Do you budget with your sig other ?

[max225]

Yo dog, are you running a weed greenhouse ? $630 in electricity?

That is the flat monthly rate they send out....which mostly averages out. Obvi things are low now. Thing just keeps going up and up. Should have put on solar 5 years ago.

You should do it now. It’ll pay for itself in 3 years if you have a decent clear view of the sky

[MexicanYarisTK]

Yea we don't eat at fancy places more than 2-3 times a year... but take out is like $50-70 for 2 after tax and MANDATORY tip nowadays. So that adds up super fast.

only with occasions like anniversary. We went to a restaurant where the food ranges from $50-$300 and we damn right on that and the final bill was a hair over $200, that is when you add wine, oysters, etc. But that was for an occasion and I also booked a reservation for the hell's kitchen that just opened in DC last week, reservations have been popping left and right, just to find out we got one in April Valentines day on the other will be a little more upscale and kinda on the same price range level as cheesecake factory, but these 2 places (including anniversary) will probably conclude for fancy restaurants for this year. Also I never give my car a valet and parked my car 2 blocks away, carried on the way back cause she gave me a face that we walked for 2 blocks in heels, #latinalyfe.

As far as regular restaurants, brunch and so on on a more regular basis that does add up, we're both foodies and dc is dangerous for us in that regard.

[MexicanYarisTK]

Fun Fact: Our 1900 square foot desert shitbox costs $2500/month in taxes, insurance, HOA, utilities and maintenance services. That's w/o mortgage and w/o a single nickel in repairs. Granted I have stupid Direct TV that needs renegotiated or ditched. Pretty sorry number.

that is wild.

We are at about the same but with a mortgage. Payment is $2200 on the 15 year including insurance/taxes, utilities around $200 if you include streaming services, but typically under. I mean the house ain't really all that but apparently we're ing it right. Also only owe like $250K and this piece is somehow worth a half mill.

No other expenses have come up with it other than wants, I'm sure eventually some things will break as it's 50 years old.

on ulta and everytime we approach one, I make sure her to look the other way, otherwise she'll pause and tempted go in after I told her, you don't need it.

[D Griff]

that is wild.

We are at about the same but with a mortgage. Payment is $2200 on the 15 year including insurance/taxes, utilities around $200 if you include streaming services, but typically under. I mean the house ain't really all that but apparently we're ing it right. Also only owe like $250K and this piece is somehow worth a half mill.

No other expenses have come up with it other than wants, I'm sure eventually some things will break as it's 50 years old.

on ulta and everytime we approach one, I make sure her to look the other way, otherwise she'll pause and tempted go in after I told her, you don't need it.

Allison honestly isn't terrible with spending compared to many, but certainly shit like house decorations and beauty products add up. I seldom buy shit but when I do, it's more like a big ticket item, say a $3K bike. For her it's more of a slow burn of Amazon shit. I am obviously biased to my own preferences, but at least the stuff I buy I can sell when I'm done/upgrading or whatever. Much of her shit is more pump and dump after a year.

[MexicanYarisTK]

on ulta and everytime we approach one, I make sure her to look the other way, otherwise she'll pause and tempted go in after I told her, you don't need it.

Allison honestly isn't terrible with spending compared to many, but certainly shit like house decorations and beauty products add up. I seldom buy shit but when I do, it's more like a big ticket item, say a $3K bike. For her it's more of a slow burn of Amazon shit. I am obviously biased to my own preferences, but at least the stuff I buy I can sell when I'm done/upgrading or whatever. Much of her shit is more pump and dump after a year.

I do not wanna imagine what we'll get once we move in together, Annie does want a nice big couch and along with the living room aesthetics she wanted, luckily theres shit like affirm where it's easier to attain.

[SAWCE]

The sad thing is, having lived the desert lyfe, his thermostat probably isn’t even set crazy low.. I’d guess mid to high 70s? But when it’s 120F during the day and 90+F at night, your AC is working double time all the time.

When we're here at night in June-August, 72-73 at night, obviously we turn it up during the day when we are gone.........but not too far or you can't make it back during the worst times. Other factor is owning a pool......even with an efficient variable flow pump I'm sure that's at least $150 a month.

Forgot about the pool pump. AC set to 72-73 at night in the desert heat is my parents were too for that and it was usually set at 80. But looking back I can’t blame them. Shit is expensive as you’ve noted.

[Desertbreh]

That is the flat monthly rate they send out....which mostly averages out. Obvi things are low now. Thing just keeps going up and up. Should have put on solar 5 years ago.

You should do it now. It’ll pay for itself in 3 years if you have a decent clear view of the sky

That's all I got brother. And I hear you.

[Desertbreh]

When we're here at night in June-August, 72-73 at night, obviously we turn it up during the day when we are gone.........but not too far or you can't make it back during the worst times. Other factor is owning a pool......even with an efficient variable flow pump I'm sure that's at least $150 a month.

Forgot about the pool pump. AC set to 72-73 at night in the desert heat is my parents were too for that and it was usually set at 80. But looking back I can’t blame them. Shit is expensive as you’ve noted.

My blood has become thinner and I can live with 75-76 and a sheet. But there is no planet on which I am voluntarily sleeping @ 80. I decided that when I moved here 18 years ago.

[max225]

Sleeping at 80 is rough…

[Desertbreh]

Sleeping at 80 is rough…

Fuck that just move to Idaho.

[SAWCE]

Yeah 80 was brutal. Mom always ran cold even before all the cancer and chemo shit, so we all had to adjust to her temps. 80 I’d be laying there on top of the sheets buck naked and still sweating my ass off until I slipped into fever dreams

[max225]

Yeah 80 was brutal. Mom always ran cold even before all the cancer and chemo shit, so we all had to adjust to her temps. 80 I’d be laying there on top of the sheets buck naked and still sweating my ass off until I slipped into fever dreams

Currently sleeping sub 65… so summer is going to suck

[Valkyrie]

Sleeping is the hard part about living here. I'd prefer 65 but that would practically require building a new house with a dedicated AC system for the bedroom. We try to get by with about 75 and a ceiling fan, next step is probably a better ceiling fan and/or a less hot mattress.

[golftdibrad1]

Sleeping is the hard part about living here. I'd prefer 65 but that would practically require building a new house with a dedicated AC system for the bedroom. We try to get by with about 75 and a ceiling fan, next step is probably a better ceiling fan and/or a less hot mattress.

poverty window unit? we did it...

[Johnny_P]

The goal is to be done with the grind and spend time on things we actually care about while we are hopefully still physically able to do so... or to pay for healthcare since we both have potentially major health issues which could at any time render us unable to work AND stuck with huge bills.

Gotta live in the moment at least somewhat. Even at 55 your mobility will be a bit more limited.

[Johnny_P]

Sleeping is the hard part about living here. I'd prefer 65 but that would practically require building a new house with a dedicated AC system for the bedroom. We try to get by with about 75 and a ceiling fan, next step is probably a better ceiling fan and/or a less hot mattress.

poverty window unit? we did it...

I guess a single room mini split would work too and be quieter. No idea on cost of that.

[Johnny_P]

Forgot about the pool pump. AC set to 72-73 at night in the desert heat is my parents were too for that and it was usually set at 80. But looking back I can’t blame them. Shit is expensive as you’ve noted.

My blood has become thinner and I can live with 75-76 and a sheet. But there is no planet on which I am voluntarily sleeping @ 80. I decided that when I moved here 18 years ago.

When I moved in with my wife she kept a spray bottle next to the bed to “cool off in case it got too hot.”

I installed a window unit the next night and said I’d happily pay the power bill.

[Valkyrie]

Sleeping is the hard part about living here. I'd prefer 65 but that would practically require building a new house with a dedicated AC system for the bedroom. We try to get by with about 75 and a ceiling fan, next step is probably a better ceiling fan and/or a less hot mattress.

poverty window unit? we did it...

That might happen this summer, we did it in NY and Boston too. I might be able to get away with just reinforcing/replacing the ceiling fan since it wobbles more than I'm comfortable with when it runs on high. Balance weights on the blades didn't do anything, I'm guessing the whole box needs to be secured better up top. Should have worked on it in the attic when it was still cold out, but that would be too easy.

[Desertbreh]

My blood has become thinner and I can live with 75-76 and a sheet. But there is no planet on which I am voluntarily sleeping @ 80. I decided that when I moved here 18 years ago.

When I moved in with my wife she kept a spray bottle next to the bed to “cool off in case it got too hot.”

I installed a window unit the next night and said I’d happily pay the power bill.

Yeah. Sometimes the defense budget needs to be increased to fight fire with fire.

[Desertbreh]

Sleeping is the hard part about living here. I'd prefer 65 but that would practically require building a new house with a dedicated AC system for the bedroom. We try to get by with about 75 and a ceiling fan, next step is probably a better ceiling fan and/or a less hot mattress.

Johnny nailed it with the split. That thing would ice your bedroom, easy to locate the compressor on even a very narrow house side, and they are quite reasonable for what your get, IMHO.

[D Griff]

Sleeping at 80 is rough…

I mean, I get the but that isn't habitable. In the winter I set the heat at 65 overnight, I would do more like 62 if would allow. Summer we do like 72-74 overnight which is OK but then I definitely need the fan/just a sheet.

The funny thing is, by day I prefer like 80F.

[CaleDeRoo]

Our place is 70-72 year round. Even now I'm under a blanket on the couch.

[MexicanYarisTK]

Sleeping at 80 is rough…

Childhood memories in Turkey, no ac summers. If its breezy we open up a window and be lucky breeze hits the right direction

[D Griff]

Bringing this back as it's semi related.... What are y'all doing for life insurance? I'm thinking now that a CF is on the way, I should get something more than the $150K or whatever my job provides, would be FUBAR without some dough if I die.

It looks like it's about 3X the cost to get a 30 year policy versus 10 year. Is this worth it? If I go to acquire a new policy at 45 will it be that much more expensive? Meet in the middle at 20 year? I guess my hope is it won't really be needed by like late 50s when the CF is theoretically off the payroll.

[J-Ho-Fo-Show69]

Bringing this back as it's semi related.... What are y'all doing for life insurance? I'm thinking now that a CF is on the way, I should get something more than the $150K or whatever my job provides, would be FUBAR without some dough if I die.

It looks like it's about 3X the cost to get a 30 year policy versus 10 year. Is this worth it? If I go to acquire a new policy at 45 will it be that much more expensive? Meet in the middle at 20 year? I guess my hope is it won't really be needed by like late 50s when the CF is theoretically off the payroll.

Covered through Kat's work + Aflac baby! $22/month for a 20 year $500k whole life policy (started at 31). Probably a little higher now since we're older. You can also draw out on it up to 90% of the cash value if you need a loan etc. Kats grandparents did this to pay for her and her brothers college. Kind of genius. You can't borrow day one, usually you'll have to be paid in for min 3 years before you could draw against it. Cheap interest rates, no credit check either. I plan to liquidate mine and take the payout later in life to help get through the elder years (probs will die around 60 knowing me). But if I make it past that, you can take the payout at a reduced death benefit.