My husband buy wow gold is being offered a job with a 50K job in a LCOL area in the US. We have been living overseas in a HCOL area, but our healthcare has been free (well, free after taxes :) ) and we haven't had a car for 6 years! We also have had one prepaid phone and put about $10 on it every 3 months. We have 2 DD, one is 9 months, other is 2.5. I can do a frugal food budget also. We have no debt and have quite a bit of savings. Savings $48,000 (I know, a lot). I am sure we will spend several thousand on the move as well as buying thrifted furniture. We have chosen to live cheaply (except for rent which isn't really an option), but we haven't been able to contribute towards retirement because we are overseas as students. My husband also finished his PHD in 2011, and has been working since then as a college professor (and that is the new job).

Our financial goals are to throw a lot of money towards retirement, save for vacations which are important to us (and family lives on the other side of the US). When we return, we will have a car given to us, because I sold my car when we left, and will probably buy a cheap second car to be used during the winter. DH plans to cycle in the spring fall, as we have been doing overseas.

Having lived overseas so long, and never with kids, I don't know what is realistic. We don't want cable, but do want internet. I am not sure about health insurance premiums, but it is probably going to be about $300 400/mo and the kids will be covered by state insurance. Rent will probably hover around $1000, but we could go cheaper if we get a second car and increase commute. My desire is to have one car and DH can live within a mile of campus. We would like a house rental as we have been living in small apartments for a long time and are looking forward to spreading out.

Rent $1000, food, retirement, utilities, vacation, gas, car insurance, second car (?), internet, cheapo prepaid phones (or considering adding onto a family line), saving towards a 20% down on house (bulk of our savings), kids clothing (mom buys both girls clothes so I rarely have to buy anything), diapers (we CD), health insurance, contacts, medicines, gifts, and etc. My husband cuts his own hair and I get a cut maybe twice a year. I really don't buy clothes my mom gives me a lot of her stuff and our parents are very generous at Christmas.

I'd love to hear advice on ways that others have spent their 50K budget. State also has no state income tax so that is a biggie. We are prepared to live within our means, but I want to know how others have done it, especially with the hopes of saving a few thousand a year for travel.

Your simple, frugal lifestyle sounds a lot like ours. We are nowhere near a 50k income (more like 36k), but maybe my budget would help get you started. Obviously if you copied it you'd have LOTS left for the travel and other things you want to include in yours. Even though our needs are different, maybe it can be a starting point. We are in a relatively LCOL area as well.
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