EF Financial Demographics. What is your household income? Totally confidential/private survey.

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EF Financial Demographics. What is your household income? Totally confidential/private survey.

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Contributor: Bignuf Bignuf
Stormy and I "discussed" on this site, peoples general income levels. I assumed this group was young, but relatively well off, having spare cash to spend on adult toys. She was thinking people here might be more limited in their spare income. This has become a huge topic of discussion between my hubby and I and then with our dinner group on Friday. When people have "lots" of disposable income, where do they spend it? When people have little disposable income, where do they spend it? Etc. Just an interesting thought game. So, in this confidential survey (it's private, so be honest), let's see how much income we have around here. Please only list your own or your income plus a significant other (or others?), that you would have full access to. In short, if you live with a room-mate who is not in a relationship with you, obviously their income is not available to you, and should not be counted. However, if you share income in any way, add it up, as your "household income".
Got it? Oh, I forgot to add "OTHER" and "I just don't care to answer". Sorry.
Answers (private voting - your screen name will NOT appear in the results):
3
4
2
1
Total votes: 10 (10 voters)
Poll is open
01/04/2014
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Contributor: wrecklesswords wrecklesswords
I'll come right out and admit that my tax return this year will be the first time that my total yearly income will be OVER $12,000. I have been stuck in shitty, part-time minimum wage to barely over minimum wage jobs. Six months ago I got lucky enough when I moved to a tiny nowhere town in Nebraska to find a full-time job. It pays barely over minimum wage itself which is why I still haven't made any purchases off the site in a long time.

I really love the job I have now, but I still don't make quite enough to pay all of my debts, save, and get food every two weeks.

I'm not ashamed of how little I make because it is a very sad truth that too many people have to live off of this. I'm just thankful for the fact that I don't have to try to feed a family off that.
01/04/2014
Contributor: Ansley Ansley
Quote:
Originally posted by wrecklesswords
I'll come right out and admit that my tax return this year will be the first time that my total yearly income will be OVER $12,000. I have been stuck in shitty, part-time minimum wage to barely over minimum wage jobs. Six months ago I got lucky ... more
It is indeed the sad reality that a lot of families are living like this. I would rather not disclose my income (for obvious reasons).

I also don't think a simple poll such as this gives a great picture of disposable income -- just because someone makes $100k a year doesn't mean they have "spending money". They could be loaded down with any number of financial responsibilities from ailing parents, special needs children, or just maintaining the lifestyle that's expected of someone with that kind of money -- fancy house, fancy cars...all of that eats away the fun money.
01/06/2014
Contributor: Bignuf Bignuf
Quote:
Originally posted by Ansley
It is indeed the sad reality that a lot of families are living like this. I would rather not disclose my income (for obvious reasons).

I also don't think a simple poll such as this gives a great picture of disposable income -- just ... more
No question about it, you are very correct about that. I always say that the "bills inflate to meet the paycheck". We have been poor, like wishing we had $12,000 a year, and we have been very lucky to both grown into successful professional careers, but there have indeed been times when we were making insane amounts of money and had very little disposable income (school bills, medical bills...etc) and other times where we were a bit tighter on the income side, but had a lot of free spending power, due to no "unexpected" expenses. Having said all that, and while agreeing with you in principle, the fact remains that a $300 adult toy, or a $300 order for a bunch of less expensive adult toys is far more likely to come from someone on the $100,000 end of the earning scale, rather then someone making $10,000 and struggling to pay for their next meal, don't you think?
01/06/2014
Contributor: Ansley Ansley
Quote:
Originally posted by Bignuf
No question about it, you are very correct about that. I always say that the "bills inflate to meet the paycheck". We have been poor, like wishing we had $12,000 a year, and we have been very lucky to both grown into successful professional ... more
Oh I don't disagree that the higher income households are more likely to make bigger purchases in general. Even when our household was bringing down 100K a year, we were still "broke". Really makes you think about things differently, that much I do know.
01/07/2014
Contributor: smalltalkingbit smalltalkingbit
Quote:
Originally posted by Bignuf
No question about it, you are very correct about that. I always say that the "bills inflate to meet the paycheck". We have been poor, like wishing we had $12,000 a year, and we have been very lucky to both grown into successful professional ... more
I agree that the "bills inflate to meet the paycheck" to a point-- I'd also add that it depends on the mindset of the purchaser as well. I'm not well-off by any means (educator), but have just as tough of a time making expensive purchases now as I did in college. My purchasing power has changed; however, I struggle making purchases that are not absolutely necessary. I'm frugal to a fault. I'm trying to get over this mindset since it's at the point where I feel physically sick if I make an unnecessary and/or unresearched purchase. It's getting better, but remains a little embarrassing when it crops up.

In terms of mindset, my oldest sister is on the opposite end of the spectrum-- "champagne tastes on a beer budget," as they say. She makes it work, but when unexpected expenses come up, needs help to get by.
01/07/2014
Contributor: Bignuf Bignuf
Quote:
Originally posted by smalltalkingbit
I agree that the "bills inflate to meet the paycheck" to a point-- I'd also add that it depends on the mindset of the purchaser as well. I'm not well-off by any means (educator), but have just as tough of a time making expensive ... more
You know, you bring up a great point. We really didn't see a lot of that when we were younger, but as we age, people fall into two camps. Spenders and Savers. It becomes more "pronounced" as we age. In my home, I am the penny pincher and hubby is the big time shopper. I have to find something to occupy him (wink, wink) after midnight, lest he watch those dreaded info-mercials. I would have a house full of "instant, better then ever, last a lifetime, get a second one free, just pay separate processing..." STUFF, if I let him watch late night TV and have access to his smart phone!!!
01/07/2014
Contributor: wrecklesswords wrecklesswords
Quote:
Originally posted by Bignuf
You know, you bring up a great point. We really didn't see a lot of that when we were younger, but as we age, people fall into two camps. Spenders and Savers. It becomes more "pronounced" as we age. In my home, I am the penny pincher ... more
I fall right in between this. Sometimes I am an extreme saver and will throw every extra penny I have (literally) into my coin jar to take to the bank and put in savings, then other times, I say "fuck it" and will spend to my heart's content, but never over what I need for bills and gas.
01/07/2014