SAHM - Money or Lack of - Real People, Real Finances

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Lisa
I'm a 43 y/o SAHM living in Denver, CO with 3 kids - 14 (ds), 3 (ds), and 41 (dh). I used to be a finance manager in my previous life. I can track and budget our income/expenses but I can't get us to STOP SPENDING!!!

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July Budget/Actuals/Fcst

Charity - $35/$0/$35
Clothes - $200/$217/$217
Debt - $60/$40/$60
Entertainment - $0/$49/$49
Food - $800/$667/$800
Gifts - $0/$65/$65
House - $676/$897/$897
Insurance - $1,113/$103/$1,113
Kids - $294/$198/$294
Medical - $0/$20/$20
Personal - $50/$0/$50
Transportation - $150/$101/$150
Utilities - $491/$417/$491

Total $3,869/$2,773/$4,239

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Debt Balances (incl charges through 7/18)

AmEx - $204 (To be paid in full)
BofA - $1,724 (To be paid in full)
Citibank - $6,216 0% interest
HEL - $9,355
US Bank Mortgage - $676/month ($106,697 balance)
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- Date Started: Dec 2, 2007
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