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-> Household Management
-> Finances
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amother
OP
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 Sun, May 28 2023, 8:12 am
If you are a couple with 3 children living in brooklyn, NY..what is your monthly/yearly cost of living without being on any government programs and not receiving any financial support?
I'm trying to get an estimate of what to expect so I can plan how much I'll need to work and how to set a budget.
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amother
NeonBlue
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Sun, May 28 2023, 8:16 am
Are you 3 with or without your children?
It's unclear from your post and your title.
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amother
Sage
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Sun, May 28 2023, 8:19 am
Family of 3 is a couple and 1 child
Family of 3 kids is known as a family of 5
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amother
Slateblue
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Sun, May 28 2023, 7:12 pm
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What age children and in what neighborhood/schools. That makes a big difference.
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amother
Marigold
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Sun, May 28 2023, 7:17 pm
Lots of variables.
$3500 Rent for a 3 bedroom
$1000 groceries- this increased a lot this year
$150 miscellaneous household goods
$200 car expense - we own our 2021 car, so no car payments. This includes insurance, gas, occasional tolls, subway
$2000 - tuition for school 10k a year × 2 + playgroup for 1 (24k a year divided by 12 months)
$120 cellphones
$330 clothing (4k a year divided by 12 months)
$250 Date night + discretionary funds for each of us
$400 cleaning help
Comes out to 95k post tax, which at a 30% tax rate comes out to 137k pretax
I don't think I left out anything except health insurance which Is free for us this year due to job specifics, however next year it will be $15k including deductible at dh job and 25k including deductible at my job. Pretax, so factor in an additional x amount for that...
This doesn't include any savings in the budget
We also put into 401k.
Hope this helps!
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amother
OP
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Sun, May 28 2023, 9:21 pm
| amother Marigold wrote: | Lots of variables.
$3500 Rent for a 3 bedroom
$1000 groceries- this increased a lot this year
$150 miscellaneous household goods
$200 car expense - we own our 2021 car, so no car payments. This includes insurance, gas, occasional tolls, subway
$2000 - tuition for school 10k a year × 2 + playgroup for 1 (24k a year divided by 12 months)
$120 cellphones
$330 clothing (4k a year divided by 12 months)
$250 Date night + discretionary funds for each of us
$400 cleaning help
Comes out to 95k post tax, which at a 30% tax rate comes out to 137k pretax
I don't think I left out anything except health insurance which Is free for us this year due to job specifics, however next year it will be $15k including deductible at dh job and 25k including deductible at my job. Pretax, so factor in an additional x amount for that...
This doesn't include any savings in the budget
We also put into 401k.
Hope this helps! |
Really helpful! Thank you!!
Cost of living is so high!!
I see that much is really needed just to get by. ...that's without any big vacations
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amother
OP
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Sun, May 28 2023, 9:22 pm
| amother Slateblue wrote: | | What age children and in what neighborhood/schools. That makes a big difference. |
Children are all very young. Just about 3 under 3
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