What do you have left after all bills are paid?
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  1. #1
    Registered User tillergirl's Avatar
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    Default What do you have left after all bills are paid?

    Hi Ladies,

    Here's a question: when all bills are paid (!) and essential groceries are bought, how much do you have left 'in the pot' for other expenses ? (gas, everything else you may need for the week)

    Just wondered, as we've been really 'squeaking' by lately, so many broken car bills etc...we don't have much left at the end of it all.

    Thanks for your inspiring posts.

    Pam in Nova Scotia

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    Registered User sunshine's Avatar
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    Other than a headache?

    Nothing! We follow Dave Ramsey's budget methods- so EVERY dollar has a name. We make a zero based budget every month. There is no money "leftover".

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    No real leftovers here either, all the extra (when there is any) goes to the mortgage but recently little things have been eating up the excess, vet bills, gas prices, etc.

    I'm still working on the newer budget though with the mortgage refinance, it just about eats up every other paycheck, sigh.

    kj

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    Master Dollar Stretcher aka TraciBob baronmom's Avatar
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    depends on the time of the month. The pay period on the 1st we have a little cushion, but on the 15th, not much. Things have been way to tight here lately.

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    Registered User Laurie in Bradenton's Avatar
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    Are you suppose to have something leftover???? Most weeks I seem to still have at least one bill that still needs to be paid. But thats the good news I used to have 3 and 4 bills leftover so I feel like I'm making some headway. Plus the balance on those I am paying are going down!

    Laurie in Bradenton

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    On paper, we should have 758.00 left after all bills are paid, and groceries bought. But, lately things have been sooo hectic, and money has went like water that I'm stressing over money. Looks like I need to really reevaluate what we are spending, and get with it.

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    Just wanted to add that we do have money automatically deducted to several different savings accounts weekly (EF, truck fund and vacation fund) and we do contribute to hubbies 401k, between that and the bills it just about eats up every last penny here.

    kj

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    Quote Originally Posted by sunshine
    Other than a headache?

    Nothing! We follow Dave Ramsey's budget methods- so EVERY dollar has a name. We make a zero based budget every month. There is no money "leftover".
    If by some chance one of makes some money not included in the budget then it goes straight to savings. This way is a lot less stressful, once the "entertainment" money is gone, it's gone. If I have a little left in my groceries I can buy a few more things at the last of the month, etc.

  10. #9
    Registered User i.m.cheap's Avatar
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    None left over here. If there is, I usually buy groceries with it. My grocery budget is the variable. Bills first, then gas in the car, then whatever is left buys food. Sometimes it is as little as $15 for the week, but most weeks it is more like $50.

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    Moderator aka AmyBob AmyBoz's Avatar
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    While I'm on maternity leave, there is nothing leftover. Once every bill is paid, we are at $0.

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    It varies. Some pays it's $150 and some it's less than $20 and that's grocery money too as I don't have money budgeted specifically that way. If we need something and we have the money, we'll get it. If we don't have the money, we find a substitute or change the menu. Lately gas has been running us $100 a month so there's not much for everything else. We're doing okay because dh has worked some side jobs and such.

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    In my budget, every dollar has a name and it balances to zero. If you are wanting to know specifically how much I put toward my EF after every bill is paid (used to be debt, of course) it averages 500/mo.

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    Registered User Early Bird's Avatar
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    Yes. If it didn't have a category, it would go into the EF.

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    Registered User frugalnana's Avatar
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    After all bills,savings, IRA contributions,christmas account, groceries and gas. I would have to say zero. The last few months the dollar has been really tugged at. With son graduating, Senior pics, prom and upcoming graduation party. I just went to the dollar store to get items that are basically cheap there. Dh was with me, I said I have $30 thats it and I have a list, so after I get whats on my list and I have something leftover and you want something you can get it. He knows I'm a tightwad, He was singing through the store, "My wifes a tightwad, and you know, clap your hands. I was laughing. He has a good heart.

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    Right now I am working Full time salary and we are paying $600 a month toward a debt (see below) so we have about $600 left a month after groceries and gas. We don't budget to the penny, although I know we could put more in savings if we did. When I cut my hours back to 25 hours per week, we will have about the same leftover as we do now. The loss in hours, and not paying $600 to debt will cancel each other out. So, I will be working 20 less hours a week and we will have the same income. Not to bad...

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