hello frosty,
I hope you won't get offended my post,
but your post looks really more showing off then looking for advice...
let explain what I mean on my family example , our combined salary is 3700 BEFORE mortgage 1300, childcare for 2 kids 1000 and 600 diesel expences ( we are living in country side with no prospects of work around and have to travel 50miles each in opposite directions),
what left us with 800 net for everything... +260 child benefits...
yet we are still managing and we do not think , that our mortgage is "unsastainable" , it is tough, yes, but not unpayable yet... maybe we should start to think so ...
When I see your budget and see expences like - €200 for books and uniforms (every month?) , €200 - xmas and birthday presents (every month?) and MISCELANIOUS €200 (every month as well!) that makes me feel...mmm... a little annoyed...
you kids are having HUGE advantage already having you home half-time, so there is no need to spoil them with additional €400 ...
by the way, you did not include your child benefits in income...
I hope you won't get offended my post,
but your post looks really more showing off then looking for advice...
let explain what I mean on my family example , our combined salary is 3700 BEFORE mortgage 1300, childcare for 2 kids 1000 and 600 diesel expences ( we are living in country side with no prospects of work around and have to travel 50miles each in opposite directions),
what left us with 800 net for everything... +260 child benefits...
yet we are still managing and we do not think , that our mortgage is "unsastainable" , it is tough, yes, but not unpayable yet... maybe we should start to think so ...
When I see your budget and see expences like - €200 for books and uniforms (every month?) , €200 - xmas and birthday presents (every month?) and MISCELANIOUS €200 (every month as well!) that makes me feel...mmm... a little annoyed...
you kids are having HUGE advantage already having you home half-time, so there is no need to spoil them with additional €400 ...
by the way, you did not include your child benefits in income...