We are located right outside Washington DC in Montgomery County MD, so cost of living is high

The student loans are mine $78k.

The loan is a advance from my job that was used to buy our minivan outright after our last year broke to beyond repairable. This was for 5000.00 and will be done in August. I pay 250 a pay.

We are under a contract with the phones until Sept. .. should I just drop it?

Cable and internet along with landline will be revaulated and adjusted tonight.

Our electric and water, I have tried to get down… its a struggle.

We use coupons and I am pretty good at shopping as I am providing for 7 people.

I think I covered anything.

Ok I will base this on take home pay ( after taxes and insurance)

Income 4400.00

Rent $1600.00
Electric 400.00
Water 170.00
Car Ins. 177.00
Cell phone 230.00 (3 phones)
student loan 267.00
Judgement 200.00 ( this has to be paid monthly or they will garnish my wages)
Cable/internet/ Landline $260.00
Groceries 600.00
Loan 500.00
Savings 50.00

Wow, after breaking it all out, its barely enough. With students loans (75K) and other Old debt adds up to about 100,000.00 I use no credit cards.

A very satisfying feeling

When we started the TMMO 5 years ago dh had not purchased any new clothes in at least 2 years prior to that. Then unemployment for 18 months and being gazelle intense for 5 years hit and well let’s just say his summer wardrobe was pretty bad.

Today we went shopping for warm weather clothing for him. He was like a kid in a candy shop, never before has he been enthusiastic about clothes shopping (neither of us are big on it generally). We didn’t go hog wild a new shirt for work, 7 new good quality colored t shirts, socks, underwear and a couple of pairs of shorts (we bought him 2 pairs of new shoes last month). We’ll purchase a few more things on amazon.com tomorrow for work and home because his size is sometimes a bit hard to find.

When we finished the shopping and were headed over to do our monthly big shopping at Sam’s Club he was grinning ear to ear. I said “it’s a good feeling isn’t it?”

“What?” he replied

“Going in and buying a new summer wardrobe with cash and KNOWING it belongs to you…”

“…and not the bank, yes it is wonderful.” He finished my sentence and added his remark.

From there we did cash purchases at 3 other places and came in below budget. It was truly a wonderful feeling.

I did my budget for May and paid all the bills

I got the kids discount glasses online from a site mentioned on here. I found a great online tux shop and saved $70 on son’s tux. The suburban decided to get a hole in the radiator. We ordered a new with gift cards earned on swag bucks. Thank you Amazon. LOL It is now time to replace the suburban. It is costing more and more in repairs. So,we started the new to us car search for two vehicles. One car is to replace the suburban for hubby . If we sell the suburban we should get a small car for about the sale price of it. The second is for me to drive. We have shared a car for 5 years ! We have been saving to buy a smaller suv and hopefully should have the money by September for one for me to drive. I also found presents for our next kids birthday at kohls 60% off. I am proud ! I actually got something done in the last week. LOL

Didn’t get too much done this week/weekend and it looks like the week is beginning much like last week

His car got hit in the parking lot where she works as she was getting ready to begin her evening shift. Basically, the other driver backed out of the space and didn’t/couldn’t see out of her back window of the SUV and bumped into my kid. FL is a no fault state, so the insurance co can duke it out. She picked up her car this am and not quite fixed, so back to the shop it went. My am today has been eaten up with taking dealing with this situation and taking her to work. She’s already found a ride back to the dealership between shifts.

The pool is still not clean…I’m tired of the rain that comes and dumps pollen, leaves and sticks into it. Will work on that this week since I am not going to the TPC golf tournament this year–no obligations, so giving away tickets to people who like that sort of thing.

going to pay the bills. My allergist discounted my bill, so I’m happy to pay whatever she charges. The dentist also made sure everyone got whatever work we needed before the insurance got dropped and will discount us a little on services–20 years with the guy, so wanted to stay with him.

On the bright side, the business is doing ok. We have some students and we will do a grand opening at the end of the month. We have invited the other schools in the federation to join us, so this should be fun. I think my kids are looking forward to breaking something and there will be a seminar on that–guess I need to purchase some wood boards and dowels and some concrete blocks.

After spending $225 in a single week for gas

for the ‘new to us’ vehicle and SUV ($125 main vehicle, $100 on DH’s work), the kids and I decided to pool our resources and we are getting a moped this Friday. It’s a bit of a hard hit ($800), but we just can’t keep spending $225 or more a week on gas getting the kids to and from work (mostly) and to and from school. Especially since starting this Friday we have money coming out for medical insurance.

We are living in gratitude, as the gas money came out of odd job payments from baseball umpiring and babysitting, so we’re not “out” money per se. I try not to look at the $900 not going to getting out of debt (it would pay for 2 credit cards.) Oh well. It will pay off in the long run, especially with two of them working more or less full time when school gets out.

So the homework is, we redid our budget to accommodate the purchase of another vehicle and have adjusted our payoff schedule for CCs. I’m also putting up a new babysitting ad for summer care in my home today. I have a feeling that my tutoring gig is going to end in a month and the girl I take to and from school is moving, so there goes my extra income !

So what bills does he pay?

Or what does he spend his money on? How does he contribute to household expenses?

Dave would say that you two have a marital problem first before a money problem and to work on first things first, the marriage.