This is the start of my monthly budget. These are real dollars lined up against real expense items. What I've done is collect some past data and averaged out my expenses per category.
Some costs are fixed while others are variable depending largely upon the season. The other big BIG variable expense this summer has been gasoline. Fortunately, we haven't driven that much, so we haven't taken a huge hit like most regular commuters.
These are averages over six months, so they are pretty close to representing what I'll need each month to cover the cost:
Natural Gas $171.04
Electricity $213.00
Water $82.52
Telephone $28.53
Cable TV $55.10
My Cell Phone $141.00
Wife's Cell Phone $family plan
Son's Cell Phone $family plan
Car 1 Car Ins. $53.00
Car 1 Car Gas $190.14
Car 2 Car Ins. $36.58
Car 2 Car Gas $24.08
Car Tags $85.01
Homeowner Dues $100.00
House Cleaners $295.56
Landscaping $50.33
House Stuff $93.33
Grocery's $186.94
Restaurant's $598.52
Retail Clothes $195.00
Entertainment $155.56
Medical $40.74
VetBills $22.00
DryCleaning $27.22
Nail Salon $64.40
Hair $73.67
Baby Sitting $527.22
TOTAL $3,705.49
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