astromeria said:Our health insurance has gone up about 15% a year for the past few years (group plan at my husband's employer, a state college).
My guesses as to the reasons: insurance costs are generally going up for everyone, apparently no age discrimination by the college (both my husband and our neighbor were hired in their 50s), every year state taxpayers & their representatives decide to decrease the percentage of the cost of health insurance that they pay for state employees.
Cute Fuzzy Bunny said:I can see Steve Liesman adding that to his morning cnbc inflation arguments.
"Lets not include energy, food or health care as they're just getting so expensive nobody will be able to afford them!"
The rest of the stuff is going great!
Yay!"
For me, I put it under "entertainment" (the more I drink, the more "entertaining" I become.. 8) .DanTien said:Are you tucking your wine bill under groceries?
I can see Steve Liesman adding that to his morning cnbc inflation arguments.
"Lets not include energy, food or health care as they're just getting so expensive nobody will be able to afford them!"
The rest of the stuff is going great!
Yay!"
Maddy the Turbo Beagle said:I think CT did a bunch of remodeling in his basement recently too. Cost of electrical wire has gone up more than 4% over the last few years (copper and plastic). Just about anything that is hauled has a "fuel surcharge".
REWahoo! said:Yep. Mr. Jarhead, so I've been informed, is our official ER forum "mine canary".
He's been quiet lately and it sure is nice to hear from him...especially when he's telling me I can spend more now rather than later!
Well, you've come this far without itemizing, so the additional knowledge might give you more security but not necessarily a lot more cutback options. We started tracking everything in Quicken because of my nuclear-engineering personality, not because I decided that it was a great idea.Laurence said:But if you look closer at the numbers, you see we do a terrible job itemizing. Every month is ~$3,000 on credit cards, our largest single expense, and it contains gas, groceries, meals out, booze, co-pays for Tori, most of the utilities, etc. We really need to be better about this, because part of our continuing anxiety is not knowing how much of that could be cut back in hard times. We pay the balance off every month, and get cash back, but we really need to start looking at the bills.
Jarhead* said:...even my wife (not an NBA fan), is looking forward to Shaq and Nowinzki match-up.
Nords said:Well, you've come this far without itemizing, so the additional knowledge might give you more security but not necessarily a lot more cutback options. We started tracking everything in Quicken because of my nuclear-engineering personality, not because I decided that it was a great idea.
You probably already know the broad outlines of what to cut back on. (Sorry, booze.) Every time you haul out your wallet you'll review that heuristic. Every pizza delivery or latté will make you wonder what else you'll have to cut back on. You'll be brown-bagging just about every work meal. You'll be reading the "Dollar Stretcher" newsletter and hanging out at the Simple Living discussion board. Every recurring expense will automatically be eligible for the chopping block. Every insurance bill will be scrutinized for a higher deductible. At some point you'll wonder if you should hire yourself out as a household-finances consultant to get everyone else back on track, too, while being rewarded for learning all these skills.
Your credit-card company might organize your purchases on their website. Not every CC company does this and it might still be a butt-ugly download, but you could figure out the broad categories and capture about 80% of it. Even I feel a little silly trying to properly allocate $53.95 cash back among the groceries, gas, & dining categories.
For more detail than that, you'll end up entering individual transactions. We've done over 100,000 of them, but I admit that it's not with the same zeal today than 14 years ago when we were scraping up $200 every couple weeks to DCA into mutual funds...
Hmmm, sounds like she might hold the solution to your laziness issues!Laurence said:Ugh, I'm feeling too lazy to start all that just yet.
Now that DW is staying home, we are trying to adjust to our smaller budget without pushing out retirement too far.
JohnP said:I'd say that half our %increase is due to DS "eating us out of house and home" for half 2004 and all of 2005. This leads me to the same conclusion you did that the CPI is pretty much in line with the trends of our basic expenses.
JohnP