I never really make traction on a debt with paying all of the minimums, but there isn't much leftover after I do.
Here are my real numbers. I am awful with numbers (big surprise,eh?). I can't make sense of them or keep them straight/organized.
Income comes from my job and my husbands.
Income 1 (mine): 2,552.00 paid monthly (teacher salary)
Income 2 (hubs): 1,180 paid the first of the month
1, 350 paid the middle of the month (He also gets a monthly commission check that I don't usually factor in because it can vary greatly.)
So for the month we bring in (after taxes and insurance) $5,082.00 without commission included.
Our expenses break down as follows:
Mortgage: 794
Electricity: 160
Gas Bill: 190 (this time of year)
Water: 86
Cell phones: 250
Car Insurance: 102
Daycare: 800
Car payment: 400
CC1: 75
CC2: 79
CC3: 80
CC4: 40
Groceries: 600
Gas: 400
Student loans: 200
Medical bills: 100
Entertainment: 300
Eating out: 250
Unaccounted for: 176
These are raw as they are numbers without having made any adjustments to them. Keeping it real here.
I think if this were a dear abby column, I would sign off here as "desperate for help". Husband and I have a date to sit down tonight and figure out how to improve these numbers and divide them so that they are paid as we get paid.
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