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Reply to "Input on my (possibly too detailed) budget"
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[quote=Anonymous][quote=Anonymous]So no savings that are just put aside for later? Nada in savings? Adult lunches/spending money $500 per month? In addition to pretty small grocery budget of 800, meaning 200 per week. Which as there sounds to be the three of you, is not that bad at all with a small child. Nobody needs $500 per month for lunches. Put that money in savings.[/quote] There isn't generic savings -- but I have savings for - emergency fund - car maintenance/repair (this may be too low) - home maintenance - health expenses It sounds like you're suggesting a "life happens" fund like a previous poster. I like the idea, just have to figure out where else to trim from to put the money in there. The one part of this plan that I'm confident about is the grocery/gas/household/spending money amount. We've actually been doing this for several years; each month we transfer $1000 to a shared account for groceries/gas/household, and $250 into each of our personal accounts. The only time we run out of money in the shared account is if we went crazy with the takeout -- in which case we each chip in some of our fun money to get through the end of the month. It doesn't happen too often, and when it does we usually know why and someone usually said "I don't care, I want sushi tonight, if we run out of food money I'll pay for it." So our $250/mo actually covers not just lunches (I spent $0 on lunch since I WFH full time these days), but anything that doesn't feel like a mutual expense. I pay for videogames and Amazon music out of it. Spouse pays for some subscription channels on Amazon Prime that nobody else watches, a paid online community, hobby materials, etc. We also get each other (small) gifts out of it for holidays and birthdays. The separate fun-money accounts are pretty much what makes our marriage work, since we never have to justify little purchases to each other, or be afraid that the other person is going to ruin our budget with {personal expenditure that the other person considers superfluous}. We have literally not fought about money since we started doing it this way in 2016. It's great. Saved us a ton of money on divorce. :wink: [/quote]
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