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Financial Goals 2020: 1) My daughter is due in March. Decrease spending by $1000 in January, $1,500 ($500 extra beyond January) in February, to ensure that I have enough cash flow to cover the obscene costs of raising a kid. 1A) To accomplish (1), reduce eating out to 1X per month in January and February, total expenditure for couple not to exceed $50 per time (roughly the cost of two people going to a diner and getting a burger + fries where I live). 1B) To accomplish (1), reduce at-work cafeteria by 75%. Currently, I eat breakfast at the cafeteria 3-4 days per week and lunch 3-5 (less if there's a lunch meeting that steals my lunch hour, more if there isn't). Reduce to cafeteria 1X Breakfast, 1X Lunch per week. 2) Post-baby, maintain the expenditure levels for eating out and work food at their reduced levels through at least June, under the expectation that the baby will cost at least $1,500 per month. (Thank god I don't need daycare. Holy gently caress it's expensive.) 3) Post-baby, update this thread monthly with spending trends for accountability. Once baby expenses are established during the first three months, re-visit thread in June with appropriate second-half goals. 4) Under no circumstances touch any of my retirement contribution percentages. They stay maxed.
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Jan 2, 2020 17:42
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| # ¿ May 13, 2024 23:25 |
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