Omg I'm so broke!!!

  1. So after reviewing my year to date paycheck, I'm bringing home $1300 every 2 weeks including my evening and night shift differential. So really my take home yearly is like 35K!!!! Is it just me?! How is everyone else surviving?! We just bought our first home for 104K and I'm like how do people handle this?! How do you save for repairs and a roof and windows? I thought after years of nursing I wouldn't be this broke and depressed!!!!
  2. Visit christina.adams2889 profile page

    About christina.adams2889

    Joined: Feb '13; Posts: 7; Likes: 2

    16 Comments

  3. by   CrunchRN
    Wow. Where do you live?
  4. by   CrunchRN
    35k in New York? Nuts.
  5. by   Jengem55
    why you make so low of money??
  6. by   DoGoodThenGo
    Thirty-Five is her *net* (take home) earnings, not gross (before taxes).

    Welcome to the joys of living in a high tax city and state (New York). On average figure about 30% to 33% of your pay is going to be lost in taxes. This comes before anything like 401K, healthcare and other deductibles.

    Still it sounds like your pay is kind of low; on $81k per year gross you'd still would clear somewhere in the middle 50K range per year after taxes/deductions.

    You now understand why so many nurses work OT and or pickup extra hours where they can. Have several friends who besides their straight 12's do one or more eight hour shift (maybe one twelve) somewhere else as part-time to bring in more money.
  7. by   SuburbsGirl
    You bought a home in New York for 104k?
  8. by   MurseJJ
    That sounds hard. You could basically double your salary as a new grad, let alone as an experienced RN, at various hospitals in the city (Mt Sinai, NYU, NYP, etc), even LI (St. Francis, Northwell).
  9. by   christina.adams2889
    Syracuse ny!!!
  10. by   christina.adams2889
    There is no OT offered. I make $33 an hour for nights. So yes the 35K ais after taxes. I'm wondering if there's something wrong with my pay somewhere. I have only critical care experience!! I just feel like something is off somewhere!!
  11. by   christina.adams2889
    Not NYC lol a tiny little village in central NY.
  12. by   christina.adams2889
    That's after taxes. So my yearly is like 55K with years of critical care experience. It's insane!! On days I make 27.91. Add $3 for eves and $5 for nights, and if you work the weekend night you only get the night diff, there's no weekend diff. There's no OT so I worn 3 12's. I just feel like I shouldn't be struggling this much and wonder if something's off or wrong or miscalculated somewhere!!
  13. by   ga_super
    Upstate's pay is lower because the cost of living is lower, as you said you bought a house for $100k. You options are limited, either move or find a second job.
  14. by   Destin293
    Quote from christina.adams2889
    So after reviewing my year to date paycheck, I'm bringing home $1300 every 2 weeks including my evening and night shift differential. So really my take home yearly is like 35K!!!! Is it just me?! How is everyone else surviving?! We just bought our first home for 104K and I'm like how do people handle this?! How do you save for repairs and a roof and windows? I thought after years of nursing I wouldn't be this broke and depressed!!!!
    Where do you work? At $33 an hour with only $1300 every 2 weeks take home means you have quite a bit taken out either for health insurance or retirement. I make about $34/hr with night differential and my take home is about $1750 (no 401k or health benefits yet, that starts January 1st). Where I used to work, I was paid $24/hr and my take home there was $1300 every 2 weeks on days (no differential, no 401k, and $65 per pay period for health insurance). So, what you're making per hour is actually not too shabby for upstate NY (I work in Utica, used to work in Cooperstown). You also have to consider what other jobs in the area are paying and those are nowhere near $33/hr which is why nurses actually live pretty well compared to many other people in upstate.

    Now, what really sucks, is that nurses upstate also seem to "top out" at a certain level...and that's unfair. A lot of new grads are coming in making only a few dollars less than RN's with 10+ years experience who have already hit the limit of what hospitals will pay. And there's also a lot of hospitals that pay their med/surg nurses the same as their ICU or ER nurses.

    What seems to be the norm for a lot of upstate nurses is taking travel contracts. If you're willing to make that sacrifice, you can double your pay...it just means either commuting 50+ miles to get to work or staying somewhere for 3 days and going home the rest of the time. Upstate hospitals are bursting at the seams with travel assignments.

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