Thursday, June 14, 2018

Where we went over budget

We are starting the process of prepping our home to sell in a couple of springs.  We decided to take out a home equity loan to make it happen, but we haven't secured it yet.  Our front door decided it was going to give out before that happened, so we went over budget on that.  I'm a little uncomfortable with that just hanging out there, so hopefully, the loan is secured soon, and we can have predictable payments with that.

Budget update

TOTAL INCOME  $  58,094.40  $ 4,841.20  $              2,234.40  $  2,488.63  $  2,352.57
 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX
taxes, work  $    4,930.90  $    410.91  $                 189.65  $     511.47  $   (100.56)
NET INCOME  $  53,163.50  $ 4,430.29  $              2,044.75  $  1,977.16  $  2,453.13
CHARITY 10-15%
fast offering  $    1,140.00  $      95.00  $                   43.85  $       95.00  $             -  
tithing  $    5,809.44  $    484.12  $                 223.44  $     248.87  $     235.25
SAVINGS 5-10%
emergency fund  $    2,384.98  $    198.75  $                   91.73  $       20.00  $     178.75
kids savings  $       141.96  $      11.83  $                     5.46  $         5.53  $         6.30
IRA  $    6,500.00  $    541.67  $                 250.00  $     250.00  $     291.67
investments  $              -    $           -    $                         -    $             -    $             -  
HOUSING 25-35%
dream home  $       260.00  $      21.67  $                   10.00  $       10.00  $       11.67
homeowner's insurance (Jan)  $       517.00  $      43.08  $                   19.88  $             -    $       43.08
Household improvement/ repair  $       380.12  $      31.68  $                   14.62  $  1,426.16  $(1,394.48)
appliance replace  $       214.50  $      17.88  $                     8.25  $             -    $       17.88
real estate tax, county (Jun and Dec)  $    1,060.00  $      88.33  $                   40.77  $     530.00  $   (441.67)
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  $       944.32  $      78.69  $                   36.32  $             -    $       78.69
power  $    1,749.28  $    145.77  $                   67.28  $     136.00  $         9.77
water& trash  $    1,162.98  $      96.92  $                   44.73  $             -    $       96.92
FOOD 5-15%
groceries  $    4,940.00  $    411.67  $                 190.00  $     102.48  $     309.19
TRANSPORTATION 10-15%
car insurance (Jan and Jul)  $       342.32  $      28.53  $                   13.17  $             -    $       28.53
gasoline- buick and van  $    2,686.11  $    223.84  $                 103.31  $     133.99  $       89.85
registration, buick  $         39.42  $        3.28  $                     1.52  $             -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $             -    $         3.70
repair & maintain  $       483.86  $      40.32  $                   18.61  $             -    $       40.32
replace  $       991.12  $      82.59  $                   38.12  $             -    $       82.59
taxes, property- county (Dec)  $         62.69  $        5.22  $                     2.41  $             -    $         5.22
taxes, property-town (Dec)  $         75.54  $        6.30  $                     2.91  $             -    $         6.30
CLOTHING 2-7%
me  $         29.38  $        2.45  $                     1.13  $         6.90  $       (4.45)
kids  $         31.98  $        2.67  $                     1.23  $       16.72  $     (14.06)
husband  $         29.38  $        2.45  $                     1.13  $             -    $         2.45
MEDICAL 5-10%
health care  $    6,150.00  $    512.50  $                 236.54  $             -    $     512.50
health insurance- med, dent, vis, disability  $    4,927.78  $    410.65 $189.53  $     189.53  $     221.12
PERSONAL 5-10%
Christmas  $              -    $           -    $                         -    $             -    $             -  
gifts  $         34.58  $        2.88  $                     1.33  $             -    $         2.88
life insurance  $       110.00  $        9.17  $                     4.23  $             -    $         9.17
personal, me  $         39.78  $        3.32  $                     1.53  $             -    $         3.32
personal, kids  $       158.86  $      13.24  $                     6.11  $       85.87  $     (72.63)
personal, husband  $         39.78  $        3.32  $                     1.53  $             -    $         3.32
pets  $       676.00  $      56.33  $                   26.00  $             -    $       56.33
work  $              -    $           -    $                         -    $             -    $             -  
RECREATION 5-10%
entertainment  $       106.34  $        8.86  $                     4.09  $       31.34  $     (22.48)
vacation  $         59.54  $        4.96  $                     2.29  $             -    $         4.96
disney  $    1,300.00  $    108.33  $                   50.00  $     194.41  $     (86.08)
DEBT 5-10%
husband's student loans  $    7,052.16  $    587.68  $                 271.24  $     587.68  $             -  
husband's student loans extra  $              -    $           -    $             -    $             -  
NET SPENDING  $  53,327.57  $ 4,443.96  $              2,051.06  $  4,070.48  $     364.32
 DIFFERENCE: NET INCOME/SPENDING   $     (164.07)  $    (13.67)  $                   (6.31)  $(2,093.32)

Thursday, May 31, 2018

May- final numbers

TOTAL INCOME  $  58,094.40  $ 4,841.20  $              2,234.40  $  5,308.73  $   (467.53)
 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX
taxes, work  $    4,930.90  $    410.91  $                 189.65  $     338.55  $       72.36
NET INCOME  $  53,163.50  $ 4,430.29  $              2,044.75  $  4,970.18  $   (539.89)
CHARITY 10-15%
fast offering  $    1,140.00  $      95.00  $                   43.85  $       95.00  $             -  
tithing  $    5,809.44  $    484.12  $                 223.44  $     530.87  $     (46.75)
SAVINGS 5-10%
emergency fund  $    2,397.46  $    199.79  $                   92.21  $       40.00  $     159.79
kids savings  $       141.96  $      11.83  $                     5.46  $       13.65  $       (1.82)
IRA  $    6,500.00  $    541.67  $                 250.00  $     500.00  $       41.67
investments  $              -    $           -    $                         -    $             -    $             -  
HOUSING 25-35%
dream home  $       260.00  $      21.67  $                   10.00  $       20.00  $         1.67
homeowner's insurance (Jan)  $       517.00  $      43.08  $                   19.88  $             -    $       43.08
Household improvement/ repair  $       381.68  $      31.81  $                   14.68  $       35.00  $       (3.19)
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  $       944.32  $      78.69  $                   36.32  $     112.61  $     (33.92)
power  $    1,749.28  $    145.77  $                   67.28  $     167.84  $     (22.07)
water& trash  $    1,162.98  $      96.92  $                   44.73  $     115.20  $     (18.29)
FOOD 5-15%
groceries  $    4,940.00  $    411.67  $                 190.00  $     458.83  $     (47.16)
TRANSPORTATION 10-15%
car insurance (Jan and Jul)  $       342.32  $      28.53  $                   13.17  $             -    $       28.53
gasoline- buick and van  $    2,623.88  $    218.66  $                 100.92  $     229.36  $     (10.70)
registration, buick  $         39.42  $        3.28  $                     1.52  $             -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $             -    $         3.70
repair & maintain  $       485.42  $      40.45  $                   18.67  $       91.34  $     (50.89)
replace  $       994.24  $      82.85  $                   38.24  $             -    $       82.85
taxes, property- county (Dec)  $         62.69  $        5.22  $                     2.41  $             -    $         5.22
taxes, property-town (Dec)  $         75.54  $        6.30  $                     2.91  $             -    $         6.30
CLOTHING 2-7%
me  $         29.38  $        2.45  $                     1.13  $         6.61  $       (4.16)
kids  $         31.98  $        2.67  $                     1.23  $       21.75  $     (19.09)
husband  $         29.38  $        2.45  $                     1.13  $       21.97  $     (19.52)
MEDICAL 5-10%
health care  $    6,150.00  $    512.50  $                 236.54  $     213.05  $     299.45
health insurance- med, dent, vis, disability  $    4,927.78  $    410.65 $189.53  $     379.06  $       31.59
PERSONAL 5-10%
Christmas  $              -    $           -    $                         -    $             -    $             -  
gifts  $         34.58  $        2.88  $                     1.33  $       23.63  $     (20.75)
life insurance  $       110.00  $        9.17  $                     4.23  $             -    $         9.17
personal, me  $         39.78  $        3.32  $                     1.53  $       27.66  $     (24.35)
personal, kids  $       159.38  $      13.28  $                     6.13  $     206.79  $   (193.51)
personal, husband  $         39.78  $        3.32  $                     1.53  $             -    $         3.32
pets  $       676.00  $      56.33  $                   26.00  $     270.00  $   (213.67)
work  $              -    $           -    $                         -    $(1,569.15)  $  1,569.15
RECREATION 5-10%
entertainment  $       106.60  $        8.88  $                     4.10  $             -    $         8.88
vacation  $         59.80  $        4.98  $                     2.30  $             -    $         4.98
disney  $    1,300.00  $    108.33  $                   50.00  $     705.84  $   (597.51)
DEBT 5-10%
husband's student loans  $    7,052.16  $    587.68  $                 271.24  $     587.68  $             -  
husband's student loans extra  $              -    $           -    $             -    $             -  
NET SPENDING  $  53,285.11  $ 4,440.43  $              2,049.43  $  3,343.04  $  1,088.22
 DIFFERENCE: NET INCOME/SPENDING   $     (121.61)  $    (10.13)  $                   (4.68)  $  1,627.14

Thursday, May 24, 2018

Budget update

TOTAL INCOME  $  58,094.40  $ 4,841.20  $              2,234.40  $  5,308.73  $   (467.53)
 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX
taxes, work  $    4,930.90  $    410.91  $                 189.65  $     338.55  $       72.36
NET INCOME  $  53,163.50  $ 4,430.29  $              2,044.75  $  4,970.18  $   (539.89)
CHARITY 10-15%
fast offering  $    1,140.00  $      95.00  $                   43.85  $       95.00  $             -  
tithing  $    5,809.44  $    484.12  $                 223.44  $     306.03  $     178.09
SAVINGS 5-10%
emergency fund  $    2,397.46  $    199.79  $                   92.21  $       20.00  $     179.79
kids savings  $       141.96  $      11.83  $                     5.46  $       10.92  $         0.91
IRA  $    6,500.00  $    541.67  $                 250.00  $     500.00  $       41.67
investments  $              -    $           -    $                         -    $             -    $             -  
HOUSING 25-35%
dream home  $       260.00  $      21.67  $                   10.00  $       15.00  $         6.67
homeowner's insurance (Jan)  $       517.00  $      43.08  $                   19.88  $             -    $       43.08
Household improvement/ repair  $       381.68  $      31.81  $                   14.68  $       35.00  $       (3.19)
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  $       944.32  $      78.69  $                   36.32  $     112.61  $     (33.92)
power  $    1,749.28  $    145.77  $                   67.28  $     167.84  $     (22.07)
water& trash  $    1,162.98  $      96.92  $                   44.73  $             -    $       96.92
FOOD 5-15%
groceries  $    4,940.00  $    411.67  $                 190.00  $     275.48  $     136.19
TRANSPORTATION 10-15%
car insurance (Jan and Jul)  $       342.32  $      28.53  $                   13.17  $             -    $       28.53
gasoline- buick and van  $    2,502.32  $    208.53  $                   96.24  $       54.10  $     154.43
registration, buick  $         39.42  $        3.28  $                     1.52  $             -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $             -    $         3.70
repair & maintain  $       485.42  $      40.45  $                   18.67  $       25.00  $       15.45
replace  $       994.24  $      82.85  $                   38.24  $             -    $       82.85
taxes, property- county (Dec)  $         62.69  $        5.22  $                     2.41  $             -    $         5.22
taxes, property-town (Dec)  $         75.54  $        6.30  $                     2.91  $             -    $         6.30
CLOTHING 2-7%
me  $         29.38  $        2.45  $                     1.13  $         6.61  $       (4.16)
kids  $         31.98  $        2.67  $                     1.23  $       21.75  $     (19.09)
husband  $         29.38  $        2.45  $                     1.13  $         6.61  $       (4.16)
MEDICAL 5-10%
health care  $    6,150.00  $    512.50  $                 236.54  $     213.05  $     299.45
health insurance- med, dent, vis, disability  $    4,927.78  $    410.65 $189.53  $     379.06  $       31.59
PERSONAL 5-10%
Christmas  $              -    $           -    $                         -    $             -    $             -  
gifts  $         34.58  $        2.88  $                     1.33  $       23.63  $     (20.75)
life insurance  $       110.00  $        9.17  $                     4.23  $             -    $         9.17
personal, me  $         39.78  $        3.32  $                     1.53  $       27.66  $     (24.35)
personal, kids  $       159.38  $      13.28  $                     6.13  $     206.79  $   (193.51)
personal, husband  $         39.78  $        3.32  $                     1.53  $             -    $         3.32
pets  $       676.00  $      56.33  $                   26.00  $             -    $       56.33
work  $              -    $           -    $                         -    $(2,027.11)  $  2,027.11
RECREATION 5-10%
entertainment  $       106.60  $        8.88  $                     4.10  $             -    $         8.88
vacation  $         59.80  $        4.98  $                     2.30  $             -    $         4.98
disney  $    1,300.00  $    108.33  $                   50.00  $     505.84  $   (397.51)
DEBT 5-10%
husband's student loans  $    7,052.16  $    587.68  $                 271.24  $     587.68  $             -  
husband's student loans extra  $              -    $           -    $             -    $             -  
NET SPENDING  $  53,163.54  $ 4,430.30  $              2,044.75  $  1,607.00  $  2,814.13
 DIFFERENCE: NET INCOME/SPENDING   $         (0.04)  $      (0.00)  $                   (0.00)  $  3,363.18

Thursday, May 10, 2018

Budget update

TOTAL INCOME  $  58,094.40  $ 4,841.20  $              2,234.40  $ 3,056.85  $  1,784.35
 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX
taxes, work  $    4,930.90  $    410.91  $                 189.65  $    198.66  $     212.25
NET INCOME  $  53,163.50  $ 4,430.29  $              2,044.75  $ 2,858.19  $  1,572.10
CHARITY 10-15%
fast offering  $    1,140.00  $      95.00  $                   43.85  $      95.00  $             -  
tithing  $    5,809.44  $    484.12  $                 223.44  $    305.68  $     178.44
SAVINGS 5-10%
emergency fund  $    2,397.46  $    199.79  $                   92.21  $           -    $     199.79
kids savings  $       141.96  $      11.83  $                     5.46  $        5.46  $         6.37
IRA  $    6,500.00  $    541.67  $                 250.00  $    250.00  $     291.67
investments  $              -    $           -    $                         -    $           -    $             -  
HOUSING 25-35%
dream home  $       260.00  $      21.67  $                   10.00  $        5.00  $       16.67
homeowner's insurance (Jan)  $       517.00  $      43.08  $                   19.88  $           -    $       43.08
Household improvement/ repair  $       381.68  $      31.81  $                   14.68  $           -    $       31.81
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  $       944.32  $      78.69  $                   36.32  $           -    $       78.69
power  $    1,749.28  $    145.77  $                   67.28  $    167.84  $     (22.07)
water& trash  $    1,162.98  $      96.92  $                   44.73  $           -    $       96.92
FOOD 5-15%
groceries  $    4,940.00  $    411.67  $                 190.00  $    103.72  $     307.95
TRANSPORTATION 10-15%
car insurance (Jan and Jul)  $       342.32  $      28.53  $                   13.17  $           -    $       28.53
gasoline- buick and van  $    2,502.32  $    208.53  $                   96.24  $      26.52  $     182.01
registration, buick  $         39.42  $        3.28  $                     1.52  $           -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $           -    $         3.70
repair & maintain  $       485.42  $      40.45  $                   18.67  $           -    $       40.45
replace  $       994.24  $      82.85  $                   38.24  $           -    $       82.85
taxes, property- county (Dec)  $         62.69  $        5.22  $                     2.41  $           -    $         5.22
taxes, property-town (Dec)  $         75.54  $        6.30  $                     2.91  $           -    $         6.30
CLOTHING 2-7%
me  $         29.38  $        2.45  $                     1.13  $           -    $         2.45
kids  $         31.98  $        2.67  $                     1.23  $           -    $         2.67
husband  $         29.38  $        2.45  $                     1.13  $           -    $         2.45
MEDICAL 5-10%
health care  $    6,150.00  $    512.50  $                 236.54  $           -    $     512.50
health insurance- med, dent, vis, disability  $    4,927.78  $    410.65 $189.53  $    189.53  $     221.12
PERSONAL 5-10%
Christmas  $              -    $           -    $                         -    $           -    $             -  
gifts  $         34.58  $        2.88  $                     1.33  $           -    $         2.88
life insurance  $       110.00  $        9.17  $                     4.23  $           -    $         9.17
personal, me  $         39.78  $        3.32  $                     1.53  $           -    $         3.32
personal, kids  $       159.38  $      13.28  $                     6.13  $    129.77  $   (116.49)
personal, husband  $         39.78  $        3.32  $                     1.53  $           -    $         3.32
pets  $       676.00  $      56.33  $                   26.00  $           -    $       56.33
work  $              -    $           -    $                         -    $      69.10  $     (69.10)
RECREATION 5-10%
entertainment  $       106.60  $        8.88  $                     4.10  $           -    $         8.88
vacation  $         59.80  $        4.98  $                     2.30  $           -    $         4.98
disney  $    1,300.00  $    108.33  $                   50.00  $    224.24  $   (115.91)
DEBT 5-10%
husband's student loans  $    7,052.16  $    587.68  $                 271.24  $           -    $     587.68
husband's student loans extra  $              -    $           -    $           -    $             -  
NET SPENDING  $  53,163.54  $ 4,430.30  $              2,044.75  $ 1,571.86  $  2,849.27
 DIFFERENCE: NET INCOME/SPENDING   $         (0.04)  $      (0.00)  $                   (0.00)  $ 1,286.33