OK,....... We aren't budget people. We don't set aside funds each month toward paying the auto insurance, or entertainment, or buying clothes. We just pay the bill or buy what's needed when we need it.
We probably won't be filing til sometime up in March, maybe April. One attny's office said they don't want ANY CC charges for at least 70 days prior to filing, primarily for the fraud issue, 90 days is better. We've used our CC's for groceries, gasoline, some utilities bills, etc, so much the last year or so, I couldn't even begin to tell you how much we actually spend on those things. So waiting a bit will help us get a true handle on how we actually live.
Figuring for auto insurance is easy. Take the premium we paid and divide by 6. Some other things we can figure out fairly easy as well. Like in addition to our rent, we pay our landlord a monthly amount for propane, and then we'll settle up at the one year point. I only do dry cleaning a couple times a year and those are usually big trips. $100 or so each time.
But how do you budget an amount per month for clothing?? We chatted about this as a family. We don't buy clothes EVERY month. We went back over the last year and discussed the times that we do remember spending money. Usually big shopping trips, items we ordered, and sweats or T's we bought from school. But that doesn't count the times we're out shopping and I throw a package of socks, or T's into the cart 'cause someone needs new socks or underwear. Just on big trips alone, we were coming up with $50/mo/person, but I know it was actually more than that. What's a fair number??
What do other people spend on clothes per month??
Recreation and entertainment are a couple of others. We might go to the movies 1 time a year. Most of the time we rent DVD's. We just wait a bit and the whole family can see a movie for less than the price of one admission. No club or Y memberships. Do daughters' club team swim fees count on the recreation portion??
Getting prepped is tough. I'm so glad we decided and then started to prepare!!
We probably won't be filing til sometime up in March, maybe April. One attny's office said they don't want ANY CC charges for at least 70 days prior to filing, primarily for the fraud issue, 90 days is better. We've used our CC's for groceries, gasoline, some utilities bills, etc, so much the last year or so, I couldn't even begin to tell you how much we actually spend on those things. So waiting a bit will help us get a true handle on how we actually live.
Figuring for auto insurance is easy. Take the premium we paid and divide by 6. Some other things we can figure out fairly easy as well. Like in addition to our rent, we pay our landlord a monthly amount for propane, and then we'll settle up at the one year point. I only do dry cleaning a couple times a year and those are usually big trips. $100 or so each time.
But how do you budget an amount per month for clothing?? We chatted about this as a family. We don't buy clothes EVERY month. We went back over the last year and discussed the times that we do remember spending money. Usually big shopping trips, items we ordered, and sweats or T's we bought from school. But that doesn't count the times we're out shopping and I throw a package of socks, or T's into the cart 'cause someone needs new socks or underwear. Just on big trips alone, we were coming up with $50/mo/person, but I know it was actually more than that. What's a fair number??
What do other people spend on clothes per month??
Recreation and entertainment are a couple of others. We might go to the movies 1 time a year. Most of the time we rent DVD's. We just wait a bit and the whole family can see a movie for less than the price of one admission. No club or Y memberships. Do daughters' club team swim fees count on the recreation portion??
Getting prepped is tough. I'm so glad we decided and then started to prepare!!
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