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I also don't see anything for cable tv or internet, and I'm thinking you probably have those, so again, I think you need to go back and find out all the things you're spending money on because this doesn't look complete.

This comment triggered a thought.....

Leftyf - are you not counting things that go on a credit card automatically as 'current month spending'? I know that I don't really think about something like internet service payments as being a regular monthly cost until I look at the credit card bill, because it's automatically billed, so I don't have actually pay a bill.

It might help you to go through your credit card bills for the last few months and see what types of automatic charges are included in your monthly spending, and make sure you have accounted for those things in your list of monthly expenses.

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