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Mom Confessions Mom Confessions

We bring home 5k a month and are still negative.

Posted by Anonymous   + Show Post

My husband brings home 5k a month and not only are we ALWAYS negative in the bank, half are bills don't get paid. Sadly we don't even have many. Rent, utilities, cell phones, and car insurance.

He thinks it's because I spend to much and I think it's because he spends to much.

I sure as hell am NOT going to cut down on spending if he doesn't. I deserve to get things I want too.



Posted by Anonymous on Feb. 22, 2013 at 8:35 PM
Replies (261-270):
afwifeandmommy3
by on Feb. 23, 2013 at 3:06 PM
Then get a job .
Posted on CafeMom Mobile
Anonymous
by Anonymous 1 - Original Poster on Feb. 23, 2013 at 3:14 PM

I probably wouldn't live off your husbands salary. Before my husband started making this much, I made him work 2 jobs.

Quoting alandou:

I would hate to see how you would react if you lived off of my husband's salary...



Devious333
by Ruby Member on Feb. 23, 2013 at 5:55 PM
It depends on where you live. Where I am, that is good money. If you live in Cali, that's not good money.

Quoting 14LVL:

 Correction, $5,000 a month and 60,000 a year ... not such great money to support 2+ people on ... unless you live in Thailand.


Quoting Devious333:

$60k a month where I live is good money.

 

Posted on CafeMom Mobile
rosie211
by Gold Member on Feb. 23, 2013 at 5:57 PM

You need to pay your bills before spending. Here is the order you do: bills, food and then extras. Budgets are your friend. You both need to be on the same page with the budget. How about neither of you spend until after you do the budget, pay the bills, get the groceries. Then go have some fun. You both sound very irresposible. Will all that money, I would have zero debt and tons of savings. Good luck. 

rosie211
by Gold Member on Feb. 23, 2013 at 6:14 PM

Good for you all! It is nice to read some of the replies where people have their head on straight! We have gone from dh bringin home 800 a week to 400 a week and we are still doing great. It is all about budgeting, making good choices and careful planning when you do make purchases. :)

Quoting LaughingTattoo:

 Lol....no. Its called excelllent credit and great spending/savings habits. We own a house and our payments with taxes and insurances is only 340. We DID have 3000 a month to live off from but Im on bedrest and only getting unemployment (was let go right before dr put me on bedrest) and DH is in Grad school, working PT, and writing 3 journal articles. Its only a temp financial strain. BUT we have lived like this since Oct and will until April.

Its not too bad if you have your head on straight


Quoting Anonymous:

Do you live in a shed?


Quoting LaughingTattoo:

We make 950 a month, recieve NO assistance, and still manage to pay ALL our bills. WTF?






Anonymous
by Anonymous 34 on Feb. 23, 2013 at 10:01 PM
Not everyone gets bah. Although the bah here is $1000.

Quoting Anonymous:

he's an e6 with 10 years in, we pcsed last year so bah changed from 1200 to 1400 in July and we also made about a thousand on the partial duty move, which is also income. I know how to read an les... under the ytd entitlements...









And its not possible that your dh only made under 30k last year. Base pay alone is 27,000. Non locality BAH... base line bah without a location for e4 is 704.90 for 2012. Bas was what 325 last year? So that's another 12,000 so your dh made at least 40,000 last year and that's if he wasn't deployed or had any other special pays.












Quoting Anonymous:

My DH made under $30k last year, he is an E-4, in for four years last year. Sorry but unless you tell us your dh rank and how long he is in for, I call Bs!









Quoting mylifemylove864:

Oh no, you are absolutely right about that... military families have no clue how easy and good they have it. There were just a few discrepancies that I wanted to correct. As women on here are crazy and take things so literally. :)













Military families have it very good.
















Quoting SoltaniMommy:

I speak from my own experience as a DoD contractor.  

When I left my position... The transition was daunting.  I had just realized how catered the military really is.

My first point of business, was healthcare.  For my family of 5 costs me $2000 a month, where before it was a fraction of that... Cosmetically.

Then when it came to housing, that BAH you speak of is still money given to you by the government.  CONUS you live beneath BAH you get to pocket the rest.  OCONUS not so much.  So really it depends on whether or not you live above or below your BAH.

and then some, but this is (again) based on my observation and experience.  Things may have changed since 2010.









Quoting mylifemylove864:

Well some of that is true. Most housing is privatized and your BAH is just taken for your housing and utility is capped So if you go over you pay for it.















You receive BAH whether you live in housing or not. Medical is free but dental is not. Tax.free shopping is really no big deal... but commissary privileges are a big deal.























Quoting SoltaniMommy:

The military has a different lifestyle...

tax free shopping free healthcare and dental.  If they live on base, then free rent and utilities... Etc.

Military cannot be compared to civilian life.









Quoting mylifemylove864:

Lol that's not true at all. A married private makes 30,000 a year.



















My DH is enlisted and made 68,000 last year.



























Quoting Anonymous:

Really? Military only makes $15,000-30,000 a year :/

Quoting MalakbelLacuna:

this also

60k is a joke in my area if you want to live comfortably

Quoting wkukid:

It's only 60k a year. That's not much anymore.















































Anonymous
by Anonymous 34 on Feb. 23, 2013 at 10:06 PM
I'm not the other poster but my dh is an sra and he deployed last year and brought home $42000. We got bah, too. So i believe it that there are others who make Less than that

Quoting Anonymous:

he's an e6 with 10 years in, we pcsed last year so bah changed from 1200 to 1400 in July and we also made about a thousand on the partial duty move, which is also income. I know how to read an les... under the ytd entitlements...









And its not possible that your dh only made under 30k last year. Base pay alone is 27,000. Non locality BAH... base line bah without a location for e4 is 704.90 for 2012. Bas was what 325 last year? So that's another 12,000 so your dh made at least 40,000 last year and that's if he wasn't deployed or had any other special pays.












Quoting Anonymous:

My DH made under $30k last year, he is an E-4, in for four years last year. Sorry but unless you tell us your dh rank and how long he is in for, I call Bs!









Quoting mylifemylove864:

Oh no, you are absolutely right about that... military families have no clue how easy and good they have it. There were just a few discrepancies that I wanted to correct. As women on here are crazy and take things so literally. :)













Military families have it very good.
















Quoting SoltaniMommy:

I speak from my own experience as a DoD contractor.  

When I left my position... The transition was daunting.  I had just realized how catered the military really is.

My first point of business, was healthcare.  For my family of 5 costs me $2000 a month, where before it was a fraction of that... Cosmetically.

Then when it came to housing, that BAH you speak of is still money given to you by the government.  CONUS you live beneath BAH you get to pocket the rest.  OCONUS not so much.  So really it depends on whether or not you live above or below your BAH.

and then some, but this is (again) based on my observation and experience.  Things may have changed since 2010.









Quoting mylifemylove864:

Well some of that is true. Most housing is privatized and your BAH is just taken for your housing and utility is capped So if you go over you pay for it.















You receive BAH whether you live in housing or not. Medical is free but dental is not. Tax.free shopping is really no big deal... but commissary privileges are a big deal.























Quoting SoltaniMommy:

The military has a different lifestyle...

tax free shopping free healthcare and dental.  If they live on base, then free rent and utilities... Etc.

Military cannot be compared to civilian life.









Quoting mylifemylove864:

Lol that's not true at all. A married private makes 30,000 a year.



















My DH is enlisted and made 68,000 last year.



























Quoting Anonymous:

Really? Military only makes $15,000-30,000 a year :/

Quoting MalakbelLacuna:

this also

60k is a joke in my area if you want to live comfortably

Quoting wkukid:

It's only 60k a year. That's not much anymore.















































Anonymous
by Anonymous 54 on Feb. 23, 2013 at 10:24 PM

With my new job we make 1k less than you. I have only been at my new job a month though. So we are still using our tight budget. Love having the feeling that we are saving to take control of our lives. Even though it seems that we are just at the top of the poverty group since the middle class keeps moving up.

momwith2monkeys
by on Feb. 23, 2013 at 10:29 PM
You need to make sure all of tour bills are paid before you buy stuff you want. Then you both need a set amount that you are allow to spend on yourself. The rest needs to be saved.
Posted on the NEW CafeMom Mobile
Anonymous
by Anonymous 36 on Feb. 23, 2013 at 11:17 PM
Every married active duty or agr soldier gets BAH or OHA and if they get OHA they also get COLA, which is also income. Which is why I said that a married private makes $30,000.

I am not sure of the rules for unmarried parents, I think that as long as they have some kind of split custody that get BAH at the With dependents rate but I'm not sure about that.


Quoting Anonymous:

Not everyone gets bah. Although the bah here is $1000.



Quoting Anonymous:

he's an e6 with 10 years in, we pcsed last year so bah changed from 1200 to 1400 in July and we also made about a thousand on the partial duty move, which is also income. I know how to read an les... under the ytd entitlements...











And its not possible that your dh only made under 30k last year. Base pay alone is 27,000. Non locality BAH... base line bah without a location for e4 is 704.90 for 2012. Bas was what 325 last year? So that's another 12,000 so your dh made at least 40,000 last year and that's if he wasn't deployed or had any other special pays.















Quoting Anonymous:

My DH made under $30k last year, he is an E-4, in for four years last year. Sorry but unless you tell us your dh rank and how long he is in for, I call Bs!











Quoting mylifemylove864:

Oh no, you are absolutely right about that... military families have no clue how easy and good they have it. There were just a few discrepancies that I wanted to correct. As women on here are crazy and take things so literally. :)















Military families have it very good.



















Quoting SoltaniMommy:

I speak from my own experience as a DoD contractor.  

When I left my position... The transition was daunting.  I had just realized how catered the military really is.

My first point of business, was healthcare.  For my family of 5 costs me $2000 a month, where before it was a fraction of that... Cosmetically.

Then when it came to housing, that BAH you speak of is still money given to you by the government.  CONUS you live beneath BAH you get to pocket the rest.  OCONUS not so much.  So really it depends on whether or not you live above or below your BAH.

and then some, but this is (again) based on my observation and experience.  Things may have changed since 2010.










Quoting mylifemylove864:

Well some of that is true. Most housing is privatized and your BAH is just taken for your housing and utility is capped So if you go over you pay for it.

















You receive BAH whether you live in housing or not. Medical is free but dental is not. Tax.free shopping is really no big deal... but commissary privileges are a big deal.


























Quoting SoltaniMommy:

The military has a different lifestyle...

tax free shopping free healthcare and dental.  If they live on base, then free rent and utilities... Etc.

Military cannot be compared to civilian life.










Quoting mylifemylove864:

Lol that's not true at all. A married private makes 30,000 a year.





















My DH is enlisted and made 68,000 last year.






























Quoting Anonymous:

Really? Military only makes $15,000-30,000 a year :/

Quoting MalakbelLacuna:

this also

60k is a joke in my area if you want to live comfortably

Quoting wkukid:

It's only 60k a year. That's not much anymore.





















































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