Detailed Budget average American family. Bashny.Net

I tell about the structure of expenditures average American family (photo at the bottom). I must say that this is not the average family in the country, and the average family among families where both parents work, have a higher education.

It is mandatory spending - you have to pay every month
1. Mortgages - $ 1730 per month
Loan amount $ 417, 000 at 2.85% for 30 years. Usually families move every 10 years, and if the house is sold and the mortgage is paid.

2. Property taxes - $ 620 per month.

3. Insurance house fire, theft, and hurricanes - $ 360
Mortgage obliges us to insure the house, and without a mortgage is a good idea. Here we have insurance is expensive, as we are 500 meters from the sea, and there are frequent hurricanes.

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4. Electricity - $ 120 per month
Consumption depends on the time of year, but on average perhaps $ 120. In winter, fall, spring around $ 80. In the summer of $ 200. The main consumption is for air conditioning, heating and water.

5. Water - $ 10 per month
We pay only for cold water get about $ 30 for the quarter.

6. Garbage collection - $ 58 a month.
Rubbish from our house take 4 times a week, and debris should be sorted in the ordinary, something that is recyclable (plastic, metal, glass, paper), and garden waste (branches, leaves, trees).

7. Payments on student loans - $ 100
The debt of about $ 34, 000 at 2.65% for 30 years

Total very mandatory spending a month - $ 2998

Almost mandatory spending, without which it is difficult to live

8. Expenditure on food - $ 400 per month
In principle, nothing does not deny.

9. The cable TV and Internet - $ 85 per month.
It depends on a package of channels and internet speed. We are not the cheapest, but not the most expensive.

10. Gasoline - $ 145 per month for two cars.
Prior to drive about 7 miles one way.

10. Maintenance of machinery - $ 50 a month.
While the new, nothing special is not necessary, except for oil change periodically. Those free service from Toyota first 3 years. In any case, I wrote $ 600 a year.

11. Mobile phones - $ 65.
For one paying job for another $ 65 a virtually unlimited calls, data, SMS.

12. Insurance for the car - $ 200 per month.
There is an opportunity to reduce costs, but we buy insurance with a maximum coverage of civil liability of $ 500, 000 dollars for the insurance case.

13. Medications - about $ 100 a month.
These include contraceptives.

14. Insurance Medical semyu- at $ 500 per month.

15. Disability Insurance - $ 136
If you become disabled, pays a certain amount (such as $ 800 per month) for the rest of his life.

16. Life insurance - $ 60 a month
If a breadwinner dies, the insurance helps to balance the financial problems to remain. 3 insurance policies totaling $ 1.3 million. In addition to work on feature complimentary insurance, about $ 600, 000. However, insurance against work stop action after leaving work.

17 Insurance semyu- eye on the $ 10.
Pays $ 200 per year for each on glasses or lenses kontakntye.

18. Insurance dental family - $ 120
Shipping basic dental expenses.

19. The cost of a garden the child - $ 800.
The training program at a local school for 2 year olds, is worth $ 40 dollars a day. School free.

Total, almost mandatory costs per month - $ 2671

Not quite mandatory spending, without which you can do if you need

20. Mowing the lawn - $ 120
Every two weeks, a person comes and mows the lawn. $ 60 at a time.

21. Delivery of prepared food - $ 428
Wife own food orders delivered to work five days a week. twice daily.

22. Expenses for the dog - around $ 450 per month.
The dog every day a man came to walk it - $ 75 per week or $ 300 a month. About once a month the dog wash and shear - $ 60. Then, the dog has a medical insurance - $ 500 per year. Well, the cost of food, medicines, vaccinations, check-ups, toys, clothes, somewhere another $ 500 a year.

23. Expenses for house cleaning - $ 200 per month
Every two weeks, the housekeeper comes and cleans the house, washing clothes, ironing, and so on. It costs $ 100 a day.

24. Spending on restaurants - about $ 400 a month.
Restaurants that level in which we walk are about $ 100- $ 150 for two people, or $ 200 if the child.

25. Expenditure on entertainment - $ 250 per month on average.
Tickets for the theater, ballet, opera, cinema, sports events and so on.

26. travel costs - $ 500 per month, on average.
There is of course difficult to paint, as these costs are very irregular and very different cost. Then, free flights we usually gets for miles, which we have accumulated a lot. But about $ 6,000 a year. For example, a trip of 10 days in Spain, cost about $ 4,000. A trip to New York for a week was worth $ 2,000.

27. Spending on clothes - $ 400 per month
Of course, not every month. When 0, a $ 2,000 when a time at the sale.

Approximately 2,500 per year, rounded and averaged.

29. Contribution to various savings funds (pension, health and education) - $ 4,000 a month.

Total, it is not mandatory costs per month - $ 7148

Summarize family expenses:
Required - $ 2998
Almost Bound - $ 2671
Not really required - $ 7148
Total: $ 12817

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