Thursday, January 18, 2018

Budget update

TOTAL INCOME  $  56,680.00  $ 4,723.33  $              2,180.00  $ 4,400.00  $     323.33
 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX
taxes, work  $    4,520.88  $    376.74  $                 173.88  $    268.92  $     107.82
NET INCOME  $  52,159.12  $ 4,346.59  $              2,006.12  $ 4,131.08  $     215.51
CHARITY 10-15%
fast offering  $    1,140.00  $      95.00  $                   43.85  $      95.00  $             -  
tithing  $    5,668.00  $    472.33  $                 218.00  $    440.00  $       32.33
SAVINGS 5-10%
emergency fund  $              -    $           -    $                         -    $           -    $             -  
kids savings  $       134.68  $      11.22  $                     5.18  $        5.18  $         6.04
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  $    517.00  $   (473.92)
Household improvement/ repair  $       507.52  $      42.29  $                   19.52  $        4.30  $       37.99
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  $    1,506.70  $    125.56  $                   57.95  $    202.95  $     (77.39)
water& trash  $    1,033.24  $      86.10  $                   39.74  $           -    $       86.10
FOOD 5-15%
groceries  $    4,940.00  $    411.67  $                 190.00  $    228.15  $     183.52
TRANSPORTATION 10-15%
car insurance (Jan and Jul)  $       342.32  $      28.53  $                   13.17  $    171.16  $   (142.63)
gasoline- buick and van  $    2,329.43  $    194.12  $                   89.59  $      67.01  $     127.11
registration, buick  $         39.42  $        3.28  $                     1.52  $           -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $           -    $         3.70
repair & maintain  $       386.10  $      32.18  $                   14.85  $           -    $       32.18
replace  $       790.92  $      65.91  $                   30.42  $           -    $       65.91
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  $           7.02  $        0.59  $                     0.27  $           -    $         0.59
kids  $         39.26  $        3.27  $                     1.51  $           -    $         3.27
husband  $         48.36  $        4.03  $                     1.86  $           -    $         4.03
MEDICAL 5-10%
health care  $    6,150.00  $    512.50  $                 236.54  $      64.04  $     448.46
health insurance- med, dent, vis  $    4,927.78  $    410.65 $189.53  $    379.06  $       31.59
PERSONAL 5-10%
Christmas  $         68.90  $        5.74  $                     2.65  $           -    $         5.74
gifts  $         27.56  $        2.30  $                     1.06  $           -    $         2.30
personal, me  $         30.42  $        2.54  $                     1.17  $        7.50  $       (4.97)
personal, kids  $       121.42  $      10.12  $                     4.67  $      17.80  $       (7.68)
personal, husband  $         30.42  $        2.54  $                     1.17  $           -    $         2.54
pets  $       676.00  $      56.33  $                   26.00  $           -    $       56.33
work  $         89.70  $        7.48  $                     3.45  $    (80.06)  $       87.54
RECREATION 5-10%  $              -    $           -  
entertainment  $         82.68  $        6.89  $                     3.18  $           -    $         6.89
vacation  $         82.68  $        6.89  $                     3.18  $           -    $         6.89
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  $    2,336.88  $    194.74  $                   89.88  $    455.67  $   (260.93)
NET SPENDING  $  52,159.00  $ 4,346.58  $              2,006.12  $ 3,790.89  $     555.69
 DIFFERENCE: NET INCOME/SPENDING   $           0.12  $        0.01  $                     0.00  $    340.19

Thursday, January 11, 2018

Budget update

TOTAL INCOME  $  56,680.00  $ 4,723.33  $              2,180.00  $ 2,180.00  $  2,543.33
 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX
taxes, work  $    4,520.88  $    376.74  $                 173.88  $    134.46  $     242.28
NET INCOME  $  52,159.12  $ 4,346.59  $              2,006.12  $ 2,045.54  $  2,301.05
CHARITY 10-15%
fast offering  $    1,140.00  $      95.00  $                   43.85  $      95.00  $             -  
tithing  $    5,668.00  $    472.33  $                 218.00  $           -    $     472.33
SAVINGS 5-10%
emergency fund  $              -    $           -    $                         -    $           -    $             -  
kids savings  $       134.68  $      11.22  $                     5.18  $        5.18  $         6.04
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  $       507.52  $      42.29  $                   19.52  $           -    $       42.29
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  $    1,506.70  $    125.56  $                   57.95  $    202.95  $     (77.39)
water& trash  $    1,033.24  $      86.10  $                   39.74  $           -    $       86.10
FOOD 5-15%
groceries  $    4,940.00  $    411.67  $                 190.00  $      94.52  $     317.15
TRANSPORTATION 10-15%
car insurance (Jan and Jul)  $       342.32  $      28.53  $                   13.17  $           -    $       28.53
gasoline- buick and van  $    2,329.43  $    194.12  $                   89.59  $      30.50  $     163.62
registration, buick  $         39.42  $        3.28  $                     1.52  $           -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $           -    $         3.70
repair & maintain  $       386.10  $      32.18  $                   14.85  $           -    $       32.18
replace  $       790.92  $      65.91  $                   30.42  $           -    $       65.91
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  $           7.02  $        0.59  $                     0.27  $           -    $         0.59
kids  $         39.26  $        3.27  $                     1.51  $           -    $         3.27
husband  $         48.36  $        4.03  $                     1.86  $           -    $         4.03
MEDICAL 5-10%
health care  $    6,150.00  $    512.50  $                 236.54  $      34.04  $     478.46
health insurance- med, dent, vis  $    4,927.78  $    410.65 $189.53  $    189.53  $     221.12
PERSONAL 5-10%
Christmas  $         68.90  $        5.74  $                     2.65  $           -    $         5.74
gifts  $         27.56  $        2.30  $                     1.06  $           -    $         2.30
personal, me  $         30.42  $        2.54  $                     1.17  $           -    $         2.54
personal, kids  $       121.42  $      10.12  $                     4.67  $        1.56  $         8.56
personal, husband  $         30.42  $        2.54  $                     1.17  $           -    $         2.54
pets  $       676.00  $      56.33  $                   26.00  $           -    $       56.33
work  $         89.70  $        7.48  $                     3.45  $    (80.06)  $       87.54
RECREATION 5-10%  $              -    $           -  
entertainment  $         82.68  $        6.89  $                     3.18  $           -    $         6.89
vacation  $         82.68  $        6.89  $                     3.18  $           -    $         6.89
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  $    2,336.88  $    194.74  $                   89.88  $           -    $     194.74
NET SPENDING  $  52,159.00  $ 4,346.58  $              2,006.12  $    883.22  $  3,463.36
 DIFFERENCE: NET INCOME/SPENDING   $           0.12  $        0.01  $                     0.00  $ 1,162.32