Jump to content
Search In
  • More options...
Find results that contain...
Find results in...
saif961

what do working adult spend money on?

Recommended Posts

Posted · Original PosterOP

so im almost graduating from my university, and i was wondering, what do working young male adults typically spend money on?

from where i live i estimate a monthly salary of $5500 - $8100 hopefully, and i was thinking where does the money go? 

 

if my salary were to be $8100 then

$2700 would go to my mother

$2700 monthly payment to the bank would go constructing a house for me from a land we own 

$1900 would be monthly payment go for an C63s AMG mercedes car

 

that leave me with $800 extra for me to spend, which is fine and all but what else should i expect myself to spend on when i work?

 

(note we dont pay taxes where we live, just thought about mentioning it)

Link to post
Share on other sites
3 hours ago, saif961 said:

so im almost graduating from my university, and i was wondering, what do working young male adults typically spend money on?

from where i live i estimate a monthly salary of $5500 - $8100 hopefully, and i was thinking where does the money go? 

 

if my salary were to be $8100 then

$2700 would go to my mother

$2700 monthly payment to the bank would go constructing a house for me from a land we own 

$1900 would be monthly payment go for an C63s AMG mercedes car

 

that leave me with $800 extra for me to spend, which is fine and all but what else should i expect myself to spend on when i work?

 

(note we dont pay taxes where we live, just thought about mentioning it)

Groceries? 

 

Where the hell do you live if there are no taxes?


i7 7700k @ 4.2GHz

Asus Strix OC 1080Ti

ROG Maximus IX Hero

EVGA G2 850W

32GB DDR4 (16x2) @ 3000Mhz

X62 Kraken

Creative Soundblaster Zx

Windows 10 Pro x64

Phanteks Primo

Link to post
Share on other sites

He won't say...:p hehe

Imagine 50000 new people moving next door.

 


Maximums - Asus Z97-K /w i5 4690 Bclk @106.9Mhz * x39 = 4.17Ghz, 8GB of 2600Mhz DDR3,.. Gigabyte GTX970 G1-Gaming @ 1550Mhz

 

Link to post
Share on other sites
Just now, SkilledRebuilds said:

He won't say...:p hehe

Imagine 50000 new people moving next door.

 

Civilization usually goes with taxes.


i7 7700k @ 4.2GHz

Asus Strix OC 1080Ti

ROG Maximus IX Hero

EVGA G2 850W

32GB DDR4 (16x2) @ 3000Mhz

X62 Kraken

Creative Soundblaster Zx

Windows 10 Pro x64

Phanteks Primo

Link to post
Share on other sites
  1. Rent / mortgage
  2. Food, etc. - supermarket stuff
  3. Utilities (electricity, gas, water, etc)
  4. Other services (internet, cellphone, whatever you may subscribe to)
  5. Going out / eating outside
  6. Transportation (public transportation tickets, cabs, own car's expenses, etc)
  7. Health care (doctors, medicines, etc.- depending on where you live and/or what you do, you may pay in part or in full, and you may also have some health insurance to the #4)
  8. Unplanned expenses: house/car/appliances repairs, as well as purchases of appliances etc. at some point
  9. Cloths (at some point or another)
  10. Leisure (movie tickets, concert tickets, etc), gifts to other people, and stuff you just like (a new PC component, a book, decorative stuff... whatever it may be)
  11. Travelling / vacations, if and when that happens.

Some expenses only occur every so often, so you need to set some money aside for when that happens (or eventually end up adding #12: debt installments :P)

 

PS: That's a list for childless adults.

Edited by SpaceGhostC2C
Link to post
Share on other sites
3 hours ago, saif961 said:

so im almost graduating from my university, and i was wondering, what do working young male adults typically spend money on?

from where i live i estimate a monthly salary of $5500 - $8100 hopefully, and i was thinking where does the money go? 

 

if my salary were to be $8100 then

$2700 would go to my mother

$2700 monthly payment to the bank would go constructing a house for me from a land we own 

$1900 would be monthly payment go for an C63s AMG mercedes car

 

that leave me with $800 extra for me to spend, which is fine and all but what else should i expect myself to spend on when i work?

 

(note we dont pay taxes where we live, just thought about mentioning it)

Honestly if you don't know what to spend money on then you shouldn't be thinking of a near $2k car payment. Also at 8100 you would likely see a bring home of around 6k. Probably less. With taxes coming out (which would would be up there if you have a 6 figure salary) along with insurance and any other items coming from your paycheck you're not going to see anything close to the full salary you would make gross.

 

I think you are overly estimating this. Also I'd like to know what field you are going in because doctors and lawyers don't make that much coming out of university. (Also when you say you don't pay state taxes or sales tax? If you live in the US everyone pays taxes.)


Main Rig CPU: AMD Ryzen 5 2600 GPU: AMD MSI RX580 MB:ASUS TUF Gaming B450M-Plus RAM: Crucial Ballistix 32gb DDR4 3000MT/s CPU Cooler: Stock AMD SSD: Crucial 250gb M.2 + Crucial 500gb SSD HDD: 4TB Seagate Baracude PSU: Corsair CX650M Case: Corsair Carbide 275R KB: Corsair K70 RGB MK.2 SE MOUSE: Corsair M65 Pro RGB HEADSET: Corsair Void Pro RGB

 

Linux Ubuntu Rig CPU: Intel i3 6100 GPU: N/A MB: Gigabyte GA-B150M-DS3H RAM: Crucial Ballistix 1x8gb DDR4 2400MT/s CPU Cooler: Stock Intel SSD: N/A (8GB USB drive used for OS) HDD: 1TB Seagate Barracuda/500GB Seagate Barracudax2 PSU: Corsair CX750M Case: Corsair Spec-01 KB: Same as Main

 

MacBook Pro: Late 2016 with 8gb RAM, 256gb SSD, i5 CPU.

Link to post
Share on other sites
1 minute ago, Psybadek said:

I think you are overly estimating this. Also I'd like to know what field you are going in because doctors and lawyers don't make that much coming out of university. (Also when you say you don't pay state taxes or sales tax? If you live in the US everyone pays taxes.)

Saif sounds Middle-Eastern, probably some place like UAE. There's no taxation over there, keeps people from overthrowing repressive governments.


i7 7700k @ 4.2GHz

Asus Strix OC 1080Ti

ROG Maximus IX Hero

EVGA G2 850W

32GB DDR4 (16x2) @ 3000Mhz

X62 Kraken

Creative Soundblaster Zx

Windows 10 Pro x64

Phanteks Primo

Link to post
Share on other sites
3 minutes ago, Raskolnikov said:

Saif sounds Middle-Eastern, probably some place like UAE. There's no taxation over there, keeps people from overthrowing repressive governments.

OK well that is a bit more understandable then.


Main Rig CPU: AMD Ryzen 5 2600 GPU: AMD MSI RX580 MB:ASUS TUF Gaming B450M-Plus RAM: Crucial Ballistix 32gb DDR4 3000MT/s CPU Cooler: Stock AMD SSD: Crucial 250gb M.2 + Crucial 500gb SSD HDD: 4TB Seagate Baracude PSU: Corsair CX650M Case: Corsair Carbide 275R KB: Corsair K70 RGB MK.2 SE MOUSE: Corsair M65 Pro RGB HEADSET: Corsair Void Pro RGB

 

Linux Ubuntu Rig CPU: Intel i3 6100 GPU: N/A MB: Gigabyte GA-B150M-DS3H RAM: Crucial Ballistix 1x8gb DDR4 2400MT/s CPU Cooler: Stock Intel SSD: N/A (8GB USB drive used for OS) HDD: 1TB Seagate Barracuda/500GB Seagate Barracudax2 PSU: Corsair CX750M Case: Corsair Spec-01 KB: Same as Main

 

MacBook Pro: Late 2016 with 8gb RAM, 256gb SSD, i5 CPU.

Link to post
Share on other sites

Bills, rent and groceries. The rest is spending money for whatever you could possibly want if you're responsible with it.

If you're not then you buy a house you can't afford, a car you can't afford and an expensive mobile phone plan you can't afford.

I've seen what being in debt does to people growing up in a poor household... Told myself I'd never be in such a situation, which so far I'm over 10 years in my adult life and have been debt free the whole time all the while managing to save up enough money to live comfortably for a couple months if anything goes south.
 

Don't waste your money on frivolous expenses kids, pay off your debt ASAP even if you have to lower your living standards for a couple years, be it living in a cheap 1 room apartment, getting a dirt cheap phone plan with maybe 1GB of data at most(free wifi in many places these days and at home) and taking public transit instead of getting a car(for which you'll need to pay insurance, plates, repairs, monthly cost.... it all adds up and when you have debts, especially a student loan, it can be hard to come out on top of it all, sometimes you have no choice but to have a car though, but maybe don't get a brand new 50k car, settle for something a lot cheaper like a used sub 5k car).


CPU: Intel Core i7 875k / GPU: Radeon HD7970 GHz 3GB  / RAM: Crucial Ballistix Sport 8GBx2 DDR3-1600
MOBO: ASUS P7P55D-e LX / SSD: Intel 520 120GB / Case: Cooler Master HAF912 / PSU: Corsair TX850w / OS: Windows 10 Pro

Link to post
Share on other sites

PC


ASUS X470-PRO • R7 1700 4GHz • Corsair H110i GT P/P • 2x MSI RX 480 8G • Corsair DP 2x8 @3466 • EVGA 750 G2 • Corsair 730T • Crucial MX500 250GB • WD 4TB

Link to post
Share on other sites

I dunno where you're from, but I suppose you don't want to live with your mum forever (even though it's very nice of you to help her). 

 

Will a Mercedes really make you happy? It's cool and all, but if you buy a cheaper car you could save some money for your future...


I had a dream where Linus picked me up. It was wonderful. 

#BringBackLuke

Link to post
Share on other sites

Thinking about what you could spend money on is completely the wrong approach.  Instead try to minimize spending to some extent, especially when you're still young.  This is the time to build a financial reserve for unexpected events, or to start saving up enough to retire earlier. 

I'm not saying you should get a $10 second-hand dumbphone instead of that shiny new iPhone XS or Galaxy S10.  By all means spend some more on things you use regularly.  Just don't look for ways to spend money on things you don't need. 

 

Seriously, save up some money.  If you have an accident or a serious disease, medical bills can run into the tens of thousands very easily ... or more depending on how bad the social security system is where you live.  You don't want to make it through chemo only to find yourself a hundred thousand in debt, with no more job and no potential employer wanting to hire you due to your past illness.  At that point you'll wish you had saved up instead of spending it all.

Link to post
Share on other sites

A cheap reliable car without direct injection and cvt or any automatics. Cheap meats and cheeses with good bread to make sandwiches. Quiet apartment that's slowly going to shit but isn't hood yet but cheap enough to be tolerable. The rest on blow.

Link to post
Share on other sites
5 minutes ago, Captain Chaos said:

Seriously, save up some money.  If you have an accident or a serious disease, medical bills can run into the tens of thousands very easily .

1

Yes if you live in the USA but you have to pay health insurance every month which means they cover your expenses if you are seriously ill.

 

Personally think twice before I purchase staff and still buy sometimes items that I don´t really need. 

Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now


×