मलाई साह्रै दिक्क लगिसक्यो , पैसा नै शेभ हुँदैन धेरै , कसरी के गर्ने होला । साथीहरु ले कती शेभ गर्छन् भन्ने सुन्न मन् लाग्यो ।
मेरो निम्नानुसार छ ।

Monthly Income (After Tax)------> ($1100*2)= $ 2200
=============================================
Expenses::

Rent-----------------------------------> - $550
Car Payment------------------------> - $300
Insurance----------------------------> - $75
Food/Grocery------------------------> - $200
Gas-------------------------------------> - $100
Miscellaneous-----------------------> - $100

Total Expenses (Montly)------------> $ 1,325

Total Savings (Monthly)========> $ 875 or NRs. 63,000 per month.
ie. (12*Rs. 63,000) = 7,56000 (रु. सात लाख छपन्न हजार मात्र) YEARLY

१० बर्ष पछी रु ७०,५६००० हुन्छ तेस्ले एउटा घर पनि आउँदैन नेपालमा ।
लौन साथीहो सुझाब दिनु पर्‍यो । कसरी कमौने हो पैसा

 First of all, your car payment is high for the income you are earning. So unless you get that paid off, it will be a significant dent on your savings.

Second of all, if you are single, maybe you should get an apartment with a roommate bumping your rent down leading to an additional $200 (x70 = NRS 14,000/month, i.e. NRS. 1,68,000 a year). Insurance is pretty cheap, and other expenses seem pretty standard (even conservative).

Your main problem (based on your apparent target for savings--essentially trying to buy a house in Nepal) is the income you are bringing in. Without maybe a second part-time job which entirely goes into savings, or a change of job that increases your overall income, you won't be able to save as much as your target goal is.

 bro kaha sadai bhari timro salary eutai huncha ta ...pachi bade halcha ne....so saving going forward aafai badcha

 Bro keti haru lai ni sodha na.

where is ur expense for tuition and fees? i am guessing you are a student.

Monthly Income (After Tax and Ins.)------> ($3400*2)= $ 6800
=============================================
Expenses::

Mortgage----------------------------> - $2750 + 100(HOA) = $2850
Car Payment------------------------> - $950 (Two cars)
Car Insurance----------------------->  $150
Food/Grocery------------------------> - $700
Elec, Gas, Cell ---------------------> - $350
TV, Internet, Home Phone-------> - $120
Gas(Auto)----------------------------> - $100
Miscellaneous-----------------------> - $250

Total = $5470
Saving = 6800-5470 = $~= $1330

Monthly Income (After Tax)------>$ 2182 ( just started working)
=============================================
Expenses::

Rent-----------------------------------> - $360
MTA- Subway------------------------> - $104
Utilities----------------------------> - $50
Food/Grocery------------------------> - $70
Miscellaneous-----------------------> - $200
Credit Card Bills--------------------->- 300
Cell Phone- $55
Total Expenses (Montly)------------> $ 1139 ( rough figure)

So, Total Savings- $2182-$1139= $1043....

Saving kun chara ko naam ho?

Monthly Income (After tax) - 4300

Expenses
Rent+Utilities - 600
Food+Grocery - 300
Churot - 120
Phone - 100
Bar/Drink - 200
Gas - 200

Saving - Aprrox 2500

Aafu ta jati kamaincha ki ta nepal pathaincha haina bane bill sill j j cha tyo tirincha....yeti uti bhanne chai hudaina...never did on that way...but mero kharcha tei 500 muni huncha monthly that includes everything hai

oh ho tannai paisa kamauda raichhan ta sathi haru le
haina k kaam garchhan ra ekai mahina ma tetro paisa kamauchhan?
chhakka pare baa ma ta ???

Tei ta 4 5 hajar bhanchan....afu le ta 2 maina ma ni kamainna ho....

5 to 10 years after graduation, you too will be making similar amount.  Don't worry.

Income:

Take home pay: $6500

Expenses:

Mortgage + home insurance + property tax: $2450
Utilities (gas, electricity, water): $350
Cable TV + Internet: $95
Cell phone: $75
Groceries: $500
Gas (2 vehicles, already fully paid): $130
Insurance for both vehicles: $100
Dining and Entertainment, includes Netflix: $500
Clothing and misc. shopping: $200
Additional misc. expenses: $600
Send to Nepal: $500
Allocation for vacation: $700
Charitable givings: $300

Total expenses: $6500 (give or take few hundred, but averages to this).

Savings: $0 (well, not counting the 401K that I max out every year).

Come to think of, I could probably save more with half the salary working in Kathmandu, eh?




 

        



      Ok, Below is  my last Bank Statement. This  changes month to month as I don't have no fixed income. 


      Beginning Balance                  $360.23
      Deposits and Additions           $4,700
      Electronics Withdrawl             -$1,896.42
      ATM/Debit Card Withdrawl    -$450.96



       Ending Balance                               $2722.85

income /month = 400 (college part-time)
= 650 (GS)
-----------------------------------
Total income = $ 1050

EXPENSES
---------
Rent = $200
Grocery = $200
Phone = $90
Insurance = $ 60
Internet/TV =$ 50
Gas =$ 200
others = $100
-------------------
total expense = $1000

Saving $50
Saving $50 a month how am i gonna pay $8,000 per semester for my college.??

Monthly Income (After Tax and Ins.)------> ($7100*2)= $ 14200 (Both)
=============================================
Expenses::

Mortgage----------------------------> $2650
Car Payment------------------------> $1050
Car Insurance----------------------->  $400
Food/Grocery------------------------>  $1000
Elec, Gas, Cell --------------------->  $400
TV, Internet, Home Phone------->  $120
Gas(Auto)---------------------------->  $250
Vacation and Miscellanous ----> 1300

Saving = $5170 ( but have to pay taxes at the end of Year)

 Rent & Utilities- $300
 Phone- $70
 Insurance- $40
 Food- $ 200
 Misc- $200
 Credit Card - $70 + $50+ $50
 
Total Expenses: $980
Total Earnings : $1000

Total Savings/month: $20

 Thats the story of my life. Garib pariyo aafu ta aru ko fugures herda ta maan nai siringa bhayo. Khushi lagyo nepali daju,bhai haru ko pragati dekhera! safalta ko sidhi chaddai janus!!

tanna randibaji ra raksibaji ani sampurna kharcha katayera jamma $1000 bachne raicha.

401K ko ni manne vaye chai 1600 jati pugchha.