Thursday, December 7, 2017

Where we went over budget

Well, so far so good on our monthly challenge, since we had to sideline one of our vehicles!  Unfortunately, that also came with corresponding repair bills, although it didn't turn out to be too much, especially considering what a horrendous racket the van was making.  I was sure something was mortally wrong with it.

Budget update

TOTAL INCOME  $  54,184.00  $ 4,515.33  $              2,084.00  $ 2,193.64  $  2,321.69
 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX
taxes, work  $    4,354.48  $    362.87  $                 167.48  $    128.05  $     234.82
NET INCOME  $  49,829.52  $ 4,152.46  $              1,916.52  $ 2,065.59  $  2,086.87
CHARITY 10-15%
fast offering  $    1,056.00  $      88.00  $                   40.62  $           -    $       88.00
tithing  $    5,418.40  $    451.53  $                 208.40  $    219.36  $     232.17
SAVINGS 5-10%
emergency fund  $              -    $           -    $                         -    $           -    $             -  
kids savings  $       134.68  $      11.22  $                     5.18  $           -    $       11.22
retirement  $    5,960.24  $    496.69  $                 229.24  $    229.24  $     267.45
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  $       179.92  $      14.99  $                     6.92  $      19.09  $       (4.10)
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  $    113.31  $       13.72
water& trash  $       999.96  $      83.33  $                   38.46  $           -    $       83.33
FOOD 5-15%
groceries  $    4,576.00  $    381.33  $                 176.00  $      70.79  $     310.54
TRANSPORTATION 10-15%
car insurance (Jan and Jul)  $       331.90  $      27.66  $                   12.77  $           -    $       27.66
gasoline- buick  $       919.36  $      76.61  $                   35.36  $      20.10  $       56.51
gasoline- van  $    1,389.18  $    115.77  $                   53.43  $      20.24  $       95.53
registration, buick  $         39.42  $        3.28  $                     1.52  $           -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $           -    $         3.70
repair & maintain  $       359.84  $      29.99  $                   13.84  $    330.58  $   (300.59)
replace  $       737.36  $      61.45  $                   28.36  $           -    $       61.45
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  $         32.24  $        2.69  $                     1.24  $           -    $         2.69
husband  $         59.02  $        4.92  $                     2.27  $        0.93  $         3.99
MEDICAL 5-10%
health care  $    5,821.40  $    485.12  $                 223.90  $        8.46  $     476.66
health insurance- med, dent, vis  $    4,927.78  $    410.65 $189.53  $    189.53  $     221.12
PERSONAL 5-10%
Christmas  $         61.10  $        5.09  $                     2.35  $      74.87  $     (69.78)
gifts  $         25.74  $        2.15  $                     0.99  $           -    $         2.15
personal, me  $         28.34  $        2.36  $                     1.09  $           -    $         2.36
personal, kids  $       113.10  $        9.43  $                     4.35  $      13.56  $       (4.14)
personal, husband  $         28.34  $        2.36  $                     1.09  $           -    $         2.36
pets  $       676.00  $      56.33  $                   26.00  $           -    $       56.33
work  $       167.18  $      13.93  $                     6.43  $  (125.46)  $     139.39
RECREATION 5-10%  $              -    $           -  
entertainment  $         83.46  $        6.96  $                     3.21  $           -    $         6.96
vacation  $         80.86  $        6.74  $                     3.11  $           -    $         6.74
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  $    1,962.22  $    163.52  $                   75.47  $           -    $     163.52
NET SPENDING  $  49,829.50  $ 4,152.46  $              1,916.52  $ 1,214.60  $  2,937.86
 DIFFERENCE: NET INCOME/SPENDING   $           0.02  $        0.00  $                     0.00  $    850.99

Friday, December 1, 2017

December's challenge

We've been doing pretty terribly at our monthly challenges.  There's really no excuse for it, even though I could justify myself away for everything.  I'm going to renew our commitment for December and really try to work on saving gas in whatever ways we can!

November's final numbers

TOTAL INCOME  $  54,184.00  $ 4,515.33  $              2,084.00  $  4,728.47  $   (213.14)
 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX
taxes, work  $    4,354.48  $    362.87  $                 167.48  $     284.50  $       78.37
NET INCOME  $  49,829.52  $ 4,152.46  $              1,916.52  $  4,443.97  $   (291.51)
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  $       10.36  $         0.86
retirement  $    5,960.24  $    496.69  $                 229.24  $     499.31  $       (2.62)
HOUSING 25-35%
dream home  $       260.00  $      21.67  $                   10.00  $       20.00  $         1.67
homeowner's insurance (Jan)  $       525.00  $      43.75  $                   20.19  $             -    $       43.75
Household improvement/ repair  $       178.88  $      14.91  $                     6.88  $     189.73  $   (174.82)
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  $       97.31  $     (13.98)
FOOD 5-15%
groceries  $    4,576.00  $    381.33  $                 176.00  $     414.50  $     (33.17)
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  $     158.89  $     326.23
health insurance- med, dent, vis  $    4,927.78  $    410.65 $189.53  $     379.06  $       31.59
PERSONAL 5-10%
Christmas  $         60.58  $        5.05  $                     2.33  $       38.00  $     (32.95)
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  $         7.92  $         1.44
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  $(2,167.81)  $  2,181.66
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  $       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  $    1,953.64  $    162.80  $                   75.14  $             -    $     162.80
NET SPENDING  $  49,829.60  $ 4,152.47  $              1,916.52  $     525.26  $  3,627.21
 DIFFERENCE: NET INCOME/SPENDING   $         (0.08)  $      (0.01)  $                   (0.00)  $  3,918.71

Thursday, November 23, 2017

Budget update

TOTAL INCOME  $  54,184.00  $ 4,515.33  $              2,084.00  $  4,728.47  $   (213.14)
 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX
taxes, work  $    4,354.48  $    362.87  $                 167.48  $     284.50  $       78.37
NET INCOME  $  49,829.52  $ 4,152.46  $              1,916.52  $  4,443.97  $   (291.51)
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  $     499.31  $       (2.62)
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  $       178.88  $      14.91  $                     6.88  $     189.73  $   (174.82)
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  $     329.09  $       52.24
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  $     158.89  $     326.23
health insurance- med, dent, vis  $    4,927.78  $    410.65 $189.53  $     379.06  $       31.59
PERSONAL 5-10%
Christmas  $         60.58  $        5.05  $                     2.33  $       38.00  $     (32.95)
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  $         7.92  $         1.44
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  $(2,167.81)  $  2,181.66
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  $       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  $    1,953.64  $    162.80  $                   75.14  $             -    $     162.80
NET SPENDING  $  49,829.60  $ 4,152.47  $              1,916.52  $     334.95  $  3,817.52
 DIFFERENCE: NET INCOME/SPENDING   $         (0.08)  $      (0.01)  $                   (0.00)  $  4,109.02

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