What Is Your Monthly Budget?

[jtansanco]

Not sure if there's a thread out there for this but what is your monthly budget?
I'm curious to know how much people spend a month to live a comfortable life (in your own right).

I don't live in the Philippines anymore but mine is this:

Location: Burlingame, CA

Description        Estimate
Rent      $1,200.00 (Room inside a house)
Car                    $392.86 (Paid off by July 2019)
Car Insurance     $100.00
Phone                   $30.00
Gas                         $100.00
Food/Drinks         $150.00
Groceries         $425.00
Gym/Yoga            $115.00
Misc.                  $200.00
Total:            $2,712.86

* I didn't include travel expenses since it varies.

What's your budget and which city do you reside?

[iceheaven31]

kuala lumpur, malaysia
figures are monthly averages, in Malaysian Ringgit (MYR / RM)
family size: 3 (parents and 1 toddler)

bahay (3br condo unit): 2k
childcare: 1.2k
kotse: 500 (until sep2021)
gasolina: 150-200
kuryente: 200-300
tubig: 10-20
internet (100mbps): 150
phone load: 150-200
groceries: 500-1000
spotify family plan: 22.40
office expenses (breakfast, lunch, merienda): 1k-1.5k
church offering: 150-300 (kulang pa nga ata to )
baby diapers: 150
baby vaccine: 300 (incl consultation fees)
baby milk: 300-400

iba-iba rin ang miscellaneous and savings amount.. work in progress kasi back to 0 kami.

[jtansanco]

^ Natawa ako sa spotify family plan. Haha. At least you're donating something to the church! Do you usually eat out? Date nights? Family night outs? How much do you allocate for that part?

[Evolet027]

Makati, Philippines

Condo: 16000 kasama na echas na maintenance nila
Car: 11,000 ( til 2023)
Gas & Toll: 5-6000 ( Everyweek uwi sa province)
Parking: 3000 ( 2 cars, 1 motorcycle)
Groceries: 6000
Water Bill: 700-800
Electric Bill: 2500-3000
Phoneline: 800
Internet: 1299
Netflix: 500
Dentist: 1000 ( brace adjustment) till june na lang to
Parents: 5000 (sagot ko internet, water and electric bill nila)
Office/Daily expenses: 20,000 ( kasama na biglaan gala at gastos, always have baon so minimal gastos sa food pag may pasok, yung sobra, hulog sa savings ulit)

*Out ang Car and Life insurances since annual and quarterly payment nun
*Out din car maintenance since twice a year yun
*Savings is strictly 20% of my salary

[iceheaven31]

^ Natawa ako sa spotify family plan. Haha. At least you're donating something to the church! Do you usually eat out? Date nights? Family night outs? How much do you allocate for that part?

yung mga kain sa labas bro, wala kaming proper allocation pero based on our expense tracker, umaabot kami ng mga MYR600 on average. usually nasa MYR100-200 kami per meal in casual/mid-range dining, then around MYR30-50 per meal yung mga around sa area namin na pag tinamad na magluto e bili na lang sa malapit hehe.

katulad mamayang gabi baka sa labas na naman kakain kasi nakalimutan magbaba ng karne from the freezer lol.

[jtansanco]

^ Nakakatamad talaga minsan kumain sa bahay. Kaya once a week, I reward myself by going out to good restaurants and eat. Haha

^^ Okay yan! Looks like you're following the 50/30/20 rule.

[Evolet027]

^^ Okay yan! Looks like you're following the 50/30/20 rule.

Yup, out din travel budget, sa savings ko din kinukurot yun eh. hehe.

[letters_to_cleo]

Rotterdam, Netherlands


Expenses  in Euros on a per month basis ( me & my hubby only):

House Rental including gas/electricity/water:  1075
City Tax & Water Tax ( about 610 Euros per year):  51
Health insurance for both of us:  280
Internet+Netflix+Amazon Prime: 55
Postpaid mobile plans for 2:  80
Food and Groceries (I cook all our meals including our packed lunches): 300
Money for restaurants/eatouts during weekends (we eat out lang 1 a week): 250
Miscellaneous subscriptions (scribd, some mobile apps): 30
Legal Insurance +Travel Insurance + Personal Insurance : 50
Daily Transportation Cost  = Usually none. My car & gas is provided by my employer. My husband's travel card is provided by  his company.
Sent to Parents: 500 + 200
Personal Discretionary Money: 120 per person  ( for our regalo sa sarili, or pambili ng gusto namin like books)

Total: 3000 Euros  more or less

Ang goal namin is very simple: We should live on only one income alone. The other income is automatically set aside as savings. So far, so good. 

P.S.  Here in NL. We have an additional holiday pay, which is equivalent to 1 month's salary, given usually middle of the year, before summer.  So our pasyal and gala for the whole year is more or less covered na by our combined holiday pays.

 

[jtansanco]

^ Glad to know what it's like living in the land of the giants! How big is the house? House mismo or parang apartment/condo? I think I better start learning how to cook. Ang laki ng difference ng spending ko sa groceries compared to everyone considering mag-isa lang ako.

[Shadow Angel]

In canadian dollar

House - 950
House and 2 car insurance - 165
Educational plan - 50
Electricity and water - 350 (pag hindi winter 100 lang)
Snow removing - 40
Electric car - 350
Gas for my car - 100
Food - 300 or more
Resto - 200
Internet (included 2 phones) - 121
Grocery - 300
Day care - 216
Annual tax - 2600
Family activities - 300
Netflix - 12

Not included:
-personal stuff like makeup, beauty regime and clothes
-LO expenses diaper, milk, clothes, toys etc
-travel/camping/vacation
-gardening
-food allowance (most of the time nagbabaon kami)
-life insurance ni hubby

Eye and dental insurance covered ng work ni hubby (included ako)

[Maia_Cache]

hirap basahin if iba iba currencies need to covert pa.haha, should we have it in peso para mas madali natin makita if naka allign ang mga budgeting natin.

[jtansanco]

^ I think okay na rin yan as it is. I didn't realize the posters will be coming from all over the world. It's good to be able to compare based on which country you live in.

^^ Wow, daycare is 216 CAD??? My friends here in SF pay about 2,000 USD for that.

[Shadow Angel]

^semi private pa yan tapos na reimbursed ko from goverment kaya actual talaga 170cad lang.

[rasee16]

Location: Quezon City
(I live alone)

2Br condo + 1 parking (including monthly dues) - P36,000
Elec + water - P1,600
Globe fiber + landline- P1,599
Pocket wifi- P499
Diesel- P6,000
Insurance- P3,500
Food- P10,000
Massage- P1,600

[jtansanco]

^ Natawa ako sa massage but we have to treat ourselves. That's why every time I visit there, I get a massage every day. Haha

^^ Ayos yan when you get reimbursed from the government.

[Blair_w]

Location: Mindanao (outside the big cities)

I live alone in an apartment with my 6 month old dog

Rent: 3000
Utilities: 1500
Internet: 1299
Phone postpaid : 1499
Groceries: 2000
Netflix :185 (My share. I shared the 550 plan with my 2 officemates)
Spotify: 129
Blinkist: 300+ ( paid for 1 year)
Car payment: 25100
Gas: 0 ( I have monthly gas allowance courtesy of work)
Load: 200 (for my prepaid line)
condo dp:10,000
Discretionary: 5000 (eating out, occasional shopping, etc.)
Charity : 2000
Pet Expenses: 1000 (sometimes more if the pup needs emergency vet appointments)
VUL insurance: 3500

* I also set monthly budgets for travels, investments, emergency fund and savings.

[letters_to_cleo]

^ Glad to know what it's like living in the land of the giants! How big is the house? House mismo or parang apartment/condo? I think I better start learning how to cook. Ang laki ng difference ng spending ko sa groceries compared to everyone considering mag-isa lang ako.

Hello!  maliit lang yung house. 1 storey 60 sq meters, 2 rooms. Ang okay lang sa kanya is may back garden.  Pero a few months ago gusto ng landlord na itaas yung rent namin ng 1.2k lol! So nagdecide kami to buy a house na lang (medyo madali magbuy dito ng house, kasi 100% ng house price is kasama sa mortgage, yung sasaluhin lang na cashout is mga 6-8% ng house price).  Mas nakatipid pa kami, 800 Euros lang ang mortgage payment per month.

[eischied_21]

Location: Burlingame, CA

Description        Estimate
Rent      $1,200.00 (Room inside a house)

wow, ang mahal ng rent for a bedroom sa CA, to think house sharing ata pa yan?

[yellowminion]

Ay gusto ko ?tong thread na ganito

Cebu City, Philippines
I live alone.

Rent & Utilities.  Php 12,000
Pldt wifi.                1,700
St Peter.                 1,255
Laundry.                1,000
Health & Beauty.  6,811
Toiletries.               1,825
Cleaning supplies.    675
Food.                       8,000
Miscellaneous.       2,500

Total 37k+++

[simang]

Family of 3 (husband+wife+3 yr old daughter plus part time helper)

House Mortgage 17k
Car Mortgage 11k
Car insurance 1k
Gas/Transpo 5k
Meralco 4k
Phone bill 2k
Internet + add ons 2k
Food and Groceries 10k
Insurance 6k
Fun money 5k
Travel funds 5k
Part time helper 3.5k

The rest goes to savings and emergency fund.