think i may need somehelp?
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|Tue, 08-19-2003 - 3:56am|
his income=take home $3300/month
mine=$1700/month take home
insurance for 3 vehicles=$140/mth
phone=avg $85 (figure i can cut out all the extras and save $30/mnth)
electric=avg $75 (between summer and winter...give ortake)
water=avg$25 (if we change the hottub water)
garbage=$50 for three month
satellite tv=87.99 month (can cut that to basic)
two credit cards with aprox 1,000 between the two...not worried about them As i plan on paying them off in the next couple months.
We really don't eat much so food, (if we stop going out for dinner) about $300/mnth
i have way too many clothes that i can get by without buying much for the next year, but with dh's uniforms let's say $100/month
gas avg about $120/mnth
any other expenses that i can be forgetting about??
ok by my calculations we can have the full amount in aprox 10 months without having to take out a loan....can it be done? GOSH we waste way too much money....value village here i come!!!
can anyone see where in i can cut more money? i really would like to have most of the cash for this without a loan or tapping into retirement plans. help me be more frugal!!! i already started by grooming my own dog instead of paying $30 a month to have someone do it! i think that is a great step but i have to start realizing that i don't need to spend money and just because i see something doesn't mean i have to have it! i'm really embarrassed by this because now that i put it all out, i realize that i should hAve started saving long ago, but we bought a new house lastyear and everything we have extra has been going into this...new floors, doors, paint out and in,new roof...the list goes on! but the sad thing is now i realize that the only thing this house really needed was paint and a new roof. any advice?