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It's Just Too Damn High!!!

Valued Contributor

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

Taxes and insurance. 

 

I know some people elected to go with motorcycle instead of car, to save on gas, insurance, and taxes.

Established Contributor

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

Rent and transportation.

 

I live so damn far from work and school that I spend $100+ month on public transit. Transfering between multiple bus and train lines, even with transfer discounts, gets to be expensive. I could move closer to work, of course, but that would require a huge jump in rent. Did I mention that rent in Chicago has been trending up citywide for the past 5 years in a row? Yeah.

 

So I'm facing two choices right now.

 

A.) Keep paying low rent, but put up with expensive long-ass commutes to/from work and school via unreliable public transit prone to delays, and almost complete isolation from friends, or...

 

B.) Pay much higher rent, but have easy commute to work and school, and actually be able to hang out with friends more often.

 

I'm leaning towards option B. I just need to ace this job interview tomorrow so I can afford it.

      
Valued Contributor

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

Uncle Sam and fuel (both car gas and heating fuel). Food is edging up there.

 

I'd say health insurance, but that went so far beyond my ability to pay so long ago that it's not even an issue for me any longer.

 

Established Member

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

For me it is gas and groceries. Yesterday I bought a pack of ground beef, a small pack of chicken breast, bananas, broccoli, heavy cream, and oreos (dont judge....I'm pregnant lol) by total was $40!!!! Seriously 6 items cost me $40. And dont even get me started on gas! Sheesh!!!!


Starting Scores (Oct 2013): EX 520, EQ 535, TU 560
April 2014 Scores: EX 633, EQ 620, TU 616
June 2014 Scores: EX 648, EQ 626, TU 631
New Contributor

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


Stralem wrote:

Rent and transportation.

 

I live so damn far from work and school that I spend $100+ month on public transit. Transfering between multiple bus and train lines, even with transfer discounts, gets to be expensive. I could move closer to work, of course, but that would require a huge jump in rent. Did I mention that rent in Chicago has been trending up citywide for the past 5 years in a row? Yeah.

 


I feel you on the transportation. It takes me 45-50 minutes of driving one way to get to my job. Sometimes I wonder if part time hours are worth the gas/insurance/vehicle maintenance expense.

            
............11/10.......................03/13..........................11/14..........................03/15..........................03/15............
Valued Contributor

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

I have to spend $300+ on public transportation per month. I live in East Bay, CA so those in the area know it is extremely frustrating when public transit goes on strike (yes I'm talking to you BART union). Smiley Mad

Regular Contributor

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

Besides taxes I'd say cable/internet.

 

Recently decided to get rid of the extra, unwatched channels and just keep basic cable/internet.

EQ: 780
EX: 767
TU: 779
Valued Contributor

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

For me definitely health insurance...$280 a month (includes dental and vision) for someone who is very low income. And no,  I do not qualify for any sort of subsidy (I really want to know what you have to do to qualify..). When I lived in a country with social insurance, I was making double what I make now and paying less than $200 a month for  insurance (also including dental and vision with a better RX plan). 

 

My boyfriend (whom I live with) and I only pay for internet, we don't bother with cable (that's what the internet is for...) and we did make a one-time purchase of a TV antenna so we get the basic channels. Rent is pretty steep as we live in a very wealthy area (there's no middle ground here; either you live in the nice wealthy area or you live in the ghetto). 

Quicksilver $10,000 | Better Balance Rewards $2000 | Sallie Mae $3500 | Freedom $3500

Last HP: 9/27/2015
Established Contributor

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

Definitely property taxes(14k), but the one that bothers me the most is cable/internet (187).

Fico 8 11/8/16
Equifax 836, TransUnion 836 12/30/16 , Experian 842 1/11/17 . AAOA 12 years Oldest 17
No inquires since 2014
All credit reports frozen
Fico 8 Equifax Bankcard 866 12/27/16
Valued Contributor

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

All of them....  especially Uncle Sam!  So much waste....

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Oct 2017: EX8: 736; EQ8: 736; TU8: 747; EQ04: 734 FICO 9 Scores about 50 points higher
In My Wallet: Discover $63.7K; Cap1 Venture $36.7K; Amex ED $38K; Amex Optima $12.5K; Amex Delta Gold $15K; Cap1 Plat $8.4K; Barclay $7K; Citi TY Pref $13K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $209.8K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .