Unexpected items are more than you budget for them. Did you expect to ever change the oil in the car or buy tires or get hair cuts or buy clothing? Was Christmas a surprise or did you see that coming? Are you going to be shocked when you need new shoes or underwear? Does your girl friend ever need personal items or makeup? Do you pay for laundry or soap? Start expecting things that recur like car insurance and birthday gifts and you will have less unexpected items. I don't remember the last time I had an unexpected item other than a doctor bill I thought was covered but wasn't. Your budget has nothing for doctors, dentist, eye exams, birth control, or medical bills and child care if you choose not to use birth control.
Make a budget and stick to it. Money runs through your hands like water.
your money is going where your not counting
you buy food but don't count that milk your got on the way home
in the morning do you buy coffee doughnut or something
do you eat out at lunch or buy a pizza at night
did you get a drink when you bought some gas
it's the nickle and dime stuff that drains your money
don't see your car insurance on the list or rent
and what about clothes, soap, t-paper, electric bill, cable, internet,
both of you should write down everything every time you spend money
you will be surprised
Based on a common rule of thumb requiring tenants to earn 3X the monthly rent, you might qualify for something $900/month or less, depending on your credit rating.
Do bar in mind living rent free with the parents may be your best and last chance to further your education so you can live a m,ore prosperous life.
Do you or your girlfriend buy coffee everyday or go out to eat while on lunchbreak? Those costs add up quick. Do you have any bills that are automatically subtracted from your accounts? Maybe you are missing those. just some things to consider.
The only way to find out where your money is going is to write down every penny that you spend. You are pissing away nearly $1600. That's a lot of money that you don't know where it is going.
