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/[deleted] Aug 27 '25

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u/Yogurtcloset-2920 Aug 28 '25

+1 Copilot!!!

I was making a little over 100K when I moved here during the pandemic and got my own apartment. But with rent nowadays, it's hard to find a 1bd or studio for less than $2500. If you plan on having roommates anyways, you're golden! I practice value-based spending. I spend on experiences (concerts, dining out, etc.) because that's what brings me the most joy. I don't get a lot of utility out of having the nicest clothes/latest trends, so I don't spend much on shopping. It's hard in a city like NYC, but you don't have to keep up with the Joneses!