this post was submitted on 14 Nov 2025
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Couple of observations. I am the sole earner in our house. I am fortunate that I make about $140k and we live suburban Texas. In our family of 4 our basic expenses are as follows.
Mortgage is $2100/ month
Homeowners insurance $400/ month
Property tax $200/month
Car insurance $185/month
Electricity $250/month (average)
Natural gas $40/month
Water+trash $200/month
Internet $90/month
Streaming (disney/netflix/audible) $45/month
Groceries $400-600/month
Gas $200/month
Toll roads $50-100/month
Cell phone $200/month
Coffee once a week $40/month
Date night food (once a week) $500/month
Fucking health insurance for the family is $750/month (my contribution, my employer pays the majority)
Roughly $6250/month give or take.
We don't have consumer debt, no car notes, no child care (stay at home parent cares for the kids) no daycare, and no paid child activities.
That is just our fixed expenses, something always comes up so obviously there is more but its inconsistent.
My car is a 2019 wrx that was $30k we paid it off last year but the note on that was $470/month. I couldn't get that car for that price today.
We have an older suv for my partner and I have an old pickup that sits unused unless we need to make a hardware run, those vehicles are paid for, no loans and have been for 10+ years.
Our last house was purchased for $191k in 2016 and we sold it for $295k this past year.
Our insurance went from $1200/year to $4800 per year on that house before we sold it. Similar thing with property taxes.
Unless you have managed a 10% return or salary increase, your money doesn't go as far as it used to.
I am happy to pay my fair share of taxes. For what I am paid, I feel like its reasonable to contribute more in taxes based on my earnings, but as a result, my take home is obviously not $140k. So when you figure fixed expenses are ~$75k, plus my 401k contributions, savings for my kids college fund, and incidentals for stuff like car tires, birthdays, christmas, house repairs, medical expenses, etc, its relatively easy to eat up the remainder of that pool.
Your house is too big and you own too many cars
The car are all fully paid for and have been for a while. Only one gets driven at a time and my commute is about 5 miles. The collective value of the cars is less than 35k. Other than my wrx, the others have 250k+ miles.
I won't argue on the house, I will also say I don't really care. We aren't strapped for money, our needs are met, we contribute to savings at a good rate, and when interest rates drop we will refinance the house which will free up ~$600/month or we will reduce the loan term. Our interest rate went from 2.25 to 6.7 percent when we moved.
Its real easy to say "your house is too big' without knowing anything about where someone lives or their circumstances.
Thank you for sharing. I'm curious why the water bill is so high, is it due to less water being available in Texas?
They lump trash and water together since the city provides them. Water bill is like $40 by itself, trash and recycling make up the rest.