I'm missing something...

[Nai]

Gifts
Hairdresser
Kids activities eg. swimming lessons
Alcohol

[Arimeh]

Alcohol!!

hehe

Thank guys, I was dreaming of stuff last night that I had forgotten (world vision for one cos it comes straight off the credit card and I never see it!!)

I think I have everything now. Try this on for size (and tell me now I have missed stuff..lol)

Home Insurance
Car insurance
health insurance
food
mortgage
petrol
rates
car parking
body corporate
phones
internet
electricity
car services/tyres
miscellaneous
doctors visits
child care
world vision
xmas & birthdays
pharma's
rego
clothing
credit card
physio
hairdresser
podiatrist

Pheewww. Is that everything? LOL

[Life is Good]

What about the dentist, hun? That always comes as a nasty shock, is never cheap and teeth always let you down at the most inopportune times

[Kazbah]

Do you have animals? Pet food / vet visits / flea & worming treatments ...

[Arimeh]

Ooh good point. We have 2 cats and a dog. How much should I put aside for them do you think? I've done it all and I'm left with $77 a fortnight ....

Dentist ay... hmm.. we have private health cover which covers a fair chunk of it, but you're right - I should put some aside - how much you think?

[LionsandBears]

Long-term purchase accrual. Learnt this one off Simply Budgets

Includes future purchases for:
Furniture
White Goods
Car replacement
Education
Orthodontist

Estimate how much each would cost and when they're likely to be needed (eg, car in 5 years, fridge in 10 years, new bed in 12 years), then work out a periodic amount you need to set aside to take care of these when they occur. Put this into a separate account if you can, so it's not touched until you need it.

What about beautician? If you get waxed/facials/manicures etc
Make up and oher personal purchases
Shoes - can be part of clothing
Life insurance?
Entertainment

[Arimeh]

Hm.. we usually get our white goods on interest free loans (which work well if you don't abuse them - and we never have, we change our budget to suit the repayments and pay it off as quick as we can) so I probably won't worry about that at the moment, will discuss with DH about the car option though, cos I know he wants a second car.

Uh don't get waxes or manicures, don't wear make up, have kids for entertainment and don't have life insurance!

Yup = I think I've done it

[~mamaspice~]

No credit cards, personal loans or car loans?

Budgets suck don't they! Especially when you ad it all up and there ain't much left, like mine

[Arimeh]

No credit cards, personal loans or car loans?

Budgets suck don't they!

Credit card payment is on there - have allocated $100 a fortnight.

No personal loan, no car loan - got rid of that when we sold our qld house.

[Kazbah]

Vaccinations (yearly) - around $80 each
Worming - $50/year
Flea treatment - (frontline plus) - $100 / year dog; $90/year/cat

[Life is Good]

PHI is great for general dental and covers a fair portion of regular check-ups etc., but as soon as anything serious happens (root canal, implants etc.) then the cover is laughable (we have the best policy out their for comprehensive dental and it hardly makes a dent in it). I suppose it is largely estimated on your general dental health as a family. My teeth are shocking and cost us so much (just finishing up on a single implant that has just cost us $6k). Root canal and crowns can be as expensive as $4k if you want a proper job done. My dentist always tells me "When you decide not to floss each day just add up how much it will cost you if you lose teeth at $5k a pop"! Which may explain why so many people are walking around with no teeth

I will now get off of my dental soap box - hopefully those figures will help your estimations.

[Liz]

A few other things on my list .. no idea if they apply for you! haha

Train ticket
Music
Swimming
Sport
Contact lenses
NRMA Membership (roadside assistance)
Mowing (yes we pay someone to do it haha)
Contents insurance (don't know if yours is home AND contents tho )

[Arimeh]

A few other things on my list .. no idea if they apply for you! haha

Train ticket
Music
Swimming
Sport
Contact lenses
NRMA Membership (roadside assistance)
Mowing (yes we pay someone to do it haha)
Contents insurance (don't know if yours is home AND contents tho )

No
No
No
No - had to laugh at that one.. haha!
Nope
Nope - but should be thanks for the reminder!
mowing - hardly any lawn so DH can manage it
We only pay contents insurance since we are in a unit, the home insurance is paid by the body corporate

Thanks for your dentist stuff Sam

Thanks Kaz for the pet stuff - will add that too - and congrats btw

[Arimeh]

Well I've finished the budget.. and we have $1 at the end of every fortnight spare.. LOL

However - I think everything is covered - well except for entertainment and takeaway - but we can live without those for a while