Object Finance Analysis Forex

I understand that reveal our net worth is not enough to explain in detail our financial situation. Our administrator flaw for the money note. This is the reason why we do not share our respective salaries, occupations, employers and geographic location. Also, I’m not here to be more than you. Anyone could win more than me; I save more or spend less than me. I’m just trying to keep track of our progress, and also try to do better constants in our situation every day. The idea is to improve our financial situation.

I think tracking expenditures is a good idea for everyone, especially to plan ahead, so I share what I discovered. On the other hand, as I mentioned earlier that our goal for “emergency fund” is 6 months of expenses or $ 30,000. Does this mean that my wife and I spent $ 5,000 per month? How? Here is the report (and novices):

Housing: We spend $ 3,500 a month in housing, 70% of total monthly expenses. (This is not the same as 70% of income!). This includes all principal, taxes and insurance. Yes, it’s too expensive. The average price of a house in our area is $ 500,000, so do not think we live in a large estate of 5,000 square meters. At the same time, incomes here are also slightly higher, especially in certain fields. Because housing costs take up only 70% of the costs, I made another report of expenses that are not home:

Food: $ 450 per month including all food and sometimes we eat out. Here is where the “fat” is in our expenses, and we know it. We love food and do our best for “spending wisely” and enjoy every dollar we invest in this pleasure. I agree with making meals at home, but I still go out to eat when I eat certain foods like pizza or authentic tamales wrapped handmade.

Life Insurance and other: $ 200 per month including 2 cars and liability insurance. Our franchise is $ 1,000 to keep costs down, but our limits of liability are high ($ 250.000 / $ 500.000) due to the requirements of civilian politics.

Utilities: $ 200 per month including electricity, gas and water.

Fuel: $ 200 per month.

Cable TV + Internet: $ 80 per month.

Phones: $ 75 a month for two lines.

Gifts: $ 100 per month. This could be something unique to us, but due to large family events we have, such as birthdays, graduations, weddings, etc, we always end up costing $ 100 a month.

Other: $ 200 per month which includes the other smaller categories such as clothing, entertainment and pet expenses.

This completes the total of $ 5.005 per month. $ 3,500 for housing, $ 1.505 for everything else. Health insurance is included in our salaries. No monthly expenses such as home decorating projects, travel, charity, car purchases or medical emergencies are not included. Now, if you read this information, combine it with the updates of your net worth, a motivated person should be able to reverse the current situation of their income and savings rate. Now, you can proceed to buy you and, therefore, judge.

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