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Hi,

The initial impression we were given is that you weren't doing anything, but your earlier post negated that impression, so don't worry.

The items you have listed are the standard monthly expenses, but even from here I know there's a lot that's missing. I don't know how your car or homeowner insurance works, but that's often just one payment a year. Since you know that it's coming, a portion of it should be allocated every month so the money is there when you need it.

How is the house heated? Winter is on the way. And there's Christmas and Thanksgiving, which can mean extra expenses. Those items are something else that should be allocated regularly.

This is all part of the tracking/budgeting process. No one gets it right the first time, but when you keep checking your expenses you can begin the process of getting it right.

Getting into debt wasn't the result of a one day fling. It took time to build the debt, it'll take time to undo the damage. Hang in there.

Nancy
Increase the income and decrease the outgo.
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