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As a visiting nurse, Fawn treats her family finances with the same level of meticulous care and attention that she gives to her patients. Rare credit card debt — although my credit cards are usually paid off in full every month.
While I make about $45,000 per year, after subtracting $9000 to cover my daughter’s college tuition, my household income is $36,000. My total food costs over the past few years, including school lunches, alcohol (for the adult only, of course!) and meals out, have averaged $458 per month.
Although I fund just one vehicle, my teenagers purchased a car from their father for $1, but they’re responsible for paying all of the gasoline, maintenance and insurance expenses. I waste, er, spend $70 per month on food, litter and vet fees for my cats, which I have for the benefit of the kids.
I typically spend about $2100 on vacations, usually to visit my kids that live out of town. I have pretty good health insurance through my employer as long as I use the local hospital. I am really thinking hard about cutting off my cable too, but everytime I get close to pulling the plug I chicken out!
Inspiring story, but somehow the numbers don’t add up for me, so I may be missing a piece of the puzzle. Yes, the numbers are not pure as the expenses were averaged over 4 years and things have changed form year to year.
I love reading this type of articles here and I can understand that living on less than $40,000 in the US is huge.
Currently the wife and I earn(combined) more or less that, but we are going to try to live with only my salary(a little less than 14k usd) so wish us luck.
Good for you to recognize the importance of saving for your retirement beyond the amount that your employer matches. Lets assume her health insurance is $4000 per year, but I’ll bet its alot cheaper since her employer is a hospital.
But … as Shabo notes, Fawn is clearly making ends meet on less than $40,000 per year. Oops, forgot, my federal taxes swing wildly from one year to the next as one of the children is my dependant for odd years and their father’s for even years.
I would just like to point out that healthcare employees (RNs included) do not get the best, least expensive health care insurance, especially when it comes to add on dependents. Just curious – are you interested in stories from readers that LIVE on 40k a year or less, or those that make *AND* live on under 40k a year? As for private healthcare, prior to Obamacare, there was something called catastrophic insurance. After I graduated from nursing school, I established an annual $1000 scholarship that was funded for ten years. It’s paid for and I use it for work, so I get reimbursed for about 50% of the miles that I drive. The fees pay for my kids’ music lessons and other expenses including track and cross country, Scholastic bowl, band, Latin club, and the speech team.
I do most of my clothes shopping at Target or TJ Maxx, but I get a few items, like suit coats and prom dresses, at Goodwill. I have term life insurance through my employer for about $13 per month that would pay out 1.5 times my salary. At one point it held $10,000, but I’ve dipped into it to pay the tuition for my beloved daughter. In some cases, the numbers Fawn shared with me were multi-year averages, so there can be room for fluctuation. The $45,000 is net, my health insurance, life insurance, 401K are taken out before that amount.
I would personally love to earn at least $40,000 per year here in Romania, where I currently live well on around $15,000 – and many Romanians do live on a lot less.
Not sure what she pays in taxes, and she’d have to probably sacrifice some of her kids fun expenses to boost her retirement, but other than that, I think she shows that everything she earns over about $40000 gross or maybe $45000 is gravy.


I normally tell people my income is $40k since that includes insurance (at one job) and housing (from a different job) but it doesn’t include passive income from dividends, interest, real estate income, etc.
First, for me, or anyone living in a large metropolitan area would be hard pressed to find housing this cheap (los Angeles, New York), without living in a bad neighborhood. For example: Where we choose to live, what kind of car we drive (assuming we drive one at all), the number of kids we have (and more importantly, when we decide to have them), entertainment preferences, and our willingness to live below our means. For as little as $40 bucks per month, people could be covered for the cost of major medical expenses. My other home expenses include $2400 per year for property taxes and $1100 annually for insurance. My annual out-of-pocket vehicle costs come to about $4250, which includes a gasoline bill that averages about $168 per month, and maintenance costs of about $85 per month — the remaining balance pays for auto insurance. I like the security of knowing that I have a reliable vehicle that I can drive for at least 300,000 miles.
I don’t buy them fancy clothes or cell phones, but I allocate a significant portion of my budget for music lessons, music instruments, and extracurricular fees. As for her health insurance, she works for a hospital, so I assumed those expenses are minimal, if not included as part of her compensation — but maybe Fawn can clarify that for us. I get $6,000 per year for the three kids in child support, which goes into an account to help pay for college. My utilities average $313 per month, but that includes $100 per month for the cell phone bills and I’m reducing this as our contracts expire. I also watch my kids’ school marching band performances in the fall, and their jazz concerts in the spring. For the next four years, I will have two kids in college at $9,000-$10,000 each kid, each year. I put 10 percent of my income into 401K, which varies paycheck to paycheck as I a an hourly employee. This is not considered income by me or the federal government, but it reduces those expenses noted above there by one half. Currently, there’s a clarinet, an alto sax, a baritone sax, a drum set, bells, an electric bass, an electric guitar, and a keyboard in my home. THESE VERY SAME ENFORCEMENT AGENCIES, WHO HAVE SWORN TO PROTECT AND SERVE, OUR COUNTRY, AND CITIZENS ,ARE BUT SOME, OF THE CORRUPT,GREEDY TRAITORS .ENGAGED IN THE TYRANNY AND TORTURE.
The school district has moved to a biometric identification program, saying students will no longer have to use an ID card to buy lunch.A  BIOMETRICS TO TRACK YOUR KIDS!!!!!i»?i»?A TARGETED INDIVIDUALS, THE GREEDY CRIMINALS ARE NOW CONDONING THEIR TECH!
Paul Weindling, history of medicine professor at Oxford Brookes University, describes his search for the lost victims of Nazi experiments.
The chairman of the board at ESL a€” then proprietor of the desert wasteland in Nevada known as a€?Area 51a€? a€” was William Perry, who would be appointed secretary of defense several years later.
EUCACH.ORG PanelIn a 2-hour wide-ranging Panel with Alfred Lambremont Webre on the Transhumanist Agenda, Magnus Olsson, Dr.
Henning Witte, and Melanie Vritschan, three experts from the European Coalition Against Covert Harassment, revealed recent technological advances in human robotization and nano implant technologies, and an acceleration of what Melanie Vritschan characterized as a a€?global enslavement programa€?.Shift from electromagnetic to scalar wavesThese technologies have now shifted from electromagnetic wave to scalar waves and use super quantum computers in the quantum cloud to control a€?pipesa€? a reference to the brains of humans that have been taken over via DNA, via implants that can be breathed can breach the blood-brain barrier and then controlled via scalar waved on a super-grid. Eventually, such 'subvocal speech' systems could be used in spacesuits, in noisy places like airport towers to capture air-traffic controller commands, or even in traditional voice-recognition programs to increase accuracy, according to NASA scientists."What is analyzed is silent, or sub auditory, speech, such as when a person silently reads or talks to himself," said Chuck Jorgensen, a scientist whose team is developing silent, subvocal speech recognition at NASA Ames Research Center in California's Silicon Valley.
We numbered the columns and rows, and we could identify each letter with a pair of single-digit numbers," Jorgensen said.
People in noisy conditions could use the system when privacy is needed, such as during telephone conversations on buses or trains, according to scientists."An expanded muscle-control system could help injured astronauts control machines.
If an astronaut is suffering from muscle weakness due to a long stint in microgravity, the astronaut could send signals to software that would assist with landings on Mars or the Earth, for example," Jorgensen explained.
These are processed to remove noise, and then we process them to see useful parts of the signals to show one word from another," Jorgensen said.After the signals are amplified, computer software 'reads' the signals to recognize each word and sound. Our Research and Development Division has been in contact with the Federal Bureau of Prisons, the California Department of Corrections, the Texas Department of Public Safety, and the Massachusetts Department of Correction to run limited trials of the 2020 neural chip implant. We have established representatives of our interests in both management and institutional level positions within these departments.
Federal regulations do not yet permit testing of implants on prisoners, but we have entered nto contractual agreements with privatized health care professionals and specified correctional personnel to do limited testing of our products.


We need, however, to expand our testing to research how effective the 2020 neural chip implant performs in those identified as the most aggressive in our society.
In California, several prisoners were identified as members of the security threat group, EME, or Mexican Mafia. They were brought to the health services unit at Pelican Bay and tranquilized with advanced sedatives developed by our Cambridge,Massachussetts laboratories. The results of implants on 8 prisoners yielded the following results: a€?Implants served as surveillance monitoring device for threat group activity. However, during that period substantial data was gathered by our research and development team which suggests that the implants exceed expected results. One of the major concerns of Security and the R & D team was that the test subject would discover the chemial imbalance during the initial adjustment period and the test would have to be scurbbed. However, due to advanced technological developments in the sedatives administered, the 48 hour adjustment period can be attributed t prescription medication given to the test subjects after the implant procedure.
One of the concerns raised by R & D was the cause of the bleeding and how to eliminate that problem. Unexplained bleeding might cause the subject to inquire further about his "routine" visit to the infirmary or health care facility. Security officials now know several strategies employed by the EME that facilitate the transmission of illegal drugs and weapons into their correctional facilities. One intelligence officier remarked that while they cannot use the informaiton that have in a court of law that they now know who to watch and what outside "connections" they have. The prison at Soledad is now considering transferring three subjects to Vacaville wher we have ongoing implant reserach. Our technicians have promised that they can do three 2020 neural chip implants in less than an hour. Soledad officials hope to collect information from the trio to bring a 14 month investigation into drug trafficking by correctional officers to a close. Essentially, the implants make the unsuspecting prisoner a walking-talking recorder of every event he comes into contact with. There are only five intelligence officers and the Commisoner of Corrections who actually know the full scope of the implant testing. In Massachusetts, the Department of Corrections has already entered into high level discussion about releasing certain offenders to the community with the 2020 neural chip implants. Our people are not altogether against the idea, however, attorneys for Intelli-Connection have advised against implant technology outside strick control settings. While we have a strong lobby in the Congress and various state legislatures favoring our product, we must proceed with the utmost caution on uncontrolled use of the 2020 neural chip. If the chip were discovered in use not authorized by law and the procedure traced to us we could not endure for long the resulting publicity and liability payments. Massachusetts officials have developed an intelligence branch from their Fugitive Task Force Squad that would do limited test runs under tight controls with the pre-release subjects. Correctons officials have dubbed these poetnetial test subjects "the insurance group." (the name derives from the concept that the 2020 implant insures compliance with the law and allows officials to detect misconduct or violations without question) A retired police detective from Charlestown, Massachusetts, now with the intelligence unit has asked us to consider using the 2020 neural chip on hard core felons suspected of bank and armored car robbery. He stated, "Charlestown would never be the same, we'd finally know what was happening before they knew what was happening." We will continue to explore community uses of the 2020 chip, but our company rep will be attached to all law enforcement operations with an extraction crrew that can be on-site in 2 hours from anywhere at anytime. We have an Intelli-Connection discussion group who is meeting with the Director of Security at Florence, Colorado's federal super maximum security unit. The initial discussions with the Director have been promising and we hope to have an R & D unit at this important facilitly within the next six months.
Napolitano insisted that the department was not planning on engaging in any form of ideological profiling. I will tell him face-to-face that we honor veterans at DHS and employ thousands across the department, up to and including the Deputy Secretary," Ms.
Steve Buyer of Indiana, the ranking Republican on the House Committee on Veterans' Affairs, called it "inconceivable" that the Obama administration would categorize veterans as a potential threat.



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