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Old 12-13-2009, 05:05 PM   #81
Thinks s/he gets paid by the post
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Originally Posted by Lagniappe View Post
1. Federal Income Tax
2. State Income Tax
3. Mortgage P&I
4. Payroll Taxes
5. Property Tax
You can tell who works, and who don't from these lists.

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Old 12-16-2009, 02:13 AM   #82
Recycles dryer sheets
Join Date: Feb 2006
Location: Valencia
Posts: 120
ok, I guess I have a distorted view of what a "spending category" is. Doesn't anyone have a category for "spending money"? Actually, we call this "an allowance".

I spend my allowance on things like entertainment, beer, clothes, gifts, donations, haircuts, beer, stupid Walmart purchases, and beer.

My wife spends her allowance on really stupid stuff, but that's her choice, it keeps us from arguing over spending money.

We each get $600 a month. That's $14,400 per year and is our biggest spending category.

Either we are extravagant spenders or that does not qualify as a "category".

I have one credit card used exclusively for food and gasoline. That ran at $8,400 for 2009 and would be our second largest category.

using an 8.5% withdrawal rate until SS kicks in
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Old 12-16-2009, 04:11 AM   #83
Full time employment: Posting here.
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1- Food
2- Utilities

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Old 12-16-2009, 04:56 PM   #84
Thinks s/he gets paid by the post
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Posts: 1,304
1) mortgage
2) property taxes
We have paid off the mortgage
1) property taxes
2) medical insurance and bills
Life is GREAT!
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Old 12-17-2009, 09:35 PM   #85
Thinks s/he gets paid by the post
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Originally Posted by albundyz View Post
ok, I guess I have a distorted view of what a "spending category" is. Doesn't anyone have a category for "spending money"? Actually, we call this "an allowance".
I think people categorize however it makes sense to them. In my case, the kinds of transactions you talk about fall under "Misc", "Cash", or "Recreation", depending on my mood. In any case, those three categories maybe add up to 3% of my expenses.

In about 4 years, my largest category will be something like Kids:College:Tuition and it will possibly dwarf all of my other expenses. But I segregate the funding for that in separate buckets from my FIRE stash and my other expenses.

"At times the world can seem an unfriendly and sinister place, but believe us when we say there is much more good in it than bad. All you have to do is look hard enough, and what might seem to be a series of unfortunate events, may in fact be the first steps of a journey." Violet Baudelaire.
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Old 12-22-2009, 10:07 AM   #86
Dryer sheet wannabe
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In order:

Federal income tax
Charitable donations
Social security tax

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