hope this isnt too personal, but

what are you average monthly payments between mortgage, water, oil,etc.,...broken down?

and do you have money left over throughout the month to either save or spend?

Re: hope this isnt too personal, but

Mortgage $1130/month
Taxes $800/annually
Home insurance $650/annually
Gas $86/month
Electric $70-90/month
Water $150-200/semi-annually
DirecTV $70/month
Car note $330/month
Car insurance $112/month

I got laid off 2 weeks before we closed on our house and don't plan to go back until after I have the baby. But if I was bringing in my normal salary instead of unemployment, we would save a lot more money. We are actually starting to dip into savings bc my DH resigned from his job to do a legal internship this summer and it's a paycut.

Message edited 5/23/2005 5:24:14 PM.

Re: hope this isnt too personal, but

Here's mine:

Mortgage-$2400
Taxes-$6100 annually
Oil-$250-320 a month in the winter
electric-$90-110 a month
Home insurance-$700 annually

Hope that helps. we have money left over but not a ton of it! I am a SAHM. Things would probably be easier if I worked but we manage so it's okay.

Message edited 5/23/2005 3:08:14 PM.

Re: hope this isnt too personal, but

Mortgage 2,000 a month, that includes our taxes.
Water every 2 months about 150.00
electric every 2 months 200.00
oil about 1600.00 a year, we have a large oil tank.
Cable 85.00 a month
Homeowners insurance about 900.00 a year
and then any extras- and of course student loans, credit card bills.

Message edited 5/23/2005 3:58:07 PM.

Re: hope this isnt too personal, but

Re: hope this isnt too personal, but

mortgage- 2000.00 a month including taxes
oil heat every 2 months 229.00
electric every 65 days 359.00
phone bill house roughly 100.00 a month
water every 90 days 35.00
ridiculous cable bill 82.00 a month
house insurance 700.00 a yr ( this is for 1 house)

extras
car #1 lease 623.00 a month (04 infiniti fx45)
car #2 lease 350.00 a month ( 03 camaro)
car #3 smart buy 599.00 a month ( 05 caddy ext)
insurance 4400.00 a year we pay bi annually forgot to add getting rid of the caddy the gas is insane for 2 SUV's. So with getting rid of that the cost will go down and the insurance too thank god!

cell phones ridiculous 130.00 a month but lately over 200 rahhhhhh

we have extra to save too even after paying CC bills too.

Message edited 5/24/2005 10:30:29 AM.

Re: hope this isnt too personal, but

Re: hope this isnt too personal, but

Re: hope this isnt too personal, but

We moved off LI to Putnam which is a little less expensive. Because of that, we were able to get something nice without maxing ourselves out.

Luckily, we don't have many expenses so we are able to put away about $750 a month. And we're able to dine out and go to movies. Up here, it's so outdoorsy and those sorts of activities are relatively inexpensive (compared to our old habit of dinners and shows in Manhattan)

Re: hope this isnt too personal, but

Re: hope this isnt too personal, but

Its soo expensive on the island. I cant stand it. My stepbrother is moving to PA b/c he cant afford the house anymore. Its really sad to see so many leaving the island and I hear its only getting worst. and they are building houses on top of houses there is NO privacy for the money we pay too!

Re: hope this isnt too personal, but

Expenses--

Mortgage = $2700/month (this includes taxes and insurance... our new house is going to be only $2400/month though, due to rolling all the profit from this house into it! :) )
Electric = don't remember... it's high in the summer due to central air
Gas = $200-$250/month during the coldest months... much lower the rest of the year
Water = don't remember... it's really low in my opinion
Phone/Cell/DSL package = $120/month (it's really $150 but my employer pays the $30 for my DSL)
DirecTV = $50/month
Auto insurance = I think about $135/month
LIRR passes = $400/month

I think that's it-- we own the car outright, no student loans or CC debt. I think the craziest expense is the LIRR, even more so than the mortgage!!!!

Re: hope this isnt too personal, but

Re: hope this isnt too personal, but

Re: hope this isnt too personal, but

Mortgage $2200 /month

Taxes $6000 annually (included in with the mortgage)

Home insurance $600/annually

Gas $90/month

Electric $200/month

Water $200 annually (approx)

Cable / phone $120/month

Car payments $450 /month

Car insurance $1200/ annually

Cell phones $120 /month

NJ Transit monthly ticket $214 /month

Food bills $200 /month

good lord i really need the puking icon

Message edited 5/24/2005 5:12:48 PM.

Re: hope this isnt too personal, but

morgage: $939
Directv will be about $80 I think
water will be about 20-30
electric, not sure, but I'm going to guess around $70-100 depending on season
cell phones: $65
car payment $340
vonage phone $24.99 a month
cable modem $45.95

and yes we will have money left over, not sure how much though

Re: hope this isnt too personal, but

Re: hope this isnt too personal, but

Re: hope this isnt too personal, but

Re: hope this isnt too personal, but