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708 Posts
total budget is $1632 take home pay....occassionally there will be some extra as dh does a few things on the side but i wouln't dare budget anymore than $50 a month....some months are better but some months there isn't anything...we do receive help with food which is $414 a month...we also have medical...dh is not able to work due to health issues but has not filled out paperwork for disability...i think its a pride thing and one of us no matter what has to be home just in case my daughter is home sick or needs to come home from school...she has a medical condition...
$472 house payment
$374 for electricity..this includes heat....
$40 for internet(i cannot or will not let this go as this is my sanity after a long days work..)
41.19 satellite...which after this month is done is going away...we use netflix...for 8.99 and can stream... so 41.19 will be gone
$80 car insurance
$170 Student loan...this is in forbearance but have to start making payments soon...
$300 a month gas for me... I travel over 100 miles a day for work...and then if the kids need to stay after school etc...
$120 for dh's truck etc for gas....if daughter has to come home from school (medical issues). ....
phone....dh is roughly $30 a month, its a cell but we need it in case the school needs to get a whole of her... I have a cell phone but it is through safeline and is free....we have already cut out the land line...
I know that seriously it can be done but there is going to have to be some sacrifices and i personally am good at that and the kids well they live under my roof so they will deal with it...however dh is not good at sacrificing and i need some "nice ways" to discuss this with him...
We are receiving a huge income tax return and this is going to be my saving grace....roughly $5800 not sure why... guessing cause i am the only income earner and must have received a huge earned income credit...it is set to be deposited on the 28th of January....
I have not set aside anything for pet food...
two cats and two dogs...one dog eats all the stinkin time and has health issues which causes us to have to take her to the vet roughly 2-3 times a year which cost us roughly $130 a time...The other three are very healthy and only have to have rabies shots etc..however should have an animal fund just in case..
The german shephard is the dog that cost us lots of money and in reality i should let her go to another home however she deals with anxiety and is extremely attached to my son...and we call her our basket case and i know that if i give her away she will lose her mind completely...(she is naughty when we are not home...she has learned to open the door to the house and escape..so we have to make sure the door is locked...she has learned to open the fridge when we are not there and makes a huge mess...if there is flour on the sideboard she pulls it down etc...you get the picture and i am not sure that anyone else can understand her disorder and might not love her like we do...so she stays.....
I have not budgeted toiletries etc.....and i have no ef fund....so let the fun begin... looking for any help that we can get...
I have a house that i could stay in rent free until it sells...but dh is not yet willing to try and sell our home and do this so i am trying to do whatever is necessary to avoid this scenario and in reality even if we put our house on the market chances are it will not sell...
Thanks in advance...and looking for honest help..I don't get offended very easy.....
$472 house payment
$374 for electricity..this includes heat....
$40 for internet(i cannot or will not let this go as this is my sanity after a long days work..)
41.19 satellite...which after this month is done is going away...we use netflix...for 8.99 and can stream... so 41.19 will be gone
$80 car insurance
$170 Student loan...this is in forbearance but have to start making payments soon...
$300 a month gas for me... I travel over 100 miles a day for work...and then if the kids need to stay after school etc...
$120 for dh's truck etc for gas....if daughter has to come home from school (medical issues). ....
phone....dh is roughly $30 a month, its a cell but we need it in case the school needs to get a whole of her... I have a cell phone but it is through safeline and is free....we have already cut out the land line...
I know that seriously it can be done but there is going to have to be some sacrifices and i personally am good at that and the kids well they live under my roof so they will deal with it...however dh is not good at sacrificing and i need some "nice ways" to discuss this with him...
We are receiving a huge income tax return and this is going to be my saving grace....roughly $5800 not sure why... guessing cause i am the only income earner and must have received a huge earned income credit...it is set to be deposited on the 28th of January....
I have not set aside anything for pet food...
two cats and two dogs...one dog eats all the stinkin time and has health issues which causes us to have to take her to the vet roughly 2-3 times a year which cost us roughly $130 a time...The other three are very healthy and only have to have rabies shots etc..however should have an animal fund just in case..
The german shephard is the dog that cost us lots of money and in reality i should let her go to another home however she deals with anxiety and is extremely attached to my son...and we call her our basket case and i know that if i give her away she will lose her mind completely...(she is naughty when we are not home...she has learned to open the door to the house and escape..so we have to make sure the door is locked...she has learned to open the fridge when we are not there and makes a huge mess...if there is flour on the sideboard she pulls it down etc...you get the picture and i am not sure that anyone else can understand her disorder and might not love her like we do...so she stays.....
I have not budgeted toiletries etc.....and i have no ef fund....so let the fun begin... looking for any help that we can get...
I have a house that i could stay in rent free until it sells...but dh is not yet willing to try and sell our home and do this so i am trying to do whatever is necessary to avoid this scenario and in reality even if we put our house on the market chances are it will not sell...
Thanks in advance...and looking for honest help..I don't get offended very easy.....