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## Request for Feedback on Expense Tracker

Hello! I would greatly appreciate feedback on my expense tracker for this month. With 5 days remaining in the month, there may still be a few unforeseen expenses, but for the most part, this is a snapshot of where we stand. For context, my partner and I are DINKs residing in a moderately-costed city, diligently saving for a future home. Our current living situation entails an 800 sq foot apartment with a feline companion, a fully paid-off vehicle, and another car that will be settled by year’s end. Apart from the car loan, we have no outstanding debt and are actively accumulating funds in a High Yield Savings Account (HYSA) for our dream home.

## Income Breakdown

1. Full-time job: $4133 (includes approximately $550/month in mileage reimbursement)
2. Full-time job: $3620
3. HYSA: $121
4. Side gig 1: ~$100
5. Side gig 2: ~$350
Total Income: $8324

## Detailed Expenses

– Rent and water: $1826
– Phone: $50 (for his line)
– Internet: $72
– Electric: $96
– Gas for two cars: $322
– Car payment (extra towards principal): $466
– Groceries: $438
– Insurance (paid upfront for 6 months): $248
– Exercise (2 gym memberships + ClassPass): $63
– Health (new glasses): $21
– Subscriptions (Spotify): $13
– Dining out: $278 ($98 attributed to lunches out)
– Beauty expenses (his haircut, my salon hair color, occasional pedicure): $328
– Gifts: $20
– Miscellaneous items (car wash, updated license fee, makeup, new sandals, SHEIN order, new bed sheet, work clothing): $443
Total Expenses: $4684

## Retirement Savings Allocation

– Roth IRA: $580 (his is maxed for the year)
– Roth 401k: $358 (6% employer match)
– HSA: $100 ($250/year employer match)
Total Retirement Contributions: $1,038

## Remaining Savings Towards House Down Payment

Leftover Savings: $3640

If we incorporate retirement savings as “income” ($1030 + $8324 = $9,406), then 38% of our budget goes towards necessities ($3602), 49.7% towards savings ($4678), and 11.5% towards discretionary wants ($1,082).

Thank you in advance for any input!

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