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|1627 mortgage (this includes taxes & insurance payments)
567 car & insurance
|502 utilities (180electric 50gas 100water & sewer 130phone, internet, cable 40 cell phone)|
|150 tuition for ds2 preschool (not paid in June/July but we put that 150 in the summer towards extra debt payments)|
Leila, mama to Eleanor (10/08) and Emmett (4/10)
Visit my blog! www.rookblog.com
3186 DH's net Make sure to double check his withholding- ths could free up a couple hundred a month.
300-600 DH's net bonus (varies on amount of work a month averages out to about 400 a month per year)I wouldn't count this into the income, it can't be counted on, and isn't a guarantee. When you get it, sock it away in savings.
= 3486 - 3786
1627 mortgage (this includes taxes & insurance payments)I am sure it's a great place, but without an increase of at least $1000/month, you just can't afford to live here. Rent a room for now and put it on the market if you can't get some modification to lower this.
567 car & insurance Good grief- it'd had better drive itself at that cost. Get an older vehicle and carry minimal insurance. We have an older van (paid cash) and carry liability insurance only on it. Yes, if I hit a deer, I have to pay to have it repaired, but full coverage was about $100/month more. I can save that money and come out ahead even when I do have to pay for denting the front end on a deer.
502 utilities (180electric 50gas 100water & sewer 130phone, internet, cable 40 cell phone)The electric seems high to me, but I pay $160 in a very energy inefficient house in a very heating/cooling intensive climate. Most folks around here pay well under $100/month. Have you really cut back all you can here?
300 groceries I pay more than this for food for a family of five. I applaud your ability to make this work somehow!
75 household (pet foods, baby needs, prescriptions) Check on medical coverage for the kids through the state. I also have pets, and for us, rehoming them isn't an option- so we make sure to shop sales for pet foods. Baby needs? Like what? I have a 2 year old and a nine month old, I know I don't spend that much a month on them combined.
130 to CC debt (minimum payments on 2 cards)Have you called to ask for a reduction in rate?
50 to medical debt from my surgery(we have to pay or we go into collections)Write a certified letter stating that you are currently unable to pay this. Also call and ask for a reduction, offer them $5 a month for now.
16 life insurance for me
70 Gas for my car (basically 1.5 fill ups a month)$70 in gas is over 20 gallons a month. Is there a need to drive so much? I aim for less than $50 a month and I drive an older vehicle with passable mileage (minivan) and have to commute to town 40 miles away for grocery shopping a couple/few times a month.
150 tuition for ds2 preschool (not paid in June/July but we put that 150 in the summer towards extra debt payments)This seems to me an unnecessary expense. However, I choose to homeschool, and am happy to do other things for the kids' to have social interaction.
Anytime we get extra on a bonus a month it will typically go towards extra debt payments (we racked it up when he got laid off) or towards the next months needs or even extra groceries and gas for the just in case something happens. We don't get to eat out but sometimes once a month when we get that little bit extra just because we NEED that one thing to perk us up when everything is crashing down around us.
We have NO savings (lost it when he lost his job)...our checking account is almost always hovering over near empty...and we have nothing to show for retirement.
So there we go. I feel we are scraping the barrel...we have tried to cut back our utilities and that is how we got to where we are at. I need the cell for work and it is the cheapest we could get and we're only month to month on it as it is. We have the internet for dh for work, me for work & school (well when I could go and we had the money for it ). Umm what else is there? We have to pay the minimums at least on that debt but there is so much more that like I said any extra we get goes to those because we're in collections all over the place for different doctors.
In the town we live in we have to have a car and we only have the one car...we had to sell the other....plus walking isn't an option with three kids in my state..I am 2 years post op from spinal fusion and just had a baby...I'm still working on regaining my abdominal strength in order to even walk enough to grocery shop...having 3 kids isn't easy to ride share with others because they're all in car seats.
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