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#I would have about 1000 left every month AFTER rent utilities and groceries if I start buying my own groceries
doebt · 2 years
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Guess who got a target iunterviewwwww.... MEEE ^_^ Tbh if the nursing home paid 15 an hr i wouldve stuck with it. Like thats GOOD money for this area with how cheap a lot of apartments here are...including mine
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yournewapartment · 7 years
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I've been looking around for a while and I don't know if minimum wage would be enough to get an apartment, buy food, and take care of all my cats and it's just generally stressing me out and now I'm wondering if I should even think of living alone
Take a deep breath! While not ideal, living on minimum wage can be done. My advice to you would be to look for some sort of roommate situation as opposed to living on your own. You could also rent a room in a house which would be significantly cheaper than a one bedroom apartment. Your cats shouldn’t cost you more than $50 extra a month, and they will give you such relief and comfort. Moving out of your parent’s house and living on your own can be stressful and feel overwhelming- you’ll want your furry friends by your side!
Budgeting on Minimum Wage
Overview
The average minimum wage in the US is $7.25/hr. Even working full time at 40 hours a week, that’s only a profit of $290 before taxes. This is not a fair living wage! You are worth way more than this amount! I strongly encourage you to start looking for another job that pays better, look for something around the $10-$15 range.
While $7.25 is atrocious, thousands of people around the world support families on much less. If they can do it while supporting children, so can you! To live off a minimum wage budget you need to declare yourself independent. If your parents are still claiming you as a dependent YOU WILL NOT BE ABLE TO DO THIS. I also recommend that you have the highest amount possible taken out of your taxes so that you get money back from your state at the end of the year, instead of being in debt to them. 
What I’ve done is come up with a budgeting plan based off some made up factors and my own personal experience.
Housing
1. City life. Forget about the city! Apartments located in cities can be three times as expensive as apartments in small towns or villages. On top of the extra expense, they’re much smaller and have less amenities included. I’d much rather live in a one bedroom apartment with a dishwasher and a conveniently located Laundromat, than a literal closet with no windows on a fifth floor walkup. Look for apartments twenty minutes to a half hour outside of your closest city. Now you have the close conveniences of a city, with none of those pesky city prices that your budget can’t handle.
2. College towns. Shop around and look at apartments by local colleges. Large colleges with have apartment complexes within walking distance of the school grounds. Landlords know that college students have less money (you might even be a college student yourself) and adjust their prices accordingly. Even apartments next to ivy league schools are priced this way, so don’t be discouraged by the institution’s “prestige”.
3. Locale. Your safety is more important than your bank account. It doesn’t matter if you live in Section 8 housing or in an affluent suburb. Some apartment complexes and neighborhoods are just safer than others. I live in a heavily populated and upper middle class suburb, and the first year I moved in, a drunk woman tried to throw a beer bottle at my car. Thankfully this is the only time this happened to me, but it made me feel unsafe in my environment. Before signing a lease, walk or drive around your prospective home’s neighborhood at night. Take in the atmosphere, and make sure it’s one where you could comfortably run to the local supermarket at 10:30pm and pick up toilet paper.
4. Roommates. Living on minimum wage requires that you find one or two roommates to help split the rent. The more the better! Get together with your more responsible friends, so at least you’re living with people whose company you enjoy. There are lots of “roommate wanted” forums and message boards for you to browse on the internet, but always bring a responsible adult with you before meeting a stranger. Please. Bring your mom if you have too.
Food
1. Low-spoon food. I created this post a few months ago which offers lots of suggestions about cooking and shopping on a budget.
2. Online recipes. Here are some of my favorite online Tumblr cookbook resources.
- College Student Cookbook. Click here.
- Meals On The Go. Click here. (Not a cookbook, but super helpful)
- Broke College Kid Masterpost. Click here.
- Cooking on A Bootstrap. Click here.
- Good and Cheap. Click here.
- Budget Bytes. Click here.
3. I also regularly update my cooking on a budget tag.
Misc Expenses
1. Gas. Shop around and find the cheapest gas in your area. Avoid gas stations next to colleges, highways, and in touristy areas. Look into getting as gas rewards card from your favorite supermarket. I get 10 cents off a gallon with Stop & Shop every time I do a big shop.
2. Dollar store. Get to know your local dollar and bargain stores. You can buy everything from pots and pans to bed sheets there. These stores often sell bulk ramen for $1 and large cans of crushed tomatoes for 75 cents. That’s enough food for you to live off of for several days. When shopping, I make three grocery store stops to ensure that I spend the least amount possible on my pantry needs. I go Dollar Store, Stop and Shop, and then to my local organic grocery store. I’m going to make a list of things that I buy at Dollar Stores and things that I don’t buy at Dollar Stores soon!
3. Cable. We are living in the digital age- you don’t need cable television. Use Netflix or Hulu or whatever. It will save you tons of $$.
4. Internet. As far as internet speed goes, if you’re living with roommates you will probably need a higher speed. Living by yourself, choose a lower one. Most internet companies offer large discounts to new subscribers. These typically only last a year, but will save you serious money. Make sure to take note of when this discount expires, and contact the company before it does. If you don’t, they’ll begin charging you the full amount without notice.
5. Verizon. I just want to take a moment to talk about how much I love Verizon because they have literally saved me so much money in the three years I’ve been with them. After you sign a contract with a new internet company, they charge you a bunch of ridiculous fees like “activation fees” and “installation fees”. I called Verizon and was like “I’m a poor college student, I can’t afford this” and they were like “don’t worry, we’ll waive the fee”. I signed a two year contract with them that saved me $80 on a high-speed internet bill per month (my price being only 50.99 a month). After the contract expired I call them and they put me on a month to month, keeping the price absolutely the same. TLDR- get Verizon if you can.
6. Utility. Get on a monthly budget with whatever utility company services your new apartment. Although it may seem like the cheaper option, paying the actual amount of electricity you spend per month is the more expensive. It’s also unpredictable, and a minimum wage budget won’t allow for it. See this for more info.
7. Amazon. I buy a lot of my beauty, cleaning, and cat products online. Amazon offers Prime shipping free for a year with a student email address, and then offers it at a greatly reduced price after the year. If you are a student, snap up that free deal ASAP. If it’s in your budget, I’d greatly recommend investing in Amazon Prime.
8. Saving money. It’s so important to attempt to break way from the “paycheck to paycheck” vicious cycle. Living this way does not allow for emergency expense money, and trust me, sometime soon you will need emergency expense money. Your cat might get sick or your car may die, whatever it is, it’s always smart to have at least $500 squirreled away. I’m gonna level with you, things have been tight for my budget and I haven’t been able to save anything for the past three months. But this month I will!
Example Budgets
Full Time
Working with the $7.25/hr and 40hr/week model, here’s an example budget for living on minimum wage. That’s $1,160 a month without taxes.
Housing: Let’s say you’re sharing an apartment with two close friends, the rent being $1,500 without any amenities. That rent split three ways is $500 each.
Gas I commute twenty minutes every day, and I drop about $20-$25 a week on gas. That’s $100 on gas a month.
Food: I do one big shopping a month with my boyfriend. We drop around $180 and that’s including toiletries and soap and stuff. So maybe you’ll spend about $100 a month on all your shopping needs.
Cable/internet:  Hopefully you took my advice and skipped cable. Let’s say you’re paying around $50 per month for internet. Split three ways that’s $17 each.
Laundry: Hopefully you’re not like me and are only spending around $20 on laundry per month.
Random expenses: Because there always are some. Especially when you have cats. Let’s just tack on another $100.
With everything added up, you still have around $290 left before taxes! That money can go into a savings account, and after several months, you’ll have that $500 worth of emergency money saved.
Part Time
Working with the $7.25/hr and 25hr/week model, here’s an example budget for living on minimum wage. That’s $725 without taxes.
Housing: In this case, you need to look for apartments in the $800-900 range. In my area, one bedroom apartments go for around $1000, so you may need to get creative with your roommate (I don’t think you could have more than one roommate in this situation). Buy dividers to split the bedroom or studio in half! Let’s say your rent is $850 with nothing included, that’s $425 each.
Gas You’re still looking at a large gas bill per month, so it may be more inexpensive to ride a bike or use public transportation. Let’s say you use public transportation, and spend around $50 a month on that. Or maybe you and your roommate can split gas expenses and share a car?
Food: Pinch those pennies! Use some of those budget cookbooks I linked above to help you cook healthy and delicious meals for under $4 each. See if you can only spend $80 a month on groceries.
Cable/internet:  Hopefully you took my advice and skipped cable. Let’s say you’re paying around $50 per month for internet. Split two ways is $25 each.
Laundry: Hopefully you’re not like me and are only spending around $20 on laundry per month.
Random expenses: Because there always are some. Let’s just tack on another $100.
That leaves you $25 to put in your bank account, if that. This is a paycheck to paycheck situation, and you will probably need to get another source of income to feel secure. But you can still do it!
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Huson Montana Cheap car insurance quotes zip 59846
"Huson Montana Cheap car insurance quotes zip 59846
Huson Montana Cheap car insurance quotes zip 59846
BEST ANSWER:  Try this site where you can compare quotes: : http://saleinsurancequotes.xyz/index.html?src=tumblr 
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Hey, I have a job @ walmart and i make pretty decent money & next thursday when i get paid im going to e-z way auto sales which is a pay here buy here car lot for no credit car buyers to go to establish car history credit & the car that caught my eye was a black on black on black 2004 Ford Mustang GT, I have to have it and the payments wouldn't be that much, something I could afford. What about the insurance? What's the cheapest for my age? I just turned 18 last month & i don't wanna pay more than $200 for car insurance, that'll be more than my car payment. HELP ME OUT!""
Where can i get the cheapest motorbike insurance?
Hello, am currently 16 but very soon will be 17 and i am going to get my full motorbike license so i can rid a 125cc motorbike. I have been looking around for insurance quotes and so far all have been very expensive even third party only at around 900. The motorbike i want to get is a yamaha r125 yzf and am wondering if any of you have some advice?""
""So, is a MAZDA 3 sedan good for first time driver?""
insurance cost?( 19 and a female, live in sf) my dad could own the car and put me as co owner so that insurance wud be lower..hmm? fuel cost? and the cost of the car( including taxes and everything else) please help!""
Is surfing without health insurance a bad idea?
I'm moving to southern California for a job soon and want to try surfing, but my health insurance won't kick in for 2 months. Aside from drowning to death, which health insurance doesn't cover anyway, are there a lot of injuries that require doctors and hospitals? Man I just get on a board and go...""
Why does the Honda Insight ('00-'05) cost so much to insure? (UK)?
Why does the 2000 - 2005 Honda Insight have group 12 insurance status in the UK?! Its such a shame, I have been looking to upgrading my small car at the moment, and have always liked the old Insight. For some strange reason it didn't ever seem to take off, and it was way ahead of its time, and is still a very good, one of the best ever mass manufactured cars for fuel consumption (may even be the best). It has a 1 litre engine, which produces just 66bhp, but is extremely efficient so achieves 83MPG and has a 0-60 time of 12.1s (top speed: 112mph). Remember group 12. Or I could pick out a Seat Toledo 2 litre Sport - produces 147bhp, 34MPG, has a 0-60 time of 9.4s (top speed: 128mph). This is a group 10. Why isn't the insight lower?!?!!?!??!?!?!?!?!!?!?!?!?!? Any info would be great""
Huson Montana Cheap car insurance quotes zip 59846
Huson Montana Cheap car insurance quotes zip 59846
How can i get homeowners insurance if i own a rottweiler?
i currently have gieco home insurance and they said they will not cover my home if i own a pit bull, rottie or chow what i'm i supposed to do with my rottie? please help""
How can I get the other driver's insurance co. to pay the full cost of rental car?
I was hit from behind and the other driver's insurance company has accepted liability but, they only want to reimburse me about $27/day for a rental car when I'll have to pay around $50/day. They are also dictating to me some terms about the duration of the rental car period based on the number of shop hours estimated for repair. I am wondering if there is some leverage I can use to make them pay 100% of the rental car cost for a reasonable car and duration.""
Im 15 and how much am i looking forward to pay on my car insurance? The car is a 2005 chrysler 300c?
It's a black car V6 engine i live in the city it will be parked in the garage and we have a low crime rate in the city ? i would like specific answers or similar stories?
Looking for Maternity Insurance?
We're wanting to get preggers in the near future. We're trying to look at our financial options for insurance. Currently we don't have major medical insurance (I don't need any comments on this, it's not what I'm asking about). I'm hoping to get a type of maternity insurance that will cover a couple thousand dollars. We're also planning on home birthing (again, this isn't my question, so I'm not interested in opinions on this matter). Does anyone know any carriers that I could get some maternity insurance from for the states of Utah and/or New Mexico?""
In the state of california is it illegal to drive a car with out auto insurance?
In the state of california is it illegal to drive a car with out auto insurance?
Can a family friend put me on their car insurance?
So i live in the state of california. I have had my learners permit for more than six months now. I want to get my drivers license but due to the economic crisis my parents aren't able to pay every month to have me on their car insurance. A family friend has offered to put me on their car insurance, but what my parents want to know is if that is legal in the state of california or do I HAVE to be insured by my parents?""
Hi i passed my driving test 3 weeks ago on my 18th day and looking for a car which is cheap on insurance?
I have been looking at a 5 door 2003 ford fiesta but I am 6ft tall and is the fiesta seems too small for me. I have been looking at a 2005 1.6 5 door ford focus 3771 monthly premium to insure. Will my insurance be effected if i go for a 1.6 can any one help me
Who does the cheapest car insurance for 17 year old males?
I am looking to get insured on a peugeot 106 quicksilver for under 3,000 its only a 1.4 but all the company's i look at want up to 11 grand.""
Where do I buy car insurance online india?
I want to buy car insurance online.Where do i buy?
Best car insurance company to use?
I am 22 and just traded my 2003 VW beetle for a 2010 honda civic LX (which is being financed). I use 21st Century and they're going to raise my rate by a couple hundred dollars per year. I pay every 6 months. I feel like this is too much. Even though I'm not yet 25, it seems a little excessive. Are there any suggested insurance companies with a more competitive rate? BTW I'm in California if that makes a difference...""
Self Employed Health Insurance?
My father just quit his old job, he couldn't work there anymore (Too long commute and we lost a parent, so he had to stay closer home for the family) So now he is self employed. We are trying to find insurance that will cover him, 4 children, vision (we all wear glasses) + dental. Does anyone have any suggestions? (We live in PA)""
How much will 2 points effect my car insurance?
I am 17 years old. I live in New Jersey, got my license 6 months ago. I was driving through Maryland and I got a speeding citation worth two points. My parents do not know about the speeding ticket, but I already paid it. How much will it effect my Geico car insurance rates? Also, I just received the advisory notice in the mail today, called the MVC and they just said it was pretty much a piece of paper saying I got a ticket....""
""Car insurance, sports cars, young drivers?""
I'm looking into a 1996 Mitsubishi Eclipse when I turn 18 for my first car. Does anybody have any idea on how much I'm looking at insurance wise per month? Other cars I'm also looking into are Firebirds, Camaros, Eagle Talons, Mitsubishi 3000 GT Is the insurance for these cars going to be the same amount?""
What is the cheapest car insurance if you have bad credit and low income?
What to do if you can't afford car insurance
Has anyone got car insurance with the Cooperative?
what are they like?, good service etc? would you recommend""
""Im 20 years old and a full time student and work part time, if i move out, can i stay on my dad's insurance?""
Im 20 years old and a full time student and work part time, if i move out, can i stay on my dad's car and medical insurance even though i do not live at home but im under 25""
Insurance friendly car modifications?
Given the cost of insanely expensive car insurance, I have put off modifying my car for the forseeable future. However, I want to know if there are any modifications I can do that will not affect my insurance premium. For example, do I need to tell the insurance company if I respary my standard wheels in a different colour? Thanks.""
What is the basic kind of insurance required by California Law?
What kind of insurance covers something like another driver hitting your car door, and then driving off before you could get their license plate # what is comprehensive , and what is collision, ?""
How does a wrecked car loan payoff (by insurance company) affect credit score?
I have a car that I have a loan on that has been wrecked. Since the bank owns the car, I have full coverage & insurance is writing it off. They are going to cut a check to the bank for the balance due on the car. I have so far paid this loan on time; it has been rebuilding my credit. When the loan is paid off by insurance, will I get more points to my score since the loan was technically paid off early? Or will I only gain based on my status as paid ontime at this point?""
When do you get your infrant car seat base installed by the California highway patrol?
Do they check for insurance on the vehicle?
How much would a 16 year old boy pay for car insurance?
I am not 16 yet, but I want to get a Chevy Camaro. I live in PA, and am wondering how much car insurance would cost me a year with out wrecks, tickets, etc. I went to chevy.com and built my own Camaro, and it cost me about $25,000 with the specs, and colors I want.""
Does anyone know the cost of insurance for an infiniti g37 for a 18 year old boy?
Apparently, the dealer says infiniti g37 aren't technically sports cars so the insurance wouldn't be too high for my son. I'm not to sure though..can anyone clear this matter up?""
Should I buy life insurance online?
I want to buy a life insurance plan for myself, and later for my husband. I have done some research, although I must say it's all very confusing and there are zillions of options. Now that I have a better idea, however, I am wondering if buying the plans online is at all an option. Do you have an experience with it? Do you recommend it, or feel that it's completely not a good idea?""
Why are some people so adamant that having ONLY private medical insurance is best?
What do you think? This is a quote from the following article: In addition, under the settlement, Health Net agreed to halt employee bonuses that were based in part on how many rescissions they performed. And here's the article, with other reputable links inside: http://www.medicalnewstoday.com/articles/138914.php Anthem Blue Cross Announces Settlements With California Insurance Department Over Rescinded Health Insurance Policies; Health Net Announces Settlement""
Who has the lowest rate for car insurance? How much do you pay for yours?
my insurance is kicking my ***. work sucks... low pay. But I need my car for work! I need a lower rate! Who are you with and how much do you pay a month?
Huson Montana Cheap car insurance quotes zip 59846
Huson Montana Cheap car insurance quotes zip 59846
Would the insurance company find out if you modify ur engine?
im gettin an accord nd i wanna add performance to it bc i aint a ricer nd ma dad doesnt want me to nd i was wondering if the insurance company would find out by themselves if yu mod your engine and increase the rate. my insurance company is geico nd my dad pays for it so i dnt want him to be like why is the rate going up nd find out tht i added turbos nd air intakes nd ****
State Farm insurance?
I have my own insurance and it was. 230 a month now I am getting a new car and I need collusion I am getting a Honda civic sedan 2012 white can anyone tell me an estimate on how much my insurance will go up Ps the car is financed . I have State Farm, I am 20 years old I reside in ny and I have had no accident""
Should I be paying for car insurance? I don't have a car because I was in an accident.?
I was in an accident back in November and my car was totaled. The claim just closed a few days ago because they finally paid our medical bills and everything. Should we have to pay for car insurance right now? We still haven't purchased a vehicle because we didn't get much for our car. How do we handle this?
""Who has the most lenient car insurance? Husband has points on his license from speeding, need cheap coverage.?""
Who has the most lenient car insurance? Husband has points on his license from speeding, need cheap coverage.?""
How much do you think my insurance will cost for my car?
I'm 16 and a female. I'm getting my license in a few days, and my parents are going to add me on to the insurance list. We've never had any accidents, except my dad, but someone hit him on his motorcycle, it wasn't his fault. My car will probably be made around 1998-2008. We have Allstate. What's your rough estimate?""
Classic car insurance companies?
Classic car insurance companies?
Car insurance / ownership question?
Right now I live with my parents, we have 3 cars and there are 3 drivers. All of the cars are in my parents name. One of the cars is a total beater and was given to me as my own car, but we never bothered changing the ownership over because we didn't think it would live very long. Now, I'm getting married and moving in with my husband. I'd love to take 'my' car with me but to transfer it to my name would cost a fortune in repairs as it wont pass the safety as it is. It's not a bad car, but things like the parking break don't work and the suspension is awful and I know if I take it in to get the safety done they'll give me 7 days to do several thousand dollars of pointless repairs or scrap my car. My question is can I continue to drive this car while it is under my parents name? I will be living at a different adress from them also. I'm currently also under there insurance policy as a registered driver on this car. Can I continue paying the policy to continue to be an insured driver while living at a different address? If anyone's had a similar situation or is in the insurance business please let me know! I'm stressing out about potentially having to junk a car that drives perfectly fine due to politics. I live in Ontario Canada.""
What's the best deals on auto insurance?
What's the best deals on auto insurance?
What happens if you get in a accident with no insurance?
I got in an accident today. It wasn't my car it was my moms, I gave the cop my license, registration, and insurance. However, I didn't know that the insurance was lapsed. It hadn't been paid. There wasn't any damage to the lady's car, and minimal damage to mine. Me and the women were getting ready to take off, but a cop came up, and said that because it was a main road, that we needed to fill out an accident report. She isn't gonna call her insurance company, but if she does, and they find out there wasn't insurance, are there fines to pay, do they take the car? I know I'll have to pay for whatever damages she may have on her car out of my pocket.""
Is It Cheaper To Be Added As A Named Driver On My Mother's Insurance?
Hi, Ive got my test on 5th april, so i am looking to buy a cheap car soon, as expected insurance for 17 year old male is very expensive. i was wondering if anyone had a rough estimate how much my mums insurance would go up by if she added me as a named driver. she's got 21 years no claims discount and she pays about 400 a year. do i have to pay a deposit or anything? Thank you in advance for your answers :)""
How much will my insurance cost?
Hi! I'm a new driver and thinking of getting a new honda accord 2013. I'm 20 years old and I'm wondering whats my quota gonna be? thanks!
Can i extend my insurance quote?
I have a quote and it expires on the 27th this month. When i try and get another quote its 3 times as much. I would get it now but i will have 1 years ncb on the 7th of oct. If i rang them up do you think they would extend the quote expirey date? Or do u think they might accept my 11 months and 2 weeks ncb? Or even make me pay an extra 30 or so to start the insurance now then send them proof when i get the ncb
Will this effect my car insurance?
(btw if this makes any difference whatsoever, I live in the UK) So I'm soon to be a new driver and insurance for new drivers at the moment is really expensive! I'm aware of that! But my question was this: basically I'm looking to buy my first car, but the car I'm looking to buy was involved in an accident with not the current owner, but the owner before that! And I don't quite fully understand this but the accident was apparently a 'Category D' accident? So what I was wondering was, as this car has been in an accident, (but is now repaired) even though it wasn't me who had the accident, will this effect the price of my car insurance, as the car I will be driving will have been involved in an accident before, but not involving myself? Thanks guys :) xx""
Can I get liability insurance on a 2005 mazda tribute or will I have to get full coverage?
Can I get liability insurance on a 2005 mazda tribute or will I have to get full coverage?
Shouldn't Pres. Obama step up to the plate and tell them he just wants affordable insurance for all now?
Tell em to screw the lobbyists, so what if the health care lobbyists payed the House and Senate members over $500 million last year, I mean donated that much to them. They will have to wait, but people are dying now..""
""How much does car insurance usually cost for a 17 year old in Ontario, Canada?
a 17 year old brand new driver (Girl) owning her first car? (a pontiac sunfire) IN CANADA !! NOT THE US
Anyone have Mega Insurance?
It's supposed to be for the self employed. Is the high premium worth the benefits or even the coverage compared to other insurance companies out there (like e health insurance.com)
Can you drive your parents' car without insurance?
i am 16 and live in Washington and I was wondering if I had to pay my own insurance to drive their cars.
19 year old car insurance.?
My family has a 02 Honda civic that I can fix up and use I'm 19 going on 20 and I need a car to get around. I done online insurance quotes and I've been getting ridiculous quote prices for a low end 12 year old car. (200 - 300) What would be some recommendations for possible companies. And how much do you think it would be if I got on a policy with my parents.
What's the best auto insurance you can get for a female under 25?
I had Liberty Mutual. I got a low premium because of my parents but when the taxes went up they totally jacked up my premium. Plus their customer service is TERRIBLE and they're grimy. So then I went to Progressive - One lady helped me get my policy, then I called them for another reason and another rep. said I didn't even get the best quote I could've gotten. I'm kind done with these brand name insurance companies. I was looking into one called Elephant insurance but I'm not sure if it's actually any good. Does anyone know anything about them? Is there any other company I can try? I'm 20, I turn 21 next month. I've never had an accident. And I don't know what my credit score is or if I even have one yet (I'm working on it.)""
Is it possible for someone to sponsor your car insurance?
I heard you could find somebody to sponsor your car insurance and the rate will go down if the person has good credit. Is that true? and what company has lowest insurance rate for 2 way?
What is the cheapest economical car i can buy in the UK?
i want cheap insurance, tax and fuel consider that i am 18 years old dont want a box under the car""
How much would i pay for car insurance?
How much would i pay for car Insurance for cheap car that cost me honda accord 2000,I am 28 Years old, never been in any accident,I got my license 8 years ago""
What is a semiannual premium for car insurance?
My quote was: Semiannual premium: $1251 Do I pay $1251 twice a year?
Car accident now what? insurance question?
I was in my first major car accident, my car was totaled. I was waiting at the light to make a left turn, the green arrow came on and i went and some one coming from the opposite side of the lane in the opposite way ran a red light and hit me, he claims on the report he doesn't know how the accident happened. I just wanted to know what do you think will happen? A witness was talking to the cops but his information is not on my police report. It has to go through his insurance what are the odds that they will know that he was in the wrong and not me??""
Huson Montana Cheap car insurance quotes zip 59846
Huson Montana Cheap car insurance quotes zip 59846
https://www.linkedin.com/pulse/im-moving-las-vegas-how-much-car-insurance-nevada-william-willis/"
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aowanders-blog · 7 years
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New Post has been published on https://aowanders.com/why-i-love-whitefish-montana/
Why I love Whitefish Montana
WHITEFISH MONTANA
Whitefish Montana is this vibrant little mountain town nestled between Glacier National Park, Flathead Lake & Big Mountain Ski Resort. Millions of people every year travel to this iconic vacation destination to see its magnificent beauty & mountainous landscape.  Surrounded by world class fishing in every creek, river, stream & lake fisherman flock from around the globe.  Thousands of miles of trails attract hikers, bikers, ATVs, snowmobiles & anybody else that wants to be in the great outdoors.
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Within striking range to Banff, Yellowstone, Hood River, Mount Rushmore, Jasper, Sandpoint & Mount Rainier its perfect for an unforgettable summer road trip family vacation.  Along with all the outdoor activities Whitefish Montana is full of other adventurous activities for the whole family to enjoy.  From hockey games at the ice arena to eating crepes for breakfast on main street Whitefish has something for everybody.
FACTS OF WHITEFISH MONTANA
With a population of 7,200 in 2016, and hits every checkbox a tourist, traveler or local could ever want its one of the best kept secrets in America.  Accessible by plane, train, bus or car makes it even more confusing why its not on everyone’s radar.  I’ve lived in the Whitefish area twice, and when my travels are done it will be my permanent home.  Unless I stumble across something even better on my trip around the AO LOOP.  A one bedroom apartment will run you about $750 and a two bedroom is under a $1000.
RV spots run around $500 a month unless you can get a spot at the private park at the entrance of town at the gold & antique store.  They only charge $230/month, but those spots are filled with long term residents who have been there for years.  Utilities combined will run you around $200/month, and Kalispell is a full service town 17 miles away for all you big box store supply needs.  Plus there are two nationwide grocery stores right in town so groceries for me (a single guy) was around $200/month.
Most  jobs pay around $12-15/hr, and a server or bartender can make around $4,000/month.  Montana has no sales tax, and the cost of alcohol is the cheapest in the nation.  A bud light goes for $2 at every bar on Main Street, and almost every bar has kino, slots or Texas Hold’em Poker.
ACTIVITIES OF WHITEFISH MONTANA
With my hobbies, interests & lifestyle its the perfect set up.  With an outdoor playground to ski, hike, camp, climb, fish, raft, mountain bike, snowmobile & ATV I couldn’t ask for anything more.  After a long day in the backcountry to come back into town to grab dinner at a variety of restaurants from steakhouses to sushi, or take in a movie at the theater.  Meet up with friends for a round of golf on 1 of the 4 courses, or knock some pins over at the local bowling alley.  Whitefish Montana has it all.
From antiques to waterparks if you can’t find it here you didn’t look hard enough.  On Sundays & Mondays you can play No-Limit Poker at the Remington Bar, or you can play 2-5 Limit Poker any day of the week at the Bulldog Saloon.  Spend all day walking up & down mainstreet shopping for clothes, gear, souvenirs or art.  Visit the local ice arena to join an adult league, watch youth hockey or sign up for open skate. Inhale a yoga session at the Yoga Hive, or rent jet ski’s and whip around the 25th largest lake in America.  There’s two theater companies, and a brewery right downtown to give you even more options.
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Make your way to Columbia Falls and spend the day at Montana’s largest waterpark, or go ziplining right outside of Glacier.  Take a fly fishing lesson, or sign up for a whitewater raft tour.  Go dancing at Caseys on Main Street, or head up to their rooftop bar and sip martini’s as you watch the sun set into the mountains.  The only thing Whitefish Montana doesn’t have is indoor skydiving or surfing, but I’m sure its on the way.
  WINTERS IN WHITEFISH MONTANA
Winters are cold, but when you live in a mountain town at the base of a ski resort you’ll take the cold over the heat any day of the week.  With 4 ski resorts within an hour of Whitefish, and 13 more within striking range skiing rocky mountain powder is magnificent.  The ice arena has leagues for all ages & skills to get you out of the house.  Snowshoeing, cross-country skiing, snowmobiling & ice fishing are all on the table as well.
Need a break from the snow take Amtrak to Seattle or Portland for a day trip or long weekend getaway.  All the bars in town have an open mic or karaoke night.  Learn jiu- jitsu, or get a membership at Waves.  The only health club with an indoor waterpark.  Whitefish is a four season town that has just as much to do in the winter as it does in the summer.  The off season is only October & April.
      VIBE OF WHITEFISH MONTANA
The vibe and pulse of Whitefish Montana is active, modern, genuine & neighborly.  My first night there I was invited to house party. It wasn’t a binge drinking puke on my shoes while I hold your hair back house party.  We played bocce ball, volleyball, monopoly & pictionary until the sun came up.  Then we then built a raft to get to the sand bar so we could build a rope swing, and hang out on all day.  It was good clean harmless fun with good people, and the town is full of good people.
If you get a DWI its because you ignored the 8 stranger offering to drive you home for free.  Neighbors will show up with homecooked food & donations when life knocks you off your feet. Whitefish isn’t about sports cars, bling & bass.  Its about quality, family, friends, memories, experiences & the simplicity of a “good life”.  The mentality is treat others how you want to be treated, and watch out for one another.  Its infectious & quite rare in today’s America.
Obviously there is a small “shady” community, but google the local newspaper and read the police blotter.  Its not uncommon to see: “An individual called 911 emergency services last night because there were raccoons in his neighbors garbage.”  Tell me another city were that call would make the police blotter because there is so little crime they don’t have any other option but to publish it!  That’s Whitefish for you.  There may be some bad apples, but doors remain open.  Cars park with windows down, and money left in plane site.  Its a way of life I hope stays in Whitefish Montana forever.
Use Trover to find even more discoveries, and leave a comment below about what you think of Whitefish Montana.
Whitefish – a photo list by AOWANDERS
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yournewapartment · 8 years
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Hello, I'm the anon who's freaking out about being thrown into adulthood, and thank you for your previous help. 1.) How do I mamage/budget a minimum wage salary? 2.) I've never been great with any sort of organization, but would you mind teaching me about home organization and important paper organization?
Okay, so this post will be about budgeting on minimum wage, and later in the day I will also post about paper organization. Enjoy!
Budgeting on Minimum Wage
Overview
The average minimum wage in the US is $7.25/hr. Even working full time at 40 hours a week, that’s only a profit of $290 before taxes. This is not a fair living wage! You are worth way more than this amount! I strongly encourage you to start looking for another job that pays better, look for something around the $10-$15 range. 
While $7.25 is atrocious, thousands of people around the world support families on much less. If they can do it while supporting children, so can you! To live off a minimum wage budget you need to declare yourself independent. If your parents are still claiming you as a dependent YOU WILL NOT BE ABLE TO DO THIS. I also recommend that you have the highest amount possible taken out of your taxes so that you get money back from your state at the end of the year, instead of being in debt to them.
What I’ve done is come up with a budgeting plan based off some made up factors and my own personal experience.
Housing
1. City life. Forget about the city! Apartments located in cities can be three times as expensive as apartments in small towns or villages. On top of the extra expense, they’re much smaller and have less amenities included. I’d much rather live in a one bedroom apartment with a dishwasher and a conveniently located Laundromat, than a literal closet with no windows on a fifth floor walkup. Look for apartments twenty minutes to a half hour outside of your closest city. Now you have the close conveniences of a city, with none of those pesky city prices that your budget can’t handle.
2. College towns. Shop around and look at apartments by local colleges. Large colleges with have apartment complexes within walking distance of the school grounds. Landlords know that college students have less money (you might even be a college student yourself) and adjust their prices accordingly. Even apartments next to ivy league schools are priced this way, so don’t be discouraged by the institution’s “prestige”.
3. Locale. Your safety is more important than your bank account. It doesn’t matter if you live in Section 8 housing or in an affluent suburb. Some apartment complexes and neighborhoods are just safer than others. I live in a heavily populated and upper middle class suburb, and the first year I moved in, a drunk woman tried to throw a beer bottle at my car. Thankfully this is the only time this happened to me, but it made me feel unsafe in my environment. Before signing a lease, walk or drive around your prospective home’s neighborhood at night. Take in the atmosphere, and make sure it’s one where you could comfortably run to the local supermarket at 10:30pm and pick up toilet paper.
4. Roommates. Living on minimum wage requires that you find one or two roommates to help split the rent. The more the better! Get together with your more responsible friends, so at least you’re living with people whose company you enjoy. There are lots of “roommate wanted” forums and message boards for you to browse on the internet, but always bring a responsible adult with you before meeting a stranger. Please. Bring your mom if you have too.
Food
1. Low-spoon food. I created this post a few months ago which offers lots of suggestions about cooking and shopping on a budget.
2. Online recipes. Here are some of my favorite online Tumblr cookbook resources. 
- College Student Cookbook. Click here. 
- Meals On The Go. Click here. (Not a cookbook, but super helpful)
- Broke College Kid Masterpost. Click here.
- Cooking on A Bootstrap. Click here.
- Good and Cheap. Click here.
- Budget Bytes. Click here.
3. I also regularly update my cooking on a budget tag. 
Misc Expenses
1. Gas. Shop around and find the cheapest gas in your area. Avoid gas stations next to colleges, highways, and in touristy areas. Look into getting as gas rewards card from your favorite supermarket. I get 10 cents off a gallon with Stop & Shop every time I do a big shop. 
2. Dollar store. Get to know your local dollar and bargain stores. You can buy everything from pots and pans to bed sheets there. These stores often sell bulk ramen for $1 and large cans of crushed tomatoes for 75 cents. That’s enough food for you to live off of for several days. When shopping, I make three grocery store stops to ensure that I spend the least amount possible on my pantry needs. I go Dollar Store, Stop and Shop, and then to my local organic grocery store. I’m going to make a list of things that I buy at Dollar Stores and things that I don’t buy at Dollar Stores soon!
3. Cable. We are living in the digital age- you don’t need cable television. Use Netflix or Hulu or whatever. It will save you tons of $$. 
4. Internet. As far as internet speed goes, if you’re living with roommates you will probably need a higher speed. Living by yourself, choose a lower one. Most internet companies offer large discounts to new subscribers. These typically only last a year, but will save you serious money. Make sure to take note of when this discount expires, and contact the company before it does. If you don’t, they’ll begin charging you the full amount without notice.
5. Verizon. I just want to take a moment to talk about how much I love Verizon because they have literally saved me so much money in the three years I’ve been with them. After you sign a contract with a new internet company, they charge you a bunch of ridiculous fees like “activation fees” and “installation fees”. I called Verizon and was like “I’m a poor college student, I can’t afford this” and they were like “don’t worry, we’ll waive the fee”. I signed a two year contract with them that saved me $80 on a high-speed internet bill per month (my price being only 50.99 a month). After the contract expired I call them and they put me on a month to month, keeping the price absolutely the same. TLDR- get Verizon if you can.
6. Utility. Get on a monthly budget with whatever utility company services your new apartment. Although it may seem like the cheaper option, paying the actual amount of electricity you spend per month is the more expensive. It’s also unpredictable, and a minimum wage budget won’t allow for it. See this for more info.
7. Amazon. I buy a lot of my beauty, cleaning, and cat products online. Amazon offers Prime shipping free for a year with a student email address, and then offers it at a greatly reduced price after the year. If you are a student, snap up that free deal ASAP. If it’s in your budget, I’d greatly recommend investing in Amazon Prime.
8. Saving money. It’s so important to attempt to break way from the “paycheck to paycheck” vicious cycle. Living this way does not allow for emergency expense money, and trust me, sometime soon you will need emergency expense money. Your cat might get sick or your car may die, whatever it is, it’s always smart to have at least $500 squirreled away. I’m gonna level with you, things have been tight for my budget and I haven’t been able to save anything for the past three months. But this month I will!
Example Budgets
Full Time
Working with the $7.25/hr and 40hr/week model, here’s an example budget for living on minimum wage. That’s $1,160 a month without taxes.
Housing: Let’s say you’re sharing an apartment with two close friends, the rent being $1,500 without any amenities. That rent split three ways is $500 each.
Gas I commute twenty minutes every day, and I drop about $20-$25 a week on gas. That’s $100 on gas a month.
Food: I do one big shopping a month with my boyfriend. We drop around $180 and that’s including toiletries and soap and stuff. So maybe you’ll spend about $100 a month on all your shopping needs.
Cable/internet:  Hopefully you took my advice and skipped cable. Let’s say you’re paying around $50 per month for internet. Split three ways that’s $17 each.
Laundry: Hopefully you’re not like me and are only spending around $20 on laundry per month.
Random expenses: Because there always are some. Let’s just tack on another $100.
With everything added up, you still have around $290 left before taxes! That money can go into a savings account, and after several months, you’ll have that $500 worth of emergency money saved.
Part Time
Working with the $7.25/hr and 25hr/week model, here’s an example budget for living on minimum wage. That’s $725 without taxes.
Housing: In this case, you need to look for apartments in the $800-900 range. In my area, one bedroom apartments go for around $1000, so you may need to get creative with your roommate (I don’t think you could have more than one roommate in this situation). Buy dividers to split the bedroom or studio in half! Let’s say your rent is $850 with nothing included, that’s $425 each.
Gas You’re still looking at a large gas bill per month, so it may be more inexpensive to ride a bike or use public transportation. Let’s say you use public transportation, and spend around $50 a month on that. Or maybe you and your roommate can split gas expenses and share a car?
Food: Pinch those pennies! Use some of those budget cookbooks I linked above to help you cook healthy and delicious meals for under $4 each. See if you can only spend $80 a month on groceries.
Cable/internet:  Hopefully you took my advice and skipped cable. Let’s say you’re paying around $50 per month for internet. Split two ways is $25 each.
Laundry: Hopefully you’re not like me and are only spending around $20 on laundry per month.
Random expenses: Because there always are some. Let’s just tack on another $100.
That leaves you $25 to put in your bank account, if that. This is a paycheck to paycheck situation, and you will probably need to get another source of income to feel secure. But you can still do it!
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