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posted by Example-PineSparrow · 5/8/2026Example
Young family, $5.5k/mo, two little kids
We bought a starter house at a decent rate, so housing is manageable. Daycare costs less than I feared because grandma covers two days. Still feels like nothing's left at the end of the month — what would you cut?
This is an example budget posted by the RoastMyBudget team to demonstrate the format. Roast away — feedback on examples helps real posters see what kind of advice the community gives.
Income/mo
$5,500
Expenses
$5,500
Net
$0
Household: 2 adults, 2 kids
Expenses
- Mortgage$1,400
- Groceriesfamily of 4$650
- Childcareafter-school + 3 days daycare$400
- Dining$280
- Transportone car payment$280
- Transportgas$200
- Utilities$220
- Insuranceauto + life$140
- Phonetwo lines$160
- Subscriptionsstreaming bundle$80
- Subscriptionsapps + cloud storage$50
- Kidsclothes/activities$220
- Kidsdiapers + baby supplies$150
- Healthcarecopays + Rx$160
- Householdsupplies/cleaning$100
- Pets$80
- Diningdate night + sitter$120
- SavingsHYSA$600
- Misc$210
Income
- Take-home pay$5,500
Where it goes
Mortgage$1,400 · 25%
Groceries$650 · 12%
Savings$600 · 11%
Transport$480 · 9%
Childcare$400 · 7%
Dining$400 · 7%
Kids$370 · 7%
Utilities$220 · 4%
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