The $2,000 doesn't include insurance or any other long term payment.
This is a one time goal, just to get our accounts padded.
$170 is for three cell phones, and it's a number we expect to be lower based on a teacher discount we expect to start getting. The cell phone plans in general are up for discussion, but we haven't decided whether to leave yet.
The grocery number is pretty close to what we spend each month, so we might be able to trim that down with some extra effort.
That $200 figure is just the leftover between what I listed and the $2,000 mark, but will likely include odds and ends for a baby shower I'm helping organize.
We are fairly new to MMM, so we may seem weak to some, but this will be a challenge for us for sure!