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Forum -> Household Management -> Finances

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amother

Wed, Mar 27 2024, 10:03 pm

S/O
How does everyone get by?
What's your income?
What are your expenses?

amother

Hunter

Wed, Mar 27 2024, 10:08 pm

Roughly. Per month.
Mortgage 2k
Daycare/tuition 1800
Cars plus gas 1000 (1 lease 1 we own )
Utilities 300
Food 1000
Health insure /therapy 1400
Misc 500 (target, wig, ...)
Around 9k a month
Income around 150k
4 kids. We both work. Lakewood .

amother

Daisy

Wed, Mar 27 2024, 10:10 pm

$75,000
(Husband in kollel)
2 kids
$1,600 for rent
$1,200 babysitting
$1,000 food
$400 insurance
$200 misc
$150 gas
$175 utilities

amother

Turquoise

Wed, Mar 27 2024, 10:13 pm

3200 rent
1K food
1K car/insurance/gas tolls
1500 therapy -2024 on a budget! LOL

500 daycare
500 Misc /-clothing
300 utilities
ETA life insurance 600
cleaning 250

10K a month about
income 150K - after taxex
2 kids brooklyn

amother

Wandflower

Wed, Mar 27 2024, 10:13 pm

amother Hunter wrote:

Clothing?
Summer?
Yom tov?
Life insurance?
Tzedaka?
Taxes?

Eta: this is for everyone- just reminding numbers you may have missed…

amother

Wed, Mar 27 2024, 10:14 pm

Food: ?
Rent: 3,700
Investment: 1,000ish
Car: 250?
utilities: ?
Tuition: 1000
Babysitter: 800
Cleaning: 200
Lunches: 150
Ubers: 50
Wash n sets: 100
Hosiery: 20
Clothing (divided by 12 months): 300
Taxes: lots

Brooklyn. 3 kids. Both of us work. Idk exact income TMI

amother

Cantaloupe

Wed, Mar 27 2024, 10:23 pm

Net income is around 195K.
Monthly expenses roughly:
Health and dental insurance - 3400
Therapy - 1000
Tuition - 1500
Cleaning help - 780
Cars - 1600
Mortgage - 3000
Food - 1500
Orthodontist - 250
Student loans - 580

I don’t know how much utilities are as my husband takes care of that. Also not sure how much household items come out to as it’s random and not the same weekly. Then there’s thousands of dollars in clothing which I’m not including in the regular monthly expenses. Copays, medication, gas, cleaners, etc. Oh and can’t forget about camp! It all adds up.

amother

Vanilla

Wed, Mar 27 2024, 10:27 pm

I don't know our total income, tuition 401k and medical insurance comes directly from my husbands work. His take home pay is 6k a month/72k a year.
Maaser 600
Housing 2100
Utilities 400
Other insurances 200
Food 1600
Gas/tolls 100
Cleaning lady 400
Clothing 200
Household goods 200
Savings 100 or anything left from other categories

amother

Begonia

Wed, Mar 27 2024, 10:57 pm

tuition 3k
cleaning lady 1k
no mortgage bh
food 1k
car lease/insurance/ gas 1k
house tax approx 1k
house bills approx 1k
misc 1k
tutoring $800
health insurance $1400
numbers are approximate

amother

Strawberry

Wed, Mar 27 2024, 11:19 pm

Following

amother

Currant

Wed, Mar 27 2024, 11:27 pm

Mortgage 7500
Tuition 1600
Food 1500
Car (gas, insurance, lease)approx 1300
Cleaning help 550
Health insurance 90
Wash n sets 120
Utilities I don’t know (DH pays them)
Miscellaneous

3 kids, Brooklyn

amother

Wandflower

Wed, Mar 27 2024, 11:31 pm

amother Currant wrote:

Are you on child health plus? What about the parents?
The eligibility seems off….or maybe I’m not familiar.

amother

Currant

Wed, Mar 27 2024, 11:36 pm

amother Wandflower wrote:

Are you on child health plus? What about the parents?
The eligibility seems off….or maybe I’m not familiar.

I have insurance through my job.

amother

Salmon

Wed, Mar 27 2024, 11:46 pm

Monthly:
Mortgage 5k
Utilities $300
tuition 1200
Transpotation 250
Food 1800
Insurance 500

Yearly
Clothing n shoes 3000
Tzedakah
Tips etc 1000
life insurance 2000
Yt extras 1250 (all chagim total)
Wash n sets/beauty 350
Dry cleaners 250
Odds and ends 500

Annual 150k + small bonuses
Brooklyn
Family of 6

amother

Aster

Wed, Mar 27 2024, 11:56 pm

11k (shekels) we bring in
4200 rent
1000 utilities and bills
200 Healthcare
1500 food and household goods
250 bus passes
1100 maaser
1000 private gan
120 gym membership

Currently we don't really budget. The rest is used for clothing, shoes, restaraunt once in a while, chagim, and other needs.

We usually don't have so much left over and I feel comfortable and grateful. I shop sales and don't buy expensive clothing and shoes.

amother

Lightgray

Thu, Mar 28 2024, 1:54 am

I bring in 11,000 NIS from my full time job
We receive 2,500 NIS as from kollel
I work side jobs- sheitls, babysitting, tutoring- that vary but usually bring in at least another 500 NIS per month. DH cleans on Fridays, bringing in another ~600 a month.

We pay maaser-10% -1,350 plus 10% of the extra that came in
Our Bituach Leumi/health insurance comes out to about 1000
We pay our accountant 100/month to do talushim, which pays for itself in US tax savings.
We pay 4800 for rent+ 550 arnona+350 vaad bayis
Bills come out to about 500/month (bi monthly billing)
Plus internet which is about 120/month
And phones which are another 200/month
We spend about 2000 on food if we don’t host for Shabbos.
If we host that’s about another 200-300 depending on what we serve (fish+chicken, which we don’t normally have for Shabbos)
DH has a monthly rav kav 225
I normally put 200 on my rav kav every other month.
We go out about once every other week which comes out to a little less than 200 per putting.

We both rarely buy new clothes. I think last year we spent less than 1500₪ total on clothes.

We are still a young couple so are normally hosted for YT. And the yeshiva normally gives money before Pesach and succos to help cover costs.

We don’t travel.

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