So we are down $300k for the year so far. Easy come easy go. $150k retirement and $150k taxable. Okay then. That is life.
That being said we had a pretty good spending money. $1335 on our return expenses from hawaii. $274 on eating out, $520 on groceries. I find that no matter what I do, I've really been trying to use our pantry up, I can't get our grocery bill lower. I also found that we are eating less meat but the veggies and fruits are just so expensive. I buy 2 lbs of cauliflower fresh is ~$4-5 and that's only dinner. Then add in more fruits and veggies through the day and it's a lot. Last night we had half a package of broccoli from costco honestly I should be making more veggies for the kids. We tend to eat a lot of veggies. For dinner 2 heads of cauliflower/broccoli, or 6 zucchini and squash, 2-3 pounds of brussel sprouts each dinner. Then cutting up bell peppers and cucumbers for snacks and I adore mushrooms in so many meals as a side (I tend to buy it and just lightly saute it). Also we typically have a fresh salad and our meal. And our meats while smaller now proportion wise is more expensive which explains why steak for us $50 from costco for regular and not even prime.
Also I give each kid a whole fruit for school snack but thanksfully they have the (pretty unhealthy) but free school meals. I know it's not just me because all the moms are talking about how much they spend when the go to the grocery store. It used to be $200-300/week is turning more like $300-400 or more a week. Most of them don't cook as exapansively so they buy the same things over and over (their words). So they can just see the prices escalating because they buy a lot of the same meats, veggies, and fruit in the exact same quantities. I tend to buy what I feel like making.
Part of it is that I also think there are less sales and deals to stock up on non-perishables or cleaning supplies or anything. So things are bit sketchy.
Well either way DH supposedly got a raise, unsure when or how much but heck we'll take anything. I also don't know if he's paying more for health insurance.
Our bills typically are
$3200 mortgage (2% arm)
$1000 property taxes
$350 insurance (life, home, auto)
$500 kids extracurriculars
$140 cell phones
=$5650 month fixed and then we have discretionary (groceries, eating out, and everything else) plus savings.
Discreationary should be around $2000/month but we are struggling to stay there.
That being said I have my furnance and other charges to be paid by Marhc 2023. Started at
Hoping to make some serious headway these next few months.