The full breakdown,
not the highlight reel.

$3,978.92 for our mortgage payment.

Breakdown

Principal & interest

$3,289.54

Escrow

$689.38

$2,718.59toward minimum payments across six active accounts. Extra principal payments aren't included in this line.

Breakdown

Medical loan

$387.50

Credit cards

$858.00

Car loan

$414.17

Personal loans

$1,058.92

$1,400.00 — includes $1,000 for groceries and $400 for restaurants and drinks.

Breakdown

Groceries

$1,000.00

Restaurants & drinks

$400.00

$1,000.00for schooling, sports, and kids' spending allowances.

Breakdown

Schooling

$500.00

Sports

$300.00

Children's spending allowance (2 × $100)

$200.00

$500.00 miscellaneous — home maintenance, vet visits, school fundraisers, extra date nights, and similar one-offs.

$593.00 for gas, water, electricity, internet, and phones.

Breakdown

Gas

$76.00

Water

$112.00

Electricity

$220.00

Internet

$100.00

Phones

$85.00

$500.00 moved into savings and sinking-style funds each month.

Breakdown

Emergency fund

$25.00

Medical and health

$25.00

Travel

$25.00

Business savings

$25.00

Gift savings

$400.00

Set aside for subscriptions, annual bills, and home care that don't hit every month the same way.

Breakdown

Tree cutting services

—

Quip, Netflix, Disney (annual)

—

Lawn aeration

—

Annual HVAC checks

—

Pest control

—

Other home maintenance

—

Separate discretionary allowances for Nora, my husband, and our two children.

Breakdown

Nora

—

Husband

—

Children

—

$853.28 per month for life, auto, and health coverage.

Breakdown

Life insurance

$88.28

Car insurance

$265.00

CHM (health / medical)

$500.00