Their budget numbers seem off, only $50/month on home maintenance and garden? And the food bill seems low for a family of 4. Only $100/month for travel? That's $1200 per year for the whole family. Either they aren't travelling far or are driving and staying with friends or family.  $1200 would not cover a fly vacation and drive plus hotel would easily reach $1200 with just gas and hotel for a few nights. No clothing costs, gifts, misc, medical etc. Very irritating when the numbers clearly are incomplete or poorly estimated.