My husband and I are both on Net10 prepay. It's $40/month per person, and it uses AT&T's system. We each get 2.5 gigs of data and unlimited everything else, which seems like plenty and we've never run out. The downside is that you have to bring your own phone, but we did the math and we broke even after 6 months (bought new but not the latest model from ebay). It's been 2 years now and we've saved ~$750 by not going with the $150 for both of us verizon plan that seemed pretty standard when we last looked.
@roboticllama Also, if you aren't checking the big budget thread for new comments - I'll repost here (it took a while to put together, I really want people to see it :P ) I put the first 49 responses together (I'll do the last 2 soon), separating the categories as best I could - you can find it all here: https://docs.google.com/spreadsheets/d/14FeoUJybZiyB7oascLcOpSUbjDlCcQAoHZLyjsnhnbs/edit?usp=sharing The main tab is locked from making changes, but the rest of it is open, so if there's some neat chart or something that you find, I'd love to see it there. A couple of interesting things that came just from inputting data: Everyone listed their rent/mortgage - average was $889 23 of the 49 respondents are paying off student loans - average was $383 9 billfolders listed pets as a category, spending an average of $73/month.
I put the first 49 responses together (I'll do the last 2 soon), separating the categories as best I could - you can find it all here: https://docs.google.com/spreadsheets/d/14FeoUJybZiyB7oascLcOpSUbjDlCcQAoHZLyjsnhnbs/edit?usp=sharing The main tab is locked from making changes, but the rest of it is open, so if there's some neat chart or something that you find, I'd love to see it there. A couple of interesting things that came just from inputting data: Everyone listed their rent/mortgage - average was $889 23 of the 49 respondents are paying off student loans - average was $383 9 billfolders listed pets as a category, spending an average of $73/month.
Well, I just talked to the mechanic who has my car, and it looks like my estimate for this weekend is about $700 on getting my car back to normal. It's not totally unexpected, but it will definitely encourage a low/no spend weekend in other areas. Next weekend, we might be getting a new hvac system, so this will seem like nothing! -.-
This is for two people. Our take-home is 6200/month, after 401k, stock purchasing, and health insurance. Fixed expenses: Mortgage $1100 Student Loans $350 Car $230 Property Tax $190 Phone $83 TV/Internet $85 Electric $80 (at least until our heater broke) Home insurance $72 Water $60 ($2250 total) Stuff that isn't as fixed: Food $575 (Groceries $225, Lunches $180, Eating out $170) Personal fun money $200 ($100 each) Gas $190 Dates $100 Dry cleaning $40 Pet food $50 Household shopping $70 ($1225 total) Savings/non-monthly stuff. This is mostly stuff we save for monthly, but might only spend sporadically throughout the year. Roth IRA $1000 Japan fund $700 Home improvement $500 (now mostly for a new furnace -.-) Misc. travel $150 Birthday/Christmas gifts $125 Emergency Fund $100 ($2575 total) Left over - $150 For stuff like car insurance/maintenance, normal medical stuff, normal vet visits, and wedding/baby gifts, we have an account which we fund with the "extra" paychecks when we get 3/month instead of the typical 2. This works out just about right, and it keeps me from having to worry about all of the relatively small things that come up. I track everything in Mint, which has worked really well for how I visualize and plan.
Late to the party, but last night we figured out our budget for 2015, so now seems like a good time to get back to doing the check in. Savings Emergency fund – goal of $6300 August: $967 September: $1100 December: $1400 I was planning on doing more than 100/month in the new year, but we have a pretty good buffer in just our normal checking accounts, so this will be 100/month for the foreseeable future. Normal Travel fund – goal of $infinity August: $743 September: $893 December: $0 This is good! We used our travel money for a trip to New Orleans/Dallas, and now we're restocking it again. 150/month is the goal, looking towards a possible road trip to see family in the midwest this summer. Japan travel fund - goal of $8000 by September December: $500 Starting in January, we'll be putting $700/month in here, and making up the rest with bonus money and part of the extra paycheck that comes in May. Debt Student loans August: $19679 September: $19503 December: $18933 It didn't happen last year, but this year for sure we'll be putting a little more towards this each month. The goal is to have them gone by the end of 2016, and with stock and stuff vesting next year, that looks possible!
@Stina We always get our Angel Tree tags right before Thanksgiving, and then spend Black Friday hunting down deals for them. If you can get the timing to work out right, it's a great way to get nice stuff without spending a ton.
Way late to the party, but here it is anyway - Savings Emergency fund - $6300 August: $967 September: $1100 Travel fund - infinite August: $743 September: $893 Contributions for Japan 2015 will be starting in 2015,theres too much house stuff to buy before we can commit to another $500/month in travel savings. The money in this account at the end of the year will go towards a new years New Orleans / Texas road trip. Debt Student loans June: $20158 August: $19679 September: $19503 We'll be increasing what we throw at this this month, just need to remember to call and change the autopay!
@Cash 4 Cats With a year to save, I'm going to shoot for $500 a month and round it out with bonuses and stuff. Tickets right now are 3.5k for two people, so without doing any more research the plan is to have about 8k saved up (and we'll hopefully spend less).
Savings goals Emergency fund - $6300 July: $967 August:$967 Looks like I forgot to set up automatic transfers for this, so that's now become my 1 thing. Travel fund - infinite July: $593 August: $743 This is on track! And we've started figuring out what travel we might be going on - something smallish at the end of the year and then Japan next fall. We'll have to up the monthly savings for Japan for sure. Debt Student loans June: $20158 July: $19857 August: $19857, but the $250 auto pay is set to go through today. No stunning progress, but slow and steady and all that. Next month I'll be cashing in some savings bonds, so there will be a little extra to go around.