Saturday, September 12, 2015

Budget update


TOTAL INCOME  $   43,992.00  $ 3,666.00  $              1,692.00  $ 2,125.52  $  1,596.00







 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX




taxes, work  $     2,710.24  $    225.85  $                 104.24  $    123.24  $     102.61






NET INCOME  $   41,281.76  $ 3,440.15  $              1,587.76  $ 2,002.28  $  1,437.87






CHARITY 10-15%




fast offering  $        719.94  $      60.00  $                   27.69  $      60.00  $       (0.00)
tithing  $     4,399.20  $    366.60  $                 169.20  $    212.55  $     154.05
SAVINGS 5-10%




emergency fund  $                -    $           -    $                         -    $           -    $             -  
kids savings  $          54.60  $        4.55  $                     2.10  $        2.10  $         2.45
retirement  $     1,319.76  $    109.98  $                   50.76  $      58.22  $       51.76
HOUSING 25-35%




dream home  $                -    $           -    $                         -    $        0.70  $       (0.70)
homeowner's insurance (Jan)  $        503.00  $      41.92  $                   19.35  $           -    $       41.92
Household improvement/ repair  $        131.56  $      10.96  $                     5.06  $           -    $       10.96
real estate tax, county (Jun and Dec)  $     1,210.40  $    100.87  $                   46.55  $           -    $     100.87
real estate tax, town (Dec)  $        180.70  $      15.06  $                     6.95  $           -    $       15.06
UTILITIES 5-10%




internet  $        251.40  $      20.95  $                     9.67  $           -    $       20.95
phone- cell  $        251.68  $      20.97  $                     9.68  $      11.28  $         9.69
phone- home  $        189.12  $      15.76  $                     7.27  $           -    $       15.76
power  $     2,174.90  $    181.24  $                   83.65  $    131.60  $       49.64
water& trash (odd months)  $     1,288.56  $    107.38  $                   49.56  $    214.60  $   (107.22)
FOOD 5-15%




groceries  $     4,212.00  $    351.00  $                 162.00  $    146.25  $     204.75
TRANSPORTATION 10-15%




car insurance (Jan and Jul)  $        451.66  $      37.64  $                   17.37  $           -    $       37.64
gasoline- buick  $        810.94  $      67.58  $                   31.19  $      23.72  $       43.86
gasoline- van  $     1,028.74  $      85.73  $                   39.57  $      34.08  $       51.65
registration, buick  $          39.42  $        3.28  $                     1.52  $           -    $         3.28
registration, van  $          44.42  $        3.70  $                     1.71  $           -    $         3.70
repair, maintain, and replace  $        205.66  $      17.14  $                     7.91  $           -    $       17.14
taxes, property- county (Dec)  $        107.26  $        8.94  $                     4.13  $           -    $         8.94
taxes, property-town (Dec)  $          84.86  $        7.07  $                     3.26  $           -    $         7.07
CLOTHING 2-7%




me  $          13.52  $        1.13  $                     0.52  $           -    $         1.13
kids  $          31.98  $        2.67  $                     1.23  $           -    $         2.67
husband  $          21.84  $        1.82  $                     0.84  $           -    $         1.82
MEDICAL 5-10%




health care  $     2,600.00  $    216.67  $                 100.00  $    114.81  $     101.86
health insurance  $     5,994.30  $    499.53 $230.55  $    230.55  $     268.98
PERSONAL 5-10%




Christmas  $          15.08  $        1.26  $                     0.58  $           -    $         1.26
gifts  $            7.80  $        0.65  $                     0.30  $           -    $         0.65
personal, me  $          14.30  $        1.19  $                     0.55  $           -    $         1.19
personal, kids  $        140.66  $      11.72  $                     5.41  $      18.10  $       (6.38)
personal, husband  $        163.54  $      13.63  $                     6.29  $           -    $       13.63
pets  $        676.00  $      56.33  $                   26.00  $      35.47  $       20.86
work  $            0.78  $        0.07  $                     0.03  $    273.19  $   (273.13)
RECREATION 5-10%




entertainment  $          14.30  $        1.19  $                     0.55  $           -    $         1.19
vacation  $          81.64  $        6.80  $                     3.14  $           -    $         6.80
disney  $     1,300.00  $    108.33  $                   50.00  $      50.00  $       58.33
DEBT 5-10%




my student loans  $        573.24  $      47.77  $                   22.05  $           -    $       47.77
husband's student loans  $        896.04  $      74.67  $                   34.46  $           -    $       74.67
husband's student loans extra  $     9,076.86  $    756.41  $                 349.11  $    403.11  $     353.30
NET SPENDING  $   41,281.65  $ 3,440.14  $              1,587.76  $ 2,020.33  $  1,419.81
 DIFFERENCE   $            0.11  $        0.01  $                     0.00  $    (18.05)

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