No. of Recommendations: 4
Guys - the whole back and forth between you with the "he/she thinks this about me, and I think this about him/her" is irrelevant to this board and to the financial picture, except in that it seems to indicate you probably might have a hard time getting on the same page about money since there seems to be some tension in the marriage. Honestly - as someone said before - this isn't a marriage counseling board. Forget what someone out here in cyberspace might think of one or the other of you...

To the issue at hand.

First of all - it's GREAT to see the hard numbers. Yeah! for you for knowing what those are. Some people who come here don't know that stuff. Now - on to the numbers...

I think, as I said before, the grocery budget is very reasonable especially if it includes non-food items like cleaning products and toiletries. BUT...I think there are categories missing that represent potential holes, and as such money drains. It's super easy to forget categories when starting to budget. Here are some that I have that you seem to not list:

- Clothing: even if yard sales, and Goodwill, there will be something, especially with growing kids.
- Home repair or yard work costs
- Pet costs (vet, food, supplies, etc)
- Entertainment: It's not realistic for it to be zero, and even the most frugal of us has something to budget here. Netflix, movies, newspapers, eating out, etc.
- Car repair (your vehicle budget may not have enough for this). An irregular expense, but an inevitable one that should be budgeted for.
- Travel: A luxury item, but probably there might be something once a year for this, even if it's just extra gas to visit family at Thanksgiving.
- Personal care: haircuts, unless you do all your own; gym, etc. Again., most of this can be cut out, but if you do have it don't overlook it.

Definitely keep up the life insurance...

So - yes you are probably right in that your income may not be enough to cover all of this. Your mortgage(s) are 50% of the take-home pay, which is steep. $2482/month seems kind of low for an experienced teacher. I would look at the deductions and withholding and see if maybe you are taking out too much. I would also stop 401k savings for now until you can get finances straightened out as far as budget and debt. Second jobs are probably a good idea - and I would think as a teacher tutoring might be one possible option that could help boost income. Perhaps there are also other districts nearby, or charter schools or something that might pay more? Shop the market. I say that, of course, knowing you may already be doing that.
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