Reply to $14k net HHI - Budget Input

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[quote=Anonymous]Nanny/PT Preschool for one child - $3k per month [b]&lt;--- Why?  Lose the preschool,  completely unnecessary.  Or switch to daycare.[/b]
Mortgage - $3100 per month 
HOA Fee - $200 per month 
Investment Property - $750 per month (what rent doesn't cover) 
Home Insurance - $125 per month 
Car Payments - $1200 per month (2 cars)  [b]&lt;--- Colossal waste of money.  What do you drive?[/b]
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  [b]&lt;--- Why are you using Hello Fresh for weeknight meals?  Go grocery shopping or subscribe to Peapod and/or Amazon Prime Pantry.  It's not that hard.[/b]
Restaurants/Take Out - $500 per month (normally one 'nice' date night dinner and the rest inexpensive)  [b]&lt;--- Too much.  If that is only one date night, then you are eating out too much[/b]
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)  [b]&lt;---That is a lot if it doesn't include any food [/b]
Student Loans - $350 per month 
Personal Care - $350 per month (hair cuts/color, waxing, nails)  [b]&lt;--- Unless you are a professional model or actress, this is ridiculous. [/b]
House Cleaner - $300 per month  [b]&lt;--- Could probably be cut back. [/b]
Lawn Care - $135 per month  [b]&lt;--- Cut the lawn yourself.  Good exercise. [/b]
Shopping (Clothing/Accessories/Home Decor) - $500 per month  [b]&lt;--- That's a lot. [/b]
Gifts - $200 per month 
Work Lunch - $150 per month  [b]&lt;--- Pack a lunch. [/b]
Entertaining - $200 per month (having guests over/parties) 
Kid's Activities/Lessons - $200 per month (swim class, music class, outings)  [b]&lt;--- Waste of money for a child in diapers[/b]
Doctor/Dentist - $150 per month 
Pharmacy/Medications - $100 per month 
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 
[/quote]

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