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Our Budget
Take Home Pay...3,300
Mortgage...684
Electric...63
Gas...100
Water...75 (this months bill for 2 months)
Phone...150
Internet...41 (we don't have cable)
Groceries...200
Gas...125
Medications...10
Doctor Bills...60
Auto Ins...191 (2 vehicles)
Pocket Money...50
Pet Supplies...120 (2 big dogs)
Car Payment...462 (payoff is 28,515)
CC 1...279 (67 left for next month and it will be closed)
CC 2...15 (467 remaining)
CC 3...105 (3,216 remaining)
CC 4...52 (5,300 remaining)
CC 5...120 (6,000 remaining)
Loan 1...298 (11,500 remaining)
Loan 2...100 (0% loan from parents for repairs to our house, appx 7-8,000)
These all total to $3,300 and are of course estimates. Like I said in my previous post, we are doing the FPU dumping debt but the class we are in doesn't have much feedback within the group so I'm posting here to see what you think. TIA!
Re: Our Budget
I don't know FPU - Are you "snowballing" your CC/loan payments? If so, it looks like you'll have CCs 1 and 2 paid off by the month a
"You know you're in love when you don't want to fall asleep because reality is finally better than your dreams." - Dr. SeussEverything I say, I say as a future FPU coordinator, and I'm not afraid to say it how it is.
My gosh, what you owe on your car is 72% of your take home pay! Though your car payment is affordable, that's insane. If I were you, I would get rid of
It looks good to me if you're capable of sticking to those numbers. Your mortgage payment is very low, which is great, but the car payment is quite high based on your income. $200/mo for groceries seems low to me if it includes paper produc
@MrNibbles
You past has caught up with you and now it is time to make serious changes. Your car is rediculous for your current financial situation and this much debt!
Sell it and buy something used that is more economical and finance no longer than 3 years
Honestly, it looks like you're stretched pretty thin and probably need to take a hard look at cutting expenses anywhere you can. For at least a couple of months, you should track every single expense by keeping a spreadsheet or using a site like mint.c
Thanks for everyone's input. The one big thing, like I mentioned in my PP is our car payment. That's really the big expense at this point. As for our phone bill, our contract is up on 4/19, this month, and we plan to cut down to about
Thanks for posting.
I would echo the PPs about reducing that car payment either by selling the current vehicle and buying a cheaper one or by refinancing (as long as you do not add any time back to the loan) your existing auto loan for a lower ra
Here are a few suggestions if you want to really buckle down and get things paid off.
1. Put your cell phones down to calling plans only, no data.
2. Start buying cheaper dog food for your dogs. $120 seems like quite a bit each month in pet ex
TTC since 1/13 DX:PCOS 5/13 (long, anovulatory cycles)
Clomid 50mg 9/13 = BFP! EDD 6/7/14 M/C 5w6d Found 11/4/13
1/14 PCOS / Gluten Free Diet to hopefully regulate my system.
Chemical Pregnancy 03/14
Surprise BFP 6/14, Beta #1: 126 Beta #2: 340 Stick baby, stick! EDD 2/17/15
Riley Elaine born 2/16/15
TTC 2.0 6/15
Chemical Pregnancy 9/15
Chemical Pregnancy 6/16
BFP 9/16 EDD 6/3/17
Beta #1: 145 Beta #2: 376 Beta #3: 2,225 Beta #4: 4,548
www.5yearstonever.blogspot.com
No response the recommendation to sell that car and get something else??
My guess is that you are upside down on new vehicle because you rolled debt into the purchase when you got rid of your old upside down vehicle. (Which we recomm
Infertility stinks and ivf is hard.
Consider taking this next year to ay down your debt and get healthier. A healthy mommy makes healthier children.
Lightly I add that there are risks to being obese and pregnant and your Bmi is almos
TTC since 1/13 DX:PCOS 5/13 (long, anovulatory cycles)
Clomid 50mg 9/13 = BFP! EDD 6/7/14 M/C 5w6d Found 11/4/13
1/14 PCOS / Gluten Free Diet to hopefully regulate my system.
Chemical Pregnancy 03/14
Surprise BFP 6/14, Beta #1: 126 Beta #2: 340 Stick baby, stick! EDD 2/17/15
Riley Elaine born 2/16/15
TTC 2.0 6/15
Chemical Pregnancy 9/15
Chemical Pregnancy 6/16
BFP 9/16 EDD 6/3/17
Beta #1: 145 Beta #2: 376 Beta #3: 2,225 Beta #4: 4,548
www.5yearstonever.blogspot.com