- home decorations
- new furnishings
- college savings
- special medical expenses
- lawn care / mowing
The reduced column ($10,447) shows expenses if we need to spend less (with some discomfort).
The duress column ($9,476) shows what we must spend if we lost a large amount of income. This is in part why we make sure we have so much cash savings.
Mom will drop her short term disability in October.
Grandma will have her health insurances (supplemental and part D) picked up by a third party in 1-2 years (this is not a perm expense)
Utilities include costs for: hvac, water, scavenger, sewer, gas, satelite tv, alarm
Currently 40% of our cell phone bill is reimbursed by work.
Mom also receives a bonus (taxed) that covers a good chunk of her disability insurance (long & short).
We would be grateful for any comparative information or recommendations where you think we could reduce our expenses / save money.
Have a wonderful Saturday,
PS We need to remove Satelite expense from the Duress column