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re: Break it down - your finances
Posted on 4/28/15 at 1:27 pm to StringedInstruments
Posted on 4/28/15 at 1:27 pm to StringedInstruments
quote:
Gifts are $50/month because we give a good bit when we can.
Where females make their mark on a budget. I'm glad my wife does it so I can feel like a better person, not to mention the enjoyment of seeing people receive gifts, but I'm sure we gave over $2,000 in gifts last year. I think my number would have been $200
2
Posted on 4/28/15 at 1:29 pm to Teddy Ruxpin
quote:
Where females make their mark on a budget. I'm glad my wife does it so I can feel like a better person, not to mention the enjoyment of seeing people receive gifts, but I'm sure we gave over $2,000 in gifts last year. I think my number would have been $200
same here. Although we were probably closer to $5k. We give each of the nieces and nephew $500 a year. that adds up quickly.
Posted on 4/28/15 at 1:30 pm to JonaYolles
I wish I put more to savings. Last month I ran in the red, so I didn't pay myself anything, but I did use the company accounts to pay my bills. ( I need to seperate the two, but I run everything from one Checking account)
My dining out and 'fun' budget is 2x my savings.
My vacation budget is almost as large. (save monthly to go on 3-4 vacations a year)
My dining out and 'fun' budget is 2x my savings.
My vacation budget is almost as large. (save monthly to go on 3-4 vacations a year)
Posted on 4/28/15 at 3:04 pm to StringedInstruments
Am I reading that right that your income is $4400 a month and your expenses are $4217? That's very tight.
Posted on 4/28/15 at 3:06 pm to VABuckeye
I wonder how accurate everyone's gas budget is - I thought I was spending about $200 on gas in my old truck, and it turns out I was spending closer to $350!
Posted on 4/28/15 at 3:09 pm to JonaYolles
quote:
I wonder how accurate everyone's gas budget is - I thought I was spending about $200 on gas in my old truck, and it turns out I was spending closer to $350!
I think we may be overestimating our gas budget. Living in a small college town has its perks. My wife drives maybe five minutes to work. I bike to class.
To the other person - Yes, it's VERY tight. Very, very, very tight. But that's what happens when you're miserable in a job, resign from it, jump into graduate school (on fellowship), and have a baby all at the same time.
I am curious where people think we could cut. What really hurts us are the credit card bills ($125/month), student loan ($140/month), and grocery store bullshite. I put $900, but that's rarely accurate. We always find a way to go over.
Posted on 4/28/15 at 3:10 pm to Teddy Ruxpin
quote:
Where females make their mark on a budget.
Yep. I can't tell you how many times I've gotten upset with my wife about it. I gave up years ago. Took a few years early in our marriage, but I eventually realized that there was nothing I could do about the "I got my friend a set of earrings I found on sale at some boutique" purchases.
Posted on 4/28/15 at 3:14 pm to JonaYolles
My gas budget is $100 a month. I work from home and expense all travel to my company once I leave the front door.
The wife has to drive downtown and back
The wife has to drive downtown and back
This post was edited on 4/28/15 at 3:15 pm
Posted on 4/28/15 at 3:14 pm to StringedInstruments
Where do you normally shop? Do y'all have access to farmer's markets? Sometimes produce is a lot cheaper there than at the store. My SO and I recently started living together and we rarely go over. I know you have a kid so I assume diapers and stuff are in that number? I see you have another cat called necessities, what is that? Oh and try shopping around for auto insurance. You may be able to get it down some.
Posted on 4/28/15 at 4:06 pm to JonaYolles
quote:
I wonder how accurate everyone's gas budget is - I thought I was spending about $200 on gas in my old truck, and it turns out I was spending closer to $350!
When gas was expensive I was at about $1k a month. Premium in my car, wifes car and two kids cars. Only premium in mine.
This post was edited on 4/28/15 at 4:07 pm
Posted on 4/28/15 at 4:07 pm to JonaYolles
(no message)
This post was edited on 10/21/15 at 3:39 pm
Posted on 4/28/15 at 4:09 pm to VABuckeye
quote:
When gas was expensive I was at about $1k a month. Premium in my car, wifes car and two kids cars. Only premium in mine.
holy frick.
I bet we spend less than $50/month on gas.
Posted on 4/28/15 at 4:24 pm to Hawkeye95
quote:
holy frick.
I bet we spend less than $50/month on gas.
I'm lucky too. Unless I take a trip, I'm pretty damn close to $50 or less than that a month.
Love living city/commuter life for that reason alone.
Posted on 4/28/15 at 4:27 pm to Hawkeye95
The one great thing about my job is I make $0.575 per mile I drive from the second I leave my house till I get back. Obviously cancels out all work related driving and pays for all additional driving I do throughout the month.
Posted on 4/28/15 at 4:28 pm to STLhog
quote:
I'm lucky too. Unless I take a trip, I'm pretty damn close to $50 or less than that a month.
Love living city/commuter life for that reason alone.
i work from home. in the summertime, i can go 2-3 weeks without getting in a car. well my car that is. I will take uber
This post was edited on 4/28/15 at 4:29 pm
Posted on 4/28/15 at 4:38 pm to StringedInstruments
quote:
I think we may be overestimating our gas budget
Spent $4962 on fuel last year.
Posted on 4/28/15 at 4:56 pm to Hawkeye95
quote:
holy frick.
I bet we spend less than $50/month on gas.
Premium got up to $4.50 or so here. At a tank a week that alone was about $350 a month. Gas costs are way down for me now. The kids buy their own and my wife only fills up every couple of weeks.
I still fill up close to once a week in my new car but I own my business and appointments are money and I like money.
Posted on 4/28/15 at 5:27 pm to LSUengineer12
quote:
Food/Groceries, Dining Out, Entertainment - $580
How? I could understand if it was just groceries, but dining out and entertainment? How?
Posted on 4/28/15 at 5:29 pm to JonaYolles
2014 Monthly Figures According to My Spreadsheet
29 Single
Gross - 6150
Taxes - 1200
Net - 4950
Insurance - 60
401k Contribution - 1450
HSA Contribution - 220
Roth Contribution - 450
Food - 435
Rent/Utilities - 780
Phone/Internet - 70
Transportation - 200
Vacation - 160
Entertainment - 440
Charity - 345
Savings/Taxable Brokerage Account - 340
29 Single
Gross - 6150
Taxes - 1200
Net - 4950
Insurance - 60
401k Contribution - 1450
HSA Contribution - 220
Roth Contribution - 450
Food - 435
Rent/Utilities - 780
Phone/Internet - 70
Transportation - 200
Vacation - 160
Entertainment - 440
Charity - 345
Savings/Taxable Brokerage Account - 340
Posted on 4/28/15 at 5:30 pm to tes fou
I'm scared of my fuel cost. Driving BR to Lafayette every day.
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