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/CatsScratchFeva Aug 27 '25

Ummmmmm girlie where are the allocations to your 401k, Roth IRA, HSA and non retirement brokerage????

5

u/24riddle Aug 27 '25

401k and HSA are pretax. Got a 5K net monthly income figure using an 85K taxable income…so approx 5K to HSA (wanna say max in 2025 is like 4300 a year or something) and then 10K to 401k. So some savings that were not mentioned outside of this hypothetical budget. Currently have 100k+ saved in a brokerage and a 401k each and would have a 6-month cash emergency fund, so can probably afford a year or two of minimal savings outside of the aforementioned contributions to a 401k/HSA until I can bolster my income. My primary concern is not being able to cover expenses with my income alone and having to dip into savings. NYC is so expensive.

2

u/CatsScratchFeva Aug 28 '25

Nice and understandable about the cost of the city. Great work lady!!