This first part is all monthly items. The last section will be debt which will be a total sum, not the monthly amount paid
Income (including child support - which so far has been consistent but that could change any day)
$3521.00
Payroll taxes
$394.68
Health insurance/disability insurance, etc
$441.26
Rent
$825.00
Renters Insurance
$12.33
Utilities (phone, internet, cable etc)
$400.00
Food (does not include eating out)
$200.00
Eating out (we typically go to Price Chopper for their 10.00 meal deals on Wednesdays)
$40.00
Transportation (gas, registration, etc)
$271.00
Personal (school lunches, gifts, hair care, blow money, etc)
$226.00
Recreation (for fun stuff and saving for vacation)
$80.00
Clothing (I usually just buy as needed - now we are budgeting for it)
$50.00 (for my daughter and I - doesn't mean we will spend that much each month if any at all. Just planning ahead for when the need arises
Savings
$200.00
Charity (here I am breaking Dave's rule of giving 10% of your total gross income. I feel that if I have to do this program to survive that I shouldn't give so much to start with. I should use it to pay down the debt I have then when the debt is gone I can and will increase the amount I donate. Call me cheap if you want but I want these bills gone.)
$20.00
Debt owed (here is my student loan, credit cards, medical, and other misc past due bills I need to get rid of)
$12000.00 (rounded up)
So there it is. That is what I make and what I owe. I am sure that I have missed some bills that belong in the debt category (past due bills etc) so that figure may change a bit as I get more mail in and clean the bookcases out.
Thursday, April 29, 2010
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