JUST

Or you just force people to not be retarded if they want the benefits.

Oh, she needs a $600 car, $3k apartment, $500 for cell phones, a cable plan that likely has everything?

She doesn't know how to budget and is living beyond her means.

>3k rent
excuse me

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>implying humans havent been using artifical light for millions of fucking years

It gets dark early in winter, user.

It’s when you “buy” a car you can’t afford so you have to make monthly payments for a total of more than what the car is worth

I know but still...287 seems absurd

With this level of spending she must make 150k

Nope. If she did she'd have money left over. She probably makes right around 90k-100k and lives paycheck to paycheck and then takes out payday loans when an emergency comes up.

what the fuck is light bill

Anons, I’ve decided the message
She is the leader for a rental house; she has 5+ roommates and they pool all bills. While at first it may seem she is financially incapable, after the pool pays their portions she only spends $500 on herself. You could all learn something from this wise woman.

Can we get her a hairstyle? You know the one...

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elec tray cetay

Electricity bill.

The cable is ridiculous as well.

What the fuck?
I live in Switzerland, have a big Apartment with 4 rooms and my expenses in total never cross $4000
How retarded do you have to be with money that you literally spend more than someone that lives in one of the most expensive countries in the world to live in?

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Americans have privatized light, and companies are charging you for providing you with the privilege of not living in complete darkness.

I just realized that "car note" was her car loan payment

Holy shit $600? What the fuck? That's gotta be like a
>does math
$35,000 car

To be honest I thought it was gonna be a lot more. I've never spent more than $5k on a car, but I figured it was gonna come out to at least $60,000

She can't afford to live above her means, like she's currently doing. 3000 a month rent is an exorbitant amount and 600 dollar car payment means she's driving something worth at least 35-40k. Downgrade to a worse neighborhood and get a shitbox and suddenly shed have 2k per month less bills.

"I make 15 dollars an hour but I bought a new Mercedes and now I can't make ends meet capitalism has failed me" fuck off

I'm 12k in credit card debt am I good

Living in a condo in the midwest.
Pic related is 1 person living alone.
Car is $8k but paid off.
Still using the same phone from 4 years ago.
Same laptop for 6 years.
Haven't shopped for clothes in 2 years.
Only things missing are the additional $20 cell phone service that my family pays for me.
Also, once I find a job, I'll have to pay for health insurance.
But I don't see a reason for an average person to have much more than my monthly expenses.

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>Gas bill $178
who the fuck is she, hitler?

No this is several months of not paying bills.

kek

>700 dollars a month on food
What fatty does this? That's 25 dollars a day. Are you eating 2 lbs of the best steak everyday?

What dat mouf do?

>700 on food
>150 in misc
>havent bought clothes in 2 years

Is this a troll? Or do you just stay in your pajamas all day and have no friends

>Condo
>Rent
Also, the fuck are you spending $150/mo on furniture for? I know good furniture can be expensive, but I question whether you are living within you means

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food 700????

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Based and fatpilled

Rent to own nigga. It's better than layaway cause you get to take it home

Bloatmaxxx

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See you on Waifu Wednesday, sadmin.

>that fucking expensive of rent
>using that much lighting
literally just dont use your lights unless your in the bathroom
>cable
lol
>500 dollar phone bill
>$100 on toiletries
> 300 fucking dollars on just random non essential spending
this bitch is just stupid as fuck lol

Its not all that funny without context.

Does she live in a shitfuck money hole state like CA? Does she have a family of 4? Does she make 65k+ a year? What does 'WYD' mean?

>Rent to own
What's the total cost, though? Aren't you better off buying something really cheap at a garage sale, saving your money, then buying the item straight up?

>What does 'WYD' mean?
What're You Doing

unironically spend at least $20 bucks on food a day, at least 600 a month. Im not even fat I just like good ass food mang

if someones offering zero percent financing and you got the money to buy it out right, take the fucking financing.

I like this idea.

If you're paying 3k a month you're near the city center. You should either walk everywhere, or, if you want an expensive ass car you move to where it's cheaper to rent.

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probably takes 30 minute hot showers twice a day. Women have no idea how to budget and spend in their limits. I don't blame them though they've only been doing it for like 60 years

>0% for six months
>back rate of 26% on full purchase price if not paid in full by six months
Niggers always fall for this

>the privilege of not living in complete darkness.
Lol when you put it that way... Do other countries seriously not pay for electricity?

Pretty sure at this point most Eurocucks have a 95% tax rate. They get all the essentials paid for by the government, but that extra 5% lets them splurge on things that have an additional VAT.

>rent 2995$
>car 600$
>cable 210$
>cell phone 500$
>toiletries 100$

>turning your own body into trash from the inside out by eating literal shit
never gonna make it

Niggers will fail even if everything is given to them. They're just lazy, low iq, and constantly put a short term benefit before a long term one.

Your food budget should be 200-300 a month...

If she works hard she'll eventually be able to afford it right? After all, we can all make if if we try hard enough.
>No
If she works smart, she'll be able live with a modicum of financial security, right?
>No
If she has valuable skill sets, then she should be in high demand right?
>she might not have the right skill sets, she'd need to go to trade school or get a degree for that
So it's OK if she takes out loans for school, stops working, applies for food stamps, and goes on section 8 right?
>I don't think so
Let's back up, maybe she might know someone who's rich and can hook her up with a well paying job
>she wouldn't be in this situation if she knew someone who would do that

Someone add more onto this back and forth. I can't think of anything else at the moment.

something something black people and materialism like jordans, polo ralph lauren, and mercedes benz

>rent $2995
what the actual fuck?

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min wagie jewb: +$1650 after taxes
muh car note: -$150
insurance: -$125
utilities: -$60
food: -$200
student loan: -$165
rent: -$700
browsing Jow Forums: $0
-------------------------------
per month savings: $250 (invest all into LINK)

the best thaaaangz in life are free Jow Forumsbros
pee pee poo poo

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what fuck ass place in america has these high prices for utilities. i'm literally in NYC and I don't pay this much for living

this person is dumb and being taken for ride

>student loans
>minimum wage job
oops

>the best steak
>$25

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I only eat meat and steak when it's worth it. Last time I had steak was a 28 day dry aged Rib-Eye with Bone Marrow Butter and Foie Gras. It was delicious.

rent: $700
phone: $50
bills: like $100 a bit more in winter
food: $400
Savings: $2000

>what fuck ass place in america has these high prices for utilities
If you live in LA then you can blast the air conditioner whenever youre home during the summer months and you get $300+ in electricity bills.
>t.someone who blew that kind of money on home cooling that one time

Oh no that poor lady can't even afford a $6,000 a month lifestyle. We should give her more benefits, we just raise the taxes, it doesn't matter if that money was going to be invested in a third world country and create thousands of jobs there, I know those people can wait until this poor lady can have her $6k a month guaranteed.

Now that we're at it we should also put tariffs and ban imports, those cheap products imported from third world countries might be lowering her wages, I'm sure third worlders will understand it's a very special situation.

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also caring too much about appearance idk

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>per month savings: $250 (invest all into LINK)
>the best thaaaangz in life are free Jow Forumsbros
>pee pee poo poo

This is why you'll go homeless in your late 20s / early 30s.

>We should give her more benefits, we just raise the taxes
You mean welfare capitalism? I certainly don't want that. Eventually the money runs out and we return back into this situation where the poor are immiserate and become agitated.

God Bless America.

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you fell for my larp user, i'm actually unemployed :]

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Based economical aw11

I love in an apartment in the MW. My monthly is around $1020 if I highball everything.
>rent 500
>electric 80
>water 50
>cell 90
>food 300
>gas like $20 if I only go around town (fuckin $2.15 rn)

Holy shit I can't wait for the retarded coasties to come shit up my cost of living. Fucking locusts.

fuckin kek

Another retard that can't do basic math and live below their means.

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:-)

All the shit not included is annual or paid for. For example my internets is 100u/100d and free with the rent. I pay car + renters insurance once a year for $800, amazon prime once a year $100 or whatever, and register my car annually with The Peoples' State of Illinois for $103. I think that's fucking everything unless I start including oil changes and weird shit.

Can't believe some people pay more for a studio in NY than my entire combined expenses.

mfw im spending $185 a month on rent while a nigress somewhere out there spends $3000

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>$185/mo on rent
do you live in a closet

Probably lives out in the middle of fucking nowhere.

this is $200
otodom.pl/oferta/kawalerka-przy-ul-wyszynskiego-ID3Rvuc.html?

living in poland has its perks

its basically in the middle of the city btw

I make 100k and dont pull in 6k monthly after taxes.

>3k rent

What the fuck!?!??!?!?

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You can't be serious?

>rent 2995
You life in a home too expensive for you (or you get ripped off)
>Gas note 400
how?
>Cable 210
Why do you use cable in the current year?
>Cell Phone 500
>FUCKING 500????
This is just retarded
>grocery 400
>for two people
Just buy cheaper stuff and only necessarities
>miscellaneous 300
If you have 0 money, you have to cut everything else.

This apartment is 270 square feet.... So you really are living in a closet.

so a guy who basically signed up for indoctrination got indoctrinated, the system failed him, and he wants them to rape him more.
ok.

Too lazy to even finish making a point

Could use better furniture but cozy af

that handwriting literally makes me look like the real nigger

Where the fuck is this? Here in Europe (Netherlands) I pay:
>80$ gas and light
>5$ water
>45$ cable
>20$ cellphone
Groceries and insurance is about the same.

Hier in België:
145€/gas and elek
20€ water
80€ internet and cellphone (best possible contract though)
20€ health insurance / month

Lekker lage health insurance.