Share your budget

[Stretch]

Mario's post detailing his expenses got me curious how everyone allocates their income.

Here's mine by month this year -

Gross income $6500

401(k) 780
Med/Dental/Vis 36
Taxes/FICA 1700 (give or take)

Net income 4000

Roth IRA 400
Rent 800
Car insurance 100 (god damn it)
Gas 100 (assuming $4 / gal, so this has come down some)
Groceries 150
Cell 80
Internet 15
Parents' utils 260
To parents 500
Discretionary 200 (usually don't go through all of it)

I usually end the month with around $1500 that I end up throwing into an online savings account. I used to have it in an index fund, but I pulled it out after Bear Stearns went down early this year. I'm not sure if my company is giving out bonuses this year, even though we're doing okay relative to other banks, but I'm not counting on it.

[Sean of the Thread]

$0

[Ignot]

in other words, lets have a thread where the wealthy make the poor feel bad.

[Methais]

I'm poor and I feel great.

[Proxy]

in other words, lets have a thread where the wealthy make the poor feel bad.

basicly

[Jorddyn]

Why is your 401k not maxed??

[Stretch]

Why is your 401k not maxed??

Because I'm still under the threshold where the Roth gets phased out, and I'm doing that too.

[Amber]

Why isn't gemstone budgeted for, or does that fall under discretionary? And you've got your parent's utilities budgeted for, but not your own. Are you living with them and therefore don't have any of your own? I just realized this sounds snarky, but it's not meant to be. Just curious as to why you don't have a utility bill of your own other than the cell and internet.

[Drunken Durfin]

What is this budget mumbo-jumbo you speak of? Is this related to that "checkbook balancing" crazy talk I hear people gripe about?

[Jorddyn]

Because I'm still under the threshold where the Roth gets phased out, and I'm doing that too.

I caught that, but you may want to consider maxing the 401k instead of putting 18k/year into savings or a taxable account. Being single and not owning a house affords you very few deductions - use what you can.

[Stretch]

Why isn't gemstone budgeted for, or does that fall under discretionary? And you've got your parent's utilities budgeted for, but not your own. Are you living with them and therefore don't have any of your own? I just realized this sounds snarky, but it's not meant to be. Just curious as to why you don't have a utility bill of your own other than the cell and internet.

GS falls under discretionary. I moved into a townhouse that a buddy of mine bought a few weeks ago, so utilities are covered in the $800 rent.

I have line items for things I help my folks out with just so I can keep track of where my shit is going.


I caught that, but you may want to consider maxing the 401k instead of putting 18k/year into savings or a taxable account. Being single and not owning a house affords you very few deductions - use what you can.

I'm sticking 12% in my 401(k), which I think is pretty conservative already. I'm going to pay taxes on it at some point, and I'm pretty indifferent on paying an incremental $1,800 on the $6k more I could contribute now vs. however much in taxes I would owe on the $80k - $100k it could grow to by the time I can withdraw.

[GS4Ranger]

Here's mine by month:

1. Gemstone

[Daniel]

I gross about 7000 a month.

Whatever it is I pay in taxes, 1.5 grand maybe.

20% of paycheck into 401(k) so about 1100 a month.

1000 a month towards paying off debt

1665 a month towards mortgage + 300 in principal

The rest is food and Alcohol, cable, internet shit like that.

[Kuyuk]

95% bills/debt
5% other shit - food/beer/gas/etc

[g++]

Here's mine by month this year -

Gross income ?

401(k) 0
Med/Dental/Vis 0
Taxes/FICA 0 (give or take)
(I really dont know everything above this line it is all taken before I get my check by hopkins, medical and dental are essentially free)
Net income 3000


Rent 700
Car insurance 200 (I guess im not asian enough to pay 100)
Gas 100
Groceries 200
Cell 30
Discretionary 400-500 (I go through it all cigarettes liquor and party hats are expensive)
Debt Essentially everything else to student loans even though they arent accruing because im still in school.

[Hulkein]

I gross about 7000 a month.

Whatever it is I pay in taxes, 1.5 grand maybe.

20% of paycheck into 401(k) so about 1100 a month.

1000 a month towards paying off debt

1665 a month towards mortgage + 300 in principal

The rest is food and Alcohol, cable, internet shit like that.

Damn, your career path paid off. Nice job.

[AestheticDeath]

What are you doing Daniel?

And Stretch, you are still in some sort of banking/CC operation type thing right?

[Solkern]

Gross income per month $4,500
401k $450
Net income $ 4050
Cell Phone $40
No other bills
I put $2,500 in my savings

Edited: my company pays housing, and allows me a $300 a month grocery allowence.

[Stanley Burrell]

I have $2.51 cents in a bank account. No joke.

[Daniel]

What are you doing Daniel?

And Stretch, you are still in some sort of banking/CC operation type thing right?

I'm a contractor for the State Dept. I'm in a new, small office, that specializes in a niche field that is critical to our national security. Right now I'm working on how we institutionalize a cultural change in the USG on the way we respond to crises.

That said, I'm bored and am actively trying to go back to Iraq or go to Afghanistan.

[Mighty Nikkisaurus]

About 6k a month after taxes. This is for both Mike and I (i.e. joint expenses), 401k is all his.

401k: 700
Mortgage: 1.1k
utilities, cable, heat: 295
gas: 80
cells: 80
car insurance: 200
Food: 400
Student loans: 240
pay off debt: 1.6k
medical payments: 300
poker savings: 200
trip savings: 200
regular savings: 200
extras/games/random: 400 or so

[GS4Ranger]

Just wondering, but does everyone here consider their "regular savings" their "Murphy Fund" or am I the only one that seperates the two?

[Daniel]

Just wondering, but does everyone here consider their "regular savings" their "Murphy Fund" or am I the only one that seperates the two?

A few months back I started putting my army diability into a savings account I can't easily touch. It was too much of a temptation to invest it and\or use it on booze when it was linked to my regular accounts. The point being that I won't touch the money unless I absolutely need it.

It's not a lot, as I only get 10%, but it'll build in time.

[Mighty Nikkisaurus]

We hit our regular savings on occasion but try not to.

We use two other savings accounts and only hit them for something very specific-- vacation money is obviously just to pay for our vacation(s), and poker savings are for poker/gambling expenses including trips and crap that my boyfriend may wanna take as well as entry fees and stuff like that. Most of his poker winnings go back into that account as well.

[Kuyuk]

I dont make enough for 401k or any type of savings.

[Vesi]

I gross about 7000 a month.

Whatever it is I pay in taxes, 1.5 grand maybe.

20% of paycheck into 401(k) so about 1100 a month.

1000 a month towards paying off debt

1665 a month towards mortgage + 300 in principal

The rest is food and Alcohol, cable, internet shit like that.

You're the first one I've seen saying anything about paying extra towards your principal. An amortization statement from your lending institution is a great way to see how much principal and interest you pay out over the years. If you can afford to pay extra towards your principal each month, the house is paid off so much faster. My husband (because the house note was his bill) would pay 3-4 house payments a month. Pretty much cut paying off our house in half. It's not for everyone... but it worked out nice for us.

[Kuyuk]

I take home about $2500 a month

$ 830 rent
$ 550 student loan
$ 338 car
$ 170 insurances [car/renters/motorcycle]
$ 110 Phones
$ 65 Internet
$ 480 Credit Cards
$ 127 Wife's Student Loans

I know we got other bills, can t think of them currently...

We're poor. It's OK, we're like 90% of america living paycheck to paycheck.

[Keller]

17,000 / month between the wife and I.

1500 into 401ks (1100 mine, 400 hers)

15,500 taxable
- 6100 in withholdings

9450 after taxes

1800 in student loans
1650 for rent
180 for phones
100 for utilities
90 for cable/internet
500 for groceries/eating out
200 entertainment
500 for "car savings"

We've not set up separate accounts for vacation, etc savings -- but that seems like a decent idea. We do earmark 500 per month as our car savings because we are carless (saving parking, insurance, gas). We subtract our Zipcar rental fees and metro fees from the account. What's left goes toward buying a car in a couple of years when we move out of the city.

[diethx]

17,000 / month between the wife and I.

:drool:

[Parkbandit]

I gross about 7000 a month.


Perfect example of Government waste at it's finest.

[Kranar]

My life style seems very bizarre to others and yet makes perfect sense in my mind. I'm 24 years old, owned a business as of October 15th 2007, and still feel like I'm just figuring everything out. Learned more in the past year about life, math, science, politics etc... than I ever did in University.

Rough budget since March 2008 (the month when I paid off all of my debt including my business debt):

+80k, average gross income per month.
-31k, government's cut.

-700, rent for a very small bachelor apartment with utilities included. I am saving up for a house but I refuse to ever go into debt again after the stress and just really bad experience it put me through as a student. Until I can buy my dream house with straight up cash, I will stick to living here. It's in a nice downtown location anyways.

-110, metropass. As I said I live in downtown, and I'm less than a minute away from a subway station. I never felt the need to own or drive a car and to be honest I always felt like driving brings out the worst in people anyways. Not to mention that while I do most of my work from home, my office is like a 10 minute walk.

0, phones. I do not personally own a phone, not a cell phone and not a home phone. I do have a phone at work but I rarely use it and keep it off most of the time anyways, occasionally checking it for voice messages. I find phones to be a major source of distraction and have come to believe that they actually result in a loss of productivity. I've pissed people off, professionally, about not owning a phone and I don't care. I do use e-mail though.

-200, Internet/cable T.V.

-3k to -4k, food. I pretty much eat out everyday and I often bring in lunch for my employees. On top of that you can believe that when I'm out with a group of friends I'm the one who gets the tab.

-2k, travelling. I travel a lot, maybe once every 2 to 3 months. Newfoundland was in August, went to New York in October, going to Las Vegas for the U.S. thanksgiving. Next year I'll be going to Beijing, Tokyo, and a trip around Europe.

-3k. Charities. I donate to local hospitals, Worldvision, UNICEF on a monthly basis and I also make one time donations to various charities on a per month basis. Tax deductible I might add.

-100, games and gaming subscriptions. Now that I think of it I should cancel that Gemstone subscription.

The rest of the money goes into a personal trading account where I have some of the algos I use as part of my business manage my money on a much smaller scale. Also I consider it a trading account as I do not really invest.

I am saving up for a house and more importantly just saving up for if a disaster happens. In all honesty a lot things just happened real fast and all of a sudden and things are continuing to explode... I often hear stories of other people who entered into this business, let it get to their head, get all wreckless about how to manage themselves and ended up broke. There's the saying that as quickly as it comes, as quickly as it can go.

[Keller]

Kranar, what is your compensation structure?

Is that a salary? Will you get a bonus on top of it?

[Hulkein]

Kranar, please expound as to how you run a business without a phone. I am genuinely curious as to how this would work, heh.

Edited to add: I know you have a work phone but how would someone get in contact with you if you were home and something happened? Or if you were out? I am a big fan of not having a cell phone, personally, but not even a house phone?

[Sean]

Without breaking down into specific numbers about 60% of my takehome goes to expenses/bills. The other 40% I use for things like food, gas, etc. But the majority of the 40% is probably invested in my social life and going out enjoying myself. I'm more of a enjoy now type than save for later which may very well bite me in the ass but at this point in time I enjoy my life.

[Moist Happenings]

Roughly

+13500/month gross when you do the math (It's not consistent. That's the average)

+830/month publisher advance (again, division of yearly)

- $7425 set aside for Luxury tax (overestimation)

- $1100 Apartment, utilities included

- ~$500 - travel

- $50 - Cell phone (not active at the moment)

+ some decent amount of savings interest

- $100 - Food.

- $250 - Entertainment (Gemstone. Bar. Movies. Et cetera)

[Snapp]

Some of you people make too much fucking money. Christ.

[Moist Happenings]

Some of you people make too much fucking money. Christ.

In our parents' generation, rich people listened to classical music. In our generation, rich people play classical video games. :grin:

[SpiffyJr]

Umm, I only gross about 4.5k a month as a software engineer. I'm 25 and been working for about a year now. I realize my pay is 1-2k less than the typical software engineer but I live in one of the cheaper cities in America and it sits at about 80ish percent of the national average.

Rent 565
Car 335
Student Loan's 300
Insurance 100
Utilities and Internet ~100
Savings 200-800 a month
Gaming 30 or so
Entertainment, not much 50 or less

And whatever's left usually goes to my fiancé whose getting her masters as a civil engineer. She'll be the bread winner so I can start my own business someday... at least I hope.

[Kuyuk]

where the fuck do you people work.


I need to get out of the kitchen.

[Keller]

where the fuck do you people work.


I need to get out of the kitchen.

I dropped 150k into a post-grad degree and I work 70+ hours/week.

I'd gladly take 25% off of my pay and work 25% less hours. But it's not possible.

[Jorddyn]

where the fuck do you people work.


I need to get out of the kitchen.

Smart + further ed + good job + lots of hours = nice paycheck

[DCSL]

I'm another one of the poor, until I get out of school.

4000-5000 gross a month between me and my boyfriend. My income is widely variable.

700 rent
100 utilities
110 car insurance
250 debt
100 phones
500 savings
400 food (For some reason, I seem to be feeding my friends too...)
70 dogs
200 give or take on concerts (I go to lots. Some free because I know the guys but most not.)
200 gas (Do a lot of driving, until they open the new stop on the Lightrail.)
150 various memberships and services like internet, gym, and games

Didn't put in what I pay in taxes and medical/dental/vision because I don't remember off the top of my head. Anything left over is also popped into savings or... randomly spent on electronics and guitar gear. Sigh.

[Moist Happenings]

Smart + further ed + good job + lots of hours = nice paycheck

Laziness + Procrastination + Casino = Profit.

[Kuyuk]

<Smart + further ed + good job + lots of hours = nice paycheck>

Not always.

Depends on sector of employment.. any foodservice doesnt make shit for money. Except fat men on TV yelling BAM, who sell out to Martha Stewart for 45m cash - lucky fucker.


K.

[Amber]

Just kinda curious here, but don't any of you budget in donations?

[Mighty Nikkisaurus]

Just kinda curious here, but don't any of you budget in donations?

I don't donate a lot of hard cash, truthfully. I volunteer my time, and I give stuff I don't use/want to charity.

[Moist Happenings]

Kranar did. Kranar did enough for all of us.

I also don't list mine, but I give to a number of charities for luxury tax breaks. Differs every year the amount though, and I don't budget it in on a monthly basis.

[DCSL]

I also tend to volunteer rather than give hard cash. I volunteer at a couple of animal shelters around the city. And, having once eaten at one as a runaway teenager, I also work at a soup kitchen sometimes. But yeah, nothing monthly in the way of money.

[Suppa Hobbit Mage]

My monthly gross earnings run around $8,200, after taxes and deductions I net $4,700. (deductions are for 401k, charities I automatically get deductions for, vision/health/dental and ESPP)

4700Net income1800Mortgage600car500truck150cable/phone/internet160Utilities80Gemstone300Dogs75prescriptio ns300groceries500bars 235

[Daniel]

Perfect example of Government waste at it's finest.

Hey...how's that go?

I'm gonna need to start charging you for rent. I do it right Gan?

[Sean]

Just kinda curious here, but don't any of you budget in donations?

If by donations you mean tips to my bartenders then yes I've included it in my budget.

[Solkern]

If by donations you mean tips to my bartenders then yes I've included it in my budget.

You aren't suppose to tip where I live
It's considered a sign of disrespect or some shit.

I Have to declare what I make at the end of the year to the IRS.
I don't get taxes taken directly out.

[Kuyuk]

I NEED charitable donations, not give them out, so no, I dont budget them, because then I would not be able to feed my fam.


K.

[The Ponzzz]

You guys that are rocking the 80k-100k+ gross household income... What are your long term goals? Do you see yourself making more?

When I was in Rochester, my girlfriend and I were grossing a touch under 70k and I felt rich. If we were grossing over 100k a year I'm not sure what we'd do with the majority of the money. I guess retirement and seeing the world.

[Daniel]

You guys that are rocking the 80k-100k+ gross household income... What are your long term goals? Do you see yourself making more?

When I was in Rochester, my girlfriend and I were grossing a touch under 70k and I felt rich. If we were grossing over 100k a year I'm not sure what we'd do with the majority of the money. I guess retirement and seeing the world.

That's actually a pretty good question.

I've spent my entire life in public service and I can't really imagine myself doing anything else. I've spent most of my life in operations, but the last 3 years I've been in DC working on the policy side which is great but it's not where my heart is at.

However, at the end of the day I won't be making much more than I am currently. If I bust ass, work hard and do great things I can maybe look at making 130k a year in like 5-10 years. It's cool that I get paid a lot of money to do something I enjoy and believe in but it's not what drives me. I'd much rather do something I felt was important and make pennies than do something that makes me want to stab myself and make bank.

Right now my life is trying to find the balance of finding things that will keep me interested (dangerous, exciting, engrossing work) while at the same time setting myself up for the future (not so much) if I do something like lose a leg.

The next natural step is probably a civil service position in the national security system but I've also been contemplating going to the political route but that may require me to go get a PHD or some other shit. So, that may end up being something I do after I spend a few more years in a warzones and (hopefully) get that out of my system.

[Moist Happenings]

You guys that are rocking the 80k-100k+ gross household income... What are your long term goals? Do you see yourself making more?

When I was in Rochester, my girlfriend and I were grossing a touch under 70k and I felt rich. If we were grossing over 100k a year I'm not sure what we'd do with the majority of the money. I guess retirement and seeing the world.

I'm almost definitely the odd man out here but now that I've built up a significant savings buffer I see myself making less and less. I don't need much, and once I pay off my mother's house and buy one of my own I won't really need much of anything for the next ten years. I almost never take loans out for anything, so my upkeep costs are usually very low.

[Deathravin]

I've never been in debt.

I drive the same car I paid off in high school. I always pay off my credit cards 100% every month; except one that I'll buy about 500 on then pay off with minimum payments.

I feel to about 100 dollars in the bank after my wedding.
Times have been tighter since my wife stopped working for medical reasons.
But last month I didn't have enough in my account to pay one of my CC off 100%. I had to leave about 1500 on it.

This month I have mad overtime, so I think I'll break back out into the green... but life is going to catch up to me eventually.

Two years ago I vowed that if anything else makes my car not start properly, and I can't fix it myself with <200 dollars, then I'm getting a new one. Honestly, I've been waiting for a plug-in hybrid or flat out electric car to come on the market... but it looks like I'll have to settle for a Prius and make it a plug-in myself at the rate my car is dying...

So when my car dies, I'll be in debt for the first time in my life. That's a pretty scary thought to me.

[Tsa`ah]

Since I pay myself quarterly ... nothing is set in stone.

Gross monthy income; household (averaged) = 61,800

8,000 - retirement savings/investment
5,000 - charity (Habitat, Children's Memorial, HRC, PCA, and CASA)
3,000 - Mortgage (nine more months)
1,625 - Insurance (all)
527 - Medication
450 - Total Utility + Cable/internet

Eh ... frivolous crap, food, clothes (two growing girls) and we're looking 20k per month in spending. After the mortgage is paid in full we'll drop down to living by our initial rule of a 50k a year budget. That doesn't count retirement or charitables.

The remainder I've been socking away for start up capitol for a future endeavor


You guys that are rocking the 80k-100k+ gross household income... What are your long term goals? Do you see yourself making more?

Early planning and investigation stages right now, but the long term goal (maybe 5 years to start) is energy farming.

Small foot print wind turbines in ag fields, solar ... sort of waiting on the next gen simply because of the massive foot print. Utilizing capped land fills for non food based bio-diesel, ethanol, and electrical production.

To answer the second part of your question yes, but at the same time no. If it's possible I'd like to see every aspect utilized to drastically reduce local utility costs, invest in electrical/hybrid transportation research and augment domestic humanitarian efforts. I've a long list of "want to do"s and I'd be more than content bringing home what our next administration would consider the line for wealthy.

[Kuyuk]

what the hell do you do for a living? damn.

[Daniel]

He owns a hotdog stand. Don't you pay attention?

[Stretch]

IIRC, Tsa'ah's wife is a psychologist.

He also looks like a lumberjack, so I assume that's what he does for a living.

[Kuyuk]

I always thought those would be profitable...

Stand cost = $3500
cost per hotdog = .35
cost per bun = .17
cost per wrapper = . 04
toppings = .05 each
total cost per dog = .61 ish

cost of a dog = $2-$4...
revenue per dog = 1.40-3.40...
sales per hour = 10-60
operational hours per day = 6 -8 (11am-7pm)
total dogs per day = 60-480..
potential cash flow per day = $120-1600...

Has the potential...

[Hulkein]

He gets paid a dollar per argumentative post.

[Stretch]

I always thought those would be profitable...

Stand cost = $3500
cost per hotdog = .35
cost per bun = .17
cost per wrapper = . 04
toppings = .05 each
total cost per dog = .61 ish

cost of a dog = $2-$4...
revenue per dog = 1.40-3.40...
sales per hour = 10-60
operational hours per day = 6 -8 (11am-7pm)
total dogs per day = 60-480..
potential cash flow per day = $120-1600...

Has the potential...

The problem is that presumably sales are really only good between 11 am - 1 pm and 5 pm - 7 pm. Also not sure how much it costs to get a license to be a street vendor, but I assume it's a lot.

There's gotta be a reason that Achbar chooses to drive a cab instead of selling weiners.

[Keller]

You guys that are rocking the 80k-100k+ gross household income... What are your long term goals? Do you see yourself making more?

When I was in Rochester, my girlfriend and I were grossing a touch under 70k and I felt rich. If we were grossing over 100k a year I'm not sure what we'd do with the majority of the money. I guess retirement and seeing the world.

I'll continue doing what I'm doing until I get fired or quit getting promoted. I'll likely stick around a couple of years after I stop getting promoted to milk the money train a little longer.


Then I'll probably try to teach at some mid-tier law school or maybe work for the IRS Office of Chief Counsel. Both would be a significant downgrade in pay and also hours.

[Sean]

You aren't suppose to tip where I live
It's considered a sign of disrespect or some shit.

I Have to declare what I make at the end of the year to the IRS.
I don't get taxes taken directly out.

If I recall correctly from my trips over to Europe it wasn't a case of respect it was a case of servers making a living wage and service being included in your bill.

[Kuyuk]

<The problem is that presumably sales are really only good between 11 am - 1 pm and 5 pm - 7 pm. Also not sure how much it costs to get a license to be a street vendor, but I assume it's a lot.>

Depends on the city... NYC, any hour between 10-8 would be OK... smaller cities not so much. I dont know about city costs, but it wasnt too horrible in a smaller city near where I grew up, something like $20/day?

K.

[Suppa Hobbit Mage]

I find that the more I make, the more I donate and spend. I definitely spend more on myself (who needs two cars right?) and definitely donate more (work makes it easy to do it automatically from your paycheck). I've maxxed out my 401k and ESPP. I dabble with some funds in a market, but I consider that gambling, and since my 401K lost 1/3 it's value in the past 6 months, I've actually started putting more and more into savings.

Sad thing is, more I make, the less happy I seem to be lately.

[Sean of the Thread]

You guys are just making me feel like shit right down the line rofl.

[diethx]

<The problem is that presumably sales are really only good between 11 am - 1 pm and 5 pm - 7 pm. Also not sure how much it costs to get a license to be a street vendor, but I assume it's a lot.>

Depends on the city... NYC, any hour between 10-8 would be OK... smaller cities not so much. I dont know about city costs, but it wasnt too horrible in a smaller city near where I grew up, something like $20/day?

K.

I'd think that in NYC you'd have lots of awesome late night sales as well, especially after the bars close. Then again you wouldn't be the only place open after the bars close, so who knows. Depends on how good your dogs are. :D

[Stanley Burrell]

IIRC, Tsa'ah's wife is a psychologist.

He also looks like a lumberjack, so I assume that's what he does for a living.

Yeah, Tsa`ah is jacked. If only I were a woman, or found striking similarities between dudes and lumberjacks.

[Tsa`ah]

I switched from the standard lips and assholes to kosher beef ... it was a lucrative move.

[Hulkein]

Kosher dogs are so much better.

[Daniel]

Kosher dogs are so much better.

QFT

[The Ponzzz]

Hebrew National FTW!!

[SHAFT]

I'd need my accountant to post the budget. What was the point of this thread? Lets just say I have a bank account that never runs out of money.

[diethx]

Hebrew National FTW!!

No kidding, even if they cost something like 6 bucks per package.

[Mabus]

My budget just went through the roof!

Look at this email, I must be lucky!


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[Drisco]

My mommie gives me 1'000$ a month.

350$ Gas
150$ Food
250$ Cloths
20$ WoW

The rest I give to her and she puts it in my portfolio.

[Bobmuhthol]

I make approx. $480/mo during the semester, will be $1820/mo in the summer. During the semester I try to spend no more than I make on food, going out, buying random shit, etc., but nothing gets budgeted.

[Kuyuk]

Jesus Christ I can remember when this thread came out.

And the sad thing is, when I did my bank statement assessment today I was like "Oh, I wonder how it matches up vs the budget I once posted on the PC! And if the spends are comparable to others in each category!"


http://i49.tinypic.com/29dajxw.jpg

[AnticorRifling]

I have no idea. I just ask if I can buy something and I'm told yes or no.