What % of your net income do you save every month?

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  • BareBacked
    Confirmed User
    • Feb 2007
    • 3685
    #1

    What % of your net income do you save every month?

    I am curious to know what others spending vs savings is. I am talking only about personal net income..

    IE what what you pay yourself after taxes..

    So if you make $15k a month and get $10k a month after taxes and save $5000 then you are saving 50% of your net income
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    • Ross
      Ik ben een aap
      • Sep 2002
      • 18874
      #2
      You go first

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        • cthulhu_waves
          Confirmed User
          • Mar 2007
          • 1966
          #3
          I save 0.00001% of my earnings.
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            • Pink Misfit
              xXxAffiliateReviews.com
              • Jun 2007
              • 1035
              #4
              I spend back probably 25% of my income to reinvest in my sites and advertising. Pay bills with probably 20% of it and save the rest.
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              Contact: [email protected]

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                • fuzebox
                  making it rain
                  • Oct 2003
                  • 22351
                  #5
                  There's a point where it's kind of silly to calculate a percentage

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                    • HushMoney
                      Confirmed User
                      • Apr 2005
                      • 2256
                      #6
                      200%
                      Hushmoney.com

                      Interracialpass
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                        • PR_Glen
                          Confirmed User
                          • Oct 2006
                          • 9058
                          #7
                          Originally posted by JohnnyClips
                          Saving money is the worst thing you can do. Obviously you need some on hand and in your bank account but most of it should be invested over and over to increase your income
                          holy shit i almost agree with this.. haha


                          but seriously it depends on what you consider savings, some consider their investments as money they are saving, doesn't necessarily mean they are hiding it in a mattress somewhere.
                          webmaster at pimproll dot com

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                            • BareBacked
                              Confirmed User
                              • Feb 2007
                              • 3685
                              #8
                              Originally posted by fuzebox
                              There's a point where it's kind of silly to calculate a percentage
                              enligten me?
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                                • cybermike
                                  Confirmed User
                                  • Jan 2002
                                  • 4121
                                  #9
                                  What if you hit a point of putting more money in your business is not increasing any value.. I save a good amount of my money but I always keep an eye out for people selling their sites if the price is right
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                                    • BareBacked
                                      Confirmed User
                                      • Feb 2007
                                      • 3685
                                      #10
                                      Originally posted by JohnnyClips
                                      I can tell by the way you asked your question that you don't have the right mindset when it comes to money
                                      Thanks for your input.


                                      Others I am not talking about your companies here. I am talking about PERSONAL Income.


                                      Net income after taxes vs . Your cost of living.
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                                        • CYF
                                          Coupon Guru
                                          • Mar 2009
                                          • 10973
                                          #11
                                          Just counting my personal income, I probably save about 5% to 9% of it. It really should be more like 10-15% I think.

                                          I do reinvest money into my business that I'm not counting as personal income.
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                                            • BareBacked
                                              Confirmed User
                                              • Feb 2007
                                              • 3685
                                              #12
                                              Originally posted by CYF
                                              Just counting my personal income, I probably save about 5% to 9% of it. It really should be more like 10-15% I think.

                                              I do reinvest money into my business that I'm not counting as personal income.
                                              Awesome thanks for the answer
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                                                • ThumbLord
                                                  Confirmed User
                                                  • Jan 2009
                                                  • 1932
                                                  #13
                                                  about 50% at the moment, but heh I am 60 years old and have a splendid pre-pension and if I reach 65 years all other pension funds will kick in and I will have a hard time to consume/spend all that money.
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                                                    • Nicky
                                                      Too lazy to set a custom title
                                                      • Mar 2003
                                                      • 30071
                                                      #14
                                                      If investments count into "saving" I'd say abit over 50%

                                                      gfynicky @ gmail.com

                                                        Comment

                                                        • BareBacked
                                                          Confirmed User
                                                          • Feb 2007
                                                          • 3685
                                                          #15
                                                          Originally posted by Nicky
                                                          If investments count into "saving" I'd say abit over 50%
                                                          ya ofcourse. Nice one mate
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                                                            • TheSquealer
                                                              Mayor of Thneedville
                                                              • Oct 2004
                                                              • 26174
                                                              #16
                                                              It's irrelevant unless you are an employee or on a fixed salary. If you are a business owner, then should be investing, reinvesting and reinvesting some more.
                                                              .
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                                                                • Lykos
                                                                  Too lazy to set a custom title
                                                                  • Apr 2003
                                                                  • 31032
                                                                  #17
                                                                  No save here

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                                                                    • BareBacked
                                                                      Confirmed User
                                                                      • Feb 2007
                                                                      • 3685
                                                                      #18
                                                                      Originally posted by Lykos
                                                                      No save here
                                                                      ;)
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                                                                        • Barefootsies
                                                                          Choice is an Illusion
                                                                          • Feb 2005
                                                                          • 42635
                                                                          #19
                                                                          Originally posted by ThumbLord
                                                                          about 50% at the moment, but heh I am 60 years old and have a splendid pre-pension and if I reach 65 years all other pension funds will kick in and I will have a hard time to consume/spend all that money.
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                                                                            • Barefootsies
                                                                              Choice is an Illusion
                                                                              • Feb 2005
                                                                              • 42635
                                                                              #20
                                                                              Originally posted by TheSquealer
                                                                              If you are a business owner, then should be investing, reinvesting and reinvesting some more.
                                                                              Agreed.

                                                                              While I am not saying you should 100% reinvest all of it back into your business (i.e. rainy day fund, 6 month of expenses saved, etc.), you should have some diversity in your investments and assets. Too much online, or off, can ultimately crush you like 2008 did many people. Both in real estate and stocks.

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                                                                              Enough Said.

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                                                                                • CyberHustler
                                                                                  Masterbaiter
                                                                                  • Feb 2006
                                                                                  • 28728
                                                                                  #21
                                                                                  30%.....
                                                                                  “If you can convince the lowest white man he’s better than the best colored man, he won’t notice you’re picking his pocket. Hell, give him somebody to look down on, and he’ll empty his pockets for you.”

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                                                                                    • porn500
                                                                                      Registered User
                                                                                      • Oct 2011
                                                                                      • 94
                                                                                      #22
                                                                                      0%

                                                                                      I reinvest and live my life (tomorrow I may not live)
                                                                                      Jacob
                                                                                      Program Manager

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                                                                                        • CyberHustler
                                                                                          Masterbaiter
                                                                                          • Feb 2006
                                                                                          • 28728
                                                                                          #23
                                                                                          Originally posted by porn500
                                                                                          0%

                                                                                          I reinvest and live my life (tomorrow I may not live)
                                                                                          porn500.com is not loading for me at the moment.
                                                                                          “If you can convince the lowest white man he’s better than the best colored man, he won’t notice you’re picking his pocket. Hell, give him somebody to look down on, and he’ll empty his pockets for you.”

                                                                                            Comment

                                                                                            • beks001
                                                                                              Confirmed User
                                                                                              • Oct 2006
                                                                                              • 1837
                                                                                              #24
                                                                                              Granted, I don't make shit in this industry. Maybe a 1-2 G's a month if I am really lucky but that aside. I would say the smartest thing to do if you are a business owner is to DO ALL THREE. Spend what you need, reinvest for sure and definitely save at least something. Someone said 401k and IRA is stupid in this thread? Uh, you're either are a brilliant tax guy or you have so much money coming in or put away that you don't need to look for tax saving opportunities to secure green for the future. I can't think of any other reason why you wouldn't want to save. I would bet that the big wigs in this industry have all that shit lined up and are doing all three.

                                                                                              I pay my business expenses with the money, I reinvest a 25 percent of it and I save the rest....probably why I don't make shit for money in this industry. Maybe one day I'll take a chance.
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                                                                                                • sojproductions
                                                                                                  Confirmed User
                                                                                                  • Aug 2006
                                                                                                  • 2160
                                                                                                  #25
                                                                                                  I don't save, I re-invest in my main business as well as side businesses and allocate a certain amount each month into property which i rent out which in theory is my pension. Saving = 0
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                                                                                                    • Alex69
                                                                                                      Confirmed User
                                                                                                      • Aug 2007
                                                                                                      • 328
                                                                                                      #26
                                                                                                      like 90%

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                                                                                                        • AliceInBondageLand
                                                                                                          Confirmed User
                                                                                                          • Apr 2012
                                                                                                          • 161
                                                                                                          #27
                                                                                                          I save 5% of my monthly income. Not much, but everything else goes into building my little empire.
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                                                                                                            • BareBacked
                                                                                                              Confirmed User
                                                                                                              • Feb 2007
                                                                                                              • 3685
                                                                                                              #28
                                                                                                              nice answers
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                                                                                                                • 2intense
                                                                                                                  Too lazy to set a custom title
                                                                                                                  • Dec 2009
                                                                                                                  • 12493
                                                                                                                  #29
                                                                                                                  20-30% maybe
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                                                                                                                    • O MARINA
                                                                                                                      I'm clockin' ya, Versace shade watchin' ya
                                                                                                                      • Mar 2003
                                                                                                                      • 13796
                                                                                                                      #30
                                                                                                                      Originally posted by ThumbLord
                                                                                                                      about 50% at the moment,

                                                                                                                      lucky you!

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                                                                                                                        • notjoe
                                                                                                                          Confirmed User
                                                                                                                          • May 2002
                                                                                                                          • 5599
                                                                                                                          #31
                                                                                                                          Fucking saving for retirement. I am working on dying early. I consider blow, hookers, and booze to be my retirement plan!

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                                                                                                                            • Kenny B!
                                                                                                                              Confirmed Abuser
                                                                                                                              • Jun 2003
                                                                                                                              • 5718
                                                                                                                              #32
                                                                                                                              If what I save is greater than what my wife spends in any given month, it's a good month!

                                                                                                                              Seriously though I don't look at it as a %, I know my fixed monthly expenses and they don't usually vary, so on killer months much more gets socked away, on leaner months a little less.
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                                                                                                                                • Bryan G
                                                                                                                                  Confirmed User
                                                                                                                                  • Aug 2005
                                                                                                                                  • 8338
                                                                                                                                  #33
                                                                                                                                  Originally posted by notjoe
                                                                                                                                  Fucking saving for retirement. I am working on dying early. I consider blow, hookers, and booze to be my retirement plan!
                                                                                                                                  Bryan
                                                                                                                                  skype: bryan.glass3 | ICQ 302999591

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                                                                                                                                    • xJerk
                                                                                                                                      Registered User
                                                                                                                                      • Jun 2011
                                                                                                                                      • 33
                                                                                                                                      #34
                                                                                                                                      I just spend what I want, then save the rest.
                                                                                                                                      Contact: admin [at] xjerk.com

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                                                                                                                                        • shake
                                                                                                                                          frc
                                                                                                                                          • Jul 2003
                                                                                                                                          • 4663
                                                                                                                                          #35
                                                                                                                                          I save everything I can, and spent the least amount possible. Yeah, I don't party much...
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                                                                                                                                            • ajrocks
                                                                                                                                              Confirmed User
                                                                                                                                              • Nov 2004
                                                                                                                                              • 4526
                                                                                                                                              #36
                                                                                                                                              70% of the time I save 45% of my earnings, but 25% of the time I'm wrong about those numbers.
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                                                                                                                                                • Paul Markham
                                                                                                                                                  Too old to care
                                                                                                                                                  • Jun 2001
                                                                                                                                                  • 52942
                                                                                                                                                  #37
                                                                                                                                                  Been regularly putting around 20% of my income into long term and short term investments since 1980. Best money I ever used.

                                                                                                                                                  Spread the money around in investments outside the business since 1988, in case the shit hit the fan and it collapsed. Good years it was higher. Now I can sit back and live off of the investments. Actually have more money in the bank than we had this time last year, turned into even a bigger miser.

                                                                                                                                                  As for investing in the business, that was required as a month to month thing. Needed to invest in shoots that paid back in a 6-18 months time. Kept money on the side, for when a real money maker was found.



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                                                                                                                                                    • Alice22
                                                                                                                                                      Confirmed User
                                                                                                                                                      • Nov 2003
                                                                                                                                                      • 907
                                                                                                                                                      #38
                                                                                                                                                      When we earned much more money, we saved a lot. Well, i can't tell how much % exactly, but it wasn't low for sure.
                                                                                                                                                      Now, when time are different, and unfortunately, business it's not what it was before, we started to reinvest almost anything we make.
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                                                                                                                                                        • BareBacked
                                                                                                                                                          Confirmed User
                                                                                                                                                          • Feb 2007
                                                                                                                                                          • 3685
                                                                                                                                                          #39
                                                                                                                                                          Originally posted by xJerk
                                                                                                                                                          I just spend what I want, then save the rest.
                                                                                                                                                          nice site y0ou have
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                                                                                                                                                            • suesheboy
                                                                                                                                                              Confirmed User
                                                                                                                                                              • Nov 2002
                                                                                                                                                              • 5211
                                                                                                                                                              #40
                                                                                                                                                              It has been a roller coaster the past 7 years. Been profitable every year, net savings basically flat. New car, home improvements, new locations and a few toys (most necessary to make money) seem to eat up any excess - especially the past 2 years.

                                                                                                                                                              Not upset yet, but understand it can't go on this way much longer.
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                                                                                                                                                                • VenusBlogger
                                                                                                                                                                  So Fucking Banned
                                                                                                                                                                  • Nov 2011
                                                                                                                                                                  • 1540
                                                                                                                                                                  #41
                                                                                                                                                                  15 K per month? LOL...

                                                                                                                                                                  with luck, only 5% of this forum AFFILIATES do that now...

                                                                                                                                                                  15K? LOL... even 10K is ultra hard to do in adult for the average affiliate nowadays.

                                                                                                                                                                  ALMOST NOBODY does that anymore.

                                                                                                                                                                  Again, I'm talking about affiliate webmasters of paysites.

                                                                                                                                                                  AGAIN..., I'm talking about affiliate webmasters of paysites.

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                                                                                                                                                                    • BareBacked
                                                                                                                                                                      Confirmed User
                                                                                                                                                                      • Feb 2007
                                                                                                                                                                      • 3685
                                                                                                                                                                      #42
                                                                                                                                                                      Originally posted by VenusBlogger
                                                                                                                                                                      15 K per month? LOL...

                                                                                                                                                                      with luck, only 5% of this forum AFFILIATES do that now...

                                                                                                                                                                      15K? LOL... even 10K is ultra hard to do in adult for the average affiliate nowadays.

                                                                                                                                                                      ALMOST NOBODY does that anymore.

                                                                                                                                                                      Again, I'm talking about affiliate webmasters of paysites.

                                                                                                                                                                      AGAIN..., I'm talking about affiliate webmasters of paysites.
                                                                                                                                                                      It was just an example. It could have easily been take home $100k a month
                                                                                                                                                                      Prolly not many affiliates doing that now days.
                                                                                                                                                                      10k easy a ton
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                                                                                                                                                                        • ColBigBalls
                                                                                                                                                                          Confirmed User
                                                                                                                                                                          • Aug 2003
                                                                                                                                                                          • 1733
                                                                                                                                                                          #43
                                                                                                                                                                          Gota spend it to make it. Take that for what you will.

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                                                                                                                                                                            • seeme
                                                                                                                                                                              Stephen
                                                                                                                                                                              • Jun 2011
                                                                                                                                                                              • 840
                                                                                                                                                                              #44
                                                                                                                                                                              I like to spend all mine, it keeps me working and sane

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                                                                                                                                                                                • anexsia
                                                                                                                                                                                  Confirmed User
                                                                                                                                                                                  • May 2010
                                                                                                                                                                                  • 5735
                                                                                                                                                                                  #45
                                                                                                                                                                                  I put almost all of my adult income away in stocks

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