Reply to Does anyone have a HHI less than 100k?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Yes, family of 4 here with HHI about 85,000. Unlike all the rich and delusional people on this board, we are actually very comfortable at this income. We rent in NW DC, one kid in DCPS and a little one at home. We eat out, don't penny pinch, but control large expenses to build up on savings and  buy a house in the future. No college savings, a little bit in retirement and zero debt. [/quote]

Could you share your budget? I am in a similar situation, but we only have one child that goes to day-care and wish to have a second one, but it will be hard to afford child-care for two children.

Thanks![/quote]

Not poster, but we make around 70k, live in NW DC in 1-bedroom. Approximate monthly budget below. No debt or loans. Above average savings for age/income.

1300 Rent (Lucky enough to have same rent for past 4 years) 
400 Groceries
300 Dining/Date Nights/Visiting Friends
125 Work Lunch for both (Try to bring leftovers and keep below 100)
225 Gas/Insurance/Public Transportation
70 Cell Phone (2x Unlimited prepaid w/Virgin. Just switched from Verizon, the service is just as good and over 1k year savings.)
50 Internet (No cable, watch everything online)
250 Vacation Fund 
1200 Emergency/Retirement Savings

Around $4k monthly budget.

I have started working on post-baby budget and expect a $300-400 bump not including childcare. Daycare is obscene and I am ignoring it since we may not even need it if we move next summer.[/quote]

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