Thursday, February 15, 2018

Where we went over budget

Oh, state inspection.  Our van was due to be the money-hog this time.  Four brand new tires, and what happens within the week?  That's right, a nail in a brand-new tire.  $500ish dollars later, and here we are, over budget in our auto repair.  At least it's tax time, and we'll be getting our chunk of change from Uncle Sam.

Budget update

TOTAL INCOME  $  56,680.00  $ 4,723.33  $              2,180.00  $ 4,887.73  $   (164.40)
 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX
taxes, work  $    4,520.88  $    376.74  $                 173.88  $    376.34  $         0.40
NET INCOME  $  52,159.12  $ 4,346.59  $              2,006.12  $ 4,511.39  $   (164.80)
CHARITY 10-15%
fast offering  $    1,140.00  $      95.00  $                   43.85  $      95.00  $             -  
tithing  $    5,668.00  $    472.33  $                 218.00  $    488.78  $     (16.45)
SAVINGS 5-10%
emergency fund  $              -    $           -    $                         -    $           -    $             -  
kids savings  $       141.96  $      11.83  $                     5.46  $        5.32  $         6.51
IRA  $    6,500.00  $    541.67  $                 250.00  $    500.00  $       41.67
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  $       513.76  $      42.81  $                   19.76  $        5.73  $       37.08
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  $       883.32  $      73.61  $                   33.97  $      76.65  $       (3.04)
power  $    1,506.70  $    125.56  $                   57.95  $    315.25  $   (189.69)
water& trash  $    1,033.24  $      86.10  $                   39.74  $    115.38  $     (29.28)
FOOD 5-15%
groceries  $    4,940.00  $    411.67  $                 190.00  $    175.63  $     236.04
TRANSPORTATION 10-15%
car insurance (Jan and Jul)  $       342.32  $      28.53  $                   13.17  $           -    $       28.53
gasoline- buick and van  $    2,454.78  $    204.57  $                   94.41  $      57.80  $     146.77
registration, buick  $         39.42  $        3.28  $                     1.52  $           -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $           -    $         3.70
repair & maintain  $       373.10  $      31.09  $                   14.35  $    537.97  $   (506.88)
replace  $       764.66  $      63.72  $                   29.41  $           -    $       63.72
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  $           6.76  $        0.56  $                     0.26  $           -    $         0.56
kids  $         37.96  $        3.16  $                     1.46  $           -    $         3.16
husband  $         46.54  $        3.88  $                     1.79  $           -    $         3.88
MEDICAL 5-10%
health care  $    6,150.00  $    512.50  $                 236.54  $    197.61  $     314.89
health insurance- med, dent, vis  $    4,927.78  $    410.65 $189.53  $    452.78  $     (42.13)
PERSONAL 5-10%
Christmas  $         66.56  $        5.55  $                     2.56  $           -    $         5.55
gifts  $         26.78  $        2.23  $                     1.03  $      49.45  $     (47.22)
personal, me  $         29.38  $        2.45  $                     1.13  $      55.00  $     (52.55)
personal, kids  $       117.26  $        9.77  $                     4.51  $      51.62  $     (41.85)
personal, husband  $         29.38  $        2.45  $                     1.13  $           -    $         2.45
pets  $       676.00  $      56.33  $                   26.00  $    137.56  $     (81.23)
work  $         86.58  $        7.22  $                     3.33  $      70.27  $     (63.06)
RECREATION 5-10%  $              -    $           -  
entertainment  $         80.08  $        6.67  $                     3.08  $      17.98  $     (11.31)
vacation  $         80.08  $        6.67  $                     3.08  $           -    $         6.67
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  $    2,258.36  $    188.20  $                   86.86  $    240.15  $     (51.95)
NET SPENDING  $  52,159.03  $ 4,346.59  $              2,006.12  $ 4,293.61  $       52.98
 DIFFERENCE: NET INCOME/SPENDING   $           0.09  $        0.01  $                     0.00  $    217.78

Friday, February 2, 2018

Where we went over budget

We blew it on multiple fronts this month.  I guess we were making up for being angels for Christmas and staying within our means.
Household: we bought a new mattress.  We went all out.  Our old one was 22 years old, and both M and I have been having back issues, so we got a nice one.  This was planned, and to be paid for by our tax money, which we *should* be getting before the credit card bill comes due.
Water: we continue to far exceed the projections for what the water bill should be hitting.  It's a learning process, as they've changed the rates, but we're also letting the kids do more dishes, which they're not very efficient at.  I also should be more conservative in my showers.  I've been lazy about how long I stay in there.
Groceries are another area which I went over.  Our printer cartridges needed replacing, and I need to be better about budgeting for those, since they cost so much, and have to be replaced infrequently.  Our budget has changed to be a bit higher, since we've used the WIC program for years, and our youngest has now aged out of it.
One of the most embarrassing overages this month was that I got a speeding ticket, and I'm trying to keep it off my record, so there've been several charges for court fee, class fee, I don't even know what agency fee, etc.  Speeding is expensive!  Good thing this is only the second ticket I've ever gotten.

Budget update- January final numbers

TOTAL INCOME  $  56,680.00  $ 4,723.33  $              2,180.00  $  4,500.00  $     223.33
 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  $  4,231.08  $     115.51
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  $       10.36  $         0.86
IRA  $    6,500.00  $    541.67  $                 250.00  $     500.00  $       41.67
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  $     517.00  $   (473.92)
Household improvement/ repair  $       507.52  $      42.29  $                   19.52  $  1,412.65  $(1,370.36)
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  $     106.80  $     (20.70)
FOOD 5-15%
groceries  $    4,940.00  $    411.67  $                 190.00  $     433.94  $     (22.27)
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  $     106.52  $       87.60
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  $       14.15  $     (10.88)
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  $     102.50  $     (99.97)
personal, kids  $       121.42  $      10.12  $                     4.67  $       18.58  $       (8.46)
personal, husband  $         30.42  $        2.54  $                     1.17  $             -    $         2.54
pets  $       676.00  $      56.33  $                   26.00  $       29.00  $       27.33
work  $         89.70  $        7.48  $                     3.45  $       11.75  $       (4.28)
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  $     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  $    2,336.88  $    194.74  $                   89.88  $     455.67  $   (260.93)
NET SPENDING  $  52,159.00  $ 4,346.58  $              2,006.12  $  5,817.26  $(1,470.68)
 DIFFERENCE: NET INCOME/SPENDING   $           0.12  $        0.01  $                     0.00  $(1,586.18)

Thursday, January 25, 2018

Where we went over budget

We went over budget on clothes for the kids (my middle son was down to 1 pair of pants, that he liked so much it was getting holey)
We also splurged on ourselves and bought a new mattress.  Our old one was 22 years old, so it was long overdue.  This was a planned splurge, coming ahead of our tax refund we'll be getting here in a few weeks.  It just couldn't wait any more.  We're not getting any younger, and both of our backs have been screaming for a new mattress for a few years now...

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  $         7.77  $         3.45
IRA  $    6,500.00  $    541.67  $                 250.00  $     500.00  $       41.67
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  $     517.00  $   (473.92)
Household improvement/ repair  $       507.52  $      42.29  $                   19.52  $  1,405.30  $(1,363.01)
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  $     106.80  $     (20.70)
FOOD 5-15%
groceries  $    4,940.00  $    411.67  $                 190.00  $     314.01  $       97.66
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  $       14.15  $     (10.88)
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  $       18.58  $       (8.46)
personal, husband  $         30.42  $        2.54  $                     1.17  $             -    $         2.54
pets  $       676.00  $      56.33  $                   26.00  $       29.00  $       27.33
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  $     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  $    2,336.88  $    194.74  $                   89.88  $     455.67  $   (260.93)
NET SPENDING  $  52,159.00  $ 4,346.58  $              2,006.12  $  5,461.07  $(1,114.49)
 DIFFERENCE: NET INCOME/SPENDING   $           0.12  $        0.01  $                     0.00  $(1,329.99)

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