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October 26, 2013 at 4:17 am
ScottieTime for a budget audit…..
Here is where we are – comments and rude remarks accepted…
I am stopping my 401K finally….
they stopped our matching, so I will drink the Ramsey Kool-Aid and throw the money at debt for now….. $6,481.78 income (includes $800 child support payment that I completely put on debt as it is money that I don’t count on seeing too often) Transportation: –Gasoline $102.27 –Insurance (car, renters, life) $175.75 –Maintenance $56.82 –Payments (they are really paid off but this goes to a saving account for a new vehicle if needed) $284.09 –Tabs $18.64 Stuff: –Bank Fees (Mvelopes, Turbo Tax annual fee, etc) $13.85 –Clothing $56.82 –Debt Snowball $1761.92 –Tithe $568.18 –Entertainment $62.50 – WoW and COV accounts $63.91 (husband and son’s addiction, since I won’t get them cable) – Food $511.36 – School Lunches $27.27 (saving for next year) – Birthdays / Holidays $147.72 – Spending Money / Allowances $340.91 (everyone gets 1% of whatever mom and dad brought home minus fines for chores not done) – Gymnastics Class $70 (for daughter who is totally amazing) Four Walls: – Rent $1500 – Personal Care $47.73 – Pets $48.30 – Garbage $29.82 – Gas / Electric $106.52 – Internet $66.20 – Cell Phones $146.46 (more than we need, but I am planning to switch to a T-Mobile plan this summer and include the kids’ now pre-paid lines as well as my mom – saving for the line activation fees now) – Water $74.56 — [MOD EDIT: URL removed]October 26, 2013 at 4:33 am
SonnyLucy how many people are in your family? Your rent looks high to me. We have about $1000 less a month in income from you and pay half of what you pay for your rent to our mortgage. I don’t know where you live though and I know that makes a big difference. Other than that your amounts look pretty similar to mine with the exception of spending money. We only budget about $80 a month for both of us. The only “extra” we have right now is XM radio that I budget $20 per month on. I too dropped my 401K as my company stopped the match. We took a 10% pay cut and I was contributing 8% so that kind of made up my pay cut in my check. Kim
October 26, 2013 at 5:13 am
MilesI like the idea of 1% allowance minusfines for chores not done.
I’m still working on the commission idea of Dave’s.
Could your internet be less expensive? Seems a little high to me.
We have At&t with wireless for the whole house for half that.
Not sure what CoV WoW is.
I’m guessing that is entertainment? You don’t need cable with Hulu.com.
Medical? Looks pretty good! Music is the universal language-Learn it.
Time for a budget audit…..
Here is where we are – comments and rude remarks accepted…
I am stopping my 401K finally….
they stopped our matching, so I will drink the Ramsey Kool-Aid and throw the money at debt for now….. $6,481.78 income (includes $800 child support payment that I completely put on debt as it is money that I don’t count on seeing too often) Transportation: –Gasoline $102.27 –Insurance (car, renters, life) $175.75 –Maintenance $56.82 –Payments (they are really paid off but this goes to a saving account for a new vehicle if needed) $284.09 –Tabs $18.64 Stuff: –Bank Fees (Mvelopes, Turbo Tax annual fee, etc) $13.85 –Clothing $56.82 –Debt Snowball $1761.92 –Tithe $568.18 –Entertainment $62.50 – WoW and COV accounts $63.91 (husband and son’s addiction, since I won’t get them cable) – Food $511.36 – School Lunches $27.27 (saving for next year) – Birthdays / Holidays $147.72 – Spending Money / Allowances $340.91 (everyone gets 1% of whatever mom and dad brought home minus fines for chores not done) – Gymnastics Class $70 (for daughter who is totally amazing) Four Walls: – Rent $1500 – Personal Care $47.73 – Pets $48.30 – Garbage $29.82 – Gas / Electric $106.52 – Internet $66.20 – Cell Phones $146.46 (more than we need, but I am planning to switch to a T-Mobile plan this summer and include the kids’ now pre-paid lines as well as my mom – saving for the line activation fees now) – Water $74.56 — [MOD EDIT: URL removed]October 26, 2013 at 5:23 am
MohammadNot really sure where you can trim. Everything seems pretty minimal. What is the difference between the Entertainment and Wow/CoV categories? The water seems a bit high but that is comparing with rates in my area, of course. Our water runs around $35 a month.
Christy “Well-behaved women never make history.” – Laurel Thatcher Ulrich “In A Tornado, Even A Turkey Can Fly!” – venture capitalist Eugene Kleiner (borrowed from Eldred)October 26, 2013 at 6:23 am
EzequielOurs averages only $35 too and it turns out we pay maybe $10 for water and the rest is sewer.
Ugh! But we’re in Michigan in a very rural area so I’m not surprised that its cheaper here.
If your not paying for cable then I see nothing wrong with the amount you pay each month for WOW and the other one.
Your right about keeping the natives happy! I have to do that too! God Bless! Jolene I wish it could be only $35 – how do you manage that? I think sewer itself is about theOctober 26, 2013 at 6:33 am
HobertEldridge? Who’s he? Eldred — “Lee Tyler can afford to hire any attorney in the world.
She’s chosen me.
Do you wonder if I’m any good, Miles? Do you really wonder…?” Alan Shore, Boston LegalOctober 26, 2013 at 7:01 am
TheronGeez, I don’t post for a couple of days, and people forget my name…<g Eldred — “Lee Tyler can afford to hire any attorney in the world.
She’s chosen me.
Do you wonder if I’m any good, Miles? Do you really wonder…?” Alan Shore, Boston LegalOctober 26, 2013 at 7:10 am
KirbyI saw it and thought it was a joke between the two of you! LOL! Kim
October 26, 2013 at 7:39 am
GustavoNew member of the forum. He is gonna use cash this month. Got a new job, getting things in order, starting fresh. Nice guy…big help. You’ll like him! (teehee) Eldred — “Lee Tyler can afford to hire any attorney in the world.
She’s chosen me.
Do you wonder if I’m any good, Miles? Do you really wonder…?” Alan Shore, Boston LegalOctober 26, 2013 at 7:49 am
Ferdinand
Eldred — “Lee Tyler can afford to hire any attorney in the world.
She’s chosen me.
Do you wonder if I’m any good, Miles? Do you really wonder…?” Alan Shore, Boston Legal -
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