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[quote=Anonymous][quote=Anonymous]OP here.  Do you live in DC 15:11?  I am also amazed at the amount of money we earn and burn through, but it is what it is.  We can "survive" on $8100, but can't get ahead.  A very rough budget for us:

$3200 - house/utilities/life insurance
$2000 - childcare
$1800 - student loans, credit card debt, car payment/insurance/gas/parking (minimum payments on all)
$800 - food/household goods like TP, paper towel, laundry detergent, etc
$900 - tithe

That leaves a grand total of $300 for all extras - clothing, diapers, toiletries, haircuts, etc.  Survivable?  Sure.  Manageable?  Yes.  But very difficult to save extra.  The first three big ticket items are fixed costs - we cannot reduce them by cutting corners, etc.

We are obviously house-poor.  I know that is the problem, but moving is not an option right now.

Anyway - not the point of my post, but just wanted to show that it's possible for $9,000 (or $8,100) to not stretch all that far.

Thanks to everyone for your input and feedback - we'll be examining our budget again this week.  :)[/quote]

Are you not saving for retirement right off the top, pre-tax?

If that is the case, you should start doing so immediately.  [/quote]

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