Whats your hourly rate?

nrsql

I have a spreadsheet which has my monthly total for fixed outgoings (mortgages, insurance, council tax, Accountants, etc) and for unearned income (various deposit accounts, rental income, etc). All after estimated tax.
From that I calculate a daily net value (including weekends) that I have to cover (or spend ).

I have another that gives my monthly and calculated daily earned income (I don't have a fixed income).
I don't worry about travel and food because I am looking towards stopping work (which could happen at any time - I've tried) and the travel and food costs will decrease when I stop working - hence the first spreadsheet is the important one as it shows what I will have to live on - investment income is considered a nice extra not included but value is tracked seperately.

The first spreadsheet has probably saved me a few thousand a year by highlighting poor value - mainly insurance premiums.

in-trouble_3

nrsql wrote:

I have a spreadsheet which has my monthly total for fixed outgoings (mortgages, insurance, council tax, Accountants, etc) and for unearned income (various deposit accounts, rental income, etc). All after estimated tax.
From that I calculate a daily net value (including weekends) that I have to cover (or spend ).

I have another that gives my monthly and calculated daily earned income (I don't have a fixed income).
I don't worry about travel and food because I am looking towards stopping work (which could happen at any time - I've tried) and the travel and food costs will decrease when I stop working - hence the first spreadsheet is the important one as it shows what I will have to live on - investment income is considered a nice extra not included but value is tracked seperately.

The first spreadsheet has probably saved me a few thousand a year by highlighting poor value - mainly insurance premiums.

where did you get the spreadsheet from? its something that i could use.

Serialdieter

I daren't work mine out either - probably in neg eq...

Jx

cupid_s

I can't do this I see a coat for £145 and think 'Yes it's a bit pricey but I only have to work 12 hours to buy that!'

Shoes, £50. I don't need them but it's only 4 hours work. Then before you know all my hours work have gone and I'm only left with my basic money!

thriftychick

My hourly rate is £6 and when I am looking to buy anything, I always work out how many hours I had to work to buy it-puts me off buying a load of stuff I don't really need!

Revenge_of_the_Red_Devil

£20-30 an hour depending...

Makes me buy a lot of rubbish I don't need :rolleyes:

savvykaz

When I click on the link thepru.com, all I get is links to peru!
Is this:spam:

yung

glad I am retired although my pension is not that much but my investments is working for me:T :beer:

postingalwaysposting

well i get £5.79 an hour (just had a pay rise) but i have never thought of woking out how many hours i would have to work to buy something... mmm will do in future though :rotfl:

sophiesmum_2

My annual wage is around 12,000 so not very much BUT I also get as part of my salary a two bedroom flat,and free gas/electric and water rates.:D i live on site at work so have no travelling costs, i also have no travel time.:D, i can pop upstairs to make lunch dfw style,and when I finish at 5.00pm am in my flat by 2 minutes past.

Taking everything into consideration this probably makes my salary worth a lot more in "real" terms. I considered a much higher paid job recently but decided against it as I would actually be worse off after rent,utilities, travel costs,lunches etc so I am happy to stay where I am at present.

All the above means i can spend money on things which are important to me such as organic free range meat, but still save money on the less important things.
sophiesmum