Reply to Family budget if your income is around $180-200K

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[quote=Anonymous]Our HHI was $167K up until March. Now, its $197K, but we are puttting the extra money towards repaying the TSP loan I took for a downpayment. I'm a government attorney (GS-14), and DH is an Audit Supervisor at a large non-profit. We have one DD, and have run into infertility issues trying for a second. We are both 30.

Take home is $8320, after benefits & retirement. I contribute 6%, and he puts in 5%. I carry all the benefits.

Mortgage & HOA- $2700

Childcare- Grandma babysits during the day-$1100

Law school loans- $1100  (I just qualified for loan forgiveness program once I had DD, and that's the payment)

Utilities- $300

Car Payment-$500

Credit card- $1100 a month. We got hit with a nasty $10K medical bill last year that we are aggressively trying to pay off by December. Then that extra money will get diverted to savings

Groceries- $600-$700

Eating Out- $400-$600 &lt;--- way too high!!! We commute from pretty far out, so it's hard to have dinners ready.

Pure Barre- $165 I love to workout and this is my me time. I've also gotten job leads networking! I have recently been diagnosed with PCOS, and it's imperative I do more cardio so I won't be renewing. I'm tone, but not improving my cardio levels or losing weight. I bought a brand new Nordic trac off of a friend for $600! So, DH and I will be using that a lot.

Discretionary spending-$250 estimated for diapers, wipes, hair, clothing, odd need for shoes, gifts, etc...

529- $25 a month

And there's honestly probably something I'm not thinking of! Any leftover money we float in our checking account, and usually have at least $500-$1000 in there.
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