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It's Just Too Damn High!!!

Frequent Contributor

It's Just Too Damn High!!!

We are complaining about Everyday bills in life that are killing our Wallets... I'm interested in know what routine expenses do you find to be "Too Damn High" for the service you're gettting... What category takes the cake.

 

- Rent / Mortgage 

- Cell Phone / Wireless 

- Cable / Internet

- Gasoline

- Groceries 

- Student Loans 

- Utilities 

- Uncle Sam

My Current Active Line Up

Message 1 of 37
36 REPLIES
Super Contributor

Re: It's Just Too Damn High!!!


Blackbeauty212 wrote:

We are complaining about Everyday bills in life that are killing our Wallets... I'm interested in know what routine expenses do you find to be "Too Damn High" for the service you're gettting... What category takes the cake.

 

- Rent / Mortgage 

- Cell Phone / Wireless 

- Cable / Internet

- Gasoline

- Groceries 

- Student Loans 

- Utilities 

- Uncle Sam


Everything is too high😉



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 2 of 37
Frequent Contributor

Re: It's Just Too Damn High!!!


mongstradamus wrote:

Blackbeauty212 wrote:

We are complaining about Everyday bills in life that are killing our Wallets... I'm interested in know what routine expenses do you find to be "Too Damn High" for the service you're gettting... What category takes the cake.

 

- Rent / Mortgage 

- Cell Phone / Wireless 

- Cable / Internet

- Gasoline

- Groceries 

- Student Loans 

- Utilities 

- Uncle Sam


Everything is too high😉


Of Course that goes without saying...But if you had to pick one, which is really over the top for the service you're getting, in your opinion? 

My Current Active Line Up

Message 3 of 37
Regular Contributor

Re: It's Just Too Damn High!!!

student loans and cell phone

MyFico Equifax - 691
MyFico Experian - 692
Barclay Transunion - 682 (Last Updated 03/21/14)

Citi Diamond Preferred - $2,300 / Citi Platinum Select AAdvantage - $5,600 / Barclay - $4,600 / GE Care Credit - $1,000
Current Utilization - 52% / AAoA - 6yrs
Message 4 of 37
Super Contributor

Re: It's Just Too Damn High!!!


Blackbeauty212 wrote:

mongstradamus wrote:

Blackbeauty212 wrote:

We are complaining about Everyday bills in life that are killing our Wallets... I'm interested in know what routine expenses do you find to be "Too Damn High" for the service you're gettting... What category takes the cake.

 

- Rent / Mortgage 

- Cell Phone / Wireless 

- Cable / Internet

- Gasoline

- Groceries 

- Student Loans 

- Utilities 

- Uncle Sam


Everything is too high😉


Of Course that goes without saying...But if you had to pick one, which is really over the top for the service you're getting, in your opinion? 


My top 2 if I  could cut out would be gas and cable.



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 5 of 37
Regular Contributor

Re: It's Just Too Damn High!!!

Rent here.  It's not even too much for me  (due to having 4 people in the apartment), but it seems like I will be renting forever.

$18000 Discover IT / $6000 Chase Freedom / $5000 DCU Visa / $3900 Fifth Third / $2500 Capital One Quicksilver / $2000 AMEX Blue Cash Everyday / $500 Chase Slate
Message 6 of 37
Frequent Contributor

Re: It's Just Too Damn High!!!

Tough to say, a majority of those are choices and not things you're 'stuck' with.

 

Uncle Sam would be #1 for me. Followed by food and gas. 


Wallet: Chase $6,000 - Discover $1,500 - Walmart $2,200 - Voyage FCU $1,300 - Zales $2,300 - Elan Fin: $12,500(AU, reporting) - Chase $8,500 (AU, reporting) 1% UTL
Message 7 of 37
Valued Contributor

Re: It's Just Too Damn High!!!


Blackbeauty212 wrote:

We are complaining about Everyday bills in life that are killing our Wallets... I'm interested in know what routine expenses do you find to be "Too Damn High" for the service you're gettting... What category takes the cake.

 

- Rent / Mortgage 

- Cell Phone / Wireless 

- Cable / Internet

- Gasoline

- Groceries 

- Student Loans 

- Utilities 

- Uncle Sam


^^^^^^

I pay my in laws health insurance at $700 a month ot $8,400 a year. I also give them (in laws)  $1000 a month or $12,000 a year and I give my mom $1,000 a month or 12,000 a year. These are too damn high for me but once you give people stuff, they come to expect it. I also pay their VSP vision insurance at $$33/month or $396 a year. I keep a list of all my expenses, some I can cut more easily than others (such as Lifelock or AAA, landline phone line with ATT), others I can't such as gas/food/electric bill, others I can cut but difficult, such as giving in laws $1000 a month and paying their health insurance, I can do it, but only when I can't afford it then I'll have a good reason to do so. 

 

In total my annual expenses (not including everyday food, misc things I buy like clothes, etc) is $47,000 a year (including everying I mentioned above). This list I keep of expenses, I looked at what I can cut (whether it is easy or not, I can bring my expenses down to $16,000 a year instead if I don't worry about others and live frugally and cut cable, cell phone bills, life insurance premiums, etc).

Credit Cards: AmEx Platinum (NPSL), Citi Prestige ($32K), Simmons ($5.5K), IberiaBank ($14K)
Personal Lines of Credit: U.S. Bank ($5K), Wells Fargo ($11.2K), Citibank ($11.8K), PenFed CU ($25K), LA Financial CU ($20K)
myFICO 3B Report (as of 4/30/16): Experian: Score 8: 786; Mortgage Score 2: 809 Equifax: Score 8: 801; Mortgage Score 5: 809 Transunion: Score 8: 796; Mortgage Score 4: 796
Jumbo Mortgage: 3.75%
Message 8 of 37
Moderator Emeritus

Re: It's Just Too Damn High!!!

Rent.jpg

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 9 of 37
Regular Contributor

Re: It's Just Too Damn High!!!

Insurance!

 

Car, Medical, Dental, Vision, House, Life..  

Message 10 of 37