I am going to be honest. DH and I spend WAY too much on vacations, eating out, and gifts. For our week long cruise we went on this year, our 3 day beach trip with my mom, and our 5 day beach trip, we spent about $3700. Yeah, that could have more than knocked out a credit card! Even as I write this though, I just can't say I regret doing it. We had a fantastic time on our cruise, and it was our last big vacation for a while with just the two of us. I have a lot of great memories from it, and I would definitely do it all over again. The cruise is where about $2500 of our vacation money was spent. The two beach trips were much more frugal and again, we had a blast both times. Next year, I am setting the annual budget at $2000. This can pay for a 5 day cruise and a beach trip.
Anyway, here is the budget I am looking at from October 2010 to November 2011.
| Mortgage | 855 |
| Power | 129 |
| TV/Internet | 133 |
| Phone (includes my Dad's line) | 90 |
| Car Minimum | 285 |
| Citi Minimum | 150 |
| BOA Minimum | 100 |
| Sallie Mae Student Loan | 100 |
| Wells Fargo Student Loan | 130 |
| DH Student Loan | 129 |
| Food | 400 |
| Gas | 140 |
| Eat out | 100 |
| Vacation | 167 |
| Gifts | 150 |
| Fun | 100 |
| Misc. | 150 |
| Extra to debt | 800 |
| IRA for Me | 129 |
| Life Insurance | 15 |
| Water Bill | 20 |
| Campus Loan | 80 |
| Car Insurance. | 95 |
| 4447 |
I don't think I forgot anything. We've just got to stick to the numbers, and I have to be faithful about tracking everything.
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