{"id":162,"date":"2020-06-10T21:35:47","date_gmt":"2020-06-10T21:35:47","guid":{"rendered":"https:\/\/moneywithkatie.com\/how-much-does-your-life-cost\/"},"modified":"2025-09-05T19:52:00","modified_gmt":"2025-09-05T19:52:00","slug":"how-much-does-your-life-cost","status":"publish","type":"post","link":"https:\/\/moneywithkatie.com\/how-much-does-your-life-cost\/","title":{"rendered":"How Much Does Your Life Cost?"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/moneywithkatie.com\/wp-content\/uploads\/2020\/06\/HowMuchDoesYourLifeCost3F-scaled.webp\" alt=\"\"\/><\/p>\n<div class=\"sqs-html-content\" data-sqsp-text-block-content>\n<p class=\"\" style=\"white-space:pre-wrap;\"><strong>September 2020<\/strong><\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">$2,718. That\u2019s how much my life costs every month.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">In the last six months of 2020, I\u2019ve been within a few percentage points of this number, dipping as low as only spending 82.2% of that total and as much as 102.65% of it. <\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">Knowing how much your life costs is step #1 of taking your personal finance skills to the next level. <\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">Step #2 is finding easy areas to trim. <\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">The little stuff adds up, but the big stuff adds up a lot faster. Today, we\u2019re focusing on the big stuff.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">I\u2019m less concerned about that one time you spent $400 on two pairs of leggings and more concerned about the fact that you\u2019re paying $200\/mo. for your cell phone and Wifi when you <em>could<\/em> be getting both combined for $75. See where I\u2019m going with this?<\/p>\n<h3 style=\"white-space:pre-wrap;\">The three major players<\/h3>\n<p class=\"\" style=\"white-space:pre-wrap;\">For people my age, there are typically two or three major items you\u2019ll account for first. Fire up Google Sheets and let\u2019s start here!<\/p>\n<ul data-rte-list=\"default\">\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\"><strong>Housing<\/strong> \u2013&nbsp;what\u2019s your rent cost each month? What about utilities? If you\u2019re scratching your head, log into your utility providers and rent portal and start looking back at the last few months of service to find an average. If you\u2019re like, \u201cGreat, I know what I\u2019m paying, but I have no idea if I can afford this or not!\u201d Here\u2019s a great rule of thumb to stick to: take your monthly take-home pay and divide by 3. E.g., if I make $5,000 per month, my total housing cost shouldn\u2019t exceed $1,667.<\/p>\n<ul data-rte-list=\"default\">\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Most of the time the way I find deals is literally walking into leasing offices off the street and asking for their best 2BR rate. The unit I live in now was listed for $2,300 online and I happened to stop by when they needed to fill it quickly \u2013&nbsp;and boom, 4 weeks free and a discounted rate down to $1,700. The price listed online is what they think they can get for it\u2026 but if you\u2019re willing to traipse around town in the Texas heat harassing leasing agents, you can usually get a better deal. I went to several places before my current apartment building and either wasn\u2019t happy with the price they quoted me or wasn\u2019t thrilled about the unit, and the extra hours of searching definitely paid off.<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">I\u2019m not advocating for sacrificing comfort or safety in order to save money. I\u2019m encouraging the boots-on-the-ground approach with apartment complexes that you\u2019d still be excited to live in, rather than conceding whatever exorbitant rate you see on apartments.com and forking it over without pressing.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\"><strong>Car<\/strong> \u2013&nbsp;most people have a car payment and car insurance. You probably know these since they\u2019re fixed \u2013&nbsp;so take some time to list those, too. Remember that most salespeople will tell you that you can afford a lot more than you comfortably can, because their definition of \u201cafford\u201d is \u201cwon\u2019t default on the payments.\u201d <em>Our<\/em> definition of \u201cafford\u201d is \u201cwon\u2019t really miss the money every month.\u201d <\/p>\n<ul data-rte-list=\"default\">\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">The general rule of thumb is spend no more than 10% of your take-home pay on your transportation-related expenses each month.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\"><strong>Debt &amp; loans<\/strong> \u2013&nbsp;Let\u2019s tackle this in two parts:<\/p>\n<ul data-rte-list=\"default\">\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Credit card\/consumer debt: Definitely priority #1. I recommend using <a href=\"https:\/\/www.bankrate.com\/calculators\/credit-cards\/credit-card-payoff-calculator.aspx\">a credit card payoff calculator<\/a> to project how long it\u2019ll take to pay off the card and how much you\u2019ll pay in interest. Using figures that are totally in line with what I see a lot with clients, consider this:<\/p>\n<ul data-rte-list=\"default\">\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">You have $10,000 in credit card debt on a card with a 17.99% interest rate and a $325\/mo. minimum payment. You pay the minimum monthly payment. Here\u2019s what that looks like:<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div>\n<div style=\"width: 578px\" class=\"wp-caption alignnone\"><img decoding=\"async\" src=\"https:\/\/images.squarespace-cdn.com\/content\/v1\/5e94adbc25a0ae61d843b475\/1591822855185-SVLTZ7FR248PWZDEXVQL\/Bankrate+Calculator?format=original\" alt=\"  This is a screengrab from the Bankrate calculator linked above.  \"\/><p class=\"wp-caption-text\">This is a screengrab from the Bankrate calculator linked above.<\/p><\/div>\n<div class=\"sqs-html-content\" data-sqsp-text-block-content>\n<p class=\"\" style=\"white-space:pre-wrap;\">It\u2019ll take 42 months and about $3,510 in interest to pay off the $10,000, or $13,510 total. Now consider you\u2019re willing to throw an extra $100 per month at the minimum monthly payment:<\/p>\n<\/div>\n<p>      <img decoding=\"async\" src=\"https:\/\/images.squarespace-cdn.com\/content\/v1\/5e94adbc25a0ae61d843b475\/1591822995932-5U65TV40WGPBDKHT02PY\/Bankrate+Calculator+Pt.+2?format=original\" alt=\"\"\/><\/p>\n<div class=\"sqs-html-content\" data-sqsp-text-block-content>\n<p class=\"\" style=\"white-space:pre-wrap;\">And just like that, you\u2019ve shaved a year of payments off your life and saved more than $1,000 in interest.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">So what does this have to do with how much your life costs every month?<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">$325 (or $425) is a pretty high monthly expenditure \u2013 it probably rivals your car payment in size! The more quickly you can banish that payment from your life, the better, and only by contributing more to it each month can you speed up the payoff rate. You can also call the credit card company and try to negotiate your rate down. It might take 10 tries, but if it\u2019ll drop your interest rate from 24% to 18%, it\u2019ll be time and awkwardness well spent. (I know that suggestion makes people\u2019s skin crawl, but I ask\u2026 are you willing to experience discomfort for 5 minutes to potentially save thousands? Probably.)<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">It\u2019s in your best interest to do so as aggressively as possible, unless your debt has an interest rate of less than around 6% (give or take) or less. Student loan debt is (usually) cheap money, but a high balance. Let\u2019s consider another common example:<\/p>\n<ul data-rte-list=\"default\">\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">You have $45,000 in student loans with an average of a 4.5% interest rate. They\u2019re a collection of 10-year loans and your total minimum monthly payment is about $466.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<div style=\"width: 691px\" class=\"wp-caption alignnone\"><img decoding=\"async\" src=\"https:\/\/moneywithkatie.com\/wp-content\/uploads\/2020\/06\/ScreenShot2020-06-10at41100PM.webp\" alt=\"  This is the   Bankrate student loan calculator  , also a great resource.  \"\/><p class=\"wp-caption-text\">This is the   Bankrate student loan calculator  , also a great resource.<\/p><\/div>\n<div class=\"sqs-html-content\" data-sqsp-text-block-content>\n<p class=\"\" style=\"white-space:pre-wrap;\">When it\u2019s all said and done, that\u2019s not great \u2013&nbsp;$11,000 in interest over 10 years. But the kicker is the 4.5% interest rate \u2013&nbsp;your money will (hopefully, probably) go further in the market averaging a 7-8% rate of return; that is to say the rate at which it\u2019s growing (7-8%, on average) outpaces the rate at which your interest is accumulating (4.5%). <\/p>\n<h3 style=\"white-space:pre-wrap;\">Other considerations<\/h3>\n<p class=\"\" style=\"white-space:pre-wrap;\">So those are the usual big suspects: housing, transportation, and debt. They\u2019re usually (relatively) fixed, predictable costs.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">Here are a few other things to factor in that are more variable, but I think you\u2019ll find most of us hover around averages month over month. I\u2019m naming stuff that I see most often, so some of it may seem random:<\/p>\n<ul data-rte-list=\"default\">\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Gym membership (can be up to $200 in some cases)<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Rent the Runway subscriptions (or similar)<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Cell phone\/WiFi\/Cable \u2013&nbsp;most people overpay for these things, please feel free to cyberbully AT&amp;T into a better rate<\/p>\n<ul data-rte-list=\"default\">\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Pro tip: Mint Mobile is super cheap. My unlimited-everything plan is $30\/month.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Pet costs \u2013&nbsp;I\u2019ve seen doggy daycare creep up into the $500+ range (bless Sam\u2019s self-sufficiency)<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Gas, Uber, parking, and other sneaky transportation costs<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Travel (if you\u2019re spending thousands on travel, please, please, please consider getting into <a href=\"https:\/\/www.moneywithkatie.com\/travel\" target=\"_blank\">travel rewards<\/a>)<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Dining out (can vary like crazy depending on your habits)<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Groceries (ditto)<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Entertainment (kind of a catch-all, TBH)<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Personal care (this includes haircuts, therapy, buying heaps of self-help books\u2026 you know the drill)<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Donations, gifts, etc. \u2013&nbsp;this is frustrating to budget for since it changes so much but I bet $100-$200\/mo. is safe<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" style=\"white-space:pre-wrap;\">If you\u2019re certain you\u2019re lowballing yourself, go through your credit card statements for one month and look at what you\u2019re buying. Better yet, do a six-month look-back and use the averages.<\/p>\n<h3 style=\"white-space:pre-wrap;\">The bottom line<\/h3>\n<p class=\"\" style=\"white-space:pre-wrap;\">It doesn\u2019t matter if you skip appetizers and drinks when you go out to dinner if your rent payment is $700 too high. Trimming fat from the big, repetitive areas (or at the very least, identifying one key area to work on over the next 12 months when you have the opportunity to move, heckle an insurance agent for a lower premium, or throw a bonus at a credit card balance) will make a more substantial difference over time than opting for Kroger-brand Cheerios and skipping happy hours (that stuff helps, for sure, but not at scale).<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">I\u2019ve seen people reclaim $1,000 per month in their budget just by moving out of an exorbitantly priced apartment and transferring their lease to something they can actually afford.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">That\u2019s one approach \u2013 the other approach is negotiating a job, promotion or side hustle that pays an extra $1,000 per month in take-home pay. Net same effect! Bonus points for combining both approaches. <\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">Because ultimately, I\u2019m sure we\u2019d all much rather have that money back to spend on something better: whether that be investing, traveling more often, an expensive hobby, tastier food\u2026 the list is endless.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">And figuring out your baseline is the first step toward the lifestyle that excites you.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>September 2020 $2,718. That\u2019s how much my life costs every month. In the last six months of 2020, I\u2019ve been within a few percentage points of this number, dipping as low as only spending 82.2% of that total and as much as 102.65% of it. Knowing how much your life costs is step #1 of [&hellip;]<\/p>\n","protected":false},"author":178814,"featured_media":2422,"comment_status":"closed","ping_status":"open","sticky":false,"template":"si-template-single-post-emergency-funds.php","format":"standard","meta":{"footnotes":""},"categories":[36],"tags":[48,45],"class_list":["post-162","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-spending-and-saving","tag-debt","tag-everyday-spending-and-budgeting"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Much Does Your Life Cost? - Money with Katie<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/moneywithkatie.com\/how-much-does-your-life-cost\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Much Does Your Life Cost? - Money with Katie\" \/>\n<meta property=\"og:description\" content=\"September 2020 $2,718. That\u2019s how much my life costs every month. In the last six months of 2020, I\u2019ve been within a few percentage points of this number, dipping as low as only spending 82.2% of that total and as much as 102.65% of it. 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