How much of the money pie does things take up?
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  1. #1
    Registered User imagine's Avatar
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    Question How much of the money pie does things take up?

    I am curious on how your different categories line up.

    Here is mine from greatest to least

    Debt repayment
    Groceries
    Mortgage
    Utilities (electric, gas, water trash) *
    phones
    cable
    insurances (life and car)
    gasoline
    the rest of life

    * in really harsh weather utilities can switch with mortgage
    "Everyday as your walking down the street, everybody that you meet has an original point of view" -Arthur PBS

    Imagine - Wife of 20 years to Hubby
    Mom to Buddy (son 17) and Little Miss ( daughter 13)

  2. #2
    Moderator monkeywrangler71's Avatar
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    Savings
    Miscellaneous spending
    Food
    Mortgage
    Gas
    Utilities


    ETA: I'm just going to clarify "miscellaneous" just in case you all are thinking I'm a shopaholic. That's all the regular 'life' stuff plus the random big expenses that seem to come up every month - car repairs, house renovations, dental work, etc.
    Last edited by monkeywrangler71; 06-09-2011 at 12:35 PM.

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    Registered User MomToTwoBoys's Avatar
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    Greatest to least?

    Mortgage
    Groceries
    Utilities
    Property Tax
    Cell Phone Bill
    Cable/Internet Bill
    Savings
    House Insurance
    Mortgage Protection Insurance
    Automotive Insurance
    Bus Fees

  4. #4
    Registered User Mom2-3's Avatar
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    Default

    Mortgage
    Groceries
    Auto Gas
    Utilities
    Cell phones
    Auto insurance
    Cable/Internet/Netflix

  5. #5
    Registered User pollypurebred39's Avatar
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    Default

    Debt repayment
    Mortgage
    Utilities (oil, electric, trash)
    Food
    Car gasoline
    Insurances (Life & Car. Home is included in the mortgage)
    Internet & phone (bundled)

    Other then that I'd say emergency car repairs, emergency (like DH has to fix a broken pipe or a gutter because they are causing water to pour into the basement) house repairs and things like car inspection, renewal of DL's, etc. The kinds of things that must be done.

    Everything else like presents for the boys or anyone else, clothing, shoes, housewares, pet food and vet care, HBA, any entertainment or anything else really come from my gift money from in-laws. (unless I make money doing product testing) I put it all in envelopes and use it throughout the year. DH's gift money goes for a few music CD's for church choir and the rest goes in the bank for the other bills.

  6. #6
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    Rent
    Savings
    Transportation
    Food
    Doctors
    Internet
    Cable

    That is pretty much it. Luckily transportation with be lower next month!

  7. #7
    Registered User forHISglory's Avatar
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    1. Health insurance (takes almost one third of income)
    2. Charitable giving
    3. Utilities and groceries are about tied
    4. Other insurance (house, car)
    5. Other misc.

    With no debt at all, we actually are pretty conservative spenders. We do some big projects once in a while (remodeled kitchen, bath), but these are not consistent, and we pay cash. So savings, I guess, is a category, but at this stage of life, I haven't listed it as a consistent category.
    Spiritual:
    "You are fearfully and wonderfully made." Please... respect life.

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    Debt free, hoping to stay that way!


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    1. Keep on writing.
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  8. #8
    Registered User pollypurebred39's Avatar
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    Opps! fHg reminded me, tithes come right off the first of our income. Along with charitable giving like missions.

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    Since we're debt-free, it has been roughly in this order (prior to that, debt repayment took the spot of savings):

    Savings
    Rent
    Groceries (and occasional eating out)
    Insurances (life, health, auto & disability)
    Transportation incl gas
    Phones
    Leisure (blow money)
    Utilities
    Internet

    Once I'm back home (end of month) and we don't have two rents to pay anymore, groceries and rent will be in contention for the second position. I think groceries will be slightly larger.
    And phones should move down a spot or two.
    Start date: May 20th, 2009
    Babystep 1: Emergency fund - done; 1000 EUR
    Babystep 2: Debt snowball - done; 23300 EUR (Paid off, Apr 2011).
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  10. #10
    Registered User Dancing Lotus's Avatar
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    I think it's pretty universal for groceries to be number one or two on the list.
    It sad when you think about. We spend the majority of our money on food and yet most people put no thought into where the food they buy comes from or how it's made.

    My number one is food
    Then gas for our vehicles if your just talking about monthly expenditures.

  11. #11
    Registered User imagine's Avatar
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    Quote Originally Posted by AnnK View Post
    I think it's pretty universal for groceries to be number one or two on the list.
    It sad when you think about. We spend the majority of our money on food and yet most people put no thought into where the food they buy comes from or how it's made.

    My number one is food
    Then gas for our vehicles if your just talking about monthly expenditures.
    Do you have a rent or a mortgage?
    "Everyday as your walking down the street, everybody that you meet has an original point of view" -Arthur PBS

    Imagine - Wife of 20 years to Hubby
    Mom to Buddy (son 17) and Little Miss ( daughter 13)

  12. #12
    Registered User imagine's Avatar
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    Quote Originally Posted by forHISglory View Post
    1. Health insurance (takes almost one third of income)
    2. Charitable giving
    3. Utilities and groceries are about tied
    4. Other insurance (house, car)
    5. Other misc.

    With no debt at all, we actually are pretty conservative spenders. We do some big projects once in a while (remodeled kitchen, bath), but these are not consistent, and we pay cash. So savings, I guess, is a category, but at this stage of life, I haven't listed it as a consistent category.
    I'm not sure how much our health insurance is it comes out before we get our paycheck.
    "Everyday as your walking down the street, everybody that you meet has an original point of view" -Arthur PBS

    Imagine - Wife of 20 years to Hubby
    Mom to Buddy (son 17) and Little Miss ( daughter 13)

  13. #13
    Registered User imagine's Avatar
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    Quote Originally Posted by monkeywrangler71 View Post
    Savings
    Miscellaneous spending
    Food
    Mortgage
    Gas
    Utilities


    ETA: I'm just going to clarify "miscellaneous" just in case you all are thinking I'm a shopaholic. That's all the regular 'life' stuff plus the random big expenses that seem to come up every month - car repairs, house renovations, dental work, etc.
    oh I didn't even think about the repairs and big things that come up. Like the air conditioner needing to be fixed this month. That was more than my mortgage and more than groceries. I guess I forgot to put them in my pie since those things don't come out monthly.
    "Everyday as your walking down the street, everybody that you meet has an original point of view" -Arthur PBS

    Imagine - Wife of 20 years to Hubby
    Mom to Buddy (son 17) and Little Miss ( daughter 13)

  14. #14
    Moderator nuisance26's Avatar
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    mortgage
    medical insurance and co-payments
    food
    property taxes
    family fun/vacation
    gas for cars
    car insurance
    home items/repairs/maintenance and improvements
    electric
    natural gas
    pocket money
    education expenses
    family birthdays
    phone/cells/internet
    water/sewer
    clothing
    home insurance

  15. #15
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    Wow.
    Mortgage
    2nd mortgage
    CC
    college fund
    utilities
    food
    car gas
    pets

    Maybe because i coupon but food budget is less than 25% of mortgage. I would have thought everyones mortgage/rent who wasn't living w/ a relative would be that way.
    Interesting thread.
    Question-I incl. prop. taxes,Interest,insurance and death benefit ins. in mortgage. Is that what others did?

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