Figured I should post my latest budget since I haven't done that in awhile. Did it in percentage format based on the lowest amount earned per month (since I refuse to plan based on overtime).

Expenses
Water Bill (now monthly) 0.3%
Electric/Gas Bill 1.0%
Gas for Car 0.8%
PITI 25.9%
Bus Pass 1.4%
Car Insurance 1.3%
IRA 8.0%
Short Term Savings 1.5%
Internet/TV 1.4%
Netflix 0.2%
Cash Items 29.6%
Student Loan 3.9%
CC #1 2.0%
CC #2 2.0%
CC #3 20.7% + any overtime

Oh, the amount of debt we have is 32.7% of our yearly income (the majority of which is at 0% interest). Which means if you are truly ambitious you can figure out the dollar amounts for everything, I just think percentages are more helpful.

Obviously the cash allowance is purely discretionary (groceries, out to eat, activities,home repair, etc) so that is what gets cut when I want to save more cash. We still can survive indefinitely on my income, still never pay just the minimums on credit cards (psychologically, I just can't do it) and the budget is extremely comfortable.

Which is why I am thinking we can cut back a little until we are sure of DH's next job. Which may not take long since he is already getting calls for new jobs. Better safe than sorry though. For those concerned that I don't have an EF fund listed, I keep a 1k cushion so that is already built in. The cash raiding is for expanding on that in case some big repair bill or some other nasty appears while our income is reduced.

Oh, should mention that the phone is not a monthly bill so is not listed. Short term savings covers that, any plumbing bills (1950's plumbing, I expect problems) and oil changes. I expect that it can cover a host of other random expenses too.