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Happy New Year to All

January 1st, 2007 at 02:27 am

I've created my January budget and would like to share it with you. Suggestions would be appreciated.
Total income: $1726.85
Mortgage (including insurance and property taxes): $307.52
Electricity: $80 (on an even payment schedule)
Water and Sewer: $63.21
Phone, internet and cable: $135.00
Natural Gas: $130.37
Plumbing repair: $25.00
Car payment: $157.32
Car insurance: $31.52
Estimate of gasoline for the car: $20.00
Life insurance: $38.00
Ten medical creditors @ 25$ each: $250 (This is what I am looking to snowball)
Visa card:$150
Charity (Christian Children's Fund which goes on the Visa and I want to cover it) $58.00
ING: $35.00
Visa: 2 Dave Ramsey books and stamps:$40.00
Service charge at bank:$9.00
Car repair: $25.00

This leaves me $171.91 for food and any necessities for January. This does not seem like much but I must only take care of myself. I hope I can do it. Maybe you could give me some REALLY cheap recipes. LOL

2 Responses to “Happy New Year to All”

  1. baselle Says:

    Only two comments - 1.) already budgeting service charges at the bank? Does your bank account ask you to have a minimum? 2.) The Dave Ramsey books. I love books, and I buy them too, especially ones for reference. But at least for this month, could you check them out of the library?

  2. debtfreeme Says:

    i agee, can you find the books at a used book store or the library? ALso try used book stores near any colleges, always a good selection.

    20 for gasoline for the month? Do you have great mass transit in your area?

    If you carry debt month to month on your card, Can you make the charity payment come from something other than the credit card? Maybe direct from your account?

    it is a nice accounting of your estimates though!

    what is the service charge from your bnak? Can you switch banks? that equals over a hundred dollars a year!

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