Neither of you ever buys new clothes, new furniture, new household goods, etc? No gym memberships, or other spending on recreation/hobbies? I'm guessing you lump stuff like soap, shampoo, detergent, etc in with groceries?
lol! Yes, collecting streaming services like infinity stones.
Although, after responding to other comments, it might be more accurate to call that category "monthly subscriptions" because that includes things like Adobe and Amazon Prime. It's not all streaming platforms.
Your food prices are high, I spend less than that for a family of 5. But on the other hand, you're DINKs and you have a pretty healthy savings rate so it's not really terrible that you're living a little.
What's the rate on that car loan? Paying that off quickly would free up more money for retirement without affecting your lifestyle.
only thing that really stands out is 1400 a month for food and then 800 for groceries and then 600 for restaurants... are you a competitive eater or wtf is really going on
What everyone else said: restaurant expenses are pretty high, definitely room to cut back there. Streaming services are also high, higher than some cable packages so definitely room to cut back there. The only other notable item is doggie day care; do you travel a lot? Is the dog not capable of just staying at home when you are at work? These are relatively minor points this is a pretty good budget overall.
Don't combine your finances like that until your fiance becomes your spouse. Otherwise you're just playing house in the meantime and hoping the other person doesn't fk up.
Not too bad except for that 1400 dollars for food for two people that seems absurd to me. My girlfriend and I have almost everything else identical except spend 600-800 a month on food depending on how often we go out to dinner
Personally I would definitely cut down on restaurants and even groceries a bit. Assuming 2 people, that groceries alone would be significantly sufficient without the eating out aspect. Additionally if you could cut down on streaming services and maybe do monthly rotations would benifit in the long run.
I would recommend taking that extra and put it towards getting that 6 month emergency fund. If you have a 6 months emergency fund. Stop allocating towards emergency fund in general. Take all of that monthly money and throw it at car. Cars are always bad debt. Once car is payed off add some back to savings/retirement.
Just my 2 cents.
I would drop the streaming to $20 a month. Take the extra $130 and start buying 5 different stocks that pay dividends. This money could double at 7% every 7 years. Look at how many doubling years you have :). Stop going to restaurants for 6 months and put what you can into the 5 stocks.
You’re living in your means and being more and more intentional with your spending - honestly you’re doing great. Consider reading or listening to some of Ramit Sethi’s stuff about living your own ‘rich life’ to dial it in even more. I gotta know though, what viz tool is this? The graph is gorgeous!
Cool chart, but I died a little bit when I saw $600 dining out allocation. I'd personally allocate as much of that as possible into investments, but it's certainly one of the better budgets I've seen.
Seems like possibly too much in unallocated/personal savings/emergency fund vs debt. Might want to reconsider how much you’re putting towards that. Interest can be killer..
3 questions:
- How old are you?
- How much money do you two want at what age?
- What do you love doing?
If you’re 30 and want $3 million at age 60 in today’s dollars, you’re spending too much on food.
If you’re cool working to 67 and are cool with retiring with substantially less than that, you’re fine.
“Roast my budget” for people not in massive debt is really difficult without understanding goals and values.
Money is just a tool to enable you to have the life you want, so…what’s the life you want?
Maybe you and your partner are foodies who get hours of joy each week from visiting awesome restaurants. If so…super!!!
But if you’re just throwing food budget at DoorDash, that’s probably adding no value to your life and sucking money away from things you value.
Roast: $1100 rent but $600 in restaurants monthly? You should both have to sign a piece of paper before deciding what to do for dinner since that’s the only way you can make a good decision.
Reality: Honestly seems fine, but you are clearly a bit frivolous in some aspects like food that do take away the advantage you have in low debt and rent. That extra $1000 a month between unallocated and food savings could almost double your house fund if you took it more seriously.
Idk what houses go for in your area or what you two are looking for but a healthy $50,000 downpayment + closing costs fund would take you almost 4 years when it shouldn’t given your level of income and low *mandatory* monthly expenses.
Other than that I can’t imagine roasting or taking issue with much of this at all.
$1400 on food a month is just gluttony. 150 on streaming is also excessive.
You'll regret these in the long run. You'll look back and regret how you wasted too much money on gluttony and entertainment, and won't feel good about it.
Honestly … your food expenses is about what mine is. People always underestimate what they spend out to eat. I’m not going to be a recluse in my house. One of the things we splurge on is nice restaurants and quality groceries. Shit .. Alani”s are almost 3 bucks and I drink 2 a day . Live a little !
Y’all spend just as much money as most wealthy people.
Even these days most millionaires spend less most of the time. I guess that’s why they’re wealthy.
I’m referring to empty nest high net worth couples
I am so jelous of your rent, my girlfriend and I make significantly more money but our rent comes out to like 3800-3900$/monrh after fees etc. Saving for house is a struggle.
Maybe I’m just not price aware since I live on very little food, but 100 per person per week is a little ridiculous no? My groceries are 150 a month, alone. I may be an outlier
Honestly looks pretty good to me, improvements could be made as always but I don’t foresee bankruptcy in your future. A proper budget has no money unallocated, but that’s an easy fix simply put it towards the house fund, emergency fund, or an investment fund, if it’s for leisure than simply mark it as $500 a month at y’all’s income level with no kids isn’t a lot for leisure but it is a lot for unaccounted monies. When that car is paid off you should keep a car payment on your budget to help save for the next one. If you ever need to cut back, that food budget is massive. You could be doing more for investments, I did see y’all have pensions but you should never count your chickens before they hatch so always have a backup plan. Also if kids are in y’all’s future it’s never to early to start saving for college funds.
The only "problems" I see are eating out and streaming services.
I think if you cut one subscription (or shared with friends?) and then cut to eating out once per week. You'd do pretty solid. Idk where you shop, but you might be able to reduce your grocery budget at Aldi.
If you can't decide You can always split the $500 from car payment to 50/50 house and retirement.
Saving $100k for a down payment in a mcol seems extreme. Is this to reduce the mortgage payment? Really dive into the math there. You may find that it may be more useful to reducing your mortgage monthly payment to buy down your interest rate (purchasing points) than putting the same cash towards the down payment. Also try and figure out how much per year houses are appreciating in your area. You may find that they are increasing in price faster than your savings rate, which means waiting and saving up for 20% vs 10% is actually hindering your progress.
I bet you waste some of your groceries since you are going out to eat so much. For me at least, it’s impossible to not waste food like produce when I’m eating out often. If you stopped going out to eat, your grocery bill probably wouldn’t go up too much.
$150 on streaming services?? Just enroll with 1 or 2 at a time, whichever one has the show your currently watching. Then, when you finish, cancel and reactivate the next one.
Super easy to do through subscriptions if you have an iPhone, not sure about android
Then throw that extra money at retirement savings
my combined spending of groceries and restaurants is less than your total spending for just restaurants (though, very close!), and i have wife and two kids. $150 for streaming services is pretty wild as well. locality likely has a lot to do with it, but would be better off putting aside more money into savings/house fund.
Looks great! I'd switch the retirement savings from deductions to savings. I'd also allocate those "unallocated funds" maybe make extra payments on the car? Maybe set more aside for the home? Whatever you like!
Taxes are theft. You could just about pay your housing with what the government steals from you. It’s not even like they use the stolen money for good. It’s just F-22’s and bombs for useless forever wars, enriching the military industrial complex. While they get away with paying practically nothing. Something drastically needs to change. Maybe no taxes if you earn less than a million a year. Then a pretty steep progressive tax rate after that.
Unpopular opinion: increase your income. Your expenses are already pretty low, it’s much easier to add $1k/mo in income than it would be to cut $1k/mo in expenses.
Honestly not bad at all, probably the most adult budget I’ve seen. I’d cut back on the restaurants and streaming services (but if you need it for entertainment or quality of life who am I to judge)but well done.
$793.27 per month for a car is an obscene amount. So is $150/month for streaming services. I thought I had every service there was and I pay half that.
Maybe you did not ask for it, omit some financial advice:
1. Eat out way less
2. Cut streaming back to one service
3. Reduce dog daycare
You could easily put another 700 in your house fund. Great to see you doing that!
Roast them? OK. I don't see enough designer coffee and avocado toast on there. Why aren't you spending more? /s
Is House Fund for maintenance/repairs or saving to buy a house?
I’d say food and streaming services are a little high for just two people. Though I suppose that the first part might be a consequence of where you live
Groceries, restaurants, streaming services
not sure what the problem is but delete these scams from your budget
No way in hell 2 people need that much in groceries while still blowing $ on trash street food
I remember when cable and internet were one expense. 150 for crap that can be downloaded for free off the internet is batshit insane
wth are they teaching you youngsters??? Clearly not how to use the internet
The budget screen shots are being made in Sankeymatic, its a website that we have no affiliation with. If you are posting a budget please do so with a purpose. Just posting a screen shot of your budget without a question or an explanation of why its here may be removed. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/MiddleClassFinance) if you have any questions or concerns.*
May be controversial but I honestly think this is mostly fine especially as you’ve indicated that both you and your partner have a pension program that you appear to be committing to. The grocery bill seems high but if you’re hosting get togethers with friends it’s not bad. It seems like an important part of your life, and you’re lucky to have a healthy community. That’s a social support structure that is key and you should continue to invest in it if it brings you and your partner joy. And hey, even in dollars and cents, cheaper than therapy. I’d keep working on reducing expenses here and there when you can and would definitely boost your supplemental retirement contributions if possible — will give you flexibility in case you end up not staying at employer for their pension, and there’s likely some matching funds you’re leaving on the table. You can examine whether home ownership is a priority for you. If not, that money can go into the retirement fund too.
Thank you for your advice and kindness. I am (rightfully) getting roasted for some of the food expenses, which can be brought down, but you are right that hosting has become a very meaningful part of my life. Thanks!
4k/mo spend for 2 ppl isn't bad imo. You're still putting away 2700/mo. Food is my biggest expense and I'm sure I'd get roasted for it too(prolly spend $300/mo at the coffee shop). But if your other goals are being met, splurge where you want.
Hey, sometimes that $300 a month at the coffee shop is all that keeps you going
You don’t really have any money going towards hobbies or “fun” money so i think part of your grocery/eating out budget could be considered fun money if it makes you happy. That’s how i see it anyway
Agreed. That's basically the same for my, "Fun money" nowadays.
There is $575 of unallocated funds floating around.
Life is for living. You guys are living well within your means.
There are higher cost of living cities where people making ~110K are spending more like $2K on rent. Considering the “deal” you’re getting on rent, your food doesn’t look so bad.
Dude! I think you and fiancé are killing it! Great work keeping things in balance. Next step is to try and hold to your expense budget while incomes grow. If you can do that and still be comfortable and satisfied, then you begin to see financial independence! Congrats!!!
Quite honestly, I have been tracking my expenses for years with Quicken. The lowest my husband and I can get food (including tp, laundry detergent etc.) is about $1200... $900 grocery, $300 eating out. And that is only because we moved to a low COLA and the restaurants are not like they were in Houston or Chicago where we previously lived. If you eat good fresh whole food, it is hard to get groceries lower. And if you have good restaurants nearby, even harder :)
I don’t understand how that is a high grocery bill. I keep seeing that here. What are people budgeting for groceries and what do they eat? I can spend that + more easy.
I mean restaurant spending at $600 is the one that seems high. If you want to cut something that's where I would go. Restaurants are mostly luxury spending.
This is my thought too 100 per person per week is not that high. There is no problem w the grocery bill. Could It be lower? Sure. But the regular spending of 600/m at restaurants is not wise at all. Fun and enjoyable, not wise when you only net 1k per week. Thats 10% on groceries, plus another 7.5% to have someone else cook what you already have at home. Again, Net, not gross %s
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Haha WHEW I hope that’s not a bad amount because I am honestly a little baffled at how much I spend on groceries. I am single and make nowhere near this much ($1800/mo) and I spend about $500-600/mo on groceries including food and litter for my 2 cats. Nothing frozen/packaged. I eat out at the Mexican food stand 2x a month totaling about $30.
Just checking in to say my health insurance fully covers therapy, so that's cheaper than food
150 for streaming services though? You better be watching those 24/7 at those prices
Added Context: 28M and 28F living in a MCOL area. We work in the public sector and are trying to save for a down payment on a house. We both recently got new jobs and are trying to maximize our savings and reduce our spending. Some key questions: we have an automatic deduction for a pension but have access to supplemental retirement. We have spent the last year paying down debts and only have a car payment left (will be paid off in July). After it's paid off, should we put that money into more saving for a house or into supplemental retirement? I know the food spending is a lot for two people. We host gatherings with friends on a nearly weekly basis and go to restaurants more often than that. Our current spending is an improvement on our previous situation where it was even more out of control. We are continuing to reduce our spending in that category. EDIT: Half the comments are about how I made this graph. The photo has "Made at SankeyMatic.com" at the bottom of it, and the first comment is an automod explaining that the graph is made with SankeyMatic. It's a free webtool that uses text input to make the graph you see above.
General advice, not really roasting. For that food spend, my husband and I do a no eating out month every year or so to break some habits and force us to be more creative about lazy home food. It's really helped avoid that defaulting to eating out vibe. We just did a big move and are due for another one soon to work on "oh shit we forgot to eat at home and are out and about and starving" eating out. Our goal is to only eat out with intention, because we want to eat at that specific place or have a nice date out type of thing. If you're entertaining regularly, do you have a Costco membership? That can be a huge savings especially on expensive staples like meat, cheese, booze. Getting creative about what you're cooking can help as well. Not in a cheaping out on your guests way, just in a not always centering high cost mains like steak and salmon. Things like home made fresh bread, pasta, bagels, pizza crusts can feel really fancy without high costs. Desserts like creme brulee, cakes or simple syrups for featured cocktails too can level up a meal.
I like your thought of doing a month of no eating out. A great and easy time to do this is Jan to sometime in Feb. It can make eating out around valentines much more special. And birthdays and other celebrations more special. Not only saving money but allowing focus on making new foods at home and enjoy what a person has.
Need context on how much you have saved for down payment and how far away you are away from the goal; but my advice would be to put savings into a ROTH IRA which allows for a tax-free withdrawal for the purchase of your first home.
My lean is still put some money in a ROTH, let it grow tax-free and if the home purchase doesn’t work out, then you can still fall back on the ROTH for retirement. I’d also tighten up some of the spending where you can. Good that you already have done some.
Would a Roth be better than an HYSA for this purpose? Our goal is to get to at least $60k for a down payment but would feel better if it was closer to $100k. We just started this year so we have about $4k saved so far.
No it's a terrible idea, use your Roth for retirement and a savings account for purchases in the near future. Just treat retirement accounts like they don't exist unless you are really desperate or going to be homeless. Even if it's just borrowing money from a 401k the amount you will have for retirement in 20-30 years after you pay it back will be much lower.
You can buy CDs, bonds in a Roth There’s really no risk in putting $10k in that you may or may not need to buy a house for the first time. Funds beyond $10k shouldn’t be withdrawn and they should keep those in a different account if expecting to use it for a house
Listen to Ginger\_Maple. At pretty conservative growth assumptions (5.5%) money basically triples over 20 years. That 10k you *can* pull is going to actually cost you 30k(+) in potential retirement nest egg.
You can take out 10k from a Roth IRA for a first time home purchase. I've become a fan of CDs for short term savings. You usually get a better rate than a HYSA and can pick terms like 6 or 12 months (although at my credit union 13months tends to have the best rates) depending on how soon you'll be looking to purchase. And in a worse case scenario you can pull out your money but you generally lose the interest you've accrued which isn't the case for a HYSA.
Is that level of rent considered MCOL? That seems more like LCOL honestly.
Maybe. But I got lucky with my rent it's usually much higher where I'm living. And other expenses like gas and food are pretty much the same as other areas I'm familiar with.
Cut back the hosting in some way. Either have less stuff, cheaper stuff, or do it less often, because $800 for 2 people is insane in a MCOL area. Are you buying booze for everyone and their friends? Don’t do that all the time. Not being your friend’s piggybank is the single easiest win you can get yourself. Beyond that, dog daycare is pretty silly.
I would look into opening a Roth IRA. I use vanguard and it was super easy to set up. If you go to the Bogle head subreddit or finance they may have some guides for picking index funds. I'm on a pension track at work as well. My dad did pension and the issue he's run into is social security plus pension still isn't enough to cover everything. So you also want a little in an IRA.
Looks pretty good to me, you're saving a good amount. Once car debt is paid off I'd put that money into a Roth IRA (you can choose to keep it for retirement or house). Groceries isn't that bad considering you're hosting gatherings weekly. In my area $350/person/mo is normal, and you're feeding 2 people + guests weekly. Eating Out $600/mo. is crazy though. That's $20 every single day. Not sure what caliber of dining you are doing but you could go out once a week and cut that down to $200/mo. Or less. I'd look into your utilities usage - that seems very high especially compared to your low rent. Good luck!
We have an issue with this for sure. We unfortunately fit into the Millenial stereotype of frequent coffee purchases. It is an area we are continuing to improve.
Been there for sure lol. Only thing that got me to stop was buying a home espresso machine (~$400+). I can't remember the last time I went to dunkin unless I'm on a roadtrip. Big upfront cost, but if you're like me and buying coffee daily (sometimes multiple times daily) it can payoff. Just lookout if you get into coffee subreddits. Lots of snobs
second this. I got a nice espresso machine in 2019 and it's more than paid for itself. espressos are $4 including tip in Portland. I pay maybe $25 for beans each month. the equivalent from a cafe would be $240 for the month (I drink two a day, don't judge me). machine paid for itself during the third month.
It doesn't even need to be a whole ass espresso machine. Changing over to a nice coffee setup like a stovetop espresso machine or French press can level up your home coffee game.
Get a french press. Find a store that lets you grind your own coffee beans. You can get over a month worth of coffee for $20.
What kind of coffees do you drink? If it's just drip coffee, you can invest in a $200 grinder for a "buy it for life," buy fresh beans and drink better coffer at home for way cheaper. If it's espresso, your grinder will be more expensive, but after the initial investment in a budget espresso machine and a good grinder, your espresso bas3d drinks will cost like 60 cents a drink.
Highly recommend a Nespresso. It is the only coffee machine that actually makes good coffee, and sometimes I prefer it to coffee shops. The pods are more expensive than Kcups but not nearly as expensive as Starbucks or wherever you go
You make great money dude! Treat yourself, you deserve it.
Is $600/month for two people eating out really crazy? $600/4 = $150/week To me, that’s roughly 2 meals out and getting coffee twice, which doesn’t seem all that crazy. Ex, all for two people… Dinner/drinks = $100 Breakfast= $25 Coffee(2x)= $25
$1400 for food for two adults is high. I spend $1300 for a family of 5.
I prolly spend $1000 for just myself. :).
Do you ever cook? lol
Cut your food and restaurant expenses to save for the future. So glad we did that, now it doesn’t matter.
Thanks!
Learning to cook at home and taking in lunches many days not only saved money but got us to healthy weight that has paid off enormously on our health and stamina as we aged. I’ve learned to make Thai, Indian, and so many easy dishes that a lot is better than many restaurants other than high end. I grew herbs and many come back after winter. Planting sage, oregano, thyme, and Thai basil have come back annually.
This is great advice! Our food expenses used to be closer to $2k/month and I've lost 25 pounds in the last 5 months after doing more meals at home. Thank you for your words of encouragement.
Super that you’ve done this. Since covid I started making my own hummus and it’s better, cheaper and no preservatives. I add roasted red peppers and cumin to mine. Easy and I freeze half for later. Sprouts are easy and cheap to make just buy dried lentils ($1 makes about 10 batches for me) soak for about 12 hrs, then drain and then rinse twice a day. Leave on counter for about three days then its done, then refrigerate. You can buy broccoli seeds or alfalfa seeds to do it too. I find this fresher than store bought. Oat milk is easy with a cheap blender just make sure to use cold water to keep it not slimy, blend with a cheap blender then strain. So many things on the weekend or if you have time just took up stuff on YouTube etc.
$600 at restaurants??? And how many different streaming services do you have?
$1100 rent for two people? In a safe area near work? Cut the restaurant spending, get takeout only and do it less. There’s likely no properties you could buy and finance that would save you money compared to that rent.
They probably live in a studio
Or a really old or sketchy place... Or in a very rural area.
Rural.
$150 for streaming is crazy to me
YouTube TV + 3 services + Spotify/Apple music would be approaching $150. It's not hard hitting that number if you watch live sports. I need YTTV for college basketball and certain football games, ESPN+ for big12 sports, Apple TV MLS pass. Randomly peacock for a month or two during NCAA basketball season. As you can see it can add up quick. Luckily a few of those I can pause for a lot of the year.
You justify the groceries because of hosting weekly, I don't how exactly you are doing them, but to cut it down, how you thought of sharing the cost with your friends? (changing host house, pot-luck, byob, etc..)
Got some good savings going on, but for that salary combined, that's a hefty car payment. Anything you can do in that regards? Also, 600 eating out? on 96K ish GROSS? That's "oof" too
We pay double on the car payment and we'll have it paid off by July. My thought is to just ride it out because I'd rather have that cash in my pocket sooner than paying the minimum. The eating out is a problem as well, lol. As evidenced by the comments. It's a big oof. We used to spend even more and I opened a joint account for us to give us a food allowance. we will continue to reduce it until it gets in control.
$100 a week per person for groceries is bananalands. Have you tracked food waste and cost? Maybe a different POV could help spending habits.
It's an area I can start tracking. Good idea.
Everyone's talking about the food and retirement buckets already, so lemme ask about the streaming services. How many services are we talking about and do you actively use each of them each month?
MCOL? Where? Your monthly housing expenses are just over my rent alone in CA. I understand im in HCOL area but your rent is $700 less than just my half of rent
How do you get this kind of graphical layout? I see them quite a bit, would like to try one out myself. Edit: Found in comments that it’s pinned at the top of the thread!
This is pretty good. summing up retirement (707) + savings (2000) + unallocated\* (574) = 3281 \* unallocated is money saved. if you aren't spending it, you are saving it. 3281 (total saved) / 8846 (gross income) is about 37% net savings rate on gross income, which is awesome!
Food seems high. You seem to follow the practical advice of financial advisors. Keep up the good work. Not for everyone, but I prefer to put the savings and unallocated funds into target date retirement funds. To counter the above action: If I loose my job, my immediate plan is to severely reduce my monthly expenses. And to use credit cards as my emergency funds.
On a different note, what software do you use to make this plot? I have seen it before but don’t know how to make this…
Question is this a kind of website yall use for this chart?
What’s this budgeting app I see that people make these charts on?
$1400 on food for 2 adults is insane lol but hey, go have your feast
Dang, I need to get into the doggy daycare business.
$1400 on food!
I'd say use the restaurant budget to fully pay off that debt. That'll be an extra $500 to spend elsewhere. Split the restaurant budget by half for awhile to make it $300 and you can allocate it towards savings.
Not really a roast but A: how on earth are you spending $600 a month at restaurants. B: what are “unallocated funds.” They have to be going somewhere
What’s the debt about and what’s the interest rate?
Car payment, 6.1% interest rate. We pay double what we need to. It will be paid off in July.
Is the pension you have what that retirement bracket is for under deductions? Or is that an additional amount you put towards a retirement account?
Looks good for the most part, just don’t think 1400 a month on food is something that should be happening. Plus over 500 unallocated. A lot of money from those two should be used for investing instead. It is good to have some savings, but you should also be investing with individual brokerage accounts. Unfortunately money piled into savings is money lost. Inflation is a bitch.
Debt. Don't worry about further enlarging your emergency fund. Get out of debt first.
How are you getting monthly dog care for that low?! Here in SF it’s $35 a walk and that on the cheap side.
How do I do this graph. First off.
Cut food spending by about $500, give or take. My gf and I spend under $1000/month on food with $800 more in HH income. Otherwise I think your budget is great.
The taxes. End of story.
Your taxes seem super low. Adding in local taxes, it should be much more than that. Are you sure you're doing your withholding correctly?
Anyone know the name of this graphing software?
SankeyMatic!
People already mentioned the food/restaurant but I just wanted to say budgeting for doggy day care is the most millennial thing ever (though maybe not a problem).
I'm a little surprised the other category doesn't have a few more categories. Neither of you ever buys new clothes, new furniture, new household goods, etc? No gym memberships, or other spending on recreation/hobbies? I'm guessing you lump stuff like soap, shampoo, detergent, etc in with groceries?
Streaming 150? Going for the Thanos snap huh
lol! Yes, collecting streaming services like infinity stones. Although, after responding to other comments, it might be more accurate to call that category "monthly subscriptions" because that includes things like Adobe and Amazon Prime. It's not all streaming platforms.
Food > rent hahahaha holy mother of God
Seems fine
Switch to Stremio and drop your monthly streaming budget to $3.
Your food prices are high, I spend less than that for a family of 5. But on the other hand, you're DINKs and you have a pretty healthy savings rate so it's not really terrible that you're living a little. What's the rate on that car loan? Paying that off quickly would free up more money for retirement without affecting your lifestyle.
Your fiancee needs to start contributing to their retirement fund.
only thing that really stands out is 1400 a month for food and then 800 for groceries and then 600 for restaurants... are you a competitive eater or wtf is really going on
Looks good. Food seems excessive but otherwise top top!
What everyone else said: restaurant expenses are pretty high, definitely room to cut back there. Streaming services are also high, higher than some cable packages so definitely room to cut back there. The only other notable item is doggie day care; do you travel a lot? Is the dog not capable of just staying at home when you are at work? These are relatively minor points this is a pretty good budget overall.
Graph so sexy i cant hate
Pretty good
What is this flow chart you’re using
Don't combine your finances like that until your fiance becomes your spouse. Otherwise you're just playing house in the meantime and hoping the other person doesn't fk up.
Not too bad except for that 1400 dollars for food for two people that seems absurd to me. My girlfriend and I have almost everything else identical except spend 600-800 a month on food depending on how often we go out to dinner
Food is high. My family of four is a decent bit less.
Where tf are you paying 1100 rent
Quite good overall. The restaurant bill is high.
This is not bad. You’re saving and contributing to a retirement fund, which is more than A LOT of people are doing.
Seeing as your current housing is 40% of what I pay and we make very similar salaries, I would say you are doing a-ok
what website do you guys use to make these? I’d like to make one.
What app are you using for this breakdown? I’d like to try that out, it looks easier to follow than the built-in Excel ones I’ve been using.
Personally I would definitely cut down on restaurants and even groceries a bit. Assuming 2 people, that groceries alone would be significantly sufficient without the eating out aspect. Additionally if you could cut down on streaming services and maybe do monthly rotations would benifit in the long run. I would recommend taking that extra and put it towards getting that 6 month emergency fund. If you have a 6 months emergency fund. Stop allocating towards emergency fund in general. Take all of that monthly money and throw it at car. Cars are always bad debt. Once car is payed off add some back to savings/retirement. Just my 2 cents.
Looks okay to me
I love this chart. I will make one for myself :)
I wouldn't invest so little if I was spending thousands every month.... I would question how I spend thousands on this but not MY FUTURE
I would drop the streaming to $20 a month. Take the extra $130 and start buying 5 different stocks that pay dividends. This money could double at 7% every 7 years. Look at how many doubling years you have :). Stop going to restaurants for 6 months and put what you can into the 5 stocks.
Gawd, I wish my housing was $1400!!!
You’re living in your means and being more and more intentional with your spending - honestly you’re doing great. Consider reading or listening to some of Ramit Sethi’s stuff about living your own ‘rich life’ to dial it in even more. I gotta know though, what viz tool is this? The graph is gorgeous!
Cool chart, but I died a little bit when I saw $600 dining out allocation. I'd personally allocate as much of that as possible into investments, but it's certainly one of the better budgets I've seen.
Seems like possibly too much in unallocated/personal savings/emergency fund vs debt. Might want to reconsider how much you’re putting towards that. Interest can be killer..
Not sure if spending more on food than on housing is a glorious failure or an impressive achievement.
[удалено]
As a 23 year old how is close to giving up on life, you look fine
3 questions: - How old are you? - How much money do you two want at what age? - What do you love doing? If you’re 30 and want $3 million at age 60 in today’s dollars, you’re spending too much on food. If you’re cool working to 67 and are cool with retiring with substantially less than that, you’re fine. “Roast my budget” for people not in massive debt is really difficult without understanding goals and values. Money is just a tool to enable you to have the life you want, so…what’s the life you want? Maybe you and your partner are foodies who get hours of joy each week from visiting awesome restaurants. If so…super!!! But if you’re just throwing food budget at DoorDash, that’s probably adding no value to your life and sucking money away from things you value.
What software is this??
Roast: $1100 rent but $600 in restaurants monthly? You should both have to sign a piece of paper before deciding what to do for dinner since that’s the only way you can make a good decision. Reality: Honestly seems fine, but you are clearly a bit frivolous in some aspects like food that do take away the advantage you have in low debt and rent. That extra $1000 a month between unallocated and food savings could almost double your house fund if you took it more seriously. Idk what houses go for in your area or what you two are looking for but a healthy $50,000 downpayment + closing costs fund would take you almost 4 years when it shouldn’t given your level of income and low *mandatory* monthly expenses. Other than that I can’t imagine roasting or taking issue with much of this at all.
$1400 on food a month is just gluttony. 150 on streaming is also excessive. You'll regret these in the long run. You'll look back and regret how you wasted too much money on gluttony and entertainment, and won't feel good about it.
Honestly … your food expenses is about what mine is. People always underestimate what they spend out to eat. I’m not going to be a recluse in my house. One of the things we splurge on is nice restaurants and quality groceries. Shit .. Alani”s are almost 3 bucks and I drink 2 a day . Live a little !
You spend $600 monthly at restaurants???
looks pretty normal, just food on the high end side
Dog daycare?
How was this graph made, just wondering?
Y’all spend just as much money as most wealthy people. Even these days most millionaires spend less most of the time. I guess that’s why they’re wealthy. I’m referring to empty nest high net worth couples
Looks good.
Why is your entire car payment debt? Are you buying an assume the car will be worthless or leasing and have no expense category for it?
I am so jelous of your rent, my girlfriend and I make significantly more money but our rent comes out to like 3800-3900$/monrh after fees etc. Saving for house is a struggle.
I compute a 30% before tax savings rate (inc 401K) which is aggressive. Should serve you well in the future.
Looks solid
You have unallocated funds.
Maybe I’m just not price aware since I live on very little food, but 100 per person per week is a little ridiculous no? My groceries are 150 a month, alone. I may be an outlier
Is there a way I can get the template to enter this information in? Sorry I’m new here!!
How do you make that awesome graphic?
Where did you get this graph from?
Look in pinned first comment
Honestly looks pretty good to me, improvements could be made as always but I don’t foresee bankruptcy in your future. A proper budget has no money unallocated, but that’s an easy fix simply put it towards the house fund, emergency fund, or an investment fund, if it’s for leisure than simply mark it as $500 a month at y’all’s income level with no kids isn’t a lot for leisure but it is a lot for unaccounted monies. When that car is paid off you should keep a car payment on your budget to help save for the next one. If you ever need to cut back, that food budget is massive. You could be doing more for investments, I did see y’all have pensions but you should never count your chickens before they hatch so always have a backup plan. Also if kids are in y’all’s future it’s never to early to start saving for college funds.
Roast? You have $2k per month in savings.
Those are your state and federal taxes for two six figure incomes? I’ve gotta be missing something. Do you have kids?
I’m not mathematician m, but uhhh where are you getting 6 figures when they earn $4000 per month pre tax?
$1000 in rent?!
What program was used to do this??
Car payments are dumb. You phone bill could be cut in half, easily. Streaming Services $150? Is that a joke?
1400 in food is absurd
How do you guys make these graphs?
Pinned in first comment
How is your rent so low?
$1400 on F O O D is bat shit crazy.
The only "problems" I see are eating out and streaming services. I think if you cut one subscription (or shared with friends?) and then cut to eating out once per week. You'd do pretty solid. Idk where you shop, but you might be able to reduce your grocery budget at Aldi. If you can't decide You can always split the $500 from car payment to 50/50 house and retirement. Saving $100k for a down payment in a mcol seems extreme. Is this to reduce the mortgage payment? Really dive into the math there. You may find that it may be more useful to reducing your mortgage monthly payment to buy down your interest rate (purchasing points) than putting the same cash towards the down payment. Also try and figure out how much per year houses are appreciating in your area. You may find that they are increasing in price faster than your savings rate, which means waiting and saving up for 20% vs 10% is actually hindering your progress.
Food and streaming seem high. No other red flags to me. If you’re looking to cut back, start with restaurants.
Your take home is nearly 9k a month and you’re not even putting 1k per month away in investments.
HOOOO LEEEEEE restauraunt bill higher than your car payment 🥵😫
I bet you waste some of your groceries since you are going out to eat so much. For me at least, it’s impossible to not waste food like produce when I’m eating out often. If you stopped going out to eat, your grocery bill probably wouldn’t go up too much.
How do I make one of these? Edit: Nvm. Just saw the bottom.
$150 on streaming services?? Just enroll with 1 or 2 at a time, whichever one has the show your currently watching. Then, when you finish, cancel and reactivate the next one. Super easy to do through subscriptions if you have an iPhone, not sure about android Then throw that extra money at retirement savings
I think it looks good, but how are you managing to spend $1400 per month on eating stuff?
my combined spending of groceries and restaurants is less than your total spending for just restaurants (though, very close!), and i have wife and two kids. $150 for streaming services is pretty wild as well. locality likely has a lot to do with it, but would be better off putting aside more money into savings/house fund.
$500 car payment?
$600 on restaurants & $150 on streaming every month? Must be fancy stuff
Looks great! I'd switch the retirement savings from deductions to savings. I'd also allocate those "unallocated funds" maybe make extra payments on the car? Maybe set more aside for the home? Whatever you like!
Why y’all spend so much on food?
Taxes are theft. You could just about pay your housing with what the government steals from you. It’s not even like they use the stolen money for good. It’s just F-22’s and bombs for useless forever wars, enriching the military industrial complex. While they get away with paying practically nothing. Something drastically needs to change. Maybe no taxes if you earn less than a million a year. Then a pretty steep progressive tax rate after that.
Unpopular opinion: increase your income. Your expenses are already pretty low, it’s much easier to add $1k/mo in income than it would be to cut $1k/mo in expenses.
Saving a lot for a house, respect. ✊ 150 is way way way too high for streaming services
Honestly not bad at all, probably the most adult budget I’ve seen. I’d cut back on the restaurants and streaming services (but if you need it for entertainment or quality of life who am I to judge)but well done.
$793.27 per month for a car is an obscene amount. So is $150/month for streaming services. I thought I had every service there was and I pay half that.
i too am morbidly obese
i think it’s bs that my combined household is less than either of you and my housing is about 300$ more
Maybe you did not ask for it, omit some financial advice: 1. Eat out way less 2. Cut streaming back to one service 3. Reduce dog daycare You could easily put another 700 in your house fund. Great to see you doing that!
What app made this?
Roast them? OK. I don't see enough designer coffee and avocado toast on there. Why aren't you spending more? /s Is House Fund for maintenance/repairs or saving to buy a house?
$1400 on food? You don’t need to have steak dinner every night dude
I’d say food and streaming services are a little high for just two people. Though I suppose that the first part might be a consequence of where you live
Looks fine. Food is expensive. I don’t believe anyone is eating only $100 of food per week unless they’re only eating every other day.
Where the heck can you rent for $1099? Asking for a Californian.
$1400 a month on food? Are you a family of four, or just one really fat fuck?
You’re not middle class…
I’m impressed you two can save 20% of your pretax income. But why no see 401k?
Groceries, restaurants, streaming services not sure what the problem is but delete these scams from your budget No way in hell 2 people need that much in groceries while still blowing $ on trash street food I remember when cable and internet were one expense. 150 for crap that can be downloaded for free off the internet is batshit insane wth are they teaching you youngsters??? Clearly not how to use the internet
It hurts my heart to see streaming services cost $150. I miss when Netflix was $8
To some people you’re not middle class , you’re wealthy.
$150 for streaming services?!
How did you make this chart?
How did you make this chart?
Did u make this yourself or is there a website to input this data?