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Old 04-13-2020, 12:03 PM
 
5,342 posts, read 6,167,667 times
Reputation: 4719

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Here is ours:

family of 4 with 2 in daycare

Daycare: $1,660
Mortgage: $1,151
Grocery (catch all for food, detergents, TP, etc.): $500
Restaurants: $85
Utilities: $250
Cable/Internet: $145
Cell Phones: $54
Car Gas: $115
Car Insurance: $67
Health Insurance: $300
Pets: $65
Kid Stuff (diapers, wipes, clothes, classes, etc.) : $100
Adult Expenses (Clothes, Hobbies, etc.) $150
Breweries/Happy Hours/Drinks with Friends: $175
Total: $~4,900/Month

Then throw in another $2-5k on average in home-related expenses per year and the same for vacations.

We live in Arkansas

I did a barebones budget just to see what we could get by on if I lost my job.

This is what it would look like.

Mortgage: $1,151
Grocery (catch all for food, detergents, TP, etc.): $500
Utilities: $250
Cable/Internet: $65
Cell Phones: $54
Car Gas: $85
Car Insurance: $67
Health Insurance: $300
Pets: $65
Kid Stuff (diapers, wipes, clothes, classes, etc.) : $100
Adult Expenses (Clothes, Hobbies, etc.) $50
Breweries/Happy Hours/Drinks with Friends: $100
Total: $~2,800/Month
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Old 04-14-2020, 10:32 AM
 
Location: We_tside PNW (Columbia Gorge) / CO / SA TX / Thailand
34,715 posts, read 58,054,000 times
Reputation: 46185
Quote:
Originally Posted by mizzourah2006 View Post
Here is ours:

family of 4 with 2 in daycare

...
Total: $~4,900/Month

Then throw in another $2-5k on average in home-related expenses per year and the same for vacations.

We live in Arkansas

I did a barebones budget just to see what we could get by on if I lost my job.

...
Total: $~2,800/Month
Wow, good job on 'Cost-reductions'!

My previous boss (supply chain... "Make-'em-BLEED"...) would be proud of you .

Makes one evaluate our monthly 'parasitic drain' for items not really necessary.
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Old 04-14-2020, 10:48 AM
 
5,342 posts, read 6,167,667 times
Reputation: 4719
Quote:
Originally Posted by StealthRabbit View Post
Wow, good job on 'Cost-reductions'!

My previous boss (supply chain... "Make-'em-BLEED"...) would be proud of you .

Makes one evaluate our monthly 'parasitic drain' for items not really necessary.
Haha, most of it would be no daycare (which is actually happening for us right now, lol). Other than that it's really just cutting out cable (which we're considering removing already), eating out, and what is normally a few trips to breweries or happy hours. But I appreciate it!
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Old 04-15-2020, 06:31 AM
 
45 posts, read 26,188 times
Reputation: 91
Quote:
Originally Posted by Sasquatches View Post
Feel free to break down discretionary vs non discretionary expenses. What amount of money is exactly needed for you to live on?
None of your business.
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Old 04-15-2020, 06:47 AM
 
31 posts, read 24,752 times
Reputation: 288
Rural Oklahoma.



Monthly expenses: around $500 a month.
Includes more expensive rural electric, liability car insurance on 2, cell phone, internet, entertainment, household, gasoline, and some groceries.



What we don't spend on:
Mortgage/rent, public water utility (well) or gas, expensive cell plan, car payments, credit card payments, eating out (maybe once a month), cable/satellite, gym memberships, or fast fashion. My husband repairs most things himself. Our home is nothing fancy, our vehicles are older but gets us there. We have a garden. We live pretty simply and our expenses are covered with a part-time income (well, before corona and it closed).


Being frugal allows us to live this way, and I'm always working towards cutting down expenses even further.
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Old 04-15-2020, 07:02 AM
 
Location: equator
11,054 posts, read 6,645,497 times
Reputation: 25576
$160 HOA
100 giving
70 electric
45 insurance
80 health care premiums
400 food and misc.

_____________

$855 fixed, per month

We use the rest to travel, no entertainment costs where we live
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Old 04-15-2020, 09:36 AM
 
Location: broke leftist craphole Illizuela
10,326 posts, read 17,429,546 times
Reputation: 20337
Chicago suburbs
mortgage 2005
electric 43
gas 53
water 25
garbage 15
cell phone 21
internet 35
insurance 145
Food 250
net 2592
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Old 04-15-2020, 04:29 PM
 
1,803 posts, read 1,240,727 times
Reputation: 3626
Quote:
Originally Posted by Reice View Post
Rural Oklahoma.



Monthly expenses: around $500 a month.
Includes more expensive rural electric, liability car insurance on 2, cell phone, internet, entertainment, household, gasoline, and some groceries.



What we don't spend on:
Mortgage/rent, public water utility (well) or gas, expensive cell plan, car payments, credit card payments, eating out (maybe once a month), cable/satellite, gym memberships, or fast fashion. My husband repairs most things himself. Our home is nothing fancy, our vehicles are older but gets us there. We have a garden. We live pretty simply and our expenses are covered with a part-time income (well, before corona and it closed).


Being frugal allows us to live this way, and I'm always working towards cutting down expenses even further.
Health insurance? Property taxes? Home insurance?
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Old 04-18-2020, 07:06 PM
 
1,142 posts, read 579,038 times
Reputation: 1559
Location: Northern California (in the Sierra's)
Married Couple 51 & 59

Expenses
Mortgage (incl. homeowners)- $1300
$220 medical/dental/eye
$80 -Karosene & PG&E
$100 cycling
$400 Groceries
$100 eating out
$500 gas/dmv/wear & tear/auto insurance
$10 coffee
$40 hair
$50 Water (utility)
$100 Internet & Internet Phone
$15 Cell phone
$60 Tech (computers as they wear out)
$25 donation to the Volunteer Fire Dept & Volunteer EMT
----------------------------
$3000 month/ $36k yr

This is very good for California
The cycling is a requirement. DH & I need to stay in shape which keeps medical costs low
Could reduce groceries by $50 a mo. never noticing a difference. Too much food is tossed out
Gifts & other items & other donations I use my paypal balance since I sell on EBAY
Sometimes give homeless $

$80 a month? /$1000 a yr.


Or probably $3100 a mo / 37K a yr





.

Last edited by SaraR.; 04-18-2020 at 07:42 PM..
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Old 04-18-2020, 09:32 PM
 
1,142 posts, read 579,038 times
Reputation: 1559
Quote:
Originally Posted by UCisannoying View Post
None of your business.
OP wasn't asking you specifically, duh.
If you don't like the thread, buzz off.
Don't troll it with your snarky comments
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