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Reply to "Critique my budget, please. Need to increase retirement savings."
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[quote=Anonymous][quote=Anonymous]HHI = $145k. No debt other than mortgage. We have a strong emerg fund but only ~$100k in retirement savings (early 30's). Saving about 8%/year towards retirement so I know it needs to increase. Current net monthly = $8400 after medical and 401k [b]Expenses:[/b] - $2500 PITI - $1000 groceries/food - $500 utilities, cell phones - $160 biweekly cleaning - $1300 daycare for one infant - $250 gas/car insurance/life insurance - $400 shopping/gifts/charity - $100 pet - $300 health-related expenses (copays, pharmacy, gym) - $400 extra (travel, home repairs, etc)[/quote] Get rid of cleaning, put pet for adoption, no gifts/charity shopping, no travel, get the simplest cell phone (not smartphone). No gym, run outside. Groceries can be cut down to $500 if you stick only to necessary basics.[/quote]
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