Reply to Help me figure out how to better allocate our 300k income.

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[quote=Anonymous]8:32 gave you some outstanding advice.  The little things add up.

It's hard to believe, but cable is actually a luxury.

That daily Starbucks fix or $8 deli sandwich is a luxury.  Make your coffee at home and pack your lunch.

What kind of groceries and where are you buying them? Less meat, more beans and rice and pasta.  Dial back purchases of organics and name brands in favor of store brands.  Sign up for your store's rewards program.  I get weekly emails from Safeway and Harris Teeter and I can pre-load my card with all the coupons.  It's amazing how much I can save without any effort at all.

Yes, a housecleaner and lawn service are both major luxuries.  Figure out with DH a schedule that either has you doing a little bit of chores each day all week long, or block 2hrs on the weekend that is dedicated to cleaning, ideally during the kids' naptime.  If you can't find the time, have groceries delivered.  The $7 delivery charge frees up that time to clean the house and is cheaper than the housekeeper.

When is the lease over? Look for a used car with low payments.

Find low-cost or no-cost activities both as a family and as a couple.  Going out to eat is a luxury.

Parking means you commute? Is there a cheaper alternative that will also then cost less in gas and car wear & tear as well?
What else? Without details on the misc expenses it's hard to say.  Pick a 2wk block and each of you write down every single nickel that you spend.  Then, go from there.

I also strongly agree that with an income at that level you should be seeing a financial advisor once or twice a year.  You don't mention anywhere what you're putting in retirement or college savings.  [/quote]

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