3 ms·
I still would rather not spend or cut down $20k expenses to $19k or less. Somehow not spending money feels like a better option.
by ozim 6y ago
I still would rather not spend or cut down $20k expenses to $19k or less. Somehow not spending money feels like a better option.
- deanmoriarty 6y agoThen do the 5% math on $19k spending (or $15k), it doesn’t have to be $20k. In the US $20k of credit card expenses is not insane as an adult living by yourself. After factoring in groceries, gas, insurance, utilities, a few dinners out and a couple flights a year, that’s very reasonable. I am a relatively frugal person who spends $40k a year in a HCOL area in the US (but get paid 25X that fortunately), and $20k is my credit card spending, I basically put everything on my cards except for rent. Cards are in autopay every month, so no risk of extra fees. I also have enough financial discipline to obviously not spend more than I strictly need to, I am a very aggressive saver actually.