Schedule J, does it look ok to you?

[coolmom04]

Yes, I know an attorney looked over this, but his legal assistant actually did the stuff and the attorney went over it with us and said nothing jumps out at him - he even added some notes, but I wanted to see what opinions I could get here, too b/c I am just paranoid!! Please

1. mortgage 1,479.31
a)yes
b)yes
2. utilities
a. 300
b. 50
c. 0
d. 195 (internet 60, cable 75, cell phones 60)
3. home maintenance 150
4. food 1200
5. clothing 200
6. laundry 50
7. med & dental 100
8. transportation 450
9. recreation 200
10. charitable 0
11. insurance
b. life 45
d. auto 139
12. taxes 0
13. 0
14. 0
15. 0
16. 0
17. other - preschool 161, baby care expenses including diapers, wipes, formula, etc. 250, wife's life insurance 30, wife's debt payments 150, MIL's health insurance 346, MIL's medical, dental & vision expenses 100, hair/personal care 100 = total $1137
18. 5686.31
19. note - preschool expenses will increase from 160 to 390 in august as another child will begin preschool. Debtors will be surrendering both vehicles in order to save money, but will need to save money to replace them this was added by the attorney
20c. 94.71

Sorry if it looks confusing... wasn't sure how to type it. The entertainment of $200 freaked me out. The first attorney we talked to said we'd be lucky to get by with $50! So... $200 seems outrageous! Everything else is pretty much right on target with what we actually spend. I have special dietary needs for the 1200/month food.

Oh, we're a family size of 7.

Any input would be greatly appreciated to help calm a poor girls' nerves

[momofthree]

Looks reasonable to me for a family of 7.

What are the "wife's debt payments?"

As a side note, my eyes are bugging out of my head at the baby care expenses. It makes me thankful that I cloth diaper and breastfeed. I never really realized how much money it saves me. lol.

[chriselle]

it looks good. try to see if you didn't under estimate the medical expenses of 100. For 7 people, vitamins alone might be not enough.

[coolmom04]

Looks reasonable to me for a family of 7.

What are the "wife's debt payments?"

As a side note, my eyes are bugging out of my head at the baby care expenses. It makes me thankful that I cloth diaper and breastfeed. I never really realized how much money it saves me. lol.

Yeah - three of my children (ages 3, 2, & 10 mos) are in either diapers or pull-ups, plus all the baby wipes, etc. I tried cloth diapering with my 3rd, but after my 4th came along, I couldn't keep up with it anymore.

The debt payments are my credit card & student loan payments that my husband pays. He is filing alone.

it looks good. try to see if you didn't under estimate the medical expenses of 100. For 7 people, vitamins alone might be not enough.

We have a flex spend account we buy most of our medical stuff out of - except for my mom. We pay out of pocket for her office visits and prescriptions, but if something comes up, we will probably increase that b/c we actually spend about 150 - 200 including her copays and prescriptions and the vitamins and stuff we use.

Thank you both for your responses!