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WHAT IS YOUR MONTHLY EXPENSE?

The last post in this topic was posted 802 days ago. 

 

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Married couple with one dog

1350 - Mortgage

450 - Student loans

400 - revolving payments

225- Auto ins

290 - Car Note1

322- Car Note 2

108- Home Phone +DSL( i know we can combine w/sattelite but we have DSLPRO wich does not offer a discount)

90 - DirecTV

65 - Cell

200- Electric/Gas/Water

100 - dog supplies/daycare

We spend about $400 a month on gas for both cars and $100 for parking.

So not including food we spend $4100 a month out of 6k in take home.

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I've always wanted a dog, but with me being so cheap, I wonder how I would handle the extra expenses.

 

I've heard horror stories about vet bills. I figure if I can barely pay for myself, I can't handle the responsibility of the puppy.

Edited by rpina1

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edited to add - single, no kids

 

mortgage - $0 (bought condo outright)

taxes + ins - $100

HOA - $175 (includes water/sewer/gas/garbage)

electric - $65

no cable

no internet (connect laptop via neighbors non-secured links)

car - $0 (paid for a junker in cash, no worries with scratches)

car insurance - $100

gas - $100 (but that keeps rising)

health insurance - $0 (paid by employer)

dental insurance - $7

cell - $60 (family plan with Dad)

groceries - $150 (this seems to be rising as well)

student loans - $126

household misc - $75

personal allowance - $200

 

total = $1058

 

everything else earned goes toward savings+retirement+investments

Edited by CallMeJo

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I've always wanted a dog, but with me being so cheap, I wonder how I would handle the extra expenses.

 

I've heard horror stories about vet bills. I figure if I can barely pay for myself, I can't handle the responsibility of the puppy.

Yes it is expensive. His adoption fee was only $85(including deworming, neutoring and microchipping) but his first vet visit was $150. The 2nd one was $75. Then add in toys if its a puppy , good dog food is not cheap( we joke that he eats better than we do), snacks etc and it adds up.

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beer: $350

scotch: $422

 

you forgot lap dances.... :P

those are free :rofl:

 

Having been a dancer I have to laugh at this....

 

They did not have free dances ???????? <_<:rofl::rofl::rofl::rofl:

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My monthly expenses as a single lady (including rent, utilities, car payment, car insurance, student loan repayment, gasoline, groceries, medical bill repayment, personal care products [soap, hygiene goods, hair care], cellphone, miscellaneous [books, movies, etc.]) come to usually approximately $2,000.

 

I'm assuming that cost is going to rise now that I've carried balance on cards to pay for my new place in a new state, gas is rising again, and food produce will rise as well.

 

A few years ago I made less and spent less--but then again, I also had roommates, no car and my student loans were deferred and/or just not being paid, haha.

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You guys had to make me think about it :(

 

Married couple, teenage daughter, 2 golden retrievers and a feisty MIL

 

 

Rent - 0 - live with MIL in exchange for taking care of her (this money should be saved - long story)

Car - 512 (hubby's car paid for)

Car ins - 200

Life Ins - 126.

Cable/internet - $110 month

cell - 140/mo (AT&T for hubby - Verizon for dd and I - still in our contract period)

Gym - 75.99 mo (for dd and I - need to cancel as we hardly go it is sooo crowded)

Credit - 14.95 mo

Food - 400 (this includes the food we pay for on the weekend when we feed the MIL)

Dog food - 80

Paper - 30 (Friday, Sat and Sunday only)

housekeeper - $80 a month (MIL insists - she comes every other Tuesday so we switch off paying her)

Gardner - $17.50 month (half of bill)

Electric - $120

Gas - $30

Pest service - 13.50 a month -

water/trash/sewer - $100 every other month

Credit cards - 1000/mo (we pay more than the minimums)

Eating out - $200/mo

Storage unit - $85/mo (FIL pays half but gives me a check for his half every 6 months)

Misc- - $200/mo

DD school fees, entrance fees to see her perform etc

Misc to fix up the house etc - $200 or less a month..

Trying to save $1000 a month

 

I am sure that there is more but I can't think of anything right now.

 

DH takes home about $3400/mo

I used to take home about $2000 a month

 

Now we are down to $3400 a month as I am not getting my UE yet and still haven't found a job.

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Monthly net income, about $1600

 

Monthy expenses, about $735

 

Rent $100

Electric $100

Cellphone $50

Cellular internet $60

Car insurance $50

Food/booze/cigarettes $350

Gas $25

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I'm a college student that lives with a parent and commutes 3 days a week (about 1 hour and 15 minutes each way).

 

 

Expenses:

$50 - Cell Phone

$100 - Cable/Internet

$280 - Gas

$228 - Car Payment

$90 - Car Insurance

$100 - Food/Miscellaneous

 

$848 Total

 

Only bring home about $640 a month for now. I'm planning on getting a weekend job over the holidays. The rest comes from student loans.

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Monthly Gross Income is about 9300, net about 5500.

Rent = 850

Daycare = 540

Car Note = 344

Groceries = 450

Utilities = 230

Internet = 45

Cell Phones = 130

Insurance (Rental and Auto) = 120

Credit Card Payments = 120

Gas for two cars = 300

Puts my bills at about 3100. Leaving 2400 extra a month. I have a piece of junk car and have been considering a truck. I want to take advantage of the HUGE discounts on them right now. Having about a 400 note wouldn't be too much for me would it?

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$1538...food, $200 savings, rent/utilities, car insurance, school loans, cell, roadrunner

 

Gina

Edited by gnappl

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Leaving 2400 extra a month.

 

Having about a 400 note wouldn't be too much for me would it?

 

 

Doesn't appear that it would be.

 

 

Are you saving part of that 2.4K/month extra?

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795.00 == Rent/Water/Trash

150.00 == Cable/Internet

75.00 === Landline

60.00 === Cell

150.00 == Gas

00.00 === Auto Loan/Paid in Full

75.00 === Insurance Auto

25.00 ===Insurance Renters

400.00 == Savings

450.00 == 401k

100.00 == Credit Cards

175.00 == Groceries

200.00 == Shopping/Clothing

200.00 == Entertainment/Misc

 

2850.00 = Total

 

Single, no dependants.

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Taken from the excel spreadsheet I made up to figure out how much we could afford when we bought our house. Closed last month. Hopefully this budget will pan out. Estimates should be pretty close, based on our spending patterns and the fact that we were renting a house of similar size and paying all the utilities on that before. Takehome is rounded down, expenses are rounded up. This includes everything. Two adults, 4 pets.

 

My annual salary 49272

DH's annual salary 35360

Combined annual 84632

Monthly gross 7052.666667

 

Takehome Pay

Mine 2600 (life ins, health ins, FSA, pension $ taken directly out of check)

DH's check 2200

EQUALS 4800

 

Mortgage 1832 (PITI /MIP)

Car loan #1 167

Car loan #2 311 (just refied w/ Penfed, will be $265 in future)

Motorcycle loan 100

Ins. for 2 cars & 2 motorcycles 150

student loan 85

Fidelity Roth IRA 200

electric 300 (est. at winter high)

water 50

gas 350 (est at winter high -- we ride scooters in the summer)

food 375

internet 65

cell phone 70 (for 2 lines)

pet food 100

household goods 100

entertainment 100

EQUALS 4355

Edited by rabbit23

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Taken from the excel spreadsheet I made up to figure out how much we could afford when we bought our house. Closed last month. Hopefully this budget will pan out. Estimates should be pretty close, based on our spending patterns and the fact that we were renting a house of similar size and paying all the utilities on that before. Takehome is rounded down, expenses are rounded up. This includes everything. Two adults, 4 pets.

 

My annual salary 49272

DH's annual salary 35360

Combined annual 84632

Monthly gross 7052.666667

 

Takehome Pay

Mine 2600 (life ins, health ins, FSA, pension $ taken directly out of check)

DH's check 2200

EQUALS 4800

 

Mortgage 1832 (PITI /MIP)

Car loan #1 167

Car loan #2 311 (just refied w/ Penfed, will be $265 in future)

Motorcycle loan 100

Ins. for 2 cars & 2 motorcycles 150

student loan 85

Fidelity Roth IRA 200

electric 300 (est. at winter high)

water 50

gas 350 (est at winter high -- we ride scooters in the summer)

food 375

internet 65

cell phone 70 (for 2 lines)

pet food 100

household goods 100

entertainment 100

EQUALS 4355

 

Nice detailed accounting :-) I should do something similar and post it up.

Edited by LBCS

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$1,473.54

 

Okay, that is what I spent this month on mortgage, cable, electric, gas, water/sewage, cell phone, house and car insurance, life insurance for DH, college payment and 6 credit cards. That leaves about $550 left over for groceries/incidentals.

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Taxes (income + property) $5,980.00

 

 

Monthly? :yu:

yes :P:o

 

ETA: one month out of the year there is a bonus paid out for my spouse and taxes on that are included in my figure above, averaged over the 12 months. Also I teach summer school and that also results in extra payment and the taxes on it are averaged into the above figure.

 

 

Holy cow. You are paying off my mortgage every year in taxes. That's nuts.

 

He could pay off my mortgage in 4 months. :o

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$1615 house

$1220 DW car

Gas (car) $400

Grocery $300

Car Insurance $250

Utilties (Cell phones, gas, power, satellite, internet, landline, water): $500

 

Total: Approx. $4285/month

 

ETA: I guess it's really a sub-total, because there are fairly large expenses that are not recurring that seem to creep up often. Need a new alarm, a new gun, a new tooth...etc.

 

Probably really run through at least 1.5K more per month on average.

Edited by athensgaguy

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Taxes (income + property) $5,980.00

 

 

Monthly? <_<

yes :cry2: :cry2:

 

ETA: one month out of the year there is a bonus paid out for my spouse and taxes on that are included in my figure above, averaged over the 12 months. Also I teach summer school and that also results in extra payment and the taxes on it are averaged into the above figure.

 

 

Holy cow. You are paying off my mortgage every year in taxes. That's nuts.

 

He could pay off my mortgage in 4 months. :o

 

I joke that my income pays her taxes LOL

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Car insurance- $190

Car payment- $140

Gas- $70

Cell phone- $20 (prepaid)

Paying off CC balances: $100

Food: $180

 

Total take-home every month: $700

 

Total expenses: $700

 

Anything else I need I can get with student loans.

 

*sigh* Good thing I live with a relative. I wish there were better jobs in Michigan.

Edited by HPchica

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We make good money but we also waste a lot on cell phones, dish TV, internet etc. Debt snowball has us currently out of credit card & auto loan debt in 17 months but I'm always trying to knock that down. We could take it down to bare bones but I would only make it a month on that plan...

 

2 adults + 3 kids + 4 pets

 

Monthly take home: 7,618

 

 

 

1725 Mortgage

465 Car

1660 CC Snowball

300 Gas

90 Dish

100 Electric

285 Cell phones

700 Groceries

50 Water/Garbage

100 Db's Mom

100 Car Repairs

100 Eating out

50 Medical

200 School

150 Christmas

100 Birthdays

100 Vacations

100 Clothing

60 Internet

150 Fun

40 Student loans

50 Hair/nails

100 Home maint

100 Insurance

315 Furniture loan- 8 months left @ 0%

200 Miscellany

150 Mattress loan- 8 months left @ 0%

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beer: $350

scotch: $422

 

you forgot lap dances.... :lol:

those are free :lol:

 

 

LOL

 

$15 or$25 depending upon what room you're in, but it pays the bills lol.

 

(FWIW, I'm a strip club DJ)

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This could be a good exercise for me...

 

My gross - $7077

DH - $3680

TOTAL 10757

 

net - $4900 and

$2594

TOTAL 7494

 

2 adults+ 1 3 year old + 2 cats + 1 dog

 

mortgate - 2135 (includes extra 25/month to 2nd mortgage)

life ins (both of us) 30

lawn service - 80

pest control - 33

natural gas/electric - 350

water - 50

day care - 759 (175/wk)

gas - 200

groceries 450

cable/internet - 155

cell phones - 95

529 for DS - 100

student loans - 162

car payments (2) - 825

house phone (vonage) - 20

DS sports class at day care - 38

auto ins per month - 133 (800/yr)

home ins per month - $103 (1750/yr) (going WAY up in august with our $22k in damages due to Ike!)

flood ins - 30 (350/yr)

HOA - 77 (925/yr)

prop taxes - 550 (6600/yr)

 

TOTAL: 6316

 

DH and I are both paid bi-weekly (on opposite weeks), so we each get two extra checks a year (so an extra month of pay). A lot of this is annual expenses averaged out monthly

 

Now WTH is all the money going??? Like I said, this would be good for me...

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Generally very true. I don't know anyone earning 250K/year that lives in a 80K house. But I know plenty of people earning 45K/year that do. When the income goes up, magically- so do their expenses.

 

True, True, but....

 

 

My foster-sister and friend pulls in about 100k a year and lives in a darn mobile home. Her car is about 15 years old and she still hangs her clothing outdoors. Most of her clothing comes from yard sales. She does purchase new shoes, only when Payless has bogo.

 

There's living, then there's living. I couldn't live like that.

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