3 In addition, your annual percentage rate (APR) could rise and the credit card company will likely report the missed payment to the credit bureaus, which could damage your credit rating. True, if you fail to pay your card’s minimum payment for a given month you will have defaulted on your agreement with the lender and will be charged a late fee-$36 on average, according to U.S. And if you live in an area with a lot of seasonal changes, you’ll need to be prepared with the right clothing.Another myth is that if you pay the minimum payment due each month you’re good to go and won’t incur extra charges. If you work in a business setting, you’ll need to make sure you have work-appropriate attire. You need undergarments, shoes for walking around in and clothes for daily wear. But everyone needs clean and appropriate clothing to wear. These expenses include things like insurance premiums, office copays for general practitioners and specialists, pharmacy copays and over-the-counter medications.Īt first glance, clothing may seem like more of a want than a need.
household spent $12,530 per person on health care costs in 2020. By skimping on this budget item, you could seriously compromise your health.Īccording to the Centers for Medicare and Medicaid Services, the average U.S. Healthcare costs add up quickly, and there’s no way to get around paying them. Even if you don’t own a car, you’ll still have to pay for public transportation or Uber rides. You’ll have to pay for gas, auto insurance and regular maintenance. If you own a car, your transportation costs will be the highest. Everyone has transportation costs, whether you drive a car, ride the bus, or ride your bike to work. If you have a job and regularly need to leave your home, then you’ll need a way to get there. But this also includes things like vitamins and supplements, cleaning supplies and personal care items like shampoo and conditioner. Your food costs include your weekly trips to the grocery store. Maintenance costs include things like mowing the lawn, paying for general repairs, fixing your roof after a hailstorm, and more. Plus, if you own a home, you’ll have to spend money on maintenance costs. It also includes things like utilities, waste removal services, homeowners insurance, and property taxes. But your cost of living expenses go beyond just your monthly rent or mortgage payments. Bureau of Labor Statistics, the average household spent $21,409 on housing in 2020. In general, necessary living expenses fall under the following five categories:Īccording to the most recent consumer expenditure report from the U.S. If your monthly budget was cut in half tomorrow, your necessary living expenses are the items you cannot cut out.ĭetermining your necessary living expenses may sound straightforward, but you probably have a lot more on that list than you realize. Necessary living expenses are mandatory for you to remain in good health and for your home to function.
#BASIC BILLS TO PAY FREE#
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