Paycheck to Paycheck - New home owner reality

[dasari4kntr]

36 minutes ago, Sonu_Patel said:

200 ki evadanna medical, dental, vision ichedi.. oka company peru chepu please... nenu apply chesta immediate ga.

medical nenu cheppaledhu…

but dental and vision and additional term insurance…and  legal insurance….max 200 kante kaadhu per  month..

[MACH]

4 hours ago, Sonu_Patel said:

Last night sitting lo friend shared his expenses every month. he is very active on Facebook, Instagram and Tiktok all the time. 

- House Mortgage Payment - $3800 for next 30 years

- TESLA payment - $1300 for next 5 years

- Utility bills(Gas, water, power, Internet, phone)  - $500

- Auto Insurance - $150 

-Take home salary - Net $5500 after 401k, health and other deductions. 

he is unable to clear credit card bills because there is no room to pay for the Monthly, groceries, shopping and other miscellaneous expenses. 

 

 

calling @nfc to translate in telugu

[nfc]

23 minutes ago, MACH said:

calling @nfc to translate in telugu

అవును బాగా, ఇక్కడ ఉన్నది:

గత రాత్రి సీటింగ్ లో నానబెరించాడు తన ప్రతి నెల ఖర్చును. అతనికి ఫేస్‌బుక్, ఇంస్టాగ్రామ్, మరియు టిక్‌టాక్‌పై చాలా ఆక్టివ్ గా ఉంటున్నాడు.
- హౌస్ మార్గేజ్ చెల్లింపు - $3800 ముందుకు 30 సంవత్సరాలు
- టెస్లా చెల్లింపు - $1300 ముందుకు 5 సంవత్సరాలు
- ఉయిలిటీ బిల్స్ (గ్యాస్, నీటి, విద్యుత్, ఇంటర్నెట్, ఫోన్) - $500
- ఆటో ఇన్షూరన్స్ - $150
- తీసుకోకపోవడానికి ముందు స్వీకరించడానికి వీరి అవకాశం లేదు, బిల్లుల పట్టికలకు, శాపింగ్ లకు మరియు ఇతర వివిధ ఖర్చులకు చెల్లని కారణంగా, అనేక మధ్యస్థ ఖర్చులను చెల్లడం కష్టం.

[Galactus]

1 hour ago, FrustratedVuncle said:

Medical - 1.1K

401k - 1.4k

for a guy who is crying not able to pay credit card bills, 401k contribution of 17k/year is ridiculous. Most companies matches only 4% so 5% of 115k =~ 5.7k contribution is more than enough. 

medical ki kuda 500/mo for family untundi for fulltime, mari Patel anna friend em insurance teskunnado. 

Edo logics adige sariki 5.5 balance kosam adjusted numbers la unnai avi. 

Ade kada 401k match choosthe ee story poompuhar anipistondi 

[TOM_BHAYYA]

Ivanni maa middle “Ammo okato thareeku” kastale ga bro.. pellam show off ki Illu kavali .. protectors of environment .. guardians of galaxy ani cheppukodaniki tesla kavali.. aa rendu lekapothe Dallas lo unde kanna india 10geyadam better anta ga ani thappatle va

[veerigadu]

5 hours ago, FrustratedVuncle said:

Net 5500 ante me friend salary 80k? witch company ki chestunnada? or Recently graduated?

5.5k net tho 3.8k mortgage approve chesina verri vengalappa loan officer evaranna?

Nammable ledu anna script.

 

Loan is approved based on gross. Take home can change based on preferences. It’s very dynamic. 

[Android_Halwa]

5 hours ago, Sonu_Patel said:

Last night sitting lo friend shared his expenses every month. he is very active on Facebook, Instagram and Tiktok all the time. 

- House Mortgage Payment - $3800 for next 30 years

- TESLA payment - $1300 for next 5 years

- Utility bills(Gas, water, power, Internet, phone)  - $500

- Auto Insurance - $150 

-Take home salary - Net $5500 after 401k, health and other deductions. 

he is unable to clear credit card bills because there is no room to pay for the Monthly, groceries, shopping and other miscellaneous expenses. 

 

 

Pellam Ki EAD up Pichi Edo oka job la toseyadame…

[kakatiya]

In my Boston area no house less than 5800$ mortgage 

[DallasKarreBaluGandu]

7 hours ago, Sonu_Patel said:

Last night sitting lo friend shared his expenses every month. he is very active on Facebook, Instagram and Tiktok all the time. 

- House Mortgage Payment - $3800 for next 30 years

- TESLA payment - $1300 for next 5 years

- Utility bills(Gas, water, power, Internet, phone)  - $500

- Auto Insurance - $150 

-Take home salary - Net $5500 after 401k, health and other deductions. 

he is unable to clear credit card bills because there is no room to pay for the Monthly, groceries, shopping and other miscellaneous expenses. 

 

 

your friend is waste labor gadu

vadiki 50$ vastundhi hour india ki vellipomanu

[Mr Mirchi]

5 hours ago, Sonu_Patel said:

200 ki evadanna medical, dental, vision ichedi.. oka company peru chepu please... nenu apply chesta immediate ga.

450 monthly...medical vision dental..ikkada

[Konebhar6]

8 hours ago, Sucker said:

EMI lu home ki thappinchukolem at least other EMI lu thappinchukoniki try cheyyandi vuncles. Don't do show off if you can't pay. Relatives frnds ki konchem dhooram vundhi best life especially healthy life lead cheyyandi lekunte everything compare chestharu Pellam ki leni poni vi cheptharu. Mana financial life mana hands la ne vuntadhi 

Mundu nuyyi venaka goyyi paristhiti idi ... 

Wife ni evaritho kalvanivvakapothe veedu sastadu daily bharinchaleka ... 

Wife ni andaritho kalvanisthe ... FOMO problems to buy home  Edi better? 

[Konebhar6]

16 minutes ago, Mr Mirchi said:

450 monthly...medical vision dental..ikkada

@Sonu_Patel

If full time with a company why would the insurance be 450? I pay $0 with a HMO plan. They increased it to $120/pay check this year but it was $0 until last year. My employer pays the rest.

Are you talking about this with a consulting company ?

[Aquaman]

3 minutes ago, Konebhar6 said:

Mundu nuyyi venaka goyyi paristhiti idi ... 

Wife ni evaritho kalvanivvakapothe veedu sastadu daily bharinchaleka ... 

Wife ni andaritho kalvanisthe ... FOMO problems to buy home  Edi better? 

need to buy within limit according to one's situation.. just because we can buy a bigger house..doesn't mean it's a good thing to buy always

[Konebhar6]

4 minutes ago, Aquaman said:

need to buy within limit according to one's situation.. just because we can buy a bigger house..doesn't mean it's a good thing to buy always

Absolutely agree. Not just home. People who make better choices always live with in means or vice versa. 

[LungiLingaraju]

8 hours ago, Sonu_Patel said:

Earnings

$9,583.33

Salary

$9,583.33

Taxes

−$1,519.15

Federal Income Tax

−$870.17

Social Security Tax

−$525.97

Medicare Tax

−$123.01

 

Benefits

−$2,537.50

Medical

−$1,100.00

401(k)

−$1,437.50

Take Home

$5,526.68

Anniya .. ee taxes endhi anna 1519.15 .. Texas lo state tax undadu kada .. Texas anaboy taxes annatu unnavu… mee friend ninnu vp chesindo leka. Memu vp aitunamo telvatle..