ivinsfan
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
- Joined
- Feb 19, 2007
- Messages
- 9,969
So I started my homework lol and this is what I have so far. These are my recurring bills every month, which I got from my cc statements averaged over the past nine months (I moved into my own place in January).
Take home pay is $4,400/month
Mortgage $1450.00
(Includes insurance and about $50/month extra towards principal)
Water $27
Gas and Electric $103
Food, Gas, Prescriptions $323 (these were lumped together in my statement)
HOA $53
Sewer $31
0% Loan $150
Cable/Internet $112
Netflix $11.65
Barnes&Noble $15
PetSmart $40
Gym $80
Total is $2,396
So I have $2,000/month for everything else. I know there are things not included like hair cuts, vet bills, gifts and other essentials, but I can't get an accurate breakdown this year since I've been in transition. I've already started to be much more careful with my spending and will start detailed tracking in January. I just think it will be easier for me that way.
Someone, (or two or three) suggested a Roth IRA this year, which I think I will do. It will be tough since I don't have a lot of cash!
where are your vehicles expenses? start a separate line for car expenses. cell phone expenses? Zero expenses for dentist or OOP for health care. Have you look to see if the things you buy at Pet Smart can be gotten elsewhere for less money. How soon will that loan be gone.