Baughman's take on what a MMM Approved Budget might look like
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total # people in household111
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total # of people in household under age of 100<---- EDIT THESE CELLS0
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Enabling Strategy / Product
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Ultra FrugalModerately FrugalBarely FrugalMe
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Eating Out$0.00$20.00$40.00$300.00Self control. Packing a lunch to work. Realization that the live to eat mindset will often times lead you to an early grave.
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VOIP$0.00$0.00$0.00$0.00high speed internet (assumed in baseline expense)http://www.amazon.com/OBi100-Telephone-Adapter-Service-Bridge/dp/B004LO098O/OBI works with gmail's chat feature to provide free (for now) VOIP calls
http://www.amazon.com/Ooma-Telo-Free-Phone-Service/dp/B002O3W4LE/
Oooma provides nearly free VOIP calling. Nominal monthly fees include taxes, 911 fees, etc.https://www.google.com/voiceEnables free VOIP calling through GMAIL, several smartphone apps (GrooveIP for Android, Talkatone for Apple)VOIP through google voice only works for free if you live in America. If you are from Australia for example you can only call other VOIP users for free using this method.
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Cell Phones$20.00$50.00$50.00$0.00google voice to redirect calls to your number to VOIP or work phones, enabling you to save cell phone minutes. Wifi enables most smart phone functionality.http://prepaid-phones.t-mobile.com/pay-as-you-go-plans
http://www.att.com/shop/wireless/plans/prepaidplans.html
https://www.tracfone.com/direct/Purchase?payGo=true&app=TRACFONE&lang=en
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Internet$29.00$125.00$125.00$0.00Periodic renegotiation with internet provider to lower rates or move to new provider
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Auto Insurance + Repairs$50.00$50.00$62.50$100.00Geico.com is cheap. I'm sure there are lots of other cheap ones too. The higher deductible, the more you self insure and the lower the rates. The safer you drive, the lower your rates.Do your own basic car repairs (brake pad changes, belt replacements, etc)
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Fuel$35.00$250.00$312.50$100.00Live close to work. Biking. Public Transit. Carpooling. Grouping errands when leaving house.
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Utilities$150.00$125.00$156.25$1,000.00A sweatshirt in winter time. Box fans in summer.
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Misc$0.00$0.00$0.00$200.00Self control. Ability to be easily satiated
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Healthcare$360.00$360.00$700.00$600.00Easily the trickiest item on the entire sheet. Heavily dependent on the goodness of the employer's provided healthcare.Stay fit. Many of our chronic health problems are our own fault. Some are not, of course.
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Food$180.00$225.00$281.25$300.00costco, beans, rice, oatmeal. A realization that meat is overrated.
http://www.amazon.com/s/ref=nb_sb_noss_1?url=search-alias%3Daps&field-keywords=electric+rice+cooker&rh=i%3Aaps%2Ck%3Aelectric+rice+cooker
http://www.amazon.com/s/ref=nb_sb_noss?url=search-alias%3Daps&field-keywords=electric+pressure+cooker&rh=i%3Aaps%2Ck%3Aelectric+pressure+cooker
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Housing/Rent (includes taxes, repairs, insurance)$500.00$630.00$1,000.00$550.0084(insurance)+839(mortgage)+316(taxes)
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Monthly Total$1,324.00$1,835.00$2,727.50$3,150.00
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Annual Total$15,888.00$22,020.00$32,730.00$37,800.00
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