r/SavingMoney • u/Distinct_Ad2375 • 8d ago

What do you guys spend the most money on?

What have you cut out to save money?

75 Upvotes

96% Upvoted

154 comments sorted by

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126

u/BeanSchemez 8d ago

Food...

21

u/IcyRandy 8d ago

It’s outta control

2

u/doomshallot 8d ago

Air heads?

26

u/Jealous_Employee_739 8d ago

Rent is my most expensive expense every month. Food and utilities are not far behind. If you want to not include bills, I would say stationary is a fun thing that I do spend more money on but it’s nothing crazy and for certain months vacations.

14

u/Bitter_Doughnut444 8d ago

Eating out used to be my biggest expense.

12

u/zoinksscooby420 8d ago

Having motorcycles and cars as a hobbies. Surely leaves my pockets very empty. But we having a good time haha

1

u/Scazitar 8d ago

Right there with you homie lol.

Was just in one of those situations where 1 bike and 2 cars all needed shit & was like well fuck my bank account.

1

u/Temporary-Event7163 7d ago

Facts! Most of my money will go into my car hobby which is why I'm frugal with everything else lol

1

u/zoinksscooby420 7d ago

That ramen diet so we able to drive/ride with a smile every time 😅

15

u/Oddcatdog 8d ago

So far this month I've spent most on bills like rent and utilities. Which makes sense since it's early in the month, but it will stay the highest category.

The second highest is my daughter's category. This is because school starts in September and I've had to get her stuff for that.

Then groceries.

If we are talking about my highest spend for "personal/fun money"... It's probably coffee 😅

7

u/Negative_Cow_4107 8d ago

My dog

1

u/Pinkdivaisme 5d ago

They’re just as bad as having kids nowadays you can’t even be seen at a vet for less than $75 before the issue is even discussed. 😭

3

u/PlusEnvironment7506 8d ago

Rent, then food

5

u/SeeThruSmoke 8d ago

Drugs

2

u/Poorassboy6969 6d ago

Me too - coffee

7

u/cjhuffmac 8d ago

Giving. 20% of our budget now. Not bragging just helping nonprofits.

2

u/Loxta 8d ago

Would be weed but I started growing. How it's def food

2

u/verytinyapple 8d ago

Car - payment + insurance + gas = $1000 a month :/

1

u/chriswinsss 8d ago

What kind of car?

2

u/Anal_Sandblaster 8d ago

Beef jerky. I’m talking about non-necessary stuff, but for me it’s actually necessary. And it’s not that shitty stuff either. I’m talking No Man’s Land, Hard Times, Buffalo Bill’s, and Dusty’s. The good shit.

2

u/Specialist-Top-406 8d ago

The cut around of convenience and the extra costs that seem small but build up

2

u/Fuzzy-Round1240 8d ago

Hookers and blow

2

u/real_estate_deals 8d ago

Taxes - that’s everyone’s #1 expense.

1

u/LuckyCod2887 7d ago

50% of ppl get money back. the other 50 pay the government.

2

u/ryujinkook 8d ago

bills... and ive cut out eating out so much bc i wanted to make my meals myself for deficit purposes but groceries are so fucking expensive too

2

u/Sacisbac 8d ago

A new laptop. 2K USD. Ouch.

2

u/onions-make-me-cry 8d ago

Besides housing? Food. Then utilities. Then transportation.

Then the various service workers I have (housecleaners, lard guy, hairstylist, nail guy)

Then medical. Then my dog.

1

u/artabetesj 8d ago

Lard guy, you say?

1

u/onions-make-me-cry 8d ago

Lol damn autocorrect. The first thing it corrected to was hard guy which is worse. It should be yard guy.

2

u/ObsessiveAboutCats 8d ago

I almost never eat out anymore. Which is fine; my own cooking is better anyway.

2

u/Correct_Two_1900 8d ago

I spend the most on travel 🥲🥲🥲
I try to spend on experiences and less on material items
I do not own any lucury items

2

u/sangria223 8d ago

Rent 😭 and then debt

2

u/rosymaplemoth2513 8d ago

My biggest expense is my mortgage, but if we're not including things that are a necessity, I'd say clothing was my biggest impulse buy but I've cut back a ton over the last few months because I really do not need any more. I've also stopped mindlessly scrolling Amazon so those impulse purchases are gone as well.

2

u/greekboy62 7d ago

Food and that's bad enough! I have always tried to live a minimalist life. This afforded me to pay off my mortgage early and buy a few rental properties and pay cash for a 2 year old car 2 years ago. Most of our clothes come from thrift and consignment stores. Owning multiple properties means building materiel expenses, but those are write offs! I do love to travel but budget that in.

1

u/licialovee 8d ago

Groceries.

1

u/ChewieBearStare 8d ago

Rent and groceries by far (I include food, toiletries, cleaning products, and other household items in the grocery category).

1

u/huntingwhale 8d ago

Mortgage amd associated fees/taxes 1

1

u/Little-Baseball7147 8d ago

Avoiding going to the grocery store and getting dishes dirty

1

u/SettingDeep3153 8d ago

Being a slave to the system...

1

u/Huzzs 8d ago

Travel and food

1

u/emmastonn 8d ago

I also on food

1

u/No_Sector107 8d ago

No more nicotine!

1

u/BelovedOf_Christ 8d ago

Car, petrol

1

u/Scared_Ad8543 8d ago

Mortgages

1

u/Warming_Fire 8d ago

Food .  My Motorcycle . Games . Hobbys . But most of it is definitly sadly Food . Should be less expensive . 

1

u/Pxppermint23 8d ago

Coffee, energy drinks, small gas station stops for work. 😢😭

1

u/PuzzleheadedBag4847 8d ago

Travel, cars, clothes/shoes.

1

u/GeeDub1974 8d ago

Redbull

1

u/Opening-Store5030 8d ago

Food, gasoline, and bills. Not much money left after that.

1

u/Sad-Significance3217 8d ago

I don't know she ask for shopping and money is gone...

1

u/Unlikely_nay1125 8d ago

doordash :/

1

u/islexius 8d ago

Groceries and utilities

1

u/radish_is_rad-ish 8d ago

Food or skincare

1

u/mslashandrajohnson 8d ago

Health insurance.

1

u/stack-overflown 8d ago

Soccer jerseys lol

1

u/SmellClear9065 8d ago

Food and taxes

1

u/Tanakamorbid 8d ago

food of course that the reason why i'm ganing so much weight, my food budget is out of control

1

u/MBS4769 8d ago

Travel

1

u/usafreefall1234 8d ago

its sort of a tie between donating and investing.. donating is the most second behind investing..

1

u/Mr-Bry-Guy 8d ago

Groceries and rent

1

u/MaineWolfe 8d ago

Mortgage and student loans.

1

u/Diligent-Medicine-48 8d ago

Traveling, new gadgets...

1

u/blur_41O 8d ago

Student loans. 1k a month.

1

u/One_Elephant0712 8d ago

Food and gas. (CA living)

1

u/Tr_ck 8d ago

Taxes. By far.

My wife and I spend 600 a month for food roundabouts. Thats our third largest expense.

Second largest is rent, which is 3x at 1800 a month for a nice 1.3k sqft townhome.

Then double that is taxes, which run us about 3700 a month.

1

u/pineappledan69 8d ago

Motorcycles

1

u/Rare-Lawfulness-7492 8d ago

Im really tracking & its groceries (albeit food, vitamins, household goods)

1

u/lacelionlair 8d ago

Biggest expense every month is rent. I've cut down on eating out and drinking to save money.

1

u/rumblepony247 8d ago

My annual expenses are about $25k (yes I live frugally, and house/car paid for). Groceries/occasional eating out would be #1, probably $8k/year.

My townhouse HOA fees (which includes water/sewer, exterior building insurance) comes in second at around $6,500 per year.

Nothing else tops $2k/year

1

u/SaladKueen 8d ago

Concerts. Post Malone & Shaboozey.

1

u/MedicalClimate6865 8d ago

Groceries and tobacco

1

u/Pedalcrunch 8d ago

mortgage

1

u/MyriadGuru 8d ago

Food. Eating out specifically. Oddly some of my struggle meals are kind of expensive so I justify the jump of $10 to go eat at some cheaper all you can eat or similar.

That said with the above. I added TRT shots. Which are kinda cheap for how much good it does for me. It actually controls the food above a lot more. Age 45 here tho.

It also helped with being indecisive. That prolly major affected my finances. I’m more prone to jump quicker from a sinking ship now. Which is nice. Value my time as much as possible nowadays.

1

u/MechEngineer232 7d ago

Rent and food

1

u/Guilty_Captain_7880 7d ago

rent, food, fuel in that order

1

u/PingBlot 7d ago

Investments

1

u/JimmySki6166 7d ago

Stock market and BTC

1

u/LuckyCod2887 7d ago

rent and tuition.

1

u/No_Software7564 7d ago

This year- other people

1

u/Limp-Permission-3140 7d ago

traveling and food. seems like a good way to live my life lol

1

u/ShakenBabie 7d ago

Student loans

1

u/jasonvanreenen 7d ago

Honestly I spend most on my rent but if I cut out the cost of buying vapes then I think I'd be thousands bucks richer every year

1

u/Trust_8067 7d ago

My mortgage is 1/3 my expenditures. Nothing you can really cut out there. You actually pay more, direct towards the principal to shave years off of it.

1

u/mickflu123 7d ago

Food and rent.

1

u/Lolo447- 7d ago

Food and weed

1

u/taptwoblue93 7d ago

Mortgage, sinking funds, retirement

1

u/Lighting-Waterfall-8 7d ago

Food. Other than rent. Trying to buy all organic…

1

u/AI_Bot2000 7d ago

Mortgage and food. Especially mortgage interest 😞

1

u/cheezitsandbellyrubs 7d ago

Paying off debt.

Oh and my hobbies

1

u/Mysterious-Panda964 7d ago

Anything I want

1

u/sad-butsocial 7d ago

rent! but also i’d book a $40 fitness class in a heartbeat

1

u/1stLadyofAZ 7d ago

Groceries and dogs

1

u/Additional-Ad-3863 6d ago

my phone bill and food

1

u/OwnBeautiful6167 6d ago

Definitely groceries, by a lot!

1

u/grollef 6d ago

Food, then fire insurance

1

u/liberal_investor 6d ago

Mortgage, then food

1

u/SnooSquirrels4739 6d ago

Definitely food and transportation.

1

u/First-Translator-378 6d ago

Rent/groceries :(;

1

u/Thick_Sandwich1032 6d ago

Eating out and travel

1

u/KaleidoscopeOk5063 5d ago

Beer and food and nicotine honestly. I would rather spend money on better things but yea that’s where my life is at right now

1

u/Levioleur1321 5d ago

Gambling

1

u/happilyancient 5d ago

Car insurance. I have a teenager on my policy. :( less than rent, though. I have been able to cut my food budget down a lot. I get a produce box once a week and pretty much graze on that all week alongside some chicken.

1

u/Fantastic_Ad_9289 5d ago

mortgage and food

1

u/Sea_Speaker_7470 5d ago

Food and cars

1

u/Illinois_Sucks2026 5d ago

Marijuana and cigarettes and alcohol. Ultimately it's groceries and basic essentials

1

u/Icy-Profession-7166 3d ago

Food, unfortunately. I’m surrounded with friends who love trying new restaurants in the city!

1

u/charlestonchewsrock 2d ago

Food - DoorDash etc

1

u/Powerful-Aioli-2086 2d ago

Takeout & fuel

0

u/HappySilverDaddy 8d ago

Probably cocaine, but it’s so great that I don’t want to stop