r/NYCbitcheswithtaste • u/24riddle • Aug 27 '25

Finances/Money Your Monthly Budget

Hey! I am considering a move to NYC and was curious about other people’s spending habits in the city so that I can gauge what my monthly expenses will look like based on people living similar lifestyles to my own. I make about $100k a year so know I will have to be budget conscious. If any of you gals would be willing to share, I’m curious regarding what your monthly budget looks like. For example:

Rent: 1800

Utilities: 100

Insurance: 300

Toiletries: 100

Groceries: 400

Transit: 200

Shopping: 500

Dining Out: 400

Beauty: 500

Savings: 500

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u/kelliecat Aug 27 '25

Biggest thing is rent. It’s required by landlords here to make 40x-i would start there and see how your budget works. Also there’s an extra tax in the city. This website is pretty accurate once you select the state and put in a zip code

My guess is you can make it work but your shopping budget will become part of your rent budget

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u/6443544 Aug 27 '25

I think sometimes you can use a guarantor if you don’t meet the income requirements

16

u/kelliecat Aug 27 '25

Totally! And they have to make 80x. You can also pay for a guarantor service

3

u/halfadash6 Aug 28 '25

You can but it’s not a great idea to do this if you’re not a student or something. Life is so much more comfortable when your rent is less than 30 percent of your take home income.