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Help with Budget and Possible Job Change?


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  #1  
April 23rd, 2012, 10:22 AM
Mommy of Four!
Join Date: Nov 2011
Location: Georgia
Posts: 140
I will possibly be changing jobs May 1st. I am thinking about accepting a position at a smaller school that is closer to my home. I will be dropping pay quite a bit, but the hours are better and it's not so far from my house. What will I need to change or cut down on if my pay changes? I really want to accept this position; I just need to know if I can financially do it.


Income
Your income: $1684.00 monthly Will drop to $1240.00Dh/SO's income: N/A
Other income: $1,100.00 monthly in childsupport

Living expenses
~Rent/Mort pymt: $1025.00
~Electric: $80.00
~Home gas: N/A
~Water: Included in rent payment
~Cable: $80.00
~Gardener: N/A
~Internet: Included in Cable
~Home phone: N/A
~Cell phone: N/A
~Groceries: N/A
~Other household items: $100.00
~Medical expenses (co-pays, prescriptions): N/A
~Car gas/transportation expense: $240.00 Will drop to $200.00~Car maintenance: N/A
~Car insurance: $86.00
~Other insurance: N/A
~Child care: $315.00 already deducted from my income Will be $0.00
~Diapers: N/A
~Other baby expense ______N/A_____:
~Preschool/schooling: N/A
~Pets: N/A
~Eating out: $400.00-Eat out alot because I work until almost 7pm and can't cook dinner. Working on cutting this down as we speak!~Entertainment: N/A
~Spending/pocket money: $100.00
~Misc spending:
~Other ____________:
~Other ____________:

Debts-Please list minimum payment, amt you usually pay, balance, interest rate. If you are past due or have special financing (0% interest), please indicate that as well.
~Car payment #1: $315.00- 9% interest rate- need to refinance as stated in divorce decree but haven't yet.
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  #2  
April 27th, 2012, 04:52 PM
mommy2Breana+Brandon's Avatar Platinum Supermommy
Join Date: Dec 2006
Location: PA
Posts: 39,401
I would def. cut back on the eating out part and is thte $100 spending $$ for the month??

I would refinance and see if you can get a loweer car payment. but also remember if you stop from eating out you will need to count in groceries. I would coupon and shop discounted stores for as much of the groceries that you can.

Good luck in your decision. I think it would benefit all around.
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  #3  
May 22nd, 2012, 07:34 AM
mommy2Breana+Brandon's Avatar Platinum Supermommy
Join Date: Dec 2006
Location: PA
Posts: 39,401
Kody, what was your decision?
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