Thursday, October 19, 2017

Where we went over budget

I'm still not sure when the new cell phone plan will stop with the "one time fees", since this is the second month I've seen "one time fees" on it.  It will take a bit of time to adjust to the new bill, and I'll be better able to budget for it when things even out.

Budget update


TOTAL INCOME  $  54,184.00  $ 4,515.33  $              2,084.00  $ 3,322.36  $  1,192.97

 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX




taxes, work  $    4,354.48  $    362.87  $                 167.48  $    233.09  $     129.78






NET INCOME  $  49,829.52  $ 4,152.46  $              1,916.52  $ 3,089.27  $  1,063.19






CHARITY 10-15%




fast offering  $    1,056.00  $      88.00  $                   40.62  $      88.00  $             -  
tithing  $    5,418.40  $    451.53  $                 208.40  $    332.24  $     119.29
SAVINGS 5-10%




emergency fund  $              -    $           -    $                         -    $           -    $             -  
kids savings  $       127.40  $      10.62  $                     4.90  $        4.97  $         5.65
retirement  $    5,960.24  $    496.69  $                 229.24  $    349.59  $     147.10
HOUSING 25-35%




dream home  $       260.00  $      21.67  $                   10.00  $      15.00  $         6.67
homeowner's insurance (Jan)  $       525.00  $      43.75  $                   20.19  $           -    $       43.75
Household improvement/ repair  $       724.36  $      60.36  $                   27.86  $           -    $       60.36
appliance replace  $       214.50  $      17.88  $                     8.25  $           -    $       17.88
real estate tax, county (Jun and Dec)  $    1,060.00  $      88.33  $                   40.77  $           -    $       88.33
real estate tax, town (Dec)  $       190.56  $      15.88  $                     7.33  $           -    $       15.88
UTILITIES 5-10%




internet  $       461.40  $      38.45  $                   17.75  $      38.45  $             -  
phone- cell  $       412.62  $      34.39  $                   15.87  $    127.55  $     (93.17)
power  $    1,562.08  $    130.17  $                   60.08  $    100.03  $       30.14
water& trash  $    1,022.32  $      85.19  $                   39.32  $           -    $       85.19
FOOD 5-15%




groceries  $    4,576.00  $    381.33  $                 176.00  $    215.12  $     166.21
TRANSPORTATION 10-15%




car insurance (Jan and Jul)  $       331.90  $      27.66  $                   12.77  $           -    $       27.66
gasoline- buick  $       827.44  $      68.95  $                   31.82  $           -    $       68.95
gasoline- van  $    1,710.68  $    142.56  $                   65.80  $      82.29  $       60.27
registration, buick  $         39.42  $        3.28  $                     1.52  $           -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $           -    $         3.70
repair & maintain  $       265.20  $      22.10  $                   10.20  $           -    $       22.10
replace  $       543.40  $      45.28  $                   20.90  $           -    $       45.28
taxes, property- county (Dec)  $         72.41  $        6.03  $                     2.79  $           -    $         6.03
taxes, property-town (Dec)  $         77.45  $        6.45  $                     2.98  $           -    $         6.45
CLOTHING 2-7%




me  $           4.68  $        0.39  $                     0.18  $           -    $         0.39
kids  $         20.02  $        1.67  $                     0.77  $      44.75  $     (43.08)
husband  $         43.68  $        3.64  $                     1.68  $    110.54  $   (106.90)
MEDICAL 5-10%




health care  $    5,821.40  $    485.12  $                 223.90  $      59.00  $     426.12
health insurance- med, dent, vis  $    4,927.78  $    410.65 $189.53  $    189.53  $     221.12
PERSONAL 5-10%




Christmas  $         44.98  $        3.75  $                     1.73  $           -    $         3.75
gifts  $         18.98  $        1.58  $                     0.73  $           -    $         1.58
personal, me  $         20.80  $        1.73  $                     0.80  $           -    $         1.73
personal, kids  $         83.46  $        6.96  $                     3.21  $        2.25  $         4.71
personal, husband  $         20.80  $        1.73  $                     0.80  $           -    $         1.73
pets  $       676.00  $      56.33  $                   26.00  $           -    $       56.33
work  $              -    $           -    $                         -    $ 1,012.74  $(1,012.74)
RECREATION 5-10%  $              -    $           -  


entertainment  $         62.14  $        5.18  $                     2.39  $           -    $         5.18
vacation  $         59.54  $        4.96  $                     2.29  $           -    $         4.96
disney  $    1,300.00  $    108.33  $                   50.00  $      75.00  $       33.33
DEBT 5-10%




husband's student loans  $    7,052.16  $    587.68  $                 271.24  $    587.68  $             -  
husband's student loans extra  $    2,189.98  $    182.50  $                   84.23  $      83.04  $       99.46
NET SPENDING  $  49,829.59  $ 4,152.47  $              1,916.52  $ 3,517.77  $     634.70
 DIFFERENCE: NET INCOME/SPENDING   $         (0.07)  $      (0.01)  $                   (0.00)  $  (428.50)

Thursday, October 12, 2017

Where we went over budget

Three new decent pairs of shoes will blow your budget.  One of my weaknesses is not budgeting (and leaving enough in) the category of clothing.  I need to be better about that.

Budget update


TOTAL INCOME  $  54,184.00  $ 4,515.33  $              2,084.00  $ 3,322.36  $  1,192.97

 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX




taxes, work  $    4,354.48  $    362.87  $                 167.48  $    233.09  $     129.78






NET INCOME  $  49,829.52  $ 4,152.46  $              1,916.52  $ 3,089.27  $  1,063.19






CHARITY 10-15%




fast offering  $    1,056.00  $      88.00  $                   40.62  $      88.00  $             -  
tithing  $    5,418.40  $    451.53  $                 208.40  $    332.24  $     119.29
SAVINGS 5-10%




emergency fund  $              -    $           -    $                         -    $           -    $             -  
kids savings  $       127.40  $      10.62  $                     4.90  $        2.45  $         8.17
retirement  $    5,960.24  $    496.69  $                 229.24  $    349.59  $     147.10
HOUSING 25-35%




dream home  $       260.00  $      21.67  $                   10.00  $      10.00  $       11.67
homeowner's insurance (Jan)  $       525.00  $      43.75  $                   20.19  $           -    $       43.75
Household improvement/ repair  $       724.36  $      60.36  $                   27.86  $           -    $       60.36
appliance replace  $       214.50  $      17.88  $                     8.25  $           -    $       17.88
real estate tax, county (Jun and Dec)  $    1,060.00  $      88.33  $                   40.77  $           -    $       88.33
real estate tax, town (Dec)  $       190.56  $      15.88  $                     7.33  $           -    $       15.88
UTILITIES 5-10%




internet  $       461.40  $      38.45  $                   17.75  $           -    $       38.45
phone- cell  $       412.62  $      34.39  $                   15.87  $           -    $       34.39
power  $    1,562.08  $    130.17  $                   60.08  $    100.03  $       30.14
water& trash  $    1,022.32  $      85.19  $                   39.32  $           -    $       85.19
FOOD 5-15%




groceries  $    4,576.00  $    381.33  $                 176.00  $    117.12  $     264.21
TRANSPORTATION 10-15%




car insurance (Jan and Jul)  $       331.90  $      27.66  $                   12.77  $           -    $       27.66
gasoline- buick  $       827.44  $      68.95  $                   31.82  $           -    $       68.95
gasoline- van  $    1,710.68  $    142.56  $                   65.80  $      40.11  $     102.45
registration, buick  $         39.42  $        3.28  $                     1.52  $           -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $           -    $         3.70
repair & maintain  $       265.20  $      22.10  $                   10.20  $           -    $       22.10
replace  $       543.40  $      45.28  $                   20.90  $           -    $       45.28
taxes, property- county (Dec)  $         72.41  $        6.03  $                     2.79  $           -    $         6.03
taxes, property-town (Dec)  $         77.45  $        6.45  $                     2.98  $           -    $         6.45
CLOTHING 2-7%




me  $           4.68  $        0.39  $                     0.18  $           -    $         0.39
kids  $         20.02  $        1.67  $                     0.77  $      44.75  $     (43.08)
husband  $         43.68  $        3.64  $                     1.68  $    110.54  $   (106.90)
MEDICAL 5-10%




health care  $    5,821.40  $    485.12  $                 223.90  $      59.00  $     426.12
health insurance- med, dent, vis  $    4,927.78  $    410.65 $189.53  $    189.53  $     221.12
PERSONAL 5-10%




Christmas  $         44.98  $        3.75  $                     1.73  $           -    $         3.75
gifts  $         18.98  $        1.58  $                     0.73  $           -    $         1.58
personal, me  $         20.80  $        1.73  $                     0.80  $           -    $         1.73
personal, kids  $         83.46  $        6.96  $                     3.21  $        1.50  $         5.46
personal, husband  $         20.80  $        1.73  $                     0.80  $           -    $         1.73
pets  $       676.00  $      56.33  $                   26.00  $           -    $       56.33
work  $              -    $           -    $                         -    $    348.17  $   (348.17)
RECREATION 5-10%  $              -    $           -  


entertainment  $         62.14  $        5.18  $                     2.39  $           -    $         5.18
vacation  $         59.54  $        4.96  $                     2.29  $           -    $         4.96
disney  $    1,300.00  $    108.33  $                   50.00  $      50.00  $       58.33
DEBT 5-10%




husband's student loans  $    7,052.16  $    587.68  $                 271.24  $           -    $     587.68
husband's student loans extra  $    2,189.98  $    182.50  $                   84.23  $      83.04  $       99.46
NET SPENDING  $  49,829.59  $ 4,152.47  $              1,916.52  $ 1,926.07  $  2,226.40
 DIFFERENCE: NET INCOME/SPENDING   $         (0.07)  $      (0.01)  $                   (0.00)  $ 1,163.20