Want to see my budget?

[Anonymous]

Here's my budget. Feel free to share tips. Also feel free to rejoice in how much more money you have than us if that's the case. It is what it is. . .

2500 Mortgage
101 Storage
2000 Childcare
725 Student Loans
175 Cell
305 Credit cards
100 Power
40 Trash
20 TV
75 Water
40 Cable
45 Gas
90 Grass
250 Auto Loan
80 Auto Gas
40 Parking
80 Auto Insurance
145 Life Insurance
100 Doctors
60 Vet/Pet Meds
50 Gym
600 Grocery/CVS/Pet
175 Amazon Subscribe/Save
60 Restaurant
150 Shopping
150 ATM/7-Eleven
35 Gifts
120 DH Work Expenses

8311 - TOTAL

[Anonymous]

You have separate montyly items for TV and cable? Is your TV on a payment plan or something?

[Anonymous]

Anonymous wrote:You have separate montyly items for TV and cable? Is your TV on a payment plan or something?

TV really means paying for like Amazon Prime Channel shows (similar to netflix)

[Anonymous]

If you're looking for advice, sell the stuff in storage, and switch to a prepaid provider to get your cellphone bills down.

Also those are really high life insurance premiums -- shop around or switch to term insurance if not already on it.

[Anonymous]

So are you trying to reduce your budget? What kind of tips are you looking for?

How do you only spend 80 on gas?

What's TV separate from the cable? I'd drop those.

Life insurance looks high. I pay less than that for a private policy. $1 million of coverage.

Why do you have a storage fee? Can you get rid of the stuff?

[Anonymous]

Anonymous wrote:So are you trying to reduce your budget? What kind of tips are you looking for?

How do you only spend 80 on gas?

What's TV separate from the cable? I'd drop those.

Life insurance looks high. I pay less than that for a private policy. $1 million of coverage.

Why do you have a storage fee? Can you get rid of the stuff?

Gas is low because neither of us have to drive much - I live in Pimmit.
Because I have a Pimmit house under 1000 sq ft and no basement, we really need the storage unit
TV expense is similar to Netflix purchases
I should change my life insurance - it is totally too expensive.

[Anonymous]

Definitely shop around the life insurance using a broker (Lifequotes, Geico, etc) and put that savings towards paying down credit card debt.

Also your auto insurance seems high if you don't drive a lot. You can usually get this down when you drive less than 12k miles/year or some cut-off like that. We pay $1000/year for 2 cars, and one of them is a 2-seater exotic sports car (on the under 3k miles/year plan).

[Anonymous]

Childcare is way too much, get rid of the kids!

[Anonymous]

How much do you make? Where are your savings?

[Anonymous]

Anonymous wrote:Childcare is way too much, get rid of the kids!

Marry me

[Anonymous]

Anonymous wrote:How much do you make? Where are your savings?

Exactly. This is a pointless exercise otherwise. If you're taking home $12K/month, you're doing great. If it's 8K/month, you have a problem.

[Anonymous]

Cut your own grass and save $90/month.

Groceries: $600? How many people in your household? I would start clipping coupons and compare prices to save money.

[Anonymous]

Anonymous wrote:Cut your own grass and save $90/month.

Groceries: $600? How many people in your household? I would start clipping coupons and compare prices to save money.

not OP, but I agree to cut your own grass. With a 1000 sf house, your yard couldn't be too huge.

My family has 4 people and we spend 600/month on groceries. I need to start clipping coupons too

[Anonymous]

Family of 4 and I've been clipping coupons since Jan. I've finally hot a stock pile big enough that I spend about $75 a week which is $300/ month. I spend about $20 in fresh produce at the Asian market and use the rest to buy whatever's on sale.

[Anonymous]

I'm the PP from 8:03.

I noticed that CVS is expensive in general compare to Wegman's unless you have $5off$15 or CVS money (ie: husband's shaving cream, tooth paste, tooth brush, baby's saline drops).