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Monthly Necessary Expenses Chart

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Every six months, I take some time to review all my necessary expenses. These are typically housing, food, transportation, insurance, utilities, and loan interest. There's a FAQ below if some of these don't make sense.

October, 2007
Expense Cost
Housing $987
Transportation $200
HELOC $41
Groceries $50
Internet & Cable $43
Gas and Electricity $40
Cell Phone $40
Property Insurance $25
Water $15
Home Phone $7
Total $1448
June, 2007
Expense Cost
Housing $1,049
Transportation $325
HELOC $89
Groceries $50
Internet & Cable $43
Gas and Electricity $40
Cell Phone $30
Property Insurance $25
Water $15
Home Phone $7
Total $1673
April, 2007
Expense Cost
Housing $1,049
Transportation $325
HELOC $107
Groceries $50
Internet & Cable $43
Gas and Electricity $40
Cell Phone $30
Property Insurance $25
Water $15
Home Phone $7
Total $1691
October 2006
Expense Cost
Housing $1,049
Transportation $325
HELOC $143
Groceries $50
Internet & Cable $43
Gas and Electricity $40
Cell Phone $30
Property Insurance $25
Home Phone $7
Total $1712

Q: These seem really low. What's up with that?
A: These represent half our overall expenses. We are a two income family and split the expenses down the middle.

Q: That food budget still seems low, even if it's just for you.
A: The company I work for provides me with lunch and dinner each day. That's a huge savings as you might imagine.

Q: Your transportation costs seem low as well.
A: My car is paid in full, leaving gas and insurance the two major bills. My company is less than 3 miles from my home, which keeps my gas expense low.

Last updated on April 24, 2008.

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