Family budget if your income is around $180-200K
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Anonymous
| We give to SOME and Capital Area Foodbank. We used to give a lot more but, money is tight these days. I figure we can spare 25-50 a month easily. |
Anonymous
|
~9k/mo
2500 student loan payments 2000 mortgage & condo dues, includes utilities 1000 retirement 1000 savings 500 health insurance 100 life insurance 600 car payment 200 phones 1600 flexible spending: from groceries and diapers to new glasses, depends on the week. Usually breaks down to: 600 groceries 100 amazon delivery, diapers, wipes, etc 100 something totally unexpected (this month it's warby parker glasses because my old ones broke) 200 work lunches 200 date nights 200 babysitter for said date nights 150 laundry 100 charitable |
Anonymous
Wow, PP, our budget is very much like yours except that our medical/dental bills are higher (so no gym or housecleaning). Our mortgage is lower and our childcare is higher. Doable but not a lot of extras. |
Anonymous
This is $10,125 in costs. Good job though. |
Anonymous
How can gym be only $30 for a family of at least 3? We pay $120 a month and that is the lowest we can find.
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Anonymous
$30 is just for me. Its $40 with childcare. DH plays sports. |
Anonymous
| I think you are all amazing with your money. I don't know how you do it. The little things add up to so much; school supplies, parts to repair this and that, groceries, take-out etc. Your budgets seem so tight and organized. |
Anonymous
| Omg student loans suck |
Anonymous
|
OP here
We like to say we are not poor, just broke 
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Anonymous
| Which gym is $30 a month? |
Anonymous
L.A. Fitness in SS. |
Anonymous
If you don't track, how do you know if you are living within or over budget? I budget miscellaneous which includes school supplies and the random parts purchase. |
Anonymous
Can tell we live within budget because have money left over, after having taken out for savings/investments. Some of the budgets are over the 'take home' though so perhaps some pp's spend more than they think they do? |
Anonymous
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Take home: $10,100 (after 401k (15% contribution for each of us), health/dental ins,etc.)
3250 Mortgage 1600 Childcare 237 Student loan 1 151 Student loan 2 750 groceries 400 gas 250 electric 450 sinking fund for irregular bills (life insurance, etc) 210 cable/internet/phone 165 cells 50 water This adds up to $7513. The remaining money ($2587) is just miscellaneous expenses, not bills. We have around $85K in a liquid emergency fund, so we don't have a line item for savings right now, although when child care expenses drop, we will go back to saving. |
Anonymous
Maybe PP left out the income from the investment property? |