Breaking Down the Budget!

The hardest part about money is the BUDGET!
 
We can all say it is simple. because it is, but that doesn't make it fun.
The best way to make your money work, is to give each dollar a name.  Easier said then done right...

We all know the breakdown.

Bills
Food
Other.

Pretty simple... RIGHT??

However we budget out amounts without TRULY looking at it.

A budget is not a one time thing.  It is a constant changing living document.

This gives some good ideas as to how to start building your budget, but this is my style.

For the next few days I will go over categories

#1 BILLS

these are those annoying things that we ALL must pay... well if we want to keep a roof over our head and heat in our home.

I am gonna list the bills I have at MY house

Daycare

Mortgage

HOA

Power 

Questar

Medical

Car Insurance

Qwest

AT&T

Netflix

 I have tried to list these in importance.
For the most part we can guess what our averages are for each of these items.  Remember how I told you I wasn't going to hold back, well here are my numbers. ON AVERAGE for the last 18 months or so.

Daycare:   $800

Mortgage $1200

HOA        $110

Power      $100

Gas           $50

Medical    $50

Car Ins     $115

Internet     $35

Cell Phone $150

Netflix       $9
TOTAL MONTHLY BILLS $2,619

That does NOT included ANY debt.. which we do have

So now that we have those numbers we will start there.

Start by listing ALL your bills, not including debt, and see what your monthly requirements are just to keep life moving.