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Old 08-03-2017, 01:21 PM   #41
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I am super new at this. I'm trying to figure out what the little stars mean.
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Old 08-03-2017, 01:24 PM   #42
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I get the spreadsheet thing. I've read Mr. Money Moustache and a couple of other blogs but never joined in. This is the first. It seems safe and it was dumb to ask for a spreadsheet. Some people post them, but I never believe them.
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Old 08-03-2017, 01:24 PM   #43
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Originally Posted by Rianne View Post
I am super new at this. I'm trying to figure out what the little stars mean.
The more posts you have the more stars you have. Not really a big deal.
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Old 08-03-2017, 01:25 PM   #44
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Well, hello Rianne! Hopefully we didn't scare you off too much. A few of us on the bridge here were calling out "orange alert, shields up!" We've had some bots (computer programs) trolling us lately, so pardon the nerves.
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Old 08-03-2017, 01:28 PM   #45
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What are your expenses now? You seem to be a troll unless you provide it.
No, I'm just dumb about blogging, learning.
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Old 08-03-2017, 01:30 PM   #46
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Well, hello Rianne! Hopefully we didn't scare you off too much. A few of us on the bridge here were calling out "orange alert, shields up!" We've had some bots (computer programs) trolling us lately, so pardon the nerves.
No problem, my first money blog ever! Actually, I read blogs but don't join in.
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Old 08-03-2017, 01:30 PM   #47
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My wife and I equally contribute $1,250 per month for our joint fixed expenses. Out of that, I escrow our Auto & Home Ins, and Property Tax. The $1,250 a month does include our tithing, HOA fees, Household fixed costs, joint meals & groceries, joint house purchases, gifts, and an occasional weekend trip.

Outside of my half of the $2,500, I would estimate that I have personal discretionary expenses of $75 week which on average includes lunches, gas, RX costs & copays, etc.

I used to focus all of my energies on being frugal. Nowadays, I just recognize that I have enough - and that if I want something pretty badly - it is okay to get it.
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Old 08-03-2017, 01:46 PM   #48
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DH and I require about $4,900 per month net to live comfortably on.

This amount includes everything from medical, to taxes and insurance, food, energy etc.

We could cut costs by about a 1/3 if we needed to.
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Old 08-03-2017, 01:48 PM   #49
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My wife and I equally contribute $1,250 per month for our joint fixed expenses. Out of that, I escrow our Auto & Home Ins, and Property Tax. The $1,250 a month does include our tithing, HOA fees, Household fixed costs, joint meals & groceries, joint house purchases, gifts, and an occasional weekend trip.

Outside of my half of the $2,500, I would estimate that I have personal discretionary expenses of $75 week which on average includes lunches, gas, RX costs & copays, etc.

I used to focus all of my energies on being frugal. Nowadays, I just recognize that I have enough - and that if I want something pretty badly - it is okay to get it.
Yes, I run to the computer and add up expenses every week or so. Have done that for about 3 years now. Getting tired of it and you are right. I should wait till the end of the month and shock myself. We all have our OCD in one way or another. Kidding, good advice, I should quit being so frugal.
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Old 08-03-2017, 01:59 PM   #50
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No, I'm just dumb about blogging, learning.
FWIW, E-R.org isn't a blog, it's a discussion forum. Here is how they differ:

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Blogs are AUTHOR centred.

- posts are made by the blog's author only (may be a group)
- posts are usually opinion pieces and written in the authors voice
- readers can add comments to the author's post
- organised in reverse chronological order so the most recent posts show on the - entry page
- reflect the authors identity in the tone, look and feel and content
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Discussion Forums are TOPIC centred.

- discussions are organised into topics by 'threads'
- anyone in the community can start a thread on a topic
- all participants have an equal voice
- posts require someone to reply for a discussion to take place
- you can follow through a thread on a particular topic
Differences between Discussion Boards, Blogs and Wikis | MyUni
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Old 08-03-2017, 02:01 PM   #51
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I get the spreadsheet thing. I've read Mr. Money Moustache and a couple of other blogs but never joined in. This is the first. It seems safe and it was dumb to ask for a spreadsheet. Some people post them, but I never believe them.
A few years ago there were threads on "how much did I spend in 201x?" generally in early January. Many posted spreadsheets with their expenses for the year - those who spent the least seemed most interested in posting. But I have not seen much of this lately. You may want to dig around and find those old threads.
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Old 08-03-2017, 02:25 PM   #52
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Here is a picture of part of my spreadsheet:
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File Type: png Budget.png (9.0 KB, 114 views)
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Old 08-03-2017, 03:04 PM   #53
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Here is a picture of part of my spreadsheet:


Using these same categories here is mine. I would say we could get down to 3800 a month downsizing but that is only talk right now.

Prop taxes. 570
Insurance 240
Elec/gas. 150
Cell/ooma 30
Fed tax 930
Healthcare 930
Water/sewer. 60
Internet. 50
Life ins. 80
Food,gas,misc. 1400

Total 4,440

Our big ticket budget is 2,170 per month (travel, emergency repairs, etc). We could easily cut out if needed.

Very depressing that taxes and healthcare eat up 54% of our essentials budget.
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Old 08-03-2017, 03:10 PM   #54
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Welcome to the forum, Rianne. I still ain't posting my spreadsheet. Only this time, it's not because I don't trust you. This time, it's because I'm too lazy.
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Old 08-03-2017, 03:13 PM   #55
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I get the spreadsheet thing. I've read Mr. Money Moustache and a couple of other blogs but never joined in. This is the first. It seems safe and it was dumb to ask for a spreadsheet. Some people post them, but I never believe them.
I read some MR money Mustache posts, I stopped when I read some of them dont shower regularly to save on hot water. Thats not my style.
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Old 08-03-2017, 03:16 PM   #56
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WOW...$50/month medical/dental/umbrella insurance/spending

We spend $1,600/ month on health insurance. How is it possible that you guys spend so little on it?
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Old 08-03-2017, 03:29 PM   #57
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WOW...$50/month medical/dental/umbrella insurance/spending



We spend $1,600/ month on health insurance. How is it possible that you guys spend so little on it?


This is the cost as it stands now using ACA insurance and being healthy. Obviously this can change at any moment. Income is low for this purpose by using Roth contributions and/or the proceeds from sale of home.
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Old 08-03-2017, 04:27 PM   #58
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OK, I'll play. Here are my monthly expenses based on an average of the last six months.

I have made two adjustments, you can decide if they are fair or not:

1. I am excluding the cost of private school tuition and fees for my two younger children. It is something that is important to me but is obviously a want, not a need.

2. I am also excluding the cost of child support for my two younger children.

The remaining expenses total $1,896.12 per month, and that is to support me, my three kids, and one cat in a LCOL area. I do have some seasonal variance where December is a higher cost month due to property taxes and Christmas gifts.

If you want any explanations as to how I spend "so little" (it feels average to me, but what do I know?), I'm happy to discuss any category in depth.
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Old 08-03-2017, 04:32 PM   #59
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WOW...$50/month medical/dental/umbrella insurance/spending

We spend $1,600/ month on health insurance. How is it possible that you guys spend so little on it?
I retired with full medical for me and the bride. It dies with me. we have a 4000 a year out of pocket, the deductibles creep up every few years. Never hit the 4k yet, but its a line item in the imaginary budget.
Update, I do spent 4 k a tooth some years for implants . but thats cosmetic they dont cover dental implants, they will pay for bridges etc. I dont want them, so I pay.
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Old 08-03-2017, 04:39 PM   #60
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Welcome, Rianne!

Here is a link to a post where I listed my spending for 2016, by category. I am spending a lot more than I did before my 2009 retirement, because of some good luck that has resulted in more to spend than I expected.

http://www.early-retirement.org/foru...ml#post1817863

I did not list my medical expenses because I am on Medicare and have some very low cost insurance as well. I think those planning for retirement need to make their best estimate of what medical insurance will cost in their individual situation.
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