Personal finance can be a touchy subject. You don't just up and ask someone what they make, how much they spend, and what they're able to save. There's good reason - and manners - behind this; the downside is the lack of comparatives can make it harder to evaluate one's own situation. It can seem like we're living in a vacuum when we don't see behind the scenes: our friends may appear to always have cash on hand, when their financial reality may be quite the opposite.
In the interests of demystifying one 30-something's personal finances, here's my monthly breakdown:
$1000.00 Payment to myself – direct to savings (notice how this is first?)
$994.49 Mortgage payment
$350.85 Condo fees
$300.00 Groceries ($75.00/week)
$150.00 Property taxes
$107.00 Transit pass (discounted through work)
$100.00 Entertainment (drinks/eating out, etc.)
$75.00 Beer and wine
$65.00 Cell phone
Income (monthly take-home, after all deductions, including taxes & pension)
$100.00 (from renting out my parking spot)
$276.11 leftover to spend (or save) as I see fit. So far, this money seems to be enough to cover unexpected expenses; repairs, gifts, etc.