Reply to $14k net HHI - Budget Input

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[quote=Anonymous]Holy shit OP, I'm new to this thread but you have PROBLEMS. Here are my comments

Nanny/PT Preschool for one child - $3k per month -- ditch the nanny, put your kid in full time preschool --&gt;you'll save at least $1000/month
Mortgage - $3100 per month
HOA Fee - $200 per month
Investment Property - $750 per month (what rent doesn't cover) -- ditch
Home Insurance - $125 per month
Car Payments - $1200 per month (2 cars) -- are you financing or leasing.  If you're leasing, you are stupid, just buy new cars outright.
Car Insurance - $110 per month (2 cars)
Gas - $200 per month
Tolls - $35 per month
Groceries - $1k per month, family of 3 plus nanny (weekdays breakfast & lunch for her). Includes wine/beer and hello fresh for weeknight meals --- ditch the nanny, stop using hello fresh, this is outrageous for four people.
Restaurants/Take Out - $500 per month (normally one 'nice' date night dinner and the rest inexpensive) -- you spend $1500 on food a month!!! That's nuts.
Home Supplies - $650 per month (all the basics like toilet paper, paper towels, cat food/litter, shampoo, OTC meds, cosmetics, diapers, baby supplies, blah blah) -- that seems like a lot
Student Loans - $350 per month 
Personal Care - $350 per month (hair cuts/color, waxing, nails) -- cut down on this.
House Cleaner - $300 per month
Lawn Care - $135 per month
Shopping (Clothing/Accessories/Home Decor) - $500 per month -- seriously??
Gifts - $200 per month - what the fuck?
Work Lunch - $150 per month
Entertaining - $200 per month (having guests over/parties)
Kid's Activities/Lessons - $200 per month (swim class, music class, outings)
Doctor/Dentist - $150 per month -- do you have medical problems?
Pharmacy/Medications - $100 per month -- do you have medical problems?
Water Bill - $100 ($300 every 3 months)
Gas Bill - $140 (in winter, much less in summer months)
Electric Bill - $200 
Cell Phones - $200
Pets - $100 earmarked per month for vet visits, meds etc every few months
Entertainment - $150 per month (going out for drinks/movies/etc)
Cash - $200
TOTAL ~ $14,600

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