What do you really pay?

[Nana2two]

I was thinking of all the people that struggle and keep getting deeper. So i sat down and wrote what i pay every month.

Mortgage $505.00 =$70,000 left 1/3 tax write off
tax.ins $138.00
food $350.00
Internet $39.00 1/3 tax write off
Phone $44.00 (buisness)
cell bill $127.00 hubby on the road lot 1/3 tax write off
Cilco $260.00 for winter.summer 180 1/3 tax write off
water $107.00 1/3 tax write off
gas for car $220.00 1/3

Emergency fund $600.00 right now work is backing back p slowley.

[lottaLove]

Rent - 680/month
Hydro - 70/month
Food - 400/month
Bus - 76/month
Debt payments - 380/month
Telephone + Internet + TV - 95/month

Its nice seeing all the bills in a small compact list like that.

[jas]

Mortgage $1213.00 (includes taxes and insurance)
power $200.00 (on budget billing)
water $85.00
gas $40.00
brighthouse$165.00 (cable, phone, internet)
total-------$1703.00 to run house

food $400.00 (family of four)
car $254.00
debt $250.00

There are other bills health ins, auto savings, but this is the jist of things

[justpeachy92]

-Rent $1300
-electric varies between $160 and $240 (all electric 3000+ sq. ft house)
-house water $80
-irrigation line is $20 every 6 months
-phone, internet and tv service is $160 a month
-cell phone is $90 for 3 phones on a shared family plan
-insurance(auto and renters) $60 that will be going up as my oldest will be getting her lisence shortly
-food for 6 people and 2 pets $500
-personal care and nonfood items is $100
-prescription meds is $130

[mnmarty03]

Rent - 575 (incl. all utilities)
Phone + Internet - $60
Cell Phones - $125
Student Loans - $270
Debt - $165
Netflix - $18
Truck Payment - $422

Total = 1635

Sadly... my husband lost his job recently, and my income barely covers the above, not to mention food, gas, and insurance. We're okay for a few months still due to savings we have, and we are readjusting some of our bills --> but hopefully he'll get a job (any job) soon!

[slimslady1987]

479 Rent
40 Electric
102 Cable/Internet
100 Gas for car
150 Food


871 Total

It doesn't seem like much but I am a fulltime student and a fulltime daycare teacher who doesn't get paid that much plus I have some additional debts I have not started paying

[Dancing Lotus]

Mortgage 950.00 ( includes taxes and insurance )
Power 140.
water 25
brighthouse 150. (phone, net and cable )
food 400. (includes pet food and none edible things like soap )
Gas for two cars 300. ( it's only so high because Dh drives to Orlando three days a week)

----------------------------
car insurance is bi monthly, not sure what it is even. DH pays it.

That's it. Wow when I look at it like that it doesn't look like much does it?

[sunshine]

My list is too long to post. . . . here's briefly what most everyone else is posting though.

mortgage $580
taxes, insurance on house $200
gas/oil/license/insurance for cars (we have no car payment) $300 for 3 cars
electric $150 in the winter $120 in the summer
propane $300 in the winter $20 in the summer
water $30
phone $150 (includes internet, etc. - everywhere is long distance)
food $260

[SixxOfDiamonds]

Mortgage - $950
Electric - $150
Water - $25
Trash/Recycle - $25
Internet/Landline - $55
Satellite - $55
Cell Phone - $180
Vehicle Insurance - $100
Car Payment - $300
Vehicle Gas - $300
Food/Grocery/Supplies - $400
Horse Board - $400
Pet "Extras" - $100

Each listed is all inclusive.

[sinopa27]

Mortgage $608
car $606
lights $91
satellite $65
cellphone $180
car insurance $145
gas $300
food/supplies $300
phone/internet $85
student loan $ 150
$2530 (not including debt from my signature)
WONDER WHY I AM BROKE!!

[chevy_chick95]

Rent 415
power 80
gas 20
car 367
insurance 110
gas 100
food 80
mail 10
phone 100

seems like so little... Why does it seem so hard to pay each month lol

[Mom2-3]

WOW!! I'm loving some of your mortgage and rent payments!!

Mortgage -2400
Car-320
Utilites-240
Insurances-105
Phone/net-50
Cells-120
Netflix-10
Cable-20

Those are the only fixed payments monthly.

[TheRootedNomad]

$800 morg
$200 gas and elect (I do my own budget billing)
$100 car insur. (I do my own budget billing)
$100 phones
$100 cable/internet
$60 water
$30 trash
$12 Sunday paper
$20 pest control company (This seems like an odd monthly bill but hubby is in and out of people's houses all day long and I have a HUGE phobia of raoaches. I am terrified he will bring them home. Luckily we've never used them for that but they have come in handy for the teleporting ants, the swarms of boxbugs out back, and the rats that attempted to take over the neighborhood when they built the new development about a half a mile away.)

The numbers are rounded up. I am always under $600 for the monthly bills and over the $800 morg. payment. (not counting pre-tax medical)

It use to be we were really good with all the other "stuff" in the budget. You know all those flexible lines. That's where we have been struggling this past year. I'm looking to do a better job on those in the coming year.

[Lora88]

I have no mortgage but property taxes and hoa fees 7500.00 a year

gas 100.00

electric 200

cable internet phone 190.00

water and sewer taxes 40.00

cell phone 55.00

car ins 2 cars 1500.00

no car payments son pays his own car insurance

food 600.00 includes both dogs and any eating out

house ins 50.00 a month

the one that bugs me the most Health insurance 152.50 a week
thatis for me and ds 20 in college dh is paid by his employer this is thru dh work and is not pretax dollars as the company is too small to qualify for that I hate this payment more than any other

[Neeley]

The first $1500 goes to DH's employer for 401K, medical flex account and deposit into our savings account.

Mortgage: $1000 (this includes $1200/year for insurance and $400/year taxes - I love our low property taxes!!!)

Power: $385

Cable/Phone/Internet: $120

Water/Sewage/Trash: $75-$150 - We water the grass and top off the pool from March to September so it's higher those months.

DS's school tuition: $590 (for 10 months (July to April and a $1200 registration fee every June)

Groceries: $800

Car insurance: $195 (it's paid in four monthly installments then you get two months off)

Kids' sports and all costs involved: $250 on average

Medical insurance/Cancer policies/Long term and short term disability policies: $250

YMCA/Gym membership:$46

Prescription medicines: $1800 - but we get it all back from insurance and our medical flex account

DD's lunch money: $40