Thursday, November 16, 2017

Budget update


TOTAL INCOME  $  54,184.00  $ 4,515.33  $              2,084.00  $ 2,462.12  $  2,053.21

 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX




taxes, work  $    4,354.48  $    362.87  $                 167.48  $    142.50  $     220.37






NET INCOME  $  49,829.52  $ 4,152.46  $              1,916.52  $ 2,319.62  $  1,832.84






CHARITY 10-15%




fast offering  $    1,056.00  $      88.00  $                   40.62  $           -    $       88.00
tithing  $    5,418.40  $    451.53  $                 208.40  $    246.22  $     205.31
SAVINGS 5-10%




emergency fund  $              -    $           -    $                         -    $           -    $             -  
kids savings  $       134.68  $      11.22  $                     5.18  $        7.77  $         3.45
retirement  $    5,960.24  $    496.69  $                 229.24  $    250.01  $     246.68
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  $       178.88  $      14.91  $                     6.88  $      58.56  $     (43.65)
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  $       883.32  $      73.61  $                   33.97  $           -    $       73.61
power  $    1,524.38  $    127.03  $                   58.63  $      91.19  $       35.84
water& trash  $       999.96  $      83.33  $                   38.46  $           -    $       83.33
FOOD 5-15%




groceries  $    4,576.00  $    381.33  $                 176.00  $    170.35  $     210.98
TRANSPORTATION 10-15%




car insurance (Jan and Jul)  $       331.90  $      27.66  $                   12.77  $           -    $       27.66
gasoline- buick  $       927.68  $      77.31  $                   35.68  $      28.06  $       49.25
gasoline- van  $    1,401.75  $    116.81  $                   53.91  $      34.10  $       82.71
registration, buick  $         39.42  $        3.28  $                     1.52  $           -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $           -    $         3.70
repair & maintain  $       357.76  $      29.81  $                   13.76  $    262.04  $   (232.23)
replace  $       732.94  $      61.08  $                   28.19  $           -    $       61.08
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  $           6.50  $        0.54  $                     0.25  $           -    $         0.54
kids  $         31.98  $        2.67  $                     1.23  $      18.92  $     (16.26)
husband  $         58.76  $        4.90  $                     2.26  $           -    $         4.90
MEDICAL 5-10%




health care  $    5,821.40  $    485.12  $                 223.90  $      89.00  $     396.12
health insurance- med, dent, vis  $    4,927.78  $    410.65 $189.53  $    189.53  $     221.12
PERSONAL 5-10%




Christmas  $         60.58  $        5.05  $                     2.33  $           -    $         5.05
gifts  $         25.48  $        2.12  $                     0.98  $      10.40  $       (8.28)
personal, me  $         28.08  $        2.34  $                     1.08  $           -    $         2.34
personal, kids  $       112.32  $        9.36  $                     4.32  $        2.34  $         7.02
personal, husband  $         28.08  $        2.34  $                     1.08  $           -    $         2.34
pets  $       676.00  $      56.33  $                   26.00  $           -    $       56.33
work  $       166.14  $      13.85  $                     6.39  $      18.45  $       (4.61)
RECREATION 5-10%  $              -    $           -  


entertainment  $         82.94  $        6.91  $                     3.19  $           -    $         6.91
vacation  $         80.34  $        6.70  $                     3.09  $           -    $         6.70
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  $    1,953.64  $    162.80  $                   75.14  $           -    $     162.80
NET SPENDING  $  49,829.60  $ 4,152.47  $              1,916.52  $ 1,536.94  $  2,615.53
 DIFFERENCE: NET INCOME/SPENDING   $         (0.08)  $      (0.01)  $                   (0.00)  $    782.68

Thursday, November 9, 2017

Where we went over budget

My daughter broke the zipper to her coat last winter, so we had to buy her a new one this year.  It's getting cold!

Budget update


TOTAL INCOME  $  54,184.00  $ 4,515.33  $              2,084.00  $ 2,372.86  $  2,142.47

 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX




taxes, work  $    4,354.48  $    362.87  $                 167.48  $    142.50  $     220.37






NET INCOME  $  49,829.52  $ 4,152.46  $              1,916.52  $ 2,230.36  $  1,922.10






CHARITY 10-15%




fast offering  $    1,056.00  $      88.00  $                   40.62  $           -    $       88.00
tithing  $    5,418.40  $    451.53  $                 208.40  $    237.29  $     214.24
SAVINGS 5-10%




emergency fund  $              -    $           -    $                         -    $           -    $             -  
kids savings  $       134.68  $      11.22  $                     5.18  $        5.18  $         6.04
retirement  $    5,960.24  $    496.69  $                 229.24  $    250.01  $     246.68
HOUSING 25-35%




dream home  $       260.00  $      21.67  $                   10.00  $        5.00  $       16.67
homeowner's insurance (Jan)  $       525.00  $      43.75  $                   20.19  $           -    $       43.75
Household improvement/ repair  $       178.88  $      14.91  $                     6.88  $      58.56  $     (43.65)
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  $       883.32  $      73.61  $                   33.97  $           -    $       73.61
power  $    1,524.38  $    127.03  $                   58.63  $      91.19  $       35.84
water& trash  $       999.96  $      83.33  $                   38.46  $           -    $       83.33
FOOD 5-15%




groceries  $    4,576.00  $    381.33  $                 176.00  $      81.06  $     300.27
TRANSPORTATION 10-15%




car insurance (Jan and Jul)  $       331.90  $      27.66  $                   12.77  $           -    $       27.66
gasoline- buick  $       927.68  $      77.31  $                   35.68  $           -    $       77.31
gasoline- van  $    1,401.75  $    116.81  $                   53.91  $           -    $     116.81
registration, buick  $         39.42  $        3.28  $                     1.52  $           -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $           -    $         3.70
repair & maintain  $       357.76  $      29.81  $                   13.76  $           -    $       29.81
replace  $       732.94  $      61.08  $                   28.19  $           -    $       61.08
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  $           6.50  $        0.54  $                     0.25  $           -    $         0.54
kids  $         31.98  $        2.67  $                     1.23  $      18.92  $     (16.26)
husband  $         58.76  $        4.90  $                     2.26  $           -    $         4.90
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  $         60.58  $        5.05  $                     2.33  $           -    $         5.05
gifts  $         25.48  $        2.12  $                     0.98  $           -    $         2.12
personal, me  $         28.08  $        2.34  $                     1.08  $           -    $         2.34
personal, kids  $       112.32  $        9.36  $                     4.32  $           -    $         9.36
personal, husband  $         28.08  $        2.34  $                     1.08  $           -    $         2.34
pets  $       676.00  $      56.33  $                   26.00  $           -    $       56.33
work  $       166.14  $      13.85  $                     6.39  $           -    $       13.85
RECREATION 5-10%  $              -    $           -  


entertainment  $         82.94  $        6.91  $                     3.19  $           -    $         6.91
vacation  $         80.34  $        6.70  $                     3.09  $           -    $         6.70
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  $    1,953.64  $    162.80  $                   75.14  $           -    $     162.80
NET SPENDING  $  49,829.60  $ 4,152.47  $              1,916.52  $ 1,020.74  $  3,131.73
 DIFFERENCE: NET INCOME/SPENDING   $         (0.08)  $      (0.01)  $                   (0.00)  $ 1,209.62