Poll: What's your household income? - Page 4 - Mothering Forums

View Poll Results: What's your annual household income?
less than $20,000 50 10.57%
$20,000 - $30,000 63 13.32%
$30,000 - $50,000 112 23.68%
$50,000 - $75,000 106 22.41%
$75,000 - $100,000 77 16.28%
$100,000 - $200,000 52 10.99%
greater than $200,000 13 2.75%
Voters: 473. You may not vote on this poll

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#91 of 107 Old 05-26-2003, 02:17 AM
 
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Quote:
Originally posted by Justice2
Our utilities are very inexpensive...our gas bill is the most at 58.00 last month and our water was $15.00 this month.
That's what I miss about Virginia. My husband's water bill was $12 before I moved in, then it went up to $24 a month. I guess it was the extra daily shower. When we moved to CA, a water bill of $100 was common, and no one I talked to seemed to think this was strange. In VA we never wasted water by pouring it on the lawn--it seemed so strange to do this in CA where our county had to buy water and didn't have enough in their own reservoirs.
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#92 of 107 Old 05-27-2003, 11:20 AM
 
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My DH makes 24K with the assurance that there will be NO RAISE for the next 2 years at least (Thanks Texas Legislature!!) Last year I made about 2K. That is about 50% of the median income for a family of 3 in our town. We live in an expensive part of TX (Austin), and our rent on a small 2 BR is $675/mo which includes cable but not water/gas/garbage : Our housing/utilities expense takes up a big portion of his pay. Our health insurance is $200/mo. I refuse to give that up b/c this is the first time as an adult that I have actually had health insurance. Most of the cost is for me. DH's portion is covered by his job and dd's portion is only $15/mo. Plus he has a MANDATORY 6% contribution to his retirement, so that's $120/mo we don't even get to see. DH wants to buy a house, and we could probably swing the payment but taxes are kind of high here and homeowners insurance is the most expensive in the country!! I don't know how we'd pay for repairs.

On paper, we are poor. We qualify for WIC but don't get it. I don't particularly FEEL poor. I buy about half and half organic produce. We eat organic bread, but that's because I bought a breadmaker for $10 at a thrift store and make my own for about 50 cents a loaf (maybe less). I cook from scratch a lot, but we also eat out some too. Most of my clothes come from the thrift store, once a year or so I will buy something new at Ross' dress for Less. Dd's toys come from yard sales and she wears gifts/hand me downs.

When we want to do something we save up for it. We went on vacation last year to visit DH's family and this year we are going to visit mine. We do not use credit cards at all and our only debt is my student loans (which is another story altogether). I put a set amount of money into savings every month. I try to put a little extra in too, but often end up hainvg to use it. We have 1 car- a 92 Toyota. I like having emergency money available for the inevitable car repairs.

We have to do this on our own because both my & DH's parents are dead. We don't have any backup.

Most importantly we love each other and are happy.

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#93 of 107 Old 05-27-2003, 02:34 PM
 
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we have well water so we do pay at all. we also have adump which is free.
that makes up for the 100 month elec bill and the heating costs for oil.
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#94 of 107 Old 05-27-2003, 10:10 PM
 
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Our utilities are a pretty decent chunk, as well -- $160 - $180/month! We aren't really allowed to have clothes lines here, so I can't save money that way -- unless we put up a fence in our backyard (deed restrictions : ). We also have a water bill that's almost $40/month -- I seem to remember it being about $15 when I lived in Michigan!

thistle (I love your name ), you are an inspiration -- I know there are ways to cut back, I just need to take the time to do them! I have the ability to cook, I just get lazy... you've convinced me to get on the ball - no pizza delivery here, tonight! :LOL
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#95 of 107 Old 06-23-2003, 12:34 PM
 
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I voted and I'm learning not to tell b/c some think I have all this money and I don't. I have a family of 6. Our income use to be double and didn't have a problem telling. Dh and I started out as teen parents (19) so we were proud to work hard from where we started. We use to make 106K (cincinnati, Oh area) and quite honest,lwe still were broke b/c of our student loans. We owe about that much in student loans. Well, two years ago dh got laid off from his job. Actually they called it a fire. They didn't want to dish out a severance as in the benefit package. Ironically, they fired an addtl. 12 more ppl. 5 months after he got laid off, I was laid off with 3 months severance but it went quick. He was unemployed for 15 months before he got this job in Florida. Now, it has been 18 months for me and I'm not returning since I am hsling. Besides there aren't any jobs in my field in Florida. It was a dark time for us.
Now we live in Florida where they say it was an lateral move with income. No it isn't. It is more expensive for houses that would equal the size in the Midwest. Companies don't dish out the money as the midwest. So, our standard of living went down from two years ago. However, we are managing. I've cut groceries down to the point that at the end of the month, I become creative. We lost our house, two new vehicles and sold a lot of furniture before we bankrupt. We weren't careless, we didn't see it coming. We have never been through this before. So, the ones that posted here and stated that they were laid off or their spouse is or was. I feel for ya. I'm rambling now. That is a sensitive subject for me.

Is there a lost a job support board here? Maybe we can all talk about it and find some leads. Who knows?
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#96 of 107 Old 06-23-2003, 01:14 PM
 
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Before baby, my dh and I made approximately 36,000 after taxes. WOuld have been a little more, but I quit working in my 6th month of pregnancy last november. I'm not shy about how much we make, whether we be rich or poor. We lived on that very well, though not luxuriously. At that time we lived in a 1-bedroom apartment for 460/month, paid between $75-100 on electric, about $60-75 on phone (mostly basic stuff, but a few frills like call-waiting), about $50/mo on cable, $30 for roadrunner, $150 on credit card between us, $60-$75 on gas for our $300 paid-for car. I shelled out some money for school...books, supplies, etc, and paid for a semester of college, approx $1000. Car Insurance for the year $950 (broken down into 10/mo of $95 payments), tags renewal $36 dollars, health insurance premiums plus copays, about $3000. Our grocery bill was very high, but I'm including in grocery: regular store-bought, some organic, variety of regular vitamins and supplements, non-food items such as paper products, water filter replacements, cat food and cat care, cleaning supplies, lightbulbs, yadayada, film, pictures developing (im a nut for taking pictures), and movie rentals our bill comes out to $1000 a month! Oops, not including eating out, which we used to do all the time, especially at work for lunch out a few times a week: average $200/mo. Oh yeah, laundry $10/week in the machines. Exceptions of film developing,eating out, movie rentals, all the above a would consider needs. Now throw in wants: clothes, shoes, (thrift stores for me), occasionally a new cloth item but always from the sale rack. We also paid for our own wedding and honeymoon last year, about $2000 all told. We splurged on our honeymoon I have to say, in Orlando it was one big shopping spree, our first one in over a year. Well, this all adds up to having had just enough to get by comfortably. Pay check to pay check for us. Hope this isn't TMI for anyone, I guess this has inadvertently turned into an exercise for me to find out what happened to the money hehe.


Well, I haven't been working since last november. This year things are very different, living on dh pay which will be about 28000 after taxes. We rarely eat out, though maybe we do order chinese once a month as a treat. We moved into a 2-bedroom apartment to accodomate for our new addition to the family (February) we pay $560 now. Our grocery bill we have drastically reduced, and I'm constantly figuring out ways to cut it. We don't buy as many of the vitamins that we used to, just the basic multi and a few others for cold season. We cut out lots of the packaged food items (healthier anyway). I just found a co-op which will be saving me lots on produce and dairy! Hurrah! We have a cloth diapering kit coming in the mail now....big savings there. There is a great book that has given me some ideas called "Living Well on a Shoestring" it's got some great ideas. We don't have cable (just the cable modem now). We RARELY rent movies...i think maybe 5 all year total.

This has been a little long, but again it has been an exercise for me. Really becoming a mother has made me stop and think what is important, and in some ways money is on the bottom of the list. Staying home with my ds is the best decision I made! Both dh and I will be returning to school this fall....maybe someday we will make more...until then, we are cutting all the corns we can....but yes I would love to be "rich" financially...would love to buy all organic, buy a house and fill it with environment friendly products...that is our ultimate goal and we aren't afraid to work for it..

 

 
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#97 of 107 Old 06-24-2003, 02:26 AM
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Quote:
Originally posted by lorijds
We live on a little over $50,000--and 5 years ago I would have thought it heaven, but we barely make ends meet. Owning a home can be pricey, and if you want to buy a home under 100,000 in this town, you need to be prepared to do some serious renovation. I'm not talking a big house, either--we live in 850 square feet, two bedroom, one bath, pretty basic.

.
I live near the beach in Southern CA. We rent. If you want a house below one hundred grand here you get a time share. Maybe a trailer home BUT the lot rent would be VERY high.

They are shutting down all the trailer parks anyway to build community parks and campgrounds.

You honestly can't buy a single family home anywhere around here for under three hundred grand, and that is in the really rundown parts of OC. In my town you cannot even dream of getting a house for under 375 grand.

So we are moving to the desert where you can own a home for under two hundred, or even under a hundred if you want to.
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#98 of 107 Old 06-24-2003, 02:28 AM
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btw before we moved we paid 1100 a month for a one bedroom apt. We had a teeny yard though!
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#99 of 107 Old 06-24-2003, 03:54 AM
 
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well we made a lot last year but we live in So CA so it doesn't go very far. We also rely on the stock market and in the last 1.5 yrs we have taken a major hit and it's looking like it's time to stop acting like we have money to spend
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#100 of 107 Old 06-24-2003, 04:49 AM
 
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I never would have assumed that “AP” parents were on the lower end of the income bracket. I feel it is a rather privileged way to parent. I don’t really mean this in a bad way : > )

Mama to DD September 2001 and DD April 2011 *Winner for most typos* eat.gif
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#101 of 107 Old 06-24-2003, 07:48 PM
 
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I voted in the $50,000 to $75,000 range, but if we made $75,000 a year, I could afford a car instead of the gigantic piece of yard art I have now. *laugh* We make about $52,000 a year, and are a family of five.
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#102 of 107 Old 06-24-2003, 08:23 PM
 
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After reading the thread, I wanted to add: I live in central Texas. We live in a house that has one bedroom and one bathroom, and is about 600 sq.ft. Three adults, two young children. We pay $500 a month in rent, plus about $150 a month for utilities, not including phone. There are two working vehicles, but neither will hold both of my children's carseats. (If the boys go somewhere together, it's in their father's car. My ex visits every week.) We raise chickens, and grow fruits, vegetables, nuts, and herbs. I live with my parents, who both work fulltime, and I stay at home with my sons. The boys get medical insurance through my mother's employer, but I haven't had medical coverage since I was a child, except for the times I was pregnant and on Medicaid.
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#103 of 107 Old 06-26-2003, 12:37 AM
 
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Well, we're about to drop some categories. I've decided to take a 2 year LOA until I can find a p/t job.

The belt will certainly be tighter, but our kids are worth it!
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#104 of 107 Old 08-10-2003, 12:21 AM
 
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I am so excited to say that we NOW, after 11 months of DH being unemployed, have an income!!!!!!!!!

Dh makes 10 dollars and hour and I make 6. We bring home about 24 thousand a year now, that is quite a fall from the 40 thousand Mark brought home a lone last year - but, we'll make it!

We rent our little home now(foreclosure of our 'real'home happened last month) and pay 300 per month. Our utilities run us about 150(including phone bill, lights, and garbage pick-up. Our house is about 700-800 sq.feet with two bedroom and 1 bath. We don't really have a kitchen per say. It's about 10 foot long and 5 feet wide. I have no counter spacec, and my washer and dryer are along one wall of the room. Strange eh? LOL- but I cannot complain. We are living in hog heaven about now. Although I miss my Summer dog more than words can say, and it kills me to think about losing our house
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#105 of 107 Old 08-13-2003, 01:15 AM
 
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My old boss, who I love, grossed over $12,000 EACH MONTH . Also had a spouse with a good-paying full-time job. Also made extra money on a regular basis. They were always concerned about money and worried about not having enough. This was a good lesson for me. I knew then that unless I changed myself, it would never be enough. Our society runs on wanting more all the time. How could someone with that much actually worry about bouncing checks?

We have a complicated financial history in our 5 year marriage since dh was a student for 2 years and since we started our marriage relatively "rich" due to some inheritance money. We now live on dh's salary of about 54K. On paper, this is enough for all of our needs, minus maternity insurance for me. Once I left my job, the cost of adding ds and myself to dh's ins. was over $600/month. I feel like this is ridiculous! Our largest expense is college loans: about $450/month. We have a car note of $280 since we opted for a new car to make dh's commute of one hour each way better/safer. Our other car is paid for. Car and house and health insurance, plus utilities and groceries really add up. We also tithe 10%. We never seem to have money left over at the end of the month. We eat out too much, and neither of us is willing to be the "budget police". However, we are depleting our small savings, so this will soon become necessary.

We have made some poor financial decisons, and hopefully have learned a lot on the front end of our lives. By far, our best financial decision was to buy a cheap house. I'm not sure what many of you mean by "ghetto", but I know that we LOVE our house and neighborhood even though many friends think we live in a rough part of town. (One woman came over and said 3 times upon arrival, "you didn't tell me that you live in such a terrible neighborhood." I finally said, "we don't.") We spent 57K on our 1140 sf house, then put about 15K into fixing it up. We were amazed that friends would spend 100K on dumpy little newish places in a better part of town. We pay $363/month mortgage and about $1000/year in repairs and are able to walk downtown. Our neighborhood is very diverse, but we feel that this is extremely healthy, and a big plus. (We also have a rottweiler who weighs 120! )

Right now, our major goal is to get out of debt. We owe about 40K in student loans. We spent all of last year getting out of cc debt, which we will now avoid like the plague that it is. We would like to get out of debt and then figure out a way for dh to work less than he does, so that he can spend time with our family and pursue interests outside of work.

By far the hardest thing for us is to sidestep materialism. We feel that it is important to our faith that we not focus on material goods. However, this has been difficult for us so far. Right now, we are considering moving to a very rural area in part to work on this. If we see a river every day, instead of a new cool mini cooper, perhaps we can slowly better appreciate the REAL good things in life. I have my doubts about whether this will "work", but am willing to try it. I desire to live a life NOT centered around paychecks and money. Thanks for the encouraging stories on this board.
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#106 of 107 Old 08-13-2003, 12:26 PM
 
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I Fly -- that was wonderful... It just
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#107 of 107 Old 08-14-2003, 11:02 AM
 
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Dh makes 27,000 a year but more with his art jobs on the side.

We rent and are hoping to buy soon but really want to be out in the counrty so we can be more self-sufficient and live a more sustainable lifestyle. We also want to try and escape some of the materialism of our culture.

I am a SAHM but once we are out in the country (growing stuff, eating our own chickens and eggs, etc. my duties will be even more connected to our household economy.)


Our dream is for dh to do artwork from home.
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