{"id":22023,"date":"2013-09-25T00:14:31","date_gmt":"2013-09-25T07:14:31","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=22023"},"modified":"2024-08-12T09:46:51","modified_gmt":"2024-08-12T16:46:51","slug":"how-i-live-on-less-than-40000-annually-lynsey-from-minnesota","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id22023-how-i-live-on-less-than-40000-annually-lynsey-from-minnesota.html","title":{"rendered":"How I Live on Less Than $40,000 Annually: Lynsey from Minnesota"},"content":{"rendered":"
\"\"<\/a>

Lynsey doesn’t let the vagaries of a variable income cramp her style — in fact, she’s figured out how to use it to her advantage.<\/p><\/div>\n

My name is Lynsey and I’m 25-years-old with no children. I’m from Minnesota and have a bachelor’s degree in Marketing and Business Management. I am currently employed in the marketing field.<\/p>\n

I’ve always been pretty responsible with my money, however I realize that life is meant to be lived. I’m lucky enough that I live comfortably and can do all the things I enjoy; but when it comes time to eventually buy my first home<\/a>, or retire, I will still have the nest egg to do both.<\/p>\n

The Vagaries of Variable Income<\/strong><\/p>\n

Unlike most people, I don’t receive the same amount of pay each month. I’m paid a base salary of $22,000 per year. My salary is my “live off of” money. I use this to pay my monthly expenses.<\/p>\n

After taxes, health insurance, and a 6% 401k contribution with a 3% employer match, I receive $590 every two weeks, or roughly $1180 per month. There are two months during the year when I receive three paychecks, but I don’t count those two extra checks as part of my “live off of” money. I’ll explain why later.<\/p>\n

I also receive a monthly sales commission check which varies drastically from month to month. Since that income is so unpredictable<\/a>, I consider this yearly income, not monthly. It typically varies annually between $13,000 and $17,000, before taxes, which is why I do not include it in my “live off of” money.<\/p>\n

Despite earning less than $40,000 annually, I never “go without.” I live in a nice house, drive a nice car, wear nice clothes, go out with friends frequently, and still manage to put some cash away in savings.<\/p>\n

Expenses and Savings<\/strong><\/p>\n

I live in a shared house and pay $325 per month which includes my rent and all utilities.<\/p>\n

I’ve only ever taken a loan out once to pay for a car. I currently drive a 2007 Pontiac G6, which I paid cash for, so I do not have an auto payment.<\/p>\n

\"\"<\/a>I do not break down my budget as far as others do allotting so much for gas, groceries, clothing, entertainment, etc. I have two fixed expenses every month: my rent and a $40 student loan payment. After those are paid I have $855 left to spend on whatever I want. I allow myself that freedom.<\/p>\n

I charge everything on a credit card<\/a>, I don’t care how much I spend, or what I spend it on. My only rule is that my credit card bill must be under $800 every month. If I only spend $500 one month, then I take the difference and put it in a savings account. I also do the same with those “extra” two paychecks I get every year. The money that goes into this savings account is what I use for emergencies, vacations, unexpected expenses, or whatever else I need to throughout the year. It’s also where the cash came from to purchase my car without a loan.<\/p>\n

I use online banking and check my credit card balance online to make sure I’m where I need to be for the month. I check both accounts several times per week.<\/p>\n

It’s pretty easy to keep my credit card bill under $800 each month. I typically spend $200 on gas, $200 on groceries, $45 cell phone bill, and the rest is spent on eating out, concerts, clothes, sporting events, or anything else I feel like doing. If I wanted to cut this down I could very easily, but since I save such a large portion of my annual income I let myself have fun and splurge with my monthly income.<\/p>\n

The commission portion of my income is strictly for saving. It gets automatically deposited<\/a> into a savings account. There is a $250 payment deducted from my savings each month for another student loan payment. I also take an additional $5000 out each year and invest it in my Roth IRA. My savings fund also pays for my car insurance every six months; that comes out to be about $800 per year. Whatever is left over gets put into another savings account.<\/p>\n

Closing Tips and Thoughts<\/strong><\/p>\n

I use a credit card for everything because it’s quick, easy, convenient — plus I get great rewards. I use a Discover card which pays me 5% cash back on certain categories and 1% on everything else; I’ve earned several hundred dollars this way. However, you have to be careful. Swiping that credit card is MUCH easier than handing over cash — so if you don’t have good self-control, credit cards may not be the best method for you.<\/p>\n

I have lots of hobbies including, camping, hunting, fishing, snowmobiling, attending concerts, taking vacations, and I do a lot of partying. The only debt I have is about $20,000 in student loans which I’ve paid down to about $15,000 since graduating. I pay a little extra on them each month, and when my savings account is looking extra healthy I’ll throw a couple hundred bucks down on one of them.<\/p>\n

I’m very good about living within my means. I have many friends who make less than me but drive nicer newer cars, and live in big fancy houses with expensive mortgages. They appear<\/em> to be very well off, but I’ve found it to be very helpful to no longer compare myself to those types of people. I know that I want to retire early one day and I will be able to do that because I live modestly now and save. Keeping that goal in front of me helps when I get the “new car envy” or “big-house jealousy” that creeps its way in from time to time.<\/p>\n

Also, I never deprive myself<\/a> of anything. If I really want to take a week-long vacation to Jamaica, I go do it! Letting yourself spend a portion of your hard-earned money on what you want makes saving the rest much easier.<\/p>\n

***<\/p>\n

If you’re a household CEO who is successfully making ends meet on roughly $40,000 per year or less, I’d love to hear from you<\/a>. Contact me at Len@LenPenzo.com and be sure to put “$40,000” in the subject line. If I publish your story, you’ll get a $25 gift card!<\/em><\/p>\n

Photo Credit: PhillipC<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

My name is Lynsey and I’m 25-years-old with no children. I’m from Minnesota and have a bachelor’s degree in Marketing and Business Management. I am currently employed in the marketing field. I’ve always been pretty responsible with my money, however I realize that life is meant to be lived. I’m lucky enough that I live […]<\/p>\n","protected":false},"author":6,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","pmpro_default_level":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[480],"tags":[],"class_list":{"0":"post-22023","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-frugal-living","7":"pmpro-has-access","8":"entry","9":"has-post-thumbnail"},"yoast_head":"\nHow I Live on Less Than $40,000 Annually: Lynsey from Minnesota<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lenpenzo.com\/blog\/id22023-how-i-live-on-less-than-40000-annually-lynsey-from-minnesota.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How I Live on Less Than $40,000 Annually: Lynsey from Minnesota\" \/>\n<meta property=\"og:description\" content=\"My name is Lynsey and I’m 25-years-old with no children. 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