Are we big spenders or not making enough?

amother

Chartreuse

Wed, Oct 17 2018, 8:44 pm

amother wrote:

Amazing!
Can you share your budget?
Rent-
Utilities-
Car (insurance, gas, tolls, do you own?)
Health insurance-
Food-
Household goods-(everything from detergent to diapers)
Phones-
Childcare-

I'm really interested in reading your response!

We pay 1100 a month for rent.
Utilities come out to about 250 a month
Childcare-500 a month
Car- lease is 150 (we got a good deal!)
Gas- around 100/150 car insurance 200
Groceries-really depends on the month because we go to my parents and in laws a lot for Shabbos but I would say around 600 a month
Healthcare- DH is on his parents plan my kids qualify for nj healthcare and I am currently working on getting onto a new plan because I don’t qualify for nj healthcare since my birtH
Household Goods-150 a month
Phones-were both on our parents cell phone plans but we pay for a house phone and internet 69 a month.
We live in Lakewood

amother

Orchid

Wed, Oct 17 2018, 8:48 pm

Childcare would cost us a lot if we were to have a child in 9 months
We live in lakewood. Our net income is about 31-3200 after taxes and maaser.
We don’t really eat out besides anniversary or once in a while just Pizza shop. We try cutting down on many things it just constantly feels like I can’t live and buy stuff I need when I need it. I don’t go for manicures or car washes or luxury things like that. My dh tries to buy me a few more items of clothing every season maybe 200$ max. I don’t spend much on luxuries other than that clothing

amother

Denim

Wed, Oct 17 2018, 9:01 pm

amother wrote:

thanks for responding!
That comes out to 3119.. if you don't pay health insurance that frees up a ton. Good for you!
Like I posted earlier health insurance is a ton.. I feel like that's a biggie for us. My breakdown is a bit different but we would have similar totals if I had free health insurance, (I own, don't lease, and pay way less in food, but I budget for date night and Mikvah and the barber and and and)