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Old 07-22-2018, 03:27 PM
 
581 posts, read 547,850 times
Reputation: 117

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Quote:
Originally Posted by pierrepont7731 View Post
I'm reacting to a joke that's funny. Back to thread... So have you looked at any other places that were cheaper than $1600? If not, how long are they going to hold that place for you?
There is nothing funny here, Pierrepont. This thread has turned into a bullying situation and I learnt to stand up for myself. If that troll keeps attacking me, I won't be silent. As for the original question, I don't wish to discuss it anymore. Thank you!
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Old 07-22-2018, 03:31 PM
 
2,084 posts, read 793,432 times
Reputation: 4055
Quote:
Originally Posted by safina1 View Post
20% or more?

how do you make a decision whether a rental is affordable or not? I have been looking for studios but I am not sure how much I have to keep on the side for emergencies or savings.

Any advice would be very appreciated as I need to make a quick decision. I found a place in a nice neighborhood in a prewar building but I am hesitant to apply. The rent would be about 38% of my net income.

The banks use the 30% rule when they check you out for a loan. In my world, 38% is perfectly good. Make up a budget that includes the new rent but also set a savings contribution every month for at least 10%. Then figure out if you can do it comfortably.
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Old 07-22-2018, 03:50 PM
 
581 posts, read 547,850 times
Reputation: 117
Quote:
Originally Posted by kitty61 View Post
The banks use the 30% rule when they check you out for a loan. In my world, 38% is perfectly good. Make up a budget that includes the new rent but also set a savings contribution every month for at least 10%. Then figure out if you can do it comfortably.
Thanks so much! I appreciate it!
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Old 07-22-2018, 03:57 PM
 
3,039 posts, read 992,283 times
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Quote:
Originally Posted by kitty61 View Post
The banks use the 30% rule when they check you out for a loan. In my world, 38% is perfectly good. Make up a budget that includes the new rent but also set a savings contribution every month for at least 10%. Then figure out if you can do it comfortably.
I can't seem to stay under 40% because my cola raise always comes five months after the rent increase so my rent is always 37% to 40%.
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Old 07-22-2018, 05:07 PM
 
581 posts, read 547,850 times
Reputation: 117
Quote:
Originally Posted by pierrepont7731 View Post
Give it a rest already. We've been down that road already. Either she'll cut back or she won't. She may have a particular diet that she's on where she needs more money. What works for one doesn't always work for all.
Ryu: Yes you have it easy. I am on a treatment plan for a severe eating disorder- something I didn't wish to disclose in the beginning. You wanna switch places?
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Old 07-22-2018, 05:38 PM
 
6,817 posts, read 4,424,078 times
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Quote:
Originally Posted by safina1 View Post
Ryu: Yes you have it easy. I am on a treatment plan for a severe eating disorder- something I didn't wish to disclose in the beginning. You wanna switch places?
I didn't force you to develop an eating disorder, love! You need to blame the mass media for brainwashing you into developing a body dysmorphia which created that eating disorder. I hope you get better!

And no i don't want to switch places. I am happy with who i am. I don't drink alcohol/beer, do drugs, smoke, drink caffeine. I live a clean life and exercise mon to fri at 6 am. I take my vitamins like Hulk Hogan told be when i was a little boy. No dairy for me since cow's milk is for baby cows and i am not a cow. moooooo!
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Old 07-23-2018, 12:05 AM
 
581 posts, read 547,850 times
Reputation: 117
I didn't say I have a body dysmorphia so watch your mouth! And I am not blaming you or the media. You implied I have it easy and I responded to that. What I am really blaming you for is that you ruined this thread with your insults and trolling.

And don't call me "love", you troll!

Last edited by safina1; 07-23-2018 at 12:38 AM..
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Old 07-23-2018, 03:46 AM
 
6,817 posts, read 4,424,078 times
Reputation: 7608
Quote:
Originally Posted by safina1 View Post
I didn't say I have a body dysmorphia so watch your mouth! And I am not blaming you or the media. You implied I have it easy and I responded to that. What I am really blaming you for is that you ruined this thread with your insults and trolling.

And don't call me "love", you troll!
I didn't ruin anything. People are still giving you advice for whatever reason. You should review your original thread from 2009 and re-bump that one if you still have questions. There was no need for a new one.

I guess i will respond to your new thread in 9 years with the same title i suppose.

later!

Last edited by Mr. Ryu; 07-23-2018 at 04:12 AM..
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Old 07-23-2018, 03:55 AM
 
64,551 posts, read 66,100,109 times
Reputation: 42988
Quote:
Originally Posted by safina1 View Post
50% - 15% - 5% ?

that is total of 70%. so where is the rest? am I missing something?
yes you are missing something . the 30% difference is your discretionary spending . that 30% is for whatever you like .
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Old 07-23-2018, 06:47 AM
 
581 posts, read 547,850 times
Reputation: 117
the troll is telling me what to do!
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