I've estimated my income, & hubby's income for the upcoming insurance deductions but I think I've got it worked out! At least I know what I have to work & why!
I am not going to put in amounts, but I'll use % instead
Income 100%
Housing = 20.5%
Utilities = 9.7%
Heat = 2%
Car = 19% (includes savings for new car, fees, gas, maintenance)
Food/Household = 27.5% (includes food, household, allowance, yard maintenance, & entertainment)
Savings EF/house = 7.5%
529= 1.5% (total for both kids, so individually 0.75%)
Debts= 7.5%
Flex = 4.8% (can go to building cushion balance on accounts, paying debts, or other misc purchases)
I have the actual amounts figured for my own use. Now that we are looking at paying off the last "catch up" bill we should be okay.
I am also heading into the other room to get the apartment appliances ready to sell this weekend. We are putting them out front for a Saturday Sale. I am going to put out a bunch of the kids stuff too, just to see what I can get rid of. Hopefully all will go & we won't have anything left, but if we do it'll go to rural ministries or the Salvation Army.
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