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your spending data from at least a three-month span to determine how much you spend in a typical month on various things — such as rent, clothing, income taxes, haircuts, cellphone and streaming plans, and everything else (see Table 2-1; you can access Table 2-1 online at www.dummies.com/go/homebuyingkit7e). If your spending fluctuates greatly throughout the year, you may need to analyze and average for 6 (or even 12) months to get an accurate sense of your spending behavior.
TABLE 2-1 Your Spending, Now and After Purchasing a Home
| Item | Current Monthly Average ($) | Expected Monthly Average with Home Purchase ($) |
| Income | __________ | __________ |
| Taxes | ||
| Social Security | __________ | __________ |
| Federal | __________ | __________ |
| State and local | __________ | __________ |
| Housing Expenses | ||
| Rent | __________ | n/a |
| Mortgage | n/a | __________ |
| Property taxes | n/a | __________ |
| Homeowners/renters insurance | __________ | __________ |
| Gas/electric/oil | __________ | __________ |
| Water/garbage | __________ | __________ |
| Phone/cellphone | __________ | __________ |
| Cable/satellite TV/streaming plans | __________ | __________ |
| Furniture/appliances | __________ | __________ |
| Maintenance/repairs | __________ | __________ |
| Food and Eating | ||
| Supermarket | __________ | __________ |
| Restaurants and takeout | __________ | __________ |
| Transportation | ||
| Gasoline | __________ | __________ |
| Maintenance/repairs | __________ | __________ |
| State registration fees | __________ | __________ |
| Tolls and parking | __________ | __________ |
| Bus or subway fares | __________ | __________ |
| Appearance | ||
| Clothing | __________ | __________ |
| Shoes | __________ | __________ |
| Jewelry (watches, earrings) | __________ | __________ |
| Dry cleaning | __________ | __________ |
| Haircuts | __________ | __________ |
| Makeup | _________ | __________ |
| Other | __________ | __________ |
| Debt Repayments | ||
| Credit/charge cards | __________ | __________ |
| Auto loans | __________ | __________ |
| Student loans | __________ | __________ |
| Other | __________ | __________ |
| Fun Stuff | ||
| Entertainment (movies, concerts) | __________ | __________ |
| Vacation and travel | __________ | __________ |
| Gifts | __________ | __________ |
| Hobbies | __________ | __________ |
|
Pets
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