Reply to $14k net HHI - Budget Input

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Reply to "$14k net HHI - Budget Input"

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[quote=Anonymous]Op we make a similar amount of money and used to spend a lot like you.  Previously we spent it all and didn't understand what we were doing wrong.  I'll post our current budget so you can see the differences.  It's not just the little things that add up but some big lifestyle choices.

Take home after maxing out retirement for two earners :  $15k

$5k - 15 year mortgage in DC
$200 - car insurance and gas.  We have one car we own outright and don't use it to commute.  We fill up around 1 or 2x a month.  
$2,000 - weekly money.  We spend $500 weekly on groceries, dining out, manicures, drycleaning, coffees etc.  we take $500 out a week out of the atm. 
$800 all utilities, cell phones, car insurance etc. 
$175 - gym.  Hate this one. 
$1000 - travel, new furniture, unexpected home repair, clothing etc. 
$200 - haircut and color
5k - savings / investments (with baby in daycare will become 2.5k)

We also earn another 100-120k each year in bonuses and save most of this.

We would not be saving 5k or 2k if we drove your cars, commuted via car and also spent what you do on gifts, dining out, groceries and drygoods.  We don't have a cleaning lady or a yard man.  You need a lifestyle makeover if you ever want to accumulate wealth.  
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