Here's a break down of where our money went in 2008.
Groceries.......................................................$8,249.29
Dining out......................................................$2,459.19
Lunches eaten out/food on the road.........$ 757.59
Dental Care...................................................$5,006.42 (daughter got braces)
Dr./prescriptions/other
health care.. .......$4,089.13
Household repairs/upgrades....................$7,418.65
Water/trash................................................$ 963.69
Homeowners insurance.............................$ 906.00
Electricity.....................................................$1,430.38
Internet........................................................$ 627.52
Home phone.................................................$ 599.52
Cable.............................................................$ 137.55
Furnishings..................................................$ 115.63
Car Payments..............................................$8,015.46
Auto insurance............................................$1,396.62
Auto
maintenance.......................................$ 870.78
Registration..................................................$ 475.47
Kids clothing................................................$1,061.96
Children's school expenses.........................$2,898.24
Food at school..............................................$ 455.00
Other kid expenses.....................................$ 398.92
Daughters cell (special plan)......................$ 187.73
Son's birthday..............................................$ 146.89
Daughter's birthday....................................$ 129.35
Children's fundraisers................................$ 144.91
Childcare......................................................$ 57.00
Gifts (all year)..............................................$2,334.17
Elliptical machine..........................................$ 765.36
My clothing..................................................$ 720.34
Clothing, not sure for who..........................$ 473.66
Personal care...............................................$ 781.54
Entertaining/going out...............................$ 908.58
Books/magazines........................................$ 458.43
Liquor store.................................................$ 446.22
Cash
donations..........................................$ 300.00
Movie Rentals.............................................$ 144.57
Games..........................................................$ 99.03
Vet expenses...............................................$ 720.41
Dog food.......................................................$ 538.81
Grooming.....................................................$ 280.57 (I think I'm missing some, this seems low)
Pet supplies.................................................$ 122.83
Cat food/litter.............................................$ 69.60
Student loan payments.............................$1,065.00 (went into
deferment when I started school again)
2
nd mortgage.............................................$4,000.00
Loan for new windows..............................$1,796.13
Credit card payments can be found
here.Vacation food..............................................$ 422.14
Vacation travel/gas...................................$ 371.48
Souvenirs..................................................$ 165.55
Shows..........................................................$ 64.73
Lodging.......................................................$ 37.15 (stayed with friends on most trips)
Pet sitter....................................................$ 30.00
Wow! After listing it all out like that, there are
definitely some changes that need to be made.
Groceries: this amount does include my Jenny Craig food, so it is a little
deceiving, but still. WOW! This year, I'm going to make Jenny Craig into a
separate category. I think we'll stick to the list a little better and try to cut this cost down.
Dining out is also high, I thought we had cut down on that. This comes to about $200/month and that is way too high! The
lunches eaten out are too much too! This is mostly DH, and I think we're going to have a talk about this.
The
household repairs/improvements aren't going to change. This house is a work in progress.
Auto payments. We are stuck here. A few years ago I decided to lease a new minivan. Payments are $430/month. As far as I know, we can't get out of the lease without a big penalty, so it may be worth it to just ride it out. I'm going to look into this more and post later. I really want to get a smaller car that is around $250/month.
Auto insurance. We went with a new company a few months ago and are really saving some money on that now.
Kids expenses. We have 2 kids, ages 12 and 9. One started private school this year. So, those expenses look about right.
Pets. We have 2 HUGE dogs and a cat. I don't think we can go down on this any.
Looks like food is our biggest problem! I think I'm going to do a post like this at the end of every month. A good monthly look might help me to curb some of these expenses. I'm also going to look into getting out of that auto lease.
But, on a good note, all of this was paid in cash!