Somos uma família de seis pessoas morando em Connecticut e ganhamos US $ 144.000 / ano

Bem-vindo ao YNAB Money Snapshots - onde você vê uma imagem real do orçamento e das finanças de outra pessoa. Eles são todos anônimos, porque compartilhar dinheiro ainda é um assunto esquisito para muitos, mas achamos que divulgá-los abertamente faz você melhor com sua própria história de dinheiro.

Ao ler esses orçamentos, lembre-se de que algumas pessoas ganham muito dinheiro e outras ganham pouco, mas sabemos que é isso que você faz com esse dinheiro e como você se sente sobre esse dinheiro significa mais do que qualquer salário anual.

Veja como uma família de seis pessoas em Connecticut com uma renda de US$ 144.000 por ano gastou seu dinheiro em abril.

Sobre

• Nomes: Kara e GG
• Idades: 47 e 52
• Local: Connecticut
• Empregos: Editor de transcrição de controle de qualidade e garantia de qualidade (departamento de defesa)
• Situação de vida: Casado, morando com quatro filhos (dois são estudantes universitários que trabalham, um está no ensino médio e um está no ensino médio)

Renda:US$ 144.000/ano

• Editor de transcrição de controle de qualidade:US$ 30.000/ano
• Garantia de qualidade:US$ 80.000/ano
• Suporte para crianças:US$ 24.000/ano
• Invalidez de VA:US$ 10.000/ano

Economia:US$ 15.000

Dívida:US$ 338.800

• Hipoteca:US$ 300.000
• Cartões de crédito:US$ 8.800
• Painéis solares:US$ 17.000
• Empréstimos pessoais:US$ 13.000

Entradas de abril:US$ 8.721

• Transcrição:US$ 1.288
• DoD:US$ 4.588
• Suporte infantil:US$ 1.952
• Administração de Veteranos:US$ 893 (GG é um veterinário da Força Aérea e sofreu algumas lesões nas costas durante o serviço. Esta é uma adição muito nova ao nosso orçamento.)

Gastos de abril

Orçamento

Categoria	Valor alvo	Observações
Faturas mensais
hipoteca	$2.227
HBO	$16
Elétrico	$103
T-Mobile	$115
Cuidados veterinários	$110	Nossos cães estão em um plano de saúde com o veterinário.
Carros	$171
Internet	$75
Spotify	$16
Aulas de guitarra	$130	Nosso filho está aprendendo violão
Dívidas
Empréstimo Pessoal	$150
Capital One Visa	$179
Solar	$135
Home Depot CC	$829	Usamos nossa bola de neve de dívidas para pagar o cartão este mês!
Despesas (necessidades)
Mantimentos	$1.198
Gás	$122
Medicina/Odontológica	$141
Despesas (Despesas)
Entretenimento	$83
Utensílios domésticos	$436
Coisas para crianças	$961	Aulas de verão e jogos Steam
Almoço	$19
Restaurantes	$214
Gastos do GG	$242
Gastos de Kara	$161
Vinho e bebidas espirituosas	$13
Doações	$45
Economizando para a família
Abono para Tarefas	$75	Nós usamos o ChoreCheck e eles têm seus próprios orçamentos YNAB
Fundos para dias chuvosos
Manutenção doméstica	$8
Retenção	$17	Esta categoria equilibra minha renda variável como contratado independente
Total necessário $ 7.991

My Savings Categories

Right now my top savings goals are:

1. Our first real family vacation ever!
2. Restore the hardwood floor (currently hiding under some appalling laminate)

Sadly, we had been saving up for a cruise. For obvious reasons, that’s just not going to happen. We’re thinking about something more secluded like renting a cabin out in the woods or something.

One wish farm category was fulfilled last month. I got the pottery wheel and kiln that I have been wanting for 20 years!

My Month

The COVID-19 shutdown has negatively impacted my (Kara’s) income as a QA transcription editor. I’m still able to do my work from home, but it has impacted our clients and less work is available. I’m making approximately half of what I would normally right now. Thankfully, because of YNAB, we were completely prepared and this is just a minor bump in the road.

My Story

GG and I both come from families where our parents did not talk about money. It was considered rude to ask how much they made or how much the bills were. While we had chores, we didn’t get allowances and everything was purchased for us. We didn’t learn anything about finances in school.

As a result, we entered into adulthood with virtually no knowledge of how to handle our finances. We learned the hard way, always struggling to pay for things, racking up debt, and constantly stressing about money.

We started YNAB in 2014. For two years, we had many false starts with it. We couldn’t seem to make it work for us and we’d just give up. In 2016 it finally clicked. I figured out how to calculate our budget categories on a very precise, granular level and we’ve never looked back.

Four years ago we were missing payments, paying late fees, interest fees, overdraft fees, and struggling whenever an unexpected expense popped up. We dreaded birthdays and holidays because of the stress of wondering how we would afford it. Those days are over for us.

In four years we have paid off $50,000 worth of debt. We paid for my daughter’s braces and my son’s college tuition in cash. We are going to take our first real family vacation ever this summer. My two youngest kids are taking private music lessons. We look forward to birthdays and holidays now because we have funded categories to cover them. We are ready for the unexpected.

Very importantly, we have brought our children along on this journey. We want the kids to learn from our mistakes, so we talk openly with them about every aspect of our finances—everything from the daily costs of running a household to how we’re saving for retirement.

During the shutdown, our grocery and restaurant spending is higher than normal since they’re not going to school and GG is working from home. We don’t normally get takeout so often, so they asked where the “extra” money is coming from. I figured that was the perfect opportunity to explain the art of the WAM (moving money from one category to another). I explained how their school lunch money and GG’s lunch out money wasn’t being used, so I moved the money from those categories into groceries and restaurants.

My youngest two are earning allowances and I have set them up with their own budgets in YNAB. My college-aged son has a free student YNAB account. We are doing everything we can so that they’re prepared in a way that we weren’t.

My Financial Goals

• Debt-free living

Our current goal is debt-free living. We’ve been snowballing our debt for the past four years, and at this pace, everything but the mortgage will be completely paid off in November of 2022. Our mortgage will be paid 14 years early, saving us $90,000 in interest.

It would be impossible to overstate how much YNAB has improved all of our lives. I’m thankful for it every single day. I don’t know how we ever lived without it. We will be loyal YNAB users for the rest of our days.

My only regrets at this point are, one—that we didn’t have YNAB when we were younger and first starting out, and two—that I don’t have a sweet YNAB t-shirt to show my undying love and gratitude for it everywhere I go!*

I would rate my current financial situation:5/5

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*Kara and GG have one less regret now! Thanks to their generosity in sharing their budget with us, they’re now the proud wearers of their very own oh-so-soft-and-sumptuous YNAB t-shirts.