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General DiscussionsAuthor:EatMyBubbles Viewed:  265  
How much?   
 Patrick and I have always known since I moved down here to Kentucky that at some point we are gonna move up to Connecticut, so we could be closer to my family and friends. But, after talking to my mother yesterday about how much her bills are, it isn't going to be anytime soon.

All over Conn. is expensive to live, I've always known that. However, I really didn't know just how much more expensive it was till I moved down here, in the town I live in (There are some towns here in KY that are just as expensive as Conn.) and saw how cheap it was.

For instance, I live in a house. 2 bedrooms, living room, dinning room, kitchen, bathroom, utility room, good size backyard, big front porch and a small front yard, house is in great shape, I live on a dead-end road that is relatively quiet. We pay $375 a month.

Our Utility bill this month (which includes electric, water, sewage, garbage and a small school tax) came to $63 this month. Usually it's around $55.

My gas bill is usually around $133 a month, it's never gone over that. We've never had to pay over $210 a month for our bills, not including rent or phone bill.

Now, my mother, who lives in a ONE room apartment pays close or over $200 any given month for her electric. And, that's just a one room. She literally has only 3 lights in her house. The one in the one room, kitchen and bathroom. And she has 2 lamps, which are usually the ones that are on. Her apartment is $700 a month, and every year goes up 10 bucks. And that's one of the cheapest places around that's half way decent. If you find an apartment under 700, your looking at a shit hole in a bad neighborhood.

What pisses me off is that some of my family and friends don't really understand this. I've been living here for almost 3 years now, and at least once a month I have to explain to at least 4 people why I can't move back up there at this time. Neither Patrick or I are working in jobs that is "long term." We don't get paid nearly as much as I did when I worked in Conn, but living down here, we make enough money where we can pay our bills on time, every month, save money and still live a comfortable life.

If we moved up to Conn. we'd be struggling our asses off. I see it with my mother. She makes over $10 an hour and still can't pay her bills on time.

I started to wonder how much it is in other states and towns. What's it like where you live?

Replies
3/10/2007 10:28:36 AM   From:  Feckless Wench   Our monthly outgoings are as follows: Council Tax (roads, police, fire service, local roads, refuse collection etc) $213, Gas & Electricity $270, Water $71. Totalling $554.On top of that we have a mortgage of approx $1,740, Tv licence $23, Cable $232, Car Insurance $115. Totalling $1,900 ...so all in all, each month we part with approx $4,740...and that's before food, gas for the cars etc etc.
3/10/2007 10:31:06 AM   From:  Feckless Wench   I added that up wrong, should have been $2,664....I converted it one too many times...LMAO. Still a shitload of money though!
3/10/2007 11:07:41 AM   From:  beags   Whoa, Feck, that's crazy. When I lived in my apartment downtown, I shelled out 275 for rent each month, and between 30-50 a month for electricity. Then food. My roommate took care of his rent and also the cable bill. We had about 30 dollars for a phone bill. So our total bills were a little over 800 for the both of us to live there. I don't take care of the bills in the house I live in now because the mortgage is not in my name but I give about 400 bucks a month to help out. So really I'm paying the same but living in a much bigger place that we're paying to own instead of rent. 
3/10/2007 11:08:50 AM   From:  beags   Oh, and I'm in Ohio. Property taxes suck here but at least the cost of living isn't so bad that we have to eat rice and beans every night.  
3/10/2007 11:13:29 AM   From:  mercury   We pay $1400/mo mortgage. Can't touch a rental in town for under $900. Gas & Electric comes on one bill and runs between $450-$500 in the winter months/$200-$300 summer. Taxes are $183 winter/$2500 summer (and ours are EXTREMELY low compared to properties that have changed hands over the last few years... smaller than average sized, older, 3BR homes seem to be paying about $4000/year), my basic cable is $13/month (I get lots of free channels, shhh, don't tell them!).
3/10/2007 11:28:13 AM   From:  EatMyBubbles   Safe to say I won't be moving to where Feck lives any time soon, also. lol
3/10/2007 11:29:16 AM   From:  EatMyBubbles   LOL, Merc, my father has always gotten lots of free channels. Your secret is safe with me.
3/10/2007 11:29:55 AM   From:  EatMyBubbles   I tried to get him to tell me how I can get lots of free channels, but he won't tell me.. That bastard.
3/10/2007 11:32:08 AM   From:  EatMyBubbles   I don't know what I would do if my gas and electric was that high. Probably live in the dark, freezing my ass off. As it is now I'm anal with my gas and electric. My rule is, if the sun is shinning the lights are off.
3/10/2007 11:42:58 AM   From:  wez   Livin cheap is the way to go no matter where you are.. I bought my trailer in 1995 for $15,000 cash and my monthly expenses were less than $400 a month in the beginning and have since gone up to about $600 a month. Over those years living that way, I was able to save enough where I get about $650 in interest every month without ever touching principle. Now I can go back to school and work whenever I want or don't want for quite some time... For me, time = freedom. I'm by no means wealthy, matter of fact, I never made much more than $20,000 a year. From that, I started saving a little, then started saving $100 every week and letting the interest accrue for years, now I'm getting interest checks of $650 a month to live on when I'm in school... It's nice getting paid for saving money and living cheap is the key. The trailer park I live in is really nice. Right on the North end of town in a residential area. Nice mature woods, tar roads, well taken care of. The people really screen who they let in and no rentals. You have to own. Love it...
3/10/2007 11:45:52 AM   From:  wez   Plus, stay out of debt. If you can't afford to save and pay cash, you can't afford to buy it on credit.
3/10/2007 11:47:10 AM   From:  wez   Damn feck... is that in Euro's?
3/10/2007 11:51:12 AM   From:  Feckless Wench   We pay in GB pounds, I converted it to US dollars.
3/10/2007 11:51:57 AM   From:  Feckless Wench   As for the credit thing wez, I agree, excpet for a house, for that most people HAVE to have a mortgage.
3/10/2007 11:55:11 AM   From:  wez   I agree, but one must be careful. Things have drastically changed in the last 20 years.. people are losing their houses big time over here right now. They're now offering 50 year mortgages... people took equity and paid credit cards and are now paying for dinners out over the next 30 years.. it's ugly for many.
3/10/2007 12:37:03 PM   From:  Ali   It's super cheap here. I only paid $8000 for a one bedroom house and once I do some construction on it this summer I'll probably pay another 10 grand. Cable is $35, basic phone is $33, utilities are about $75 and propane runs about $200/month in the winter. If you like the city life and big entertainment then this isn't the place for you but if you enjoy hunting, privacy and wide open spaces you get a lot for your money.
3/10/2007 1:14:02 PM   From:  mercury   I just cancelled all my extra channels. They never sent anyone out to block it at the pole. I can't get any of the pay channels, but I get a lot of them that are part of the digital only package, too.... and all of the HD broadcasts.
3/10/2007 1:33:55 PM   From:  nka   My bills are more than I even want to tell you all. It was 2k a month more in PA. I can't see how anyone up North can survive off of $10 an hour. You need to make at least double that to live a semi-middle class life. My electric here is 120 in the winter, 250-300 in the Summer. Our gas bill is 150 in the winter and 20 in the summer. Telephone, cable, internet is 225. Cells are 320 for 6 phones. Property taxes are 500 a month here. Car insurance is 235 and homeowners is 78 a month. HOA dues are 265 every 6 months. Our house payment is 1700 a month but 578 of that a month is that tax and insurance. Our cars are $1325 a month then we have his truck, truck insurance, credit cards, doctor bills, gas for the car, and food. Oh and I pay $275 a month in child support, too. Feck, we seem to have similar bills except you don't have a $2175 a month truck and insurance bill. Could you imagine living off of $10 an hour? MY god, I almost want to run away to live in KY but then again...no
3/10/2007 1:36:28 PM   From:  nka   oh wait, feck, I am doubling you since I read you miscalculated... what a fracking embarrassment. I hate my husband. He just keeps spending and spending... fracker, idiot, asshole. I want to torch the damn cars!
3/10/2007 1:39:03 PM   From:  Feckless Wench   Thankfully Ad's car is a company car so doesn't cost us anything apart from fuel. Mine is MY car for which I pay approx $400 a month. I don't pay child support as my kids live with me, but I do spend a LOT of money on the pair of them every month.
3/10/2007 1:44:19 PM   From:  nka   well I have two with me and then the two I pay support for... the ones with me cost a hella lot more. Just shelled out $65 for Ariana for sneakers today... her damn feet are growing like weeds but the poor thing hasn't grown a single centimeter up in months... She is convinced she is a little person
3/10/2007 1:47:59 PM   From:  Feckless Wench   LMAO, my youngest cost me a damn fortune the last time we took him into London, we went to Camden which is the gorgeously boho area, I ended up spending about $400 on him....but then his floor length leather coat does look rather gorgeous! LOL!
3/10/2007 1:51:11 PM   From:  nka   they do get more expensive as they get older. I remember complaining when they were babies but now it is just insane. I can't wait until they get jobs but then I will still probably have to help them out.
3/10/2007 2:25:08 PM   From:  DemonRage   Cost of living in Florida isn't pretty. Home owners insurance has tripled in the last year. I went from paying $525 when I went to renew, I was dropped and had to go with the only insurance company still writing policies here, Citizens. Which is the government controlled emergency insurance company, since every company just packed up and left the state. It is now the single largest policy writer in the state. I am paying $1592 a year, thankfully I have rolled into my mortgage along with my property taxes. So it was only a $150 a month increase in my mortgage, but being on a limited income. Can't afford to live here anymore, moved over to mom's house and put it on the market.
3/10/2007 3:04:08 PM   From:  EatMyBubbles   NKA, it's my mom who makes 10 an hour. And, she can manage, for the most part, because she doesn't have a cell phone, doesn't have a car payment, no credit cards, and all of her kids are grown and working. She is on about 5 different meds though.
3/10/2007 3:34:27 PM   From:  hugo   House is paid off costs about $375 a month for taxes and insurance. Utilities average $240 monthly. Always pay cash for vehicles. Cell about $60, Phone, satellite and internet package about 120. Beer $1000. 
3/10/2007 6:39:29 PM   From:  beags   Damn. I'm going to party at Hugo's... 
3/10/2007 9:17:57 PM   From:  eddo   Mortgage is $630 (incoming rent from neighbor is $650) Cable, phone, & internet is $120. Water runs $70 for both houses (mine and the rental) and that includes garbage. Cell phone is provided by work. Truck is paid off. Home equity loan runs $350 a month. and my highest electricity boll (with nothing being gas) was $85. Car insurance runs me $75 a month. and I am pretty sure Homeowners insurance is about $400 a year.
3/11/2007 3:38:24 AM   From:  Cariad   It costs a fortune to live in "Great" Britain!
3/11/2007 5:11:39 AM   From:  mercury   It was hard to handle at $26/hr, nka.... $10 would be impossible.
3/11/2007 5:38:04 AM   From:  BCAR   Mortage 1140, Gas and Electric 290 to 400, Taxes 1500 yr., house phone 61, cable and DSL 82, water 40, trash pickup 15, Auto and MC insurance 1380 yr, home insurance 800 yr, no car payments follow Hugo's advice. cell phone and company car free.
3/11/2007 6:20:41 PM   From:  nka   I wish Hugo and Bcar would kidnap my husband and school him for me... We would be millionaires by now if it weren't for his horrible spending habits. Merc, I know, I made that at DISH (not including commissions) and we were just barely getting by until he started with the truck.
3/11/2007 6:51:06 PM   From:  wez   I take it you meant $80,000, Ali? Maybe $8000.. it is N.Dak. :P I think one can buy houses in Buffalo N.Y. for less than $10,000... anyone around there know?
3/11/2007 7:18:57 PM   From:  Ali   No, I meant $8000.
3/11/2007 7:48:40 PM   From:  wez   Awsome... that's great....
3/12/2007 6:36:52 AM   From:  Ali   My dad bought a 2 bedroom trailer on 2 lots in a neighboring little town for $5000. It's in good shape, furnished and has a really cool fire pit. He uses it on the weekends when he comes to visit us. Now he bought something on the lake so he'll probably be selling the other property this fall. I'm sure some out of state hunters will grab it up in a heartbeat for that cheap.
3/12/2007 6:39:49 AM   From:  BCAR   Car payments are what kill a lot of people. #1 Never ever buy or finance a new car. get one a year or so old and let some other fool take the depreciation. You're better off saving 300-400 a month to buy a car with cash than paying the same amount or more for something that is depreciating in value while you continue to pay for it. Plus your buying power with cash is going to get you 10-20% better price if you negotiate and are always willing to say no.
3/12/2007 11:45:18 AM   From:  EatMyBubbles   My cousin and his wife are looking into buying a home around the 140 thousand rang. The lady who they have been talking to says she can probably get them a house with a morgage of $1000 a month, which is only a hundred more than what they pay now for their apartment, but I honestly don't think they fully realize how much more you pay in bills when you own a house. I just know it's going to jump up and bite them in the ass.
3/12/2007 12:08:07 PM   From:  eddo   paying rent is like throwing money in the toilet. Owning a house (especially if you can get the mortgage close to what you would pay in rent) is an excellent idea. 6 years ago I bought my duplex for $75,000. Last August it appraised for $200,000. Yes there are bills that I have to pay that if I rented someone else would likely pay, but in 6 years I have built $125,000 worth of equity into my house- mostly by doing nothing. Can't get that kind of turnaround on an apartment.
3/12/2007 8:38:19 PM   From:  EatMyBubbles   That's true. But, they have a hard enough time paying all of their bills now. If they were smarter about their money, then it wouldn't be a problem for them.
3/13/2007 3:42:25 AM   From:  mercury   one thing I've done right in my life! I've never had a "new" car and don't think I ever will. Being in the business clued me on the facts that BCAR points out early in life. Most have been about 2 years old when I acquire them (some way older) then I drive them into the dirt. I have gotten stuck with finance charges, though. I suck at saving money for any purpose.
3/13/2007 3:54:56 AM   From:  mercury   buying the worst house in the best neighborhood is a good plan. It's working for us :o) My house is a run down piece of crap, but due to the 2 brand new $400K homes and $300K condos at the end of the block, our figures look pretty good. We paid $72K originally. 6 months later, we appraised at $110K; 3 years ago $185K. We replaced the roof about 5 years ago and that's all we've really done, other than cosmetic stuff. Thing is that because of the neighborhood and the school district, they absolutely can't give us a low appraised value. Gotta love it :o)
3/13/2007 3:56:36 AM   From:  mercury   and we just got commercial zoning approved last fall, which just adds to the value even more :o)
3/13/2007 6:37:49 AM   From:  Ali   My envoy was in a rollover, but my uncle is a body man and fixed it up as good as new. I got it for $15000 vs. the $25000 it would have cost on the lot. I love a sweet deal like that.
3/13/2007 6:46:58 AM   From:  Kethria   Argh don't ask... average rent here for a one bedroom apartment is around 1000 a month not including utilities

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