Peace Out and In

Finding Peace By Making Money & Life Decisions Deliberately

Finances

April 2018 Budget

Last week, I compared my family’s estimated March budget to what we actually spent. This week I’d like to share our estimated budget for April.

Mr. POAI and I use some handouts from Dave Ramsey’s Financial Peace University class we took last year. I revised the category titles to make them a bit more descriptive so you have a better idea of each contains.

Emergency Fund: 200

Mortgage (includes taxes and insurance): 900

Utilities: 310.37*

Food (groceries and eating out): 665

Transportation (Gas) : 100

Medical/Health (gym, co-pays, medical bills): 719

Car Insurance: 84

Misc. (dog food, graduation present, haircut): 192

Entertainment and Recreation (currently only Netflix): 18.98*

*Some of the estimated and actual numbers are exactly the same to the cent because I scheduled some bill payments before doing the budget.

Estimated: Income (what Mr. POAI and I put into our shared account)$3264 – Estimated spending $3189.35  = amount left over $74.65

This budget includes neither what we put into retirement nor what is in our separate accounts. It just shows our monthly shared bills.

~Jaye

 

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2 Comments

  1. GYM

    THanks for sharing your budget!

    Is your medical bill premium just the premium you pay every month or was there a copay? I’m curious how much medical insurance is regularly for USA folks.

  2. Jaye

    Hi GYM, the medical category I have here consists of copays, paying 10% or so per procedure we have done, the gym 25 mo, the amount not covered for our dental plan, etc. The premium isn’t in this figure at all–ugh. I pay about $30 month for health care and my employer covers the rest for me. My husband is also on my insurance but he pays about half the premium, and that is $400. My employer pays the rest. Health care coverage can be very expensive here in the US. I’m guessing that different people are on different plans and that there’s a huge range. I hope that answered your question, and I’m sure there’s more info out there depending on just how curious you are. 🙂

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