Budgeting........
 

We are really awful at budgeting, but things are getting tight and i decided to take it more seriously, so have went through statements n all, but found it difficult to work it out monthly, as we pay everything so haphazardly, anyway posting what i have come up with and would be grateful if peeps think its realistic or am a just making it up:o In particular i found it difficult to work out gas, water, electricity monthly. I know its basic , but we gotta start somewhere:o We are a family of 4.

MONTHLY OUTGOINGS

RENT 1803
CREDIT CARD REPAYMENTS 300
CONTENTS INSURANCE 20
ELECTRICITY 100
GAS 111
WATER 71
INTERNET 134
DAUGHTERS TUTOR 167
MOBILE PHONE 90
DAUGHTERS BANK 40
DAUGHTERS POCKET MONEY 80
PRIVATE HEALTH INSURANCE 100
SUPERMARKET 1200
LUNCHES - HUSBAND 200
LUNCHES - DAUGHTER 60
LUNCHES - ME 80
TRAVEL/TRAIN 240
CAR TOLLS 15
PETROL 240
CAR INSURANCE 50
OTHER 200



TOTAL 5301

Re: Budgeting........
 

I've got to ask... why does your hubby need more than twice as much for lunch as everyone else?

Re: Budgeting........
 

Well spotted, thats gets right on my........:frown: coz half the week we take a packed lunch, and usually only buy lunch when we have ran outta food or time, but no, hubby treats himself to lunch everyday in the city:frown: and.....then never eats his bloody dinner at night.....:frown:


yes, we have had one almighty row about money!! am bad with money, but my god he's hopeless!

Re: Budgeting........
 

Actually, should've added medication in there as hubby is asthmatic, but i have no idea what it costs.....and cant ask as hes getting the silent treatment.:o

Re: Budgeting........
 

I would say a ventolin inhaler is about $6 and steroid one is approx $33.

I cant believe his lunch bill, I take packed lunch every day and only occasionally buy something outside.

There is a new handbag in that lunch money Mags, dare you to treat yourself and tell him 'thought I would forgo lunch in return for a handbag/new shoes etc'

:sneaky:

Re: Budgeting........
 

and the worst thing is, i actually think he spends more than that:ohmy:, god those steroid ones are expensive, he also carries an epipen and takes antihistamine medication every day (hes developed some weird allergy here:lol:, where his face swells up on a regular basis (and his penis:confused:, i joke not:lol:), so he attends allergy clinic at the alfred and apparently is a great mystery, we have had a couple of runs to the emergency dept with his tongue swelling
I reckon he was bit by summit here.

Re: Budgeting........
 

:eek:

What do you reckon he would say if you spent an equal amount on outside lunches? That is such a lot of money, imagine that in a year.

I will admit to liking to buy food outside but with recent financial struggles it became a no go zone really.

And now when Mr PP brings food from work, I scoff it before 11am and end up hungry anyway.:o:lol:

Re: Budgeting........
 

It's the credit card payments that stood out to me - and the internet.

Re: Budgeting........
 

most women would call you a lucky bastard :lol:

Re: Budgeting........
 

I am hoping he will rethink a few things once he sees it in black n white. I know hes hopeless, but its one of the reasons i love him:o coz he doesnt give a shit about money....which is why we are always in a mess, coz we are both really immature about such things.....but we're hitting 50, time to grow up and be financially more aware.

Re: Budgeting........
 

:lol::lol: Yeah, even the doctor said when we told him.....thats called looovvee:lol: hubby was not amused:lol:

Re: Budgeting........
 

:o:o yeah, i know, but another 3 months and they'll be history:)

is that alot for internet, i have no idea, but am sure that is one of the things thats accurate, do you know how much approx monthly you pay for electricity, gas and water and internet?

Re: Budgeting........
 

Mr PP will be 50 in Sept and me 45 in August, we took a mortgage break (had no choice) and are back paying again - over paying to attempt to catch up but its added heaps to our mortgage, we shall continue to over pay to try and get straight.

Its only nearly losing what we have that kicked our arses, although with the house we are always careful but it made us realise where we went wrong and much of what we spent was wasted.

Still need to win the lotto though.:o (or a miracle)

Re: Budgeting........
 

You're not a woman are you Soapy!???

Maybe you can look at transferring your CC debt to a proper loan or something with a low interest intro deal for balance transfers.
You may also look at a better deal for the internet...

The Girls cost what the girls cost, so economising on that front is probably not feasible.

Re: Budgeting........
 

I know youve had it tough, hope things get better:) I know alot of argument goes on here about mortgage vs rent, but youve gotta live somewhere, and pay ! With the stress we've had renting i can totally understand why people take on large mortgages later in life.