| TOTAL INCOME | $ 43,992.00 | $ 3,666.00 | $ 1,692.00 | $ 30.00 | $ 3,636.00 |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 2,710.24 | $ 225.85 | $ 104.24 | $ - | $ 225.85 |
| NET INCOME | $ 41,281.76 | $ 3,440.15 | $ 1,587.76 | $ 30.00 | $ 3,410.15 |
| CHARITY 10-15% | |||||
| fast offering | $ 719.94 | $ 60.00 | $ 27.69 | $ 60.00 | $ (0.00) |
| tithing | $ 4,399.20 | $ 366.60 | $ 169.20 | $ 3.00 | $ 363.60 |
| SAVINGS 5-10% | |||||
| emergency fund | $ - | $ - | $ - | $ - | $ - |
| kids savings | $ 59.80 | $ 4.98 | $ 2.30 | $ - | $ 4.98 |
| retirement | $ 1,319.76 | $ 109.98 | $ 50.76 | $ - | $ 109.98 |
| HOUSING 25-35% | |||||
| dream home | $ 26.00 | $ 2.17 | $ 1.00 | $ - | $ 2.17 |
| homeowner's insurance (Jan) | $ 503.00 | $ 41.92 | $ 19.35 | $ - | $ 41.92 |
| Household improvement/ repair | $ 244.92 | $ 20.41 | $ 9.42 | $ - | $ 20.41 |
| 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 | $ 242.32 | $ 20.19 | $ 9.32 | $ - | $ 20.19 |
| phone- home | $ 189.12 | $ 15.76 | $ 7.27 | $ - | $ 15.76 |
| power | $ 2,089.62 | $ 174.14 | $ 80.37 | $ - | $ 174.14 |
| water& trash (odd months) | $ 1,298.96 | $ 108.25 | $ 49.96 | $ - | $ 108.25 |
| FOOD 5-15% | |||||
| groceries | $ 4,212.00 | $ 351.00 | $ 162.00 | $ 124.56 | $ 226.44 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 451.66 | $ 37.64 | $ 17.37 | $ - | $ 37.64 |
| gasoline- buick | $ 719.55 | $ 59.96 | $ 27.67 | $ - | $ 59.96 |
| gasoline- van | $ 969.97 | $ 80.83 | $ 37.31 | $ - | $ 80.83 |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 |
| repair, maintain, and replace | $ 316.68 | $ 26.39 | $ 12.18 | $ - | $ 26.39 |
| taxes, property- county (Dec) | $ 89.55 | $ 7.46 | $ 3.44 | $ - | $ 7.46 |
| taxes, property-town (Dec) | $ 84.86 | $ 7.07 | $ 3.26 | $ - | $ 7.07 |
| CLOTHING 2-7% | |||||
| me | $ 22.36 | $ 1.86 | $ 0.86 | $ - | $ 1.86 |
| kids | $ 56.68 | $ 4.72 | $ 2.18 | $ - | $ 4.72 |
| husband | $ 30.68 | $ 2.56 | $ 1.18 | $ - | $ 2.56 |
| MEDICAL 5-10% | |||||
| health care | $ 2,600.00 | $ 216.67 | $ 100.00 | $ - | $ 216.67 |
| health insurance | $ 5,994.30 | $ 499.53 | $230.55 | $ - | $ 499.53 |
| PERSONAL 5-10% | |||||
| Christmas | $ 21.58 | $ 1.80 | $ 0.83 | $ - | $ 1.80 |
| gifts | $ 14.56 | $ 1.21 | $ 0.56 | $ - | $ 1.21 |
| personal, me | $ 21.58 | $ 1.80 | $ 0.83 | $ - | $ 1.80 |
| personal, kids | $ 174.20 | $ 14.52 | $ 6.70 | $ - | $ 14.52 |
| personal, husband | $ 18.46 | $ 1.54 | $ 0.71 | $ - | $ 1.54 |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ - | $ 56.33 |
| work | $ 11.70 | $ 0.98 | $ 0.45 | $ - | $ 0.98 |
| RECREATION 5-10% | |||||
| entertainment | $ 24.44 | $ 2.04 | $ 0.94 | $ - | $ 2.04 |
| vacation | $ 105.82 | $ 8.82 | $ 4.07 | $ - | $ 8.82 |
| disney | $ 1,300.00 | $ 108.33 | $ 50.00 | $ - | $ 108.33 |
| 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 | $ 27.00 | $ 729.41 |
| NET SPENDING | $ 41,281.74 | $ 3,440.14 | $ 1,587.76 | $ 214.56 | $ 3,225.58 |
| DIFFERENCE | $ 0.02 | $ 0.00 | $ 0.00 | $(184.56) |
Saturday, November 7, 2015
Budget update
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