Have I missed anything on my monthly budget list?

[NickB79]

I'm trying to make sure I haven't missed anything so far, so here's what I've accounted for:

Mortgage
Electric
Groceries
Toiletries/Cleaning Supplies
Car Insurance
Life Insurance
Heating and Hot Water
Septic
Cellphone
Internet
Cable
Car Payment
Student Loan Payment
Netflix
Garbage
Home Repairs and Maintenance
Gas
Savings
Car Maintenance
Medical Co-Pays
Entertainment Funds
Clothing
Diapers and Baby Supplies

I feel like I'm forgetting something. Does anything stand out as missing on my list that a normal married couple with a toddler would be paying for? We don't need daycare, so that's not listed.

[MiddleFingerMom]

1. Fun

.
.
.
Even if it's five dollars so the three of you can go out for ice cream.
.
.
.

[NickB79]

2. LOL, yeah that does get lost sometimes, doesn't it?

But I did include "entertainment" in my list already.

[harmonicon]

3. Bourbon?

My budget is something like this:

bourbon
rent
food
cigarettes
other bills

Is there something I've left out?

[HeiressofBickworth]

4. Water?

We pay for water coming into the house. Your item of "hot water" only covers, well, hot water. "Septic" is the water leaving the house.

[NickB79]

7. We're on a private well, so I didn't list water

Technically, our water bill is part of our electric bill, since it requires electricity to run the lift pump and pressure tank. The septic is for the bi-annual pumping of the septic tank in the backyard.

[canoeist52]

5. Trash pick-up? We have to privately contract for ours.

[canoeist52]

6. oops, I see you have it as garbage.

[a2liberal]

8. any memberships or magazine subscriptions?

Or how about your DU star? :-P

[NickB79]

9. Good point, I spend $200/yr on zoo and arboretum memberships. nt

[a2liberal]

10. gifts

holiday, birthday, wedding, etc.

[HopeHoops]

11. Beer and birth control

[madmom]

12. ICE CREAM.... never forget ice cream!

[RebelOne]

13. Home insurance? n/t

[NickB79]

15. Part of the mortgage escrow. NT

[grasswire]

14. retirement account

just sayin'.....

[NickB79]

16. HAHAHAHAHAHA, good one.

Oh wait, I did budget that in. It's whatever spare change my 2-yr old picks up when we go to the park

[grasswire]

18. my mother admonished me many years ago to save a nickel out of every dollar

Gee, I wish I had done that. Would have been easy most of the time.

[Mosby]

17. do you have any pets?

[laundry_queen]

19. Bank fees?

I know some places have free checking but my bank doesn't and I pay about $11/month for unlimited transactions.

[NickB79]

24. I closed my bank account at TCF when they started charging a fee last year

And I specifically asked to speak to the bank's manager, told him why I was cancelling my account, and that I was transferring it to a no-fee credit union.

[MrsBrady]

20. medicine

prescription or over the counter?

sometimes over the counter stuff can add up quick...and if you've got kids...well...

[Bertha Venation]

21. Damn, bud...

I'm not a parent, so I can't fully understand, but that sure sounds like enough to me... best to you and the other half.

[Sedona]

22. Haircuts?

[quakerboy]

23. Beer and travel money, and many experiences

[noamnety]

25. gifts

birthdays and other holidays for the three of you, plus office/extended family gifts if needed.

maybe occasional appliances, unless you cover that under home maintenance - like coffee pot kinda stuff.


oooh - and depending how the entertainment goes, maybe legal fees.

[TrogL]

26. Animal food

Even if you don't own an animal, toddlers seem to love it.

[surrealAmerican]

27. Health insurance?

You mentioned co-pays, but what about the premiums?