View Single Post
Old 07-10-2012, 07:21 PM   #63
RS2
Member
 
Join Date: Jun 2012
Drives: 2005 Jetta tdi
Location: Ottawa, Ontario
Posts: 20
Thanks: 4
Thanked 0 Times in 0 Posts
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quote:
Originally Posted by engee View Post
Let's do some math shall we.

$15 x 40 hours = $600 a week

Government takes about 25% for income tax (depends on bracket though):

After tax, we get:

$600 x 75% = $450

To keep things simple, let's say there are 4 weeks in a month.

$450 x 4 = $1,800 a month is your monthly income.

Now, I hope you are a fiscally smart individual and will save at least 10% of your paycheck.

$1,800 x 90% = $1,620.

MSRP of FR-S: $24,930

I know some states have no tax, but in NJ there is 7% tax. So let's take the median of 3.5%.

$24,930 x 103.5% = $25,803

Per finance.yahoo.com, average auto loan interest rate is 3.65%.

Let's suppose you finance the full amount, monthly payments with that interest rate for 60 months will make your monthly payments $472.

$1,620 - $472 = $1,148

Depending on your insurance, you could possibly pay anywhere from $50 - $200 a month.

Let's take the higher rate.

$1,148 - $200 = $948

Now let's add in another allowance for gas. Current U.S. average is $3.613 for premium conventional per www.eia.gov.

Let's use the 3,500 every 3 month per oil change recommendations. That makes 1,167 miles a month at $3.613 and assume you get 30 mpg.

That means you pay $123 a month on gas.

So now we are down to roughly $825 a month.

If you have any other expenses (phone, rent, utilities, etc.), then you will go down even further. Also add in things like going out and other activities/hobbies that you might have. Can you make ends meet? Probably. Is it the smartest decision? I personally don't think so.

At the end of the day, it's your money do what you want.




:

I had a pizza job 5years ago I was making 10$/h cash plus tips and I would only work about 5-6 hours a days and I was making around 150-200 per day... But I was using 1996 cavalier... Would I use a brz/fr-s
For te job never in a million years... Jobs like these you abuse your car in the worst ways I find. I personally feel that if you have to use your own car and gas to make money... Is just not right business if you 16-18 fine take the job but 16-18 wouldn't be driving a brz/fr-s. if je is then his selling some stuff on the side... Lol anyways that was my 2cents
RS2 is offline   Reply With Quote