Interested to hear in this economy
What % of your net monthly income do you SAVE ???
What % of your net monthly income do you SAVE ???
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I try to do around 7.5 gross, and then another 5 gross on pre-tax investments.Vacares - Web Hosting, Domains, O365, Security & More - Paxum and BTC Accepted
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Honestly, it depends.
Right now I am investing a lot back into my business and new 2010 projects. So I should probably be doing more than I currently am. But right now I am looking, and gearing up, to the future.Comment
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hmmmmm 0 ?Comment
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0.
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;-( ................Comment
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i have no clue, as long as i make more than what i spend it's all good.Comment
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currently 5 percent
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I try to put away at least 35% every month. This year has been a great year, invested in another property, got solid renters in it, paid 50% of the property cash and I am debt free apart from my own mortgage. I had a lot of student debt hanging over me from 7 years ago, finally killed it all last month. Hoping to push that up to 50% now that I've paid of some other small monthly amounts too. I really have a low cost life.Comment
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Since you can borrow money at historical lows.. for NOTHING.. wouldn't you be better off borrowing out of your investment properties in order to buy more? Not so much that your current properties wouldn't cashflow, and comfortably, allowing for vacancy and upkeep... but if it's doable, do it ... you end up with more .. alot more .. every time you end up with too much equity, you pull it out.. borrowing is tax free or at least deferred
How much of my income do I save.. ?
Whatever's left over to put in my belly.. LoL over here.. hellLast edited by MrMaxwell; 11-18-2009, 02:15 AM.Comment
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When I buy my next property I'll go over all of that with my Financial guy. He keeps me right, does what is best for me at the time. If I have the cash on hand I prefer to pay the downpayment and forget about it. However if I can buy more properties over a shorter space of time then I'm gonna look into it.Since you can borrow money at historical lows.. for NOTHING.. wouldn't you be better off borrowing out of your investment properties in order to buy more? Not so much that your current properties wouldn't cashflow, and comfortably, allowing for vacancy and upkeep... but if it's doable, do it ... you end up with more .. alot more .. every time you end up with too much equity, you pull it out.. borrowing is tax free or at least deferred
How much of my income do I save.. ?
Whatever's left over to put in my belly.. LoL over here.. hellComment
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Right, lets piss it all away, who gives a fuck, 2012 is coming!Comment
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I invest the majority into current and new projects.Skype Horusmaia
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I try to save 15-25%. But the gf likes to spend it“If we are to have another contest in the near future of our national existence, I predict that the dividing line will not be Mason and Dixon's but between patriotism and intelligence on the one side, and superstition, ambition and ignorance on the other.”
-- Ulysses S. GrantComment
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hahahaha ... you must be joking bro
good one
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I don't have much expenses at the moment. Just normal business expenses that my printing company is paying off, so I'm saving most of my income80% Revshare or 30$ PPS on $1 trials: 200 Niches = Vidz.com Galleries / FLVs / Embeds
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I do it a little different, I have a budget that I live within each month the rest goes to savings/investments.
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A lot. I invest something back to work, pay the bills and then only spend for things like food, some clothes, nothing more lately. Right now I have everything I need, the new house, a car and I just don't feel like there is something missing. But I surely need a vacation, though.Comment
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I haven't really been able to save in quite awhile. Besides paying my own bills and debt(s) I also use a lot of my money to help my dad. No, my dad is not some useless bum or anything like that. A couple years ago he ended up in the hospital, problems happens, some brain damage, he's in a "old folks" home right now and I'm doing everything that I can financially to make sure that he can at least enjoy himself. Sure, it makes me be broke, but as long as my dad is happy that's all that matters right now.ICQ: 16544251 - Skype: gator37 @ eastlink.ca - email: yngwie @ isys.caComment
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Basically about 0% right now...kinda gotta get on that.ICQ: 589860018
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this year close to 50%
last year was about 30%
im working towards an early retirementComment
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As much as possible.
Currently I save everything beyond expenses and 15% growth for my online assets. So technically that would be a 85% savings rate. No online assets put any spending money in my household budget anymore. It all goes into savings.
My savings occasionally do end up funding other investment assets every so often after we run numbers to make sure they make 100% sense with minimal risk.
The wife's business's covers all her business expenses plus a 15% growth reinvestment rate. She does pull a 200.00 a week do what she wants with salary which she rarely uses. Her funds also covers the van note and insurance as of 2 months ago since her new business made full sense of it needing a van.
All of our main bills are covered by our rental income, some assorted passive assets income streams, and storage money income. Storage is technically another business though.
Biggest problem is that I have to blow through savings way to often with current medical issues. So to play it safe we do keep assets separate. Always have and always will in the event I can not keep up with my bills. So we have different savings and plans. Most all new investments are hers and my name is not on them. If not for medical problems I could of retired long ago. We still save with retirement in mind. Oddly our retirement plans are a working retirement goal since we both would go bat shit if we did not have something we could do if we wanted and we both have a need and desire to work for ourselves to earn money. It is part of our spirit.
I do catch a lot of shit around here for how frugal I am. Hell bring up a coupon thread or buying off label brands (caned food outlets, warehouse shopping, money saving) etc. and watch how many "players in their minds" laugh and mock you. Saying saving 30 bucks shopping is not worth the hour it took you during the week to prepare for it.Comment
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If that is really the case you should evaluate your life right now. Find a job that pays a wage and get that shit ASAP. I know you have to be young enough to be working 80-120 hour wees if needed. Get a damn job or 3 and work them. Do your webmaster stuff when your not working. Only warning would be that you can not post on here as much as you do, then again most people who are hurting for cash should not be on here most of the day anyways when there are jobs available.Comment
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