If we had no mortgage to pay, and no house remodeling to do, we would budget about $13.6K annually. This includes paying property taxes and insurance, etc.
If we were entirely free of all homeowner-related expenses, we'd be budgeting $8.9k annually (assuming we're not paying utilities), or $11.9k (assuming we pay full electric/water/sewer/garbage).
*jaw drop*
How?! I'd love to see your budget and to hear about your hobbies. Are you hermits that live off the land? (I say that in jest, but that is our long-term plan)
My budget: $1,800/mo. (Actually $1,900/mo, but we're currently not needing to pay for most of our food; this could change, and if it did, we'd be able to feed all four of us on $160/mo. Currently we "spend" an equivalent of about $200/mo for a super-luxurious food budget).
So without the mortgage, we're at $1,100 per month.
We have two cars ('95 Civic 4dr automatic, ~35mpg; '96 Civic hatch manual, ~42mpg), and pretty much drive them like clown-cars. I drive to work in the next town over (grocery store, 18mi each way), and deliver pizzas over the weekends. The other car we use in case we all want to go somewhere. Usually I'll put ~400 miles/week on my commuter/work car, and ~75mi/week on the family car.
We live in town, so we're not hermits. In fact, if I didn't have to work, we could easily be a one-car or no-car family.
We don't eat out, and we don't have vices (no "shopping", no drinking, no smoking). Currently, I'm working (for money) 7 days/week, and working on remodeling the house in any spare time that I have motivation/energy to do anything. So no "hobbies" really (does facebook and MMM count? Probably...), though if I did have hobbies, they'd likely be inexpensive (outdoors stuff, biking, teaching the kiddos about the awesome world we live in) or income-generating (maybe tutoring, or financial coaching/budget writing, or blogging, or flipping stuff on amazon, CC reward churning, etc).
We buy almost all our clothes at the thrift store (budget is $35/mo, and usually doesn't build up too large).
We don't especially have "friends" and certainly not ones that expect us to go out on the town with them in order to be sociable. So that probably helps the frugality meter... Though, honestly, if we were more social and had people come over (and reciprocally visited them), I wouldn't expect too much of a hit on the budget, if at all. Maybe a small increase in the food category (like from $160/mo to $200/mo).
For reference, we live in NW WA.