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Feb Zero Dollar Budget

February 9th, 2013 at 05:43 pm

Income:

Hubby's Job (after tax): $5271
Hubby's Hobby Income: $550*
My PT-WFH Job: $670*
Hubby's Bonus (after tax): $5104
(*subject to change, though usually for the better!)

Total Monthly Income: $11598 (umm...holy crap!)

Expenses:

Non-Fixed Expenses:
Groceries: $861
Gasoline: $188
Misc: $500
Entertainment: $250
Gifts: $10 (Valentine's Day Treat!)

Fixed Expenses:
Mortgage/Insurance: $1509
Student Loan: $619
Utilities (water/sewer, gas, electric, etc): $349
Services (phone, computer backup, garbage, cable*, etc.): $285
(*reimbursed through hubby's company)
Leftover Leaf Cleanup Bill: $150*
(*he still has not billed us and I'm not calling again. This is his last chance.)
Auto Insurance: $73
Credit Cards (minimum payments): $299
Auto Loan: $198
Early Childhood Program (spring session fee): $120

Total Expenses: $5525

Difference (to be applied towards credit cards): $6073 (woo hoo!)


Still need to do an accounting for how we did in Jan but I think I'm out of time this morning so it looks like it will have to wait again.

2 Responses to “Feb Zero Dollar Budget”

  1. snafu Says:
    1360443948

    Great having $6K to apply to debt, have you worked out allocation? You've mentioned your tendency to plan ahead so planing allocations in advance may be a challenge you'd enjoy. Will DH's employer's HR look after changes needed for DH's [tax] deductions to improve take-home? Are your utilities and services average for your community?

    I was surprised to see groceries over $800. for two adults and two toddlers. Would you consider any changes that brings that down?

  2. Jerry Says:
    1362179319

    Do you pay that insurance monthly, or is it managed on a quarterly or semiannual basis? And I also wonder about the grocery bill, that would seem to be something that could be lead downward without too much of a struggle, if you desired.
    Jerry

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