Monthly Net income, budi ra mero  ( After tax , 401 K and health saving account) - $3700

Rent- $710
Phone- $ 78
Cable- $85
Grocery- $300
Day care for a child- $400
Auto insurance- $65
Gas-$120
Kam ma lunch- $200
Misc ( Including occasional dine out ) -$200
Student loan -$90
Nepal- $350
College fund for child- $200

Total Expense- $2798

Saving-      $902

Yearly saving-$10824

Annual expense- Christmas gifts - $500
Nepal Jane ticket- $3500
 Income Tax - $1500 ( average)
Shopping for Nepal and spending money ni Nepal -$1000

Net  annual saving - $4324.

No clue where that money is since I dont have it in the bank.