Total budgeted income for 2012 unless dh gets disability....will be
27,670
monthly payments
mortgage is 450.00, it is 442.00 however i will be paying 450.00 as it is easier that way....
internet is 40.00 a month
electricity is 180.00 a month
phone (we have net10 phones so trying to figure out a cheap way for this....) i am going to budget 70.00 a month for this because we have four phones....
wood for heating 50.00 a month
satellite television is 36.00 a month
car insurance is 88.00 a month and will be going up as sixteen year old son will be added...
400 a month in gas because i drive 2 hours a day one hour there and back for work...
300 for groceries
giving me a total of 19264 a year towards bills...but my income is 27,670 which means i have $10,000 that is not accounted for...something is definitely wrong as I never have enough money...so i figure if i write this down and come back weekly and write down what was spent and what came in it might give me an idea on where it is going!
I do have student loans that are in deferment right now because i can't afford to pay them...I am behind on my light bill and house payment to the point that i need to do this. Next month is going to be a hard one because i need to get back on track so nothing is going to go out unless i write it down and it must be a necessity...
27,670
monthly payments
mortgage is 450.00, it is 442.00 however i will be paying 450.00 as it is easier that way....
internet is 40.00 a month
electricity is 180.00 a month
phone (we have net10 phones so trying to figure out a cheap way for this....) i am going to budget 70.00 a month for this because we have four phones....
wood for heating 50.00 a month
satellite television is 36.00 a month
car insurance is 88.00 a month and will be going up as sixteen year old son will be added...
400 a month in gas because i drive 2 hours a day one hour there and back for work...
300 for groceries
giving me a total of 19264 a year towards bills...but my income is 27,670 which means i have $10,000 that is not accounted for...something is definitely wrong as I never have enough money...so i figure if i write this down and come back weekly and write down what was spent and what came in it might give me an idea on where it is going!
I do have student loans that are in deferment right now because i can't afford to pay them...I am behind on my light bill and house payment to the point that i need to do this. Next month is going to be a hard one because i need to get back on track so nothing is going to go out unless i write it down and it must be a necessity...