Reply to $14k net HHI - Budget Input

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[quote=Anonymous]Op - Although i agree with the others on the cars, if you already have them and you want to keep them, do that.  for me, the biggest things that jumped out were all your discretionary spending.  Just take a look at your list and re-organize it a bit.

this is what you're spending on food and entertainment: $2,000 per month - I just can't even understand how you grocery shop and spend 1000 on food (that doesn't even include home supplies), then you do restaurants/take out for another 500, then eat out for work, spend more money to entertain.  Honestly, when do you eat the groceries you buy each month?
Groceries - $1k per month
Restaurants/Take Out - $500 per month 
Work Lunch - $150 per month 
Entertaining - $200 per month (having guests over/parties)
Entertainment - $150 per month (going out for drinks/movies/etc)

this is what you're spending on just miscellaneous shopping, upkeep, gifts: $1,700 per month  Agaain - here - you buy TP and non-food groceries and that's a huge amount of stuff.   And then $500 on clothes and décor? it's almost like you're a hoarder.   and your hair and nails cost you $350 per month?  a color and cut is about 350 at a top place and that's every 2-3 months, right? the rest is some serious waxing and then $200 on gifts....each month?  
Home Supplies - $650 per month 
Personal Care - $350 per month (hair cuts/color, waxing, nails)
Shopping (Clothing/Accessories/Home Decor) - $500 per month
Gifts - $200 per month

honestly, if you cut back on the above you'd save yourself a ton of $$ and i can't even go into the rest below.  nanny PLUS preschool PLUS activities?  cut back on those.  A good nanny can do activities with your kid without you having to pay for classes.

Nanny/PT Preschool for one child - $3k per month 
 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) 
 Car Insurance - $110 per month (2 cars) 
 Gas - $200 per month 
 Tolls - $35 per month 
Student Loans - $350 per month 
 House Cleaner - $300 per month 
 Lawn Care - $135 per month 
  Kid's Activities/Lessons - $200 per month (swim class, music class, outings) 
 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 
 
 Cash - $200 
 TOTAL ~ $14,600 
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