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3/9/2009 10:25:23 AM

100% --> Bitches & Hos

3/9/2009 11:34:40 AM

Our money is so 4D.....

We have 2 rental incomes & 2 paychecks so gross a month from all of that

mortgages + HOA on 2 homes: 39%
utilities (cable, internet, phone, water, trash, electric & gas heat): 5%
Life Insurance & student Loan (pay real slow since it is a 1.15%): 3%
Gas + car expenses: 4% (car expenses are averaged over the year)
Cell Phone: 1%
Grocery Store/Pharm Stores: 6%
Long Term Savings (including retirement): 25%

The rest is currently going toward one time home improvement projects. We go out to eat on occasion but not so much right now. I am going to be a Matron of Honor and have about 1k in expenses for my obligations.

Usually at the beginning of the year we set financial goals on top of realistic goals. So this year it is like.....

Roof, retaining wall, my oral surgery, 10k in savings, pay house below PMI (~6% away. We chose to keep cash around in case of emergencies which is why we haven't already done this)

3/9/2009 9:03:39 PM

you guys still on track to retire by 30?

3/9/2009 10:52:22 PM

taxes
rent
debt
utilities
food+gas
car

5/12/2009 3:48:30 PM

house (inc utilites)- 19%
cars/boat- 9.5%
school loans- 11%
fuel- 9%
insurance (health, car, life) - 7%
401k, stock - 11%

Balance - food, taxes, what ever i want

5/13/2009 11:38:57 PM

committed living expenses (rent, utilities, food, transportation, phone, student loans, credit card) - 58%
savings (401(k), investments, short-term savings) - 20%
incidentals (spending $$, vacation money, "just in case shit" money) - 22%

plan is to use short-term savings and '"just in case shit" to pay off credit card/student loans to lower committed living expenses and increase savings. incidentals will stay the same.

Also, this just counts my regular day job income. No freelance income included (which is split 40% taxes, 30% short-term savings, 30% "I can spend this if I want"... which I usually don't).

5/14/2009 2:41:13 PM

Do you guys know what "net" means?

5/14/2009 2:48:26 PM

In the last 6 months I've saved $18,700 in my savings account.

I put 12% into my 401k. "Benefits" get about $100/mo (insurance, dental, HSA, vision) pretax. Uncle Sam & the Tarheel State get about 38% combined. About $1200/mo goes to mortgage, $300/mo utilities/ internet/ satellite/ phone/ prostitutes, $115/mo homeowners, $300/mo food -- about a 50/50 split between groceries and eating out, $30/mo gas since I live 2 miles from work and a half mile from everywhere else I need to go, $200-400/mo goes into minor purchases for the house, maybe $400/mo goes to entertainment. Whatever I have left just sits in my savings account.

I was originally saving for a muscle car or the new camaro (if GM didn't go down the shitter). I decided to hold onto the money for now though.

[Edited on May 14, 2009 at 8:33 PM. Reason : ]

5/14/2009 8:31:21 PM

They're still gonna put out the Camaro btw

or at least they're still ordering the components for it last I checked at work (we supply some parts for them)

5/16/2009 2:37:35 PM

The new Camaro was supposed to have already shipped by now. I almost preordered in October til I realized GM was going down the tank. I don't think I'll be able to buy one for probably another 6 months if it doesn't get shitcanned as a result of their imminent bankruptcy protection.

5/16/2009 6:12:17 PM