EastWest Gal
Thinks s/he gets paid by the post
Most of our spending is put on credit cards, except for some direct bill pays from the checking account, such as utility bills. Our spending ends up being very lumpy, so it is hard to say what is a budget. Under "normal" circumstances, it's probably $7-8000/month. but given replacing two cars in two years, one paid for in cash, and a kitchen remodel scheduled for 2025, and variations in travel, monthly budgeting becomes not worth the time and effort. We play for LTC insurance annually, and auto insurance semi-annually. I think with all the added expenses as mentioned, we probably spend an average of $10K/month.