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raging moderate · 10-02-2009, 08:34 PM

So, I was paying my bills the other day, and I realized something. Only about 15% of my paycheck is actually flexible income/disposable. The rest goes to student loans, cc bills (again, largely from school and requisite irresponsibility), car payment, rent/utilities, etc. (And yes, I realize that rent is not supposed to take up more than "x" percent of your monthly gross, and it doesn't (I don't think) because for me, rent + utilities only take up about 30% of my monthly income. ) And for this point I am counting groceries and gas in that "flexible" category, which in and of itself is debatable, but that's not really the point.

(one caveat: I am not counting the 10% of my income that goes straight into a savings account that I use exclusively for lump-sum payoffs of my consumer debt ie car payment.)

Anyway, question is, how much of your regular income is flexible, percentage-wise? Am I the only one stuck in this irritating situation?

10-02-2009, 08:34 PM	#1 (permalink)
raging moderate Insane Location: Whatever house my keys can get me into	Disposable Income So, I was paying my bills the other day, and I realized something. Only about 15% of my paycheck is actually flexible income/disposable. The rest goes to student loans, cc bills (again, largely from school and requisite irresponsibility), car payment, rent/utilities, etc. (And yes, I realize that rent is not supposed to take up more than "x" percent of your monthly gross, and it doesn't (I don't think) because for me, rent + utilities only take up about 30% of my monthly income. ) And for this point I am counting groceries and gas in that "flexible" category, which in and of itself is debatable, but that's not really the point. (one caveat: I am not counting the 10% of my income that goes straight into a savings account that I use exclusively for lump-sum payoffs of my consumer debt ie car payment.) Anyway, question is, how much of your regular income is flexible, percentage-wise? Am I the only one stuck in this irritating situation?