here's mine; how's your shaping up?

I just noticed with dh's reduction in pay scale, it puts our mortgage at almost 40% of our income. That stinks. Dh is still looking for a better paying job while working his new one. It's still more than unemployment, although that pay cut does hurt.

Here's mine (may have to add to it if I forgot anything)

mortgage--$760(1st and 2nd)

car--          $331.30

phone        $140

garbage     $36/2 months

recycling     $6

tv               $ 90

electric       $200

c.cards(2)   $50 on one, $56 on the other

tickets for kids  $80

$ for dh $40

gas-     $ 100

groceries  ?

debt-  $200

taxes $200.

total $2294.30

total income for month- $2400

Anne

 Nice to know someone else is paying a lot for electric. Mine was $300 last month. Cant get it any lower for teh winter. Grrrrr Babs

Work Expenses

•      $1,200- Fuel
•      $313.32-Truck note
•      $130-   Insurance

Household Expenses

•     $14- Financial fees
  
•     $1,500- rent
  
•     $450- Food and supplies
•     $245- gas and electric
•     $65- water
•     $110- phone, long distance and DSL
•     $25- Debt, this is the minimum I have to pay
•     $89- Entertainment, TV, subscriptions

$4,141

The fuel cost should go down but I am not sure what the figure will be. I also am estimating other costs as we will be in the new house and I don't know what the exact figures will be.

Hi

 Well I never posted here befor but I was doing my paperwork and started to count all the expenses we make. After I finished I was wondered that my calculations by head wore pretty much the same as when I wrote them all down.

 So here mine come. At the end I will transfer the amount into Dollars as my calculation go in Euros. This is my calculation for March:

Healthcare                        240,00

Insurances                        100,00

Mortgage                           340,00

Elect/gas/water                  250,00

prop. tax                              85,00

tv/phone, cellphones, intern  150,00

cartax                                 100,00

fuel                                      250,00

food/supplies                       500,00

entertainment                      100,00

 Total amount in Euros      2115

 Makes in US Dollars about 3.160,00( rate one Euro costs 1.47 Dollar)

Our income is about 5.200 Dollars a month. At the moment we are spending most of this on completly redoing our garden and house.

 Income:         3,340.00

Mortgage:        935 (that's with 10.00 extra month)

Electric/gas:    170

TV/phone/net:  100

Auto loan:        160

Insurance:        253

Medical:           150

Student loans    110 (mine and DH together) 

Hague:             95

CC#1               75 (with 25 extra)

CC# 2               25

CC# 3               15

Optometrist        25

Dentist              25

Petrol               120

Groceries          250

school                50 

Total                782.00 Surplus (this will be used to fix DH's car,and maybe pay off the optometrist)  

First time on this thread but here goes:

Mortgage:    1285  (includes principle, interest, property taxes for town and village, and school)

Car:               341 (will be paid off in September at this rate)

Elec/Gas:       370 (on a budget plan)

Cable/Inter/ph 163

Cells for 5       163 ( we still foot the bill for the children's cell phones, especially since two are in college)

Food/gas/etc. 1200 (divided by 3 - 400 each for food, gasoline, and miscellaneous/cash like daily expenses, clothes, presents, toiletries, minor repairs)

Card Debt:       500

savings:          760  (for prop taxes for second home/car and house, etc insur/water and sewage AND house repairs)

Total: 4782

Income: around 4782 (some income is from own business outside of salaried work so it can go high or disappear)

Any extra income goes to: 200 extra on mortgage, 200 to future car fund, all other extra to pay card debt. We also have 15 percent off top of husband's income going to 401K plus some extra for catch up. I fully fund an IRA each year. Also I tend to send my college students spending money every couple months when I make more than expected. We really need to get the debt paid off quickly to bring our budget back into a more manageable one, one that isn't so  tight.

Dear Dutch Treat, I'm glad to see you posting again.  Just this mornign, I was wondering what had happened to you -- I guess I was just on the wrong threads!

Yours in Him, Deb

 I feel happy with how I've cut mine down- here is January to March

January budget                                         Savings                                                                           March budget

church                      $100                                 0                                                                                  $100
mortgage and
home equity loan $1859                                $100                                                                             $1759
heat and
appliance coverage $193                             $26                                                                              $167

elec $107                                                        $0                                                                                   $107

garbage $22                                                   $0                                                                                   $22

water/sewer $45                                             $0                                                                                 $45

phone $50                                                       $5                                                                                $45

cell, 2 $20                                                        $0                                                                                 $20

gas $400                                                        $50                                                                              $350
Graham,
misc. $ $50                                                    $0                                                                                   $50

credit cards $649                                       $149                                                                             $500
grocery and
diapers $440                                              $165                                                                              $275
car and life
insurance $145                                           $22                                                                               $123

internet/cabl $61                                         $0                                                                                  $61
med insurance
and copays $650                                    $550                                                                                   $100

totals $4,791                                           $1067                                                                                 $3,724

So, things are better. The best thing for us was getting state health insurance to help us out. We tested it the second day, went and got three prescriptions for Graham at Walmart. What would have been $70 last month was $13! $9, $3, and $1!
I canceled my life insurance, the appliance coverage with the gas company, we have cut down on driving, long distance, I used a balance transfer offer, and went from 6 credit cards to four, lowering the minimums by $150. I've been paying down the home equity loan enough that the interest only payment dropped from $500 to $400. While Graham had the severance pay I stocked the pantry and found one free food source, a once a month Saturday pickup in a neighboring town. I went a few times, now Graham and I both go to get bread, produce, and a variety of other food products. I'm not confident I can stay under $300 for food every month, but I think I can for a few months. Our budget is still too high for our income, but with the tax refund coming soon and Graham had a free lance job last month proofreading, we are getting by.