Feeling like a failure?

Use the comparision to drive yourself to do better. If your earnings are what give you self-worth then try and do something about it to get higher pay. It is not going to happen without effort.
 
Rent 3bed townhouse/duplex - R10 000
Medical aid 2 + toddler - R4 500
Creche - R2 300
Car - R3 500
Car 2 -R4 500
Insurance - R1 400
Electricity - R800
Clothes acc - R1000
Life insurance - R500
DSTV - R290
Internet - R199
2 x Cell phones - R1 000
Study loan - R2 500
Domestic - R700
Petrol - R2 000

Total: R35 189

No groceries included here. Add another R5k for food, cleaning material, entertainment etc. Total R40k

Income required = R28k salary plus R22k salary.

Yes do not need two cars being paid off but both had 12 year old cars with 300k on so had to replace. Took a second hand bigger car and a very low R200k car for the wife as she needs something reliable.

Life is expensive.
 
Stefanmuller said:
Rent 3bed townhouse/duplex - R10 000
Medical aid 2 + toddler - R4 500
Creche - R2 300
Car - R3 500
Car 2 -R4 500
Insurance - R1 400
Electricity - R800
Clothes acc - R1000
Life insurance - R500
DSTV - R290
Internet - R199
2 x Cell phones - R1 000
Study loan - R2 500
Domestic - R700
Petrol - R2 000

Total: R35 189

No groceries included here. Add another R5k for food, cleaning material, entertainment etc. Total R40k

Income required = R28k salary plus R22k salary.

Yes do not need two cars being paid off but both had 12 year old cars with 300k on so had to replace. Took a second hand bigger car and a very low R200k car for the wife as she needs something reliable.

Life is expensive.
Click to expand...
Age? Profession?
 
I'm 37.

Compared to the above ... I'm ****ed. I get in the low teens.

And yet people expect teachers to bend over backwards for almost everything because we chose to work with YOUR children.
 
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33&33&2.

Accountant (doing my board exams this year, finished articles in 2010) and HR.

The point I wanted to make though is that expenses add up quickly without being extravagant at all.
 
I will one day gather enough energy to talk you all through one day at my school.

It will be an essay of note.

I will have to also post a summarized version.

And unfortunately I will also have to post a tl;dr version.

While teaching is rewarding it has its polar opposite moments as well.

And with opposite moments I mean like in "butt-kicking" moments!!!

And I don't mean butt-kicking like you would butt-kick Faff du Plessis for not hitting a hundred in every game.

It's butt-kicking on a much more personal level. Because believe it or not 13yo boys are still the same when they are adults.
 
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Stefanmuller said:
Rent 3bed townhouse/duplex - R10 000
Medical aid 2 + toddler - R4 500
Creche - R2 300
Car - R3 500
Car 2 -R4 500
Insurance - R1 400
Electricity - R800
Clothes acc - R1000
Life insurance - R500
DSTV - R290
Internet - R199
2 x Cell phones - R1 000
Study loan - R2 500
Domestic - R700
Petrol - R2 000

Total: R35 189

No groceries included here. Add another R5k for food, cleaning material, entertainment etc. Total R40k

Income required = R28k salary plus R22k salary.

Yes do not need two cars being paid off but both had 12 year old cars with 300k on so had to replace. Took a second hand bigger car and a very low R200k car for the wife as she needs something reliable.

Life is expensive.
Click to expand...

I look at that and my brain automatically thinks your cellphone bill should be half that. Clothes can be halved.

Buy a R120k run around for the missus and a R200k family car and you can save R2k a month right there. You'll need that extra 2k for when your kid gets to school.

It is amazing how frugal I have come to be. It is depressing. I save every non-essential cent and still can't afford a decent place.
 
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It amazing that people think that they have a right to have children but no responsibility to properly take care of them.
 
Kilgore_Trout_Redux said:
I look at that and my brain automatically thinks your cellphone bill should be half that. Clothes can be halved.

Buy a R120k run around for the missus and a R200k family car and you can save R2k a month right there. You'll need that extra 2k for when your kid gets to school.

It is amazing how frugal I have come to be. It is depressing. I save every non-essential cent and still can't afford a decent place.
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Property is expensive as hell. We own a townhouse in a very average area of Pretoria, and it's worth around R1.3m these days. I've been looking at a bigger place as we're thinking of starting a family, and you just don't get very far with less than R2.5m in the nicer areas of Pretoria. Hell, a small plot of land (<800m2) is about R1m in the Waterkloof area.
 
Messugga said:
Property is expensive as hell. We own a townhouse in a very average area of Pretoria, and it's worth around R1.3m these days. I've been looking at a bigger place as we're thinking of starting a family, and you just don't get very far with less than R2.5m in the nicer areas of Pretoria. Hell, a small plot of land (<800m2) is about R1m in the Waterkloof area.
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I live in Cape Town so I feel the pain of property prices and cost of living in general.
 
Kilgore_Trout_Redux said:
I live in Cape Town so I feel the pain of property prices and cost of living in general.
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Yip. I earn significantly more than OP and the same goes for my wife, but I'll be damned if I consider a 2.5m house affordable, even taking into account the area. I honestly don't know how people do it... They must be scraping by after those bond payments.
 
Messugga said:
Yip. I earn significantly more than OP and the same goes for my wife, but I'll be damned if I consider a 2.5m house affordable, even taking into account the area. I honestly don't know how people do it... They must be scraping by after those bond payments.
Click to expand...

Yep.
 
Kilgore_Trout_Redux said:
I look at that and my brain automatically thinks your cellphone bill should be half that. Clothes can be halved.

Buy a R120k run around for the missus and a R200k family car and you can save R2k a month right there. You'll need that extra 2k for when your kid gets to school.

It is amazing how frugal I have come to be. It is depressing. I save every non-essential cent and still can't afford a decent place.
Click to expand...

Cell at R500 each includes handset plus calls. Its never more than that though.
Cars is a second hand R165 000 plus a demo R220 000. Not extravagant. Could it be cheaper? Yes of course.

Point I'm trying to make is that those salaries don't allow luxuries, and both have university degrees (multiple for me including post graduate) and 8 years+ working experience.

There is nothing I can cut from that budget that would make a major difference except move to a different area and rent a first floor flat (not ideal with a toddler). Buying a 3 bed place will cost me R15k minimum. Cars yes could be lower. Wife bought her car after getting a new job but since then changed jobs and took a pay cut so that she does not have to drive to town every day and for better working conditions and to actually arrive home before the kid's bed time.
 
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