关于每月开销,我和老公有分歧,谁也说服不了说。大家帮我们看看,到底该谁有理?
我觉得家庭开销太大,应该节约些。目标是把每月的
utility控制在$500左右,再是两个人office的午餐要节约在250左右,最后也是最重要的,是每月的额外开销(Additional expenses),要控制在$1000之内。我们家总是莫名其妙地用两千多。每个月都会有些名堂。总之,目标是花钱时要有感觉有些东西不能买,而不能感觉花钱很comfortable,无所谓的感觉。老公却觉得我们家的开销就是这样,没什么可以节约了。已经做得很好了。怎么我觉得处处都可以节约呢?其实两个人工资都可以的,就是存不起钱。btw, 我们在东部MA
Here is last month's spending:
Utility
Nstar 150
iphone 27
Verizon (cable, TV, phone) 118
Waste Management 47
Water 100
Oil 375
Netflix 20
Total $810
Gasline for two cars 500
Home maitenance
Lawn care/snow cleanup 250
House cleaning 120
Total $370
Loan
Best Buy 50
car load 500
car insurance 56
Total $606
Education
piano 200
iceskating 340
golf 400
drawing 100
chinese 50
English 120
Math 200
Daycare
Total $1410
Grocery 1000
Lunch
wife 300
Hu*****and 200
Additional expenses
Chimney fix 500
Comforter 272 (Our state lost power for three days. we had to stay at friend's place due to no heat. therefore, we bought two down comforter for just in case)
logs for fireplace 150
headset and others 130
Birthday 330
Sears to fix snow blow 240 (this is to prepare for winter. In the case if nobody come to clean up snow for us, my hu*****and cleans)
roof thing + fireplace 170
school meal 151
baby sitter 70
medicine 100
daycare 160
cloth 370
Total $2700
Saving
College bond 400
Parents 400
I am budgeting this month's spending, and my hu*****and came up with below proposal "Additional expenses"
Gifts for Kids teachers 100
Gifts for home maintenance people 120
Office gifts (both wife and hu*****and) 60
Other gifts
Hu*****and --> wife iPhone 4s 200
hu*****and -> kids DS 230
hu*****and/wife -> parent Pair of LLB shoes 100
wife -> hu*****and 50
wife -> kids 150
Parent -> kids Some books (parents paid)
Santa -> kids 100
Gift for parents to bring back china 400
Vacation 1000
cloth shopping 300
Total 2810
我怎么就觉得这么贵呢?我说如果圣诞出去vacation, gifts的钱就省了。否则今年
就不出去vacation了。他不同意。
关键我们现在存不起钱。我想趁房价低,存钱再
买个房子。
大家说说谁有理。