Somos una familia de seis personas que vive en Connecticut y ganamos $144,000 al año

Bienvenido a YNAB Money Snapshots, donde ve una imagen real del presupuesto y las finanzas de otra persona. Todos son anónimos, porque compartir dinero sigue siendo un tema complicado para muchos, pero creemos que ventilarlos abiertamente te hace te. mejor con tu propia historia de dinero.

Mientras lee estos presupuestos, tenga en cuenta que algunas personas ganan mucho dinero y otras ganan poco dinero, pero sabemos que es lo que hace. con ese dinero y cómo sientes sobre ese dinero significa más que cualquier salario anual.

Vea cómo una familia de seis en Connecticut con un ingreso de $144,000 al año gastó su dinero en abril.

Acerca de

• Nombres: Kara y GG
• Edades: 47 y 52
• Ubicación: Connecticut
• Empleos: Editor de transcripciones de control de calidad y control de calidad (Departamento de Defensa)
• Situación de vivienda: Casado, vive con cuatro hijos (dos son estudiantes universitarios que trabajan, uno está en la escuela secundaria y uno está en la escuela intermedia)

Ingresos:$144,000/año

• Editor de transcripciones de control de calidad:$ 30,000 / año
• Garantía de calidad:$80 000/año
• Manutención de niños:$24,000/año
• Discapacidad VA:$10,000/año

Ahorros:$15,000

Deuda:$338,800

• Hipoteca:$300,000
• Tarjetas de crédito:$8,800
• Paneles solares:$17,000
• Préstamos personales:$13,000

Ingresos de abril:$8721

• Transcripción:$1288
• DoD:$4588
• Manutención de niños:$1952
• Administración de veteranos:$ 893 (GG es un veterano de la Fuerza Aérea y sufrió algunas lesiones en la espalda mientras estaba en servicio. Esta es una adición muy nueva a nuestro presupuesto).

Gastos de abril

Presupuesto

Categoría	Importe objetivo	Notas
Facturas mensuales
Hipoteca	$2227
HBO	$16
Eléctrico	$103
T-Mobile	$115
Atención veterinaria	$110	Nuestros perros tienen un plan de atención médica con el veterinario.
Car Ins	$171
Internet	$75
Spotify	$16
Lecciones de guitarra	$130	Nuestro hijo está aprendiendo guitarra
Deudas
Préstamo personal	$150
Visa Capital One	$179
Solar	$135
Home Depot CC	$829	¡Usamos nuestra bola de nieve de la deuda para pagar la tarjeta este mes!
Gastos (Necesidades)
Comestibles	$1198
Gasolina	$122
Médico/Dental	$141
Gastos (Deseos)
Entretenimiento	$83
Artículos para el hogar	$436
Cosas para niños	$961	Matrícula de verano y juegos de Steam
Salir a almorzar	$19
Restaurantes	$214
Gastos de GG	$242
Gastos de Kara	$161
Vinos y licores	$13
Donaciones	$45
Ahorro para la familia
Subsidio para tareas	$75	Usamos ChoreCheck y ellos tienen sus propios presupuestos YNAB
Fondos para días lluviosos
Mantenimiento del hogar	$8
Sosteniendo	$17	Esta categoría equilibra mi ingreso variable como contratista independiente
Total necesario$7991

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.