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Reply to "Agh… no $$ left after I pay all the bills"
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[quote=Anonymous]HHI 160K here...same position...I public schools, smaller mortgage, but a lot of medical bills. DW is a SAHM, so there is potential for about 30K more per year (I am maxed out in my field)... No money left over...minimal savings for college. I do have a healthy 401k, and only one kid. If DD goes in state, she we should be fine. as for my expenses: I eat lunch at the cafeteria... About half cooked, half takeout (I am the cook, and am often tired after work). We pay 160 a month for 3 smart phones: (DD is 12) No daycare expenses Minimal entertaining... Clothing...not sure. most of it is for growing DD, probably 500/year for her. Cars: two car payments on a Subaru and a VW....drive about 14000/year total. Activities...not too much, right now, usually religious school, and one sport. Gifts, about $200 per year...(birthday & Hanukkah). This year, will be higher with Bat Mitzvah. Vacations, about 2 -3k/year. We used to spend a lot more...but that is not an option. Other big expenses: Mortgage: 2K/mo Ulitities 150/mo Cable/internet: 160/month, but I use the internet for work Medical: about 750/month (I can not cut that back and live....most of it is for cancer treatments) Life Insurance (not dropping that): about 200/month. [/quote]
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