Thursday, April 26, 2018

Budget update

TOTAL INCOME  $  56,680.00  $ 4,723.33  $              2,180.00  $  6,311.87  $(1,588.54)
 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX
taxes, work  $    4,930.90  $    410.91  $                 189.65  $     624.78  $   (213.87)
NET INCOME  $  51,749.10  $ 4,312.43  $              1,990.35  $  5,687.09  $(1,374.67)
CHARITY 10-15%
fast offering  $    1,140.00  $      95.00  $                   43.85  $       95.00  $             -  
tithing  $    5,668.00  $    472.33  $                 218.00  $     327.45  $     144.88
SAVINGS 5-10%
emergency fund  $              -    $           -    $                         -    $             -    $             -  
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  $              -    $           -    $                         -    $       45.64  $     (45.64)
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  $       919.88  $      76.66  $                   35.38  $       77.02  $       (0.36)
power  $    1,641.12  $    136.76  $                   63.12  $     171.93  $     (35.17)
water& trash  $    1,108.90  $      92.41  $                   42.65  $       98.77  $       (6.36)
FOOD 5-15%
groceries  $    4,940.00  $    411.67  $                 190.00  $     275.17  $     136.50
TRANSPORTATION 10-15%
car insurance (Jan and Jul)  $       342.32  $      28.53  $                   13.17  $             -    $       28.53
gasoline- buick and van  $    2,330.92  $    194.24  $                   89.65  $       28.92  $     165.32
registration, buick  $         39.42  $        3.28  $                     1.52  $             -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $             -    $         3.70
repair & maintain  $       780.00  $      65.00  $                   30.00  $     840.55  $   (775.55)
replace  $    1,794.00  $    149.50  $                   69.00  $             -    $     149.50
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  $         65.00  $        5.42  $                     2.50  $             -    $         5.42
kids  $         65.00  $        5.42  $                     2.50  $             -    $         5.42
husband  $         65.00  $        5.42  $                     2.50  $             -    $         5.42
MEDICAL 5-10%
health care  $    6,150.00  $    512.50  $                 236.54  $     294.24  $     218.26
health insurance- med, dent, vis  $    4,927.78  $    410.65 $189.53  $     379.06  $       31.59
PERSONAL 5-10%
Christmas  $              -    $           -    $                         -    $             -    $             -  
gifts  $         62.40  $        5.20  $                     2.40  $             -    $         5.20
personal, me  $         91.00  $        7.58  $                     3.50  $         3.38  $         4.20
personal, kids  $       871.00  $      72.58  $                   33.50  $       46.90  $       25.68
personal, husband  $         91.00  $        7.58  $                     3.50  $         3.38  $         4.20
pets  $       676.00  $      56.33  $                   26.00  $     114.92  $     (58.59)
work  $              -    $           -    $                         -    $     394.22  $   (394.22)
RECREATION 5-10%
entertainment  $         96.20  $        8.02  $                     3.70  $             -    $         8.02
vacation  $              -    $           -    $             -    $             -  
disney  $    1,300.00  $    108.33  $                   50.00  $       90.00  $       18.33
DEBT 5-10%
husband's student loans  $    7,052.16  $    587.68  $                 271.24  $     587.68  $             -  
husband's student loans extra  $              -    $           -    $             -    $             -  
NET SPENDING  $  51,745.16  $ 4,312.10  $              1,990.20  $  4,438.60  $   (126.50)
 DIFFERENCE: NET INCOME/SPENDING   $           3.94  $        0.33  $                     0.15  $  1,248.49

Thursday, April 19, 2018

Where we went over budget

We had to put our van in the shop again.  It seems we need to make a bigger allotment for vehicle repairs now that ours are getting up there in miles.  It will only get worse from here.  And we're not done with repairs yet.  We decided to get the air conditioning serviced while it was in the shop anyway, so that number will go up.

Budget update

TOTAL INCOME  $  56,680.00  $ 4,723.33  $              2,180.00  $  3,274.48  $  1,448.85
 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX
taxes, work  $    4,930.90  $    410.91  $                 189.65  $     424.09  $     (13.18)
NET INCOME  $  51,749.10  $ 4,312.43  $              1,990.35  $  2,850.39  $  1,462.04
CHARITY 10-15%
fast offering  $    1,140.00  $      95.00  $                   43.85  $       95.00  $             -  
tithing  $    5,668.00  $    472.33  $                 218.00  $     327.45  $     144.88
SAVINGS 5-10%
emergency fund  $              -    $           -    $                         -    $             -    $             -  
kids savings  $       141.96  $      11.83  $                     5.46  $         8.19  $         3.64
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  $              -    $           -    $                         -    $             -    $             -  
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  $       919.88  $      76.66  $                   35.38  $       77.02  $       (0.36)
power  $    1,641.12  $    136.76  $                   63.12  $     171.93  $     (35.17)
water& trash  $    1,108.90  $      92.41  $                   42.65  $             -    $       92.41
FOOD 5-15%
groceries  $    4,940.00  $    411.67  $                 190.00  $     186.37  $     225.30
TRANSPORTATION 10-15%
car insurance (Jan and Jul)  $       342.32  $      28.53  $                   13.17  $             -    $       28.53
gasoline- buick and van  $    2,330.92  $    194.24  $                   89.65  $       28.92  $     165.32
registration, buick  $         39.42  $        3.28  $                     1.52  $             -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $             -    $         3.70
repair & maintain  $       780.00  $      65.00  $                   30.00  $     238.21  $   (173.21)
replace  $    1,794.00  $    149.50  $                   69.00  $             -    $     149.50
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  $         65.00  $        5.42  $                     2.50  $             -    $         5.42
kids  $         65.00  $        5.42  $                     2.50  $             -    $         5.42
husband  $         65.00  $        5.42  $                     2.50  $             -    $         5.42
MEDICAL 5-10%
health care  $    6,150.00  $    512.50  $                 236.54  $     282.45  $     230.05
health insurance- med, dent, vis  $    4,927.78  $    410.65 $189.53  $     189.53  $     221.12
PERSONAL 5-10%
Christmas  $              -    $           -    $                         -    $             -    $             -  
gifts  $         62.40  $        5.20  $                     2.40  $             -    $         5.20
personal, me  $         91.00  $        7.58  $                     3.50  $         3.38  $         4.20
personal, kids  $       871.00  $      72.58  $                   33.50  $       46.06  $       26.52
personal, husband  $         91.00  $        7.58  $                     3.50  $         3.38  $         4.20
pets  $       676.00  $      56.33  $                   26.00  $       84.92  $     (28.59)
work  $              -    $           -    $                         -    $   (463.45)  $     463.45
RECREATION 5-10%
entertainment  $         96.20  $        8.02  $                     3.70  $             -    $         8.02
vacation  $              -    $           -    $             -    $             -  
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  $              -    $           -    $             -    $             -  
NET SPENDING  $  51,745.16  $ 4,312.10  $              1,990.20  $  2,215.49  $  2,096.61
 DIFFERENCE: NET INCOME/SPENDING   $           3.94  $        0.33  $                     0.15  $     634.90

Thursday, April 12, 2018

Budget update

TOTAL INCOME  $  56,680.00  $ 4,723.33  $              2,180.00  $  3,274.48  $  1,448.85
 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX
taxes, work  $    4,930.90  $    410.91  $                 189.65  $     424.09  $     (13.18)
NET INCOME  $  51,749.10  $ 4,312.43  $              1,990.35  $  2,850.39  $  1,462.04
CHARITY 10-15%
fast offering  $    1,140.00  $      95.00  $                   43.85  $       95.00  $             -  
tithing  $    5,668.00  $    472.33  $                 218.00  $     327.45  $     144.88
SAVINGS 5-10%
emergency fund  $              -    $           -    $                         -    $             -    $             -  
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  $              -    $           -    $                         -    $             -    $             -  
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  $       919.88  $      76.66  $                   35.38  $       77.02  $       (0.36)
power  $    1,641.12  $    136.76  $                   63.12  $     171.93  $     (35.17)
water& trash  $    1,108.90  $      92.41  $                   42.65  $             -    $       92.41
FOOD 5-15%
groceries  $    4,940.00  $    411.67  $                 190.00  $       92.87  $     318.80
TRANSPORTATION 10-15%
car insurance (Jan and Jul)  $       342.32  $      28.53  $                   13.17  $             -    $       28.53
gasoline- buick and van  $    2,330.92  $    194.24  $                   89.65  $       28.92  $     165.32
registration, buick  $         39.42  $        3.28  $                     1.52  $             -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $             -    $         3.70
repair & maintain  $       780.00  $      65.00  $                   30.00  $             -    $       65.00
replace  $    1,794.00  $    149.50  $                   69.00  $             -    $     149.50
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  $         65.00  $        5.42  $                     2.50  $             -    $         5.42
kids  $         65.00  $        5.42  $                     2.50  $             -    $         5.42
husband  $         65.00  $        5.42  $                     2.50  $             -    $         5.42
MEDICAL 5-10%
health care  $    6,150.00  $    512.50  $                 236.54  $     222.45  $     290.05
health insurance- med, dent, vis  $    4,927.78  $    410.65 $189.53  $     189.53  $     221.12
PERSONAL 5-10%
Christmas  $              -    $           -    $                         -    $             -    $             -  
gifts  $         62.40  $        5.20  $                     2.40  $             -    $         5.20
personal, me  $         91.00  $        7.58  $                     3.50  $         3.38  $         4.20
personal, kids  $       871.00  $      72.58  $                   33.50  $       45.22  $       27.36
personal, husband  $         91.00  $        7.58  $                     3.50  $         3.38  $         4.20
pets  $       676.00  $      56.33  $                   26.00  $       60.00  $       (3.67)
work  $              -    $           -    $                         -    $   (606.19)  $     606.19
RECREATION 5-10%
entertainment  $         96.20  $        8.02  $                     3.70  $             -    $         8.02
vacation  $              -    $           -    $             -    $             -  
disney  $    1,300.00  $    108.33  $                   50.00  $       25.00  $       83.33
DEBT 5-10%
husband's student loans  $    7,052.16  $    587.68  $                 271.24  $             -    $     587.68
husband's student loans extra  $              -    $           -    $             -    $             -  
NET SPENDING  $  51,745.16  $ 4,312.10  $              1,990.20  $     996.42  $  3,315.68
 DIFFERENCE: NET INCOME/SPENDING   $           3.94  $        0.33  $                     0.15  $  1,853.97

Saturday, March 31, 2018

Budget update- March final numbers

TOTAL INCOME  $  56,680.00  $ 4,723.33  $              2,180.00  $ 8,924.39  $(4,201.06)
 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX
taxes, work  $    4,930.90  $    410.91  $                 189.65  $    621.69  $   (210.78)
NET INCOME  $  51,749.10  $ 4,312.43  $              1,990.35  $ 8,302.70  $(3,990.28)
CHARITY 10-15%
fast offering  $    1,140.00  $      95.00  $                   43.85  $      95.00  $             -  
tithing  $    5,668.00  $    472.33  $                 218.00  $    892.44  $   (420.11)
SAVINGS 5-10%
emergency fund  $              -    $           -    $                         -    $           -    $             -  
kids savings  $       141.96  $      11.83  $                     5.46  $      10.92  $         0.91
IRA  $    6,500.00  $    541.67  $                 250.00  $    750.00  $   (208.33)
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  $              -    $           -    $                         -    $      31.08  $     (31.08)
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  $       919.88  $      76.66  $                   35.38  $      85.65  $       (8.99)
power  $    1,641.12  $    136.76  $                   63.12  $    256.20  $   (119.44)
water& trash  $    1,108.90  $      92.41  $                   42.65  $    119.40  $     (26.99)
FOOD 5-15%
groceries  $    4,940.00  $    411.67  $                 190.00  $    478.58  $     (66.91)
TRANSPORTATION 10-15%
car insurance (Jan and Jul)  $       342.32  $      28.53  $                   13.17  $           -    $       28.53
gasoline- buick and van  $    2,330.92  $    194.24  $                   89.65  $    118.98  $       75.26
registration, buick  $         39.42  $        3.28  $                     1.52  $           -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $           -    $         3.70
repair & maintain  $       780.00  $      65.00  $                   30.00  $           -    $       65.00
replace  $    1,794.00  $    149.50  $                   69.00  $           -    $     149.50
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  $         65.00  $        5.42  $                     2.50  $           -    $         5.42
kids  $         65.00  $        5.42  $                     2.50  $           -    $         5.42
husband  $         65.00  $        5.42  $                     2.50  $           -    $         5.42
MEDICAL 5-10%
health care  $    6,150.00  $    512.50  $                 236.54  $    917.17  $   (404.67)
health insurance- med, dent, vis  $    4,927.78  $    410.65 $189.53  $    568.59  $   (157.94)
PERSONAL 5-10%
Christmas  $              -    $           -    $                         -    $           -    $             -  
gifts  $         62.40  $        5.20  $                     2.40  $           -    $         5.20
personal, me  $         91.00  $        7.58  $                     3.50  $      20.00  $     (12.42)
personal, kids  $       871.00  $      72.58  $                   33.50  $      61.20  $       11.38
personal, husband  $         91.00  $        7.58  $                     3.50  $           -    $         7.58
pets  $       676.00  $      56.33  $                   26.00  $      42.88  $       13.45
work  $              -    $           -    $                         -    $    410.53  $   (410.53)
RECREATION 5-10%
entertainment  $       180.18  $      15.02  $                     6.93  $      44.05  $     (29.04)
vacation  $              -    $           -    $           -    $             -  
disney  $    1,300.00  $    108.33  $                   50.00  $    100.00  $         8.33
DEBT 5-10%
husband's student loans  $    7,052.16  $    587.68  $                 271.24  $    587.68  $             -  
husband's student loans extra  $              -    $           -    $           -    $             -  
NET SPENDING  $  51,829.14  $ 4,319.09  $              1,993.43  $ 5,648.80  $(1,329.71)
 DIFFERENCE: NET INCOME/SPENDING   $       (80.04)  $      (6.67)  $                   (3.08)  $ 2,653.90