Thursday, September 14, 2017

Where we went over budget

I finally entered the 21st century and got a cell phone.  We are going to have to rework our budget to make room for that, so be prepared to see that over the next few months after I see what the costs actually end up being.

Budget update


TOTAL INCOME  $  54,184.00  $ 4,515.33  $              2,084.00  $ 2,224.35  $  2,290.98

 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX




taxes, work  $    4,354.48  $    362.87  $                 167.48  $    135.03  $     227.84






NET INCOME  $  49,829.52  $ 4,152.46  $              1,916.52  $ 2,089.32  $  2,063.14






CHARITY 10-15%




fast offering  $    1,056.00  $      88.00  $                   40.62  $      88.00  $             -  
tithing  $    5,418.40  $    451.53  $                 208.40  $        4.92  $     446.61
SAVINGS 5-10%




emergency fund  $              -    $           -    $                         -    $           -    $             -  
kids savings  $       127.40  $      10.62  $                     4.90  $        4.90  $         5.72
retirement  $    5,960.24  $    496.69  $                 229.24  $    239.27  $     257.42
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  $       775.84  $      64.65  $                   29.84  $           -    $       64.65
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  $       223.60  $      18.63  $                     8.60  $      63.85  $     (45.22)
phone- home  $       189.12  $      15.76  $                     7.27  $      15.73  $         0.03
power  $    1,562.08  $    130.17  $                   60.08  $      92.31  $       37.86
water& trash  $    1,022.32  $      85.19  $                   39.32  $           -    $       85.19
FOOD 5-15%




groceries  $    4,576.00  $    381.33  $                 176.00  $    161.81  $     219.52
TRANSPORTATION 10-15%




car insurance (Jan and Jul)  $       331.90  $      27.66  $                   12.77  $           -    $       27.66
gasoline- buick  $       723.58  $      60.30  $                   27.83  $      14.98  $       45.32
gasoline- van  $    1,495.95  $    124.66  $                   57.54  $      26.38  $       98.28
registration, buick  $         39.42  $        3.28  $                     1.52  $           -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $           -    $         3.70
repair & maintain  $       273.52  $      22.79  $                   10.52  $      28.95  $       (6.16)
replace  $       653.64  $      54.47  $                   25.14  $           -    $       54.47
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  $           7.28  $        0.61  $                     0.28  $           -    $         0.61
kids  $         22.88  $        1.91  $                     0.88  $      68.45  $     (66.54)
husband  $         52.52  $        4.38  $                     2.02  $           -    $         4.38
MEDICAL 5-10%




health care  $    5,821.40  $    485.12  $                 223.90  $    160.77  $     324.35
health insurance- med, dent, vis  $    4,927.78  $    410.65 $189.53  $    189.53  $     221.12
PERSONAL 5-10%




Christmas  $         54.08  $        4.51  $                     2.08  $           -    $         4.51
gifts  $         22.88  $        1.91  $                     0.88  $           -    $         1.91
personal, me  $         17.16  $        1.43  $                     0.66  $           -    $         1.43
personal, kids  $         68.38  $        5.70  $                     2.63  $      11.97  $       (6.27)
personal, husband  $         17.16  $        1.43  $                     0.66  $           -    $         1.43
pets  $       676.00  $      56.33  $                   26.00  $      26.98  $       29.35
work  $              -    $           -    $                         -    $    357.95  $   (357.95)
RECREATION 5-10%  $              -    $           -  


entertainment  $         34.32  $        2.86  $                     1.32  $        0.26  $         2.60
vacation  $         71.76  $        5.98  $                     2.76  $           -    $         5.98
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  $    2,349.10  $    195.76  $                   90.35  $           -    $     195.76
NET SPENDING  $  49,829.60  $ 4,152.47  $              1,916.52  $ 2,204.69  $  1,947.78
 DIFFERENCE: NET INCOME/SPENDING   $         (0.08)  $      (0.01)  $                   (0.00)  $  (115.37)

Thursday, September 7, 2017

Budget update


TOTAL INCOME  $  54,184.00  $ 4,515.33  $              2,084.00  $    49.17  $  4,466.16

 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX




taxes, work  $    4,354.48  $    362.87  $                 167.48  $          -    $     362.87






NET INCOME  $  49,829.52  $ 4,152.46  $              1,916.52  $    49.17  $  4,103.29






CHARITY 10-15%




fast offering  $    1,056.00  $      88.00  $                   40.62  $          -    $       88.00
tithing  $    5,418.40  $    451.53  $                 208.40  $      4.92  $     446.61
SAVINGS 5-10%




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




dream home  $       260.00  $      21.67  $                   10.00  $          -    $       21.67
homeowner's insurance (Jan)  $       525.00  $      43.75  $                   20.19  $          -    $       43.75
Household improvement/ repair  $       775.84  $      64.65  $                   29.84  $          -    $       64.65
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  $       223.60  $      18.63  $                     8.60  $          -    $       18.63
phone- home  $       189.12  $      15.76  $                     7.27  $          -    $       15.76
power  $    1,562.08  $    130.17  $                   60.08  $          -    $     130.17
water& trash  $    1,022.32  $      85.19  $                   39.32  $          -    $       85.19
FOOD 5-15%




groceries  $    4,576.00  $    381.33  $                 176.00  $    66.07  $     315.26
TRANSPORTATION 10-15%




car insurance (Jan and Jul)  $       331.90  $      27.66  $                   12.77  $          -    $       27.66
gasoline- buick  $       723.58  $      60.30  $                   27.83  $          -    $       60.30
gasoline- van  $    1,495.95  $    124.66  $                   57.54  $          -    $     124.66
registration, buick  $         39.42  $        3.28  $                     1.52  $          -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $          -    $         3.70
repair & maintain  $       273.52  $      22.79  $                   10.52  $          -    $       22.79
replace  $       653.64  $      54.47  $                   25.14  $          -    $       54.47
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  $           7.28  $        0.61  $                     0.28  $          -    $         0.61
kids  $         22.88  $        1.91  $                     0.88  $    68.45  $     (66.54)
husband  $         52.52  $        4.38  $                     2.02  $          -    $         4.38
MEDICAL 5-10%




health care  $    5,821.40  $    485.12  $                 223.90  $  160.77  $     324.35
health insurance- med, dent, vis  $    4,927.78  $    410.65 $189.53  $          -    $     410.65
PERSONAL 5-10%




Christmas  $         54.08  $        4.51  $                     2.08  $          -    $         4.51
gifts  $         22.88  $        1.91  $                     0.88  $          -    $         1.91
personal, me  $         17.16  $        1.43  $                     0.66  $          -    $         1.43
personal, kids  $         68.38  $        5.70  $                     2.63  $    11.25  $       (5.55)
personal, husband  $         17.16  $        1.43  $                     0.66  $          -    $         1.43
pets  $       676.00  $      56.33  $                   26.00  $          -    $       56.33
work  $              -    $           -    $                         -    $    72.62  $     (72.62)
RECREATION 5-10%  $              -    $           -  


entertainment  $         34.32  $        2.86  $                     1.32  $      0.26  $         2.60
vacation  $         71.76  $        5.98  $                     2.76  $          -    $         5.98
disney  $    1,300.00  $    108.33  $                   50.00  $          -    $     108.33
DEBT 5-10%




husband's student loans  $    7,052.16  $    587.68  $                 271.24  $          -    $     587.68
husband's student loans extra  $    2,349.10  $    195.76  $                   90.35  $          -    $     195.76
NET SPENDING  $  49,829.60  $ 4,152.47  $              1,916.52  $  384.34  $  3,768.13
 DIFFERENCE: NET INCOME/SPENDING   $         (0.08)  $      (0.01)  $                   (0.00)  $(335.17)