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DarkObserver t1_j9gdz1w wrote

Reply to comment by PGids in Dunkin budget vs. Electric bill by TarantinoFan23

We’re at like $20 a day for Starbucks. :(

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maineman1990 t1_j9gfnsm wrote

Dang, that’s over 7k a year. What’s your house hold annual income range? Are you a home owner? That is more than our mortgage, property taxes, and home owners insurance last year… we bought a 4 bed 2 bath in Oakland on 5+ acres to convert into a homestead almost 2 years ago(with a sizable down payment) with your Dunkin’ budget.

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Holiday_Agency_1936 t1_j9ie4oh wrote

Wait what? Less than $7k for your mortgage, property taxes and insurance in a YEAR? I spend $1100/mo in rent in Waterville. And I’m not living in luxury. I hate this timeline.

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maineman1990 t1_j9jp3e3 wrote

We actually paid a little extra each month last year to eat away at the principal balance, so we paid 600 a month which is 7200, 20 Starbucks bucks a day is 7300 a year. Our actual monthly payment was 552, it was adjusted and is now 648 and we are doing 700 a month which is 8400 a year. Here is where it gets wild. We have a 30 year fixed mortgage, by paying just the little extra each month we are going to pay off the house in under 24 years. We have a plan to roll what we pay toward other debts into the mortgage payment once the debts are eliminated. We plan to have the house paid off(including new solar array, heat pumps, orchard, greenhouse, wood stoves, sugar house, charging station, outbuildings, etc.) by the time I am 50. It is indeed one of the darkest timelines for many folks but there are bright spots!

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DarkObserver t1_j9gswsj wrote

Haha wow. Enough to cover my Starbucks lol. Yeah we own a house in Saco. It’s mostly because we travel all the time and I’ve been addicted to their iced tea lemonade. So that plus oatmeal ends up being like $20 every morning.

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maineman1990 t1_j9gtaix wrote

What a brain fart, I swear I reread and saw Dunkin’ like twice 😂

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DarkObserver t1_j9gu0sb wrote

Lol. I’d go to Dunkin if their iced tea wasn’t shit. Their avocado toast is fine but I’ve heard it leads to financial ruin for us millennials. (1990 here as well!)

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maineman1990 t1_j9gvf8j wrote

Hahaha hope 33 treats you right! I haven’t been to either a Dunkin or a Starbucks in some time but I make a pretty solid organic lady grey maple syrup Arnold Palmer that is a delightful way to start the day. Probably costs like 18 bucks a glass if I calculated cost of labor as anything remotely reasonable but since I am doing the labor…who cares I swear I am saving money sugaring and growing lemons in my windows!!

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DarkObserver t1_j9gwird wrote

Same to you! That does sound really good. I’ll have to try to grow lemons sometime

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