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The ugly numbers....

November 6th, 2006 at 08:32 pm

Household GROSS ANNUAL Income = $93,000
Household NET MONTHLY Income = $5,340

Mortgage(with extra principal) 2,000
Vehicle loan (with extra payments) 500
Electricity 100
Water 20
Cell phone 25
Roth IRAs 200
Mutual Funds 50
Groceries/eating out 400
Household 300
Gas/Oil changes 200
"sinking funds for insurances, etc." 500

The balance leftover is always absorbed by DH. He knows he spends too much and is trying to compensate as he has taken up a part-time job now. Although he makes a decent salary at the full-time job and works part-time as well, he still spends on the avg. about $1,000 per month! We have yet to sign up for any phone or internet service at our new house and probably won't for a long while.

We haven't added to any credit card debt in nearly 3 years now. I started out listening to Suze Orman 10 years ago, then found Dave Ramsey about 3 years ago. I still follow their advice but am always looking elsewhere to soak up more information on how to improve our lives.

I bring my lunch to work everyday and so does DH (now). I only buy what I need but DH buys what he wants. So, it's a constant battle but we manage and get along as best we can. So, although he KNOWS he spends too much, he is trying to curb it a bit... believe me he could definitely spend a ton more and holds back a lot!

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