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submitted 3 weeks ago* (last edited 3 weeks ago) by BetaSoldier@lemmy.world to c/asklemmy@lemmy.world

This includes, for example, food, water, medication in the presence of a mental disorder or something delicious to cheer up, such as sweets or alcohol. I don't know if it's possible to put alcohol in the category of goodies, well, okay, I hope you understand what I mean.

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[-] QualifiedKitten@discuss.online 25 points 3 weeks ago

#DIV/0! I was laid off and haven't been able to find another job yet, so salary is zero, but basic needs still exist and cost money.

[-] Witchfire@lemmy.world 9 points 3 weeks ago* (last edited 3 weeks ago)

Same story here. I'm running on savings now. The job market is complete ass and I refuse to work on slopware

[-] QualifiedKitten@discuss.online 2 points 3 weeks ago

Thanks to some unexpected health issues, I drained the savings, and am now borrowing from family. Hooray.

I'm not in tech, but the last time I was unemployed, I was able to reach out to a few temp/staffing agencies and at least had something to keep me afloat pretty quickly. This time around, I've only received a response from a single temp agency. They've sent me on a few interviews over the past month, but still no actual job offer yet.

[-] almost1337@lemmy.zip 4 points 3 weeks ago

Same, was let go in May and stuff only gets more expensive.

[-] QualifiedKitten@discuss.online 3 points 3 weeks ago

Yup. I hope you find something soon!

[-] Fleppensteijn@sh.itjust.works 4 points 3 weeks ago

Same. Out for 2 years and this is not how I expected to spend my savings. Time to find a good tent soon

[-] QualifiedKitten@discuss.online 4 points 3 weeks ago

18 months here. Initially, I figured I'd enjoy a few months off thanks to severance + unemployment, but then, when it was about time to get serious about finding work again, I was diagnosed with cancer. I'm in remission now, but my savings is completely gone and I'm borrowing money from family. A tent is definitely growing more appealing.

[-] Fleppensteijn@sh.itjust.works 3 points 2 weeks ago

Damn, same for me. I was sick for months, nobody knew what was wrong. Just sit it out, they said. Now I got a tumor. I was supposed to be traveling, not lying in bed. Hope things get better for you.

[-] dharmacurious@slrpnk.net 17 points 3 weeks ago

Around 700%

Not a joke

It's been a shitty year and a half

[-] HerbalGamer@sh.itjust.works 9 points 3 weeks ago

This includes, for example, food, water, medication in the presence of a mental disorder or something delicious to cheer up, such as sweets or alcohol.

100% then

[-] Return_of_Chippy@lemmy.world 9 points 3 weeks ago

Ideally you build your life around 50/30/20. 50 needs, 30 wants and 20 savings. I was more like 80/20/0 until I was 22. Then around 60/20/20 for a few years and now I'm at 30/40/30ish. Lucky to have made good financial decisions and starting early in a good career.

[-] Iconoclast@feddit.uk 9 points 3 weeks ago

Somewhere around 60% I guess. I'm self employed so I don't have a steady income and I'm not sure what it averages to per month. As long as I see my wealth steadily increasing I don't worry too much about it.

[-] Vittorio@lemmy.world 8 points 3 weeks ago

120%. grocery and transportation to work gets everything the rest i get help

[-] jerkface@lemmy.ca 7 points 2 weeks ago
[-] schipelblorp@sh.itjust.works 2 points 2 weeks ago

Yeah, probably about 107% of it. I limit driving now because car repairs are about 80% of my credit debt, the other 20% is dental.

[-] jerkface@lemmy.ca 1 points 2 weeks ago* (last edited 2 weeks ago)

car?? dental??? i've ground my teeth to the dentin because I can't afford $600 a year for a mouth guard

[-] schipelblorp@sh.itjust.works 1 points 2 weeks ago

They sell DIY night guards, but I have a friend who chews through them.

[-] douglasg14b@lemmy.world 6 points 3 weeks ago* (last edited 3 weeks ago)

Well, the mortgage on a 120-year-old house, food, water, electricity, internet, phones, medical bills, and medication, and the usual modern necessity bits and pieces, add up to about $5k/m

Add on childcare and similar that's $6.5k

:(

So most of it...

[-] Zwuzelmaus@feddit.org 6 points 3 weeks ago

42 of course.

[-] remon@ani.social 5 points 3 weeks ago
[-] Korhaka@sopuli.xyz 5 points 3 weeks ago

Think it's about £600 a month for the house/bills, then £50 a month for my half of the food.

Does £30 on olives and cheese count as essential?

After tax not sure how much I get yet as I am in a new job and not yet had a full months pay but can't be far off £2k, so like 33%. Then the rest is split between luxuries, stupid things I don't need and savings.

[-] Mantzy81@aussie.zone 3 points 3 weeks ago

Really not sure but probably around 40-50% of income. Should really do a budget. We're in surplus monthly by a little bit so build up 5-10k a year in the offset account and both have superannuation accounts which contribute 12% of our income directly (should add more). Plus we have 2 other properties, one which earns us 10k a year but doesn't increase in value much, the other which costs us 10k a year but my mum lives in the 2nd one so can't sell it and it is going up in value more than 10k per year too.

Our biggest outgoing is childcare. Can't wait for our youngest to leave and go to school and even though it's not a public school, it still costs way less than childcare.

But I did just spend $500 on wine this month which will last about 6 months or so. And we get a takeaway once a week for $65, and I eat lunch out at least twice a week at about $15 each time. Should probably curb some of that spending and do some more investing.

[-] HubertManne@piefed.social 3 points 3 weeks ago

when I have one pretty much 100% and anything I don't is to save for when I don't have one.

[-] zlatiah@lemmy.world 3 points 3 weeks ago* (last edited 3 weeks ago)

Based on my records, probably averaging 40-50% on needs. Exactly 30.7% on housing, somewhere >10% on basic needs food, and maybe just a bit more for emergency. The numbers for food is a bit fuzzy since I don't specifically separate out, say, a 6-pack beer or a really nice chocolate bar from other groceries

For context though, I make above average salary for my area, am relatively young & healthy (so almost no healthcare needs), and didn't mind living a bit frugal...

[-] olafurp@lemmy.world 3 points 2 weeks ago

I have a good job and nice rent deal, so it's around 70%. Market rate for the rent is probably another 10%+ of my salary but the landlord is not raising the rent which surprises me.

[-] tomiant@piefed.social 3 points 3 weeks ago
[-] Meatwagon@lemmy.dbzer0.com 3 points 2 weeks ago* (last edited 2 weeks ago)

Bills are 55%

Food is 25%

I had enough left to save, but it's going to be student loans soon thanks to Trump.

[-] Asafum@lemmy.world 3 points 3 weeks ago

If we're also including rent then 2/3 of my income goes to basic necessities... That's not including things like car insurance or Internet access.

[-] dfyx@lemmy.helios42.de 2 points 3 weeks ago

Based on my income after taxes and mandatory insurances (health, retirement and so on):

  • 25% rent (including water)
  • 15% utilities (electricity, heating, internet, phone plan)
  • 10-15% food (including comfort food like sweets)
  • 5-10% insurance and stuff for my unemployed partner
  • on average 5% other necessities (public transport, clothing, ...)
[-] neidu3@sh.itjust.works 2 points 3 weeks ago

Around half

[-] scytale@piefed.zip 2 points 3 weeks ago

My ratio is probably around 40% (shelter, food, maintenance, necessities). We spend a lot on groceries because we like to cook stuff at home. Then 20% (wants, hobbies, entertainment, non-essentials), and 40%(savings, investments).

[-] RBWells@lemmy.world 2 points 2 weeks ago

Of netpay? All of it. Of gross pay? About 12% is going into retirement accounts so I guess 88% is going to life.

My husband does a little better - we don't have to always use all of his pay (which is variable) so if you are counting household net pay, I think maybe 80% over the course of the year, 20% available, we used it this year to pay off renovations on the house which I would call desired improvement not just repair. So together we are pretty strong.

[-] superglue@lemmy.dbzer0.com 2 points 2 weeks ago

Funny enough I just setup self-hosted firefly so I can actually answer this question. 38% goes to expenses. Once I'm finally done with daycare that should be closer to 25%.

[-] Furbag@pawb.social 2 points 2 weeks ago

2/3rds of my income goes just to paying rent/utilities at this point. I do have some money taken out of my check for retirement because I would be foolish not to, but at this rate it looks like retirement might not be in the cards for my generation at all. Even with the few extra bucks at the end of the pay period, it wouldn't amount to much.

Every time I get a pay increase, it seems like the cost of living is right there on my heels, clawing back any significant gains I might have enjoyed.

[-] melsaskca@lemmy.ca 2 points 2 weeks ago

Most of it. Used to be some of it.

[-] TankovayaDiviziya@lemmy.world 1 points 2 weeks ago

Because of inflation, about 1/3 maybe? I am lucky that I use a family member's staff discount and plus the discount vouchers so i pay half of what I would spend otherwise for my weekly shopping. But it could be less since every month, I visit my parents and they give me packed food to go home with, which sustains me for three to four days.

[-] Griffus@lemmy.zip 1 points 2 weeks ago

Living, travel and loan expenses about 50 %, 25 % to saving in a 25/75 funds/stocks split. The rest for food and life.

[-] Fizz@lemmy.nz 1 points 3 weeks ago

Maybe 45% on needs 20%on wants and rest investment and single digit % on donations

[-] zxqwas@lemmy.world 1 points 3 weeks ago

Tax 25% (covers basic healthcare) Housing 12% (somewhat small) Food 10% (lavish meals) Transportation 6% Clothing 3% (wild guess)

This would not look the same if I lived in a big city. After I got my degree I moved to the part of the country where the living cost to pay is very good.

[-] Nomad@infosec.pub 1 points 2 weeks ago

About 75% for needs and a little wants like Netflix etc. 3 kids and wife at home costs a little more. About 25% for savings for retirement.

[-] j5906@feddit.org 1 points 2 weeks ago

Around 2000 to 3000CHF or about 1/3 to 1/2 of net income (excluding bonus) a month

[-] WaxRhetorical@lemmy.world 1 points 3 weeks ago

I took a break from work to try to start a business, so my numbers are terrible today. But when I was employed, it was about 30% need, 20% want and 50% savings. And I was living a very comfortable life with that 20% want, a bit shy of €2k on that pillar per month.

[-] Nioxic@lemmy.dbzer0.com 1 points 3 weeks ago* (last edited 3 weeks ago)

Well if we split so my SOs income isnt counted and our expenses are shared equally, then about 40% for house with utilities and insurance

Then about another 15-20% for food

Rest goes to savings, clothing, dentist, hair cuts, video games, whatever

Aint got no medicine or anything else

this post was submitted on 17 Jun 2026
61 points (98.4% liked)

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