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[quote=Anonymous]I think the numbers work out for OP – bringing in about $3000/month and barebones expenditure of $2000-2500, IF she does nothing besides pay her bills.  Seriously – if you’ll be happy with a life that consists of watching TV or walking around the mall (but not buying), it is doable.  But you have a young kid – presumably you’ll want to take him to movies, amusement parks, vacations etc. and that costs money.  Also you’re going to be young retirees, so you and DH will likely want to be going out and that costs money.

Plus you mentioned wanting your home to be a destination home.  I presume that also means you’d want your house to be the “friend” house once your DS starts school? Those kinds of homes are super-fun – people over all the time, swimming, socializing etc. But the costs add up quick.  People will be drinking your sodas.  They’ll be hanging out over lunch time and you’ll throw some burgers on the grill for everyone.  There are days where you’ll be exhausted but not wanting to kick anyone out, so you’ll call and have 5 pizzas delivered to feed everyone.  All that is great, but it adds up quick and you don’t have that kind of spending room in your budget right now.  The only people that I’ve known who make their homes the “friend” homes are typically people with a lot of money – so they aren’t worried if this weekend an extra $200 went out the door for groceries and they have no need or desire to make everyone chip in a few dollars for Chinese takeout – they can simply cover it.  People on a budget as tight as the one you’re suggesting simply can’t make this work.
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