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
Happy New Year to All
January 1st, 2007 at 02:27 am
January 1st, 2007 at 03:17 am 1167621436
January 3rd, 2007 at 08:42 pm 1167856967
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!