| TOTAL
INCOME |
$
43,992.00 |
$ 3,666.00 |
$ 1,692.00 |
$
3,978.04 |
$
(312.04) |
|
|
|
|
|
|
|
Yearly total |
Monthly |
Average biweekly |
Actual |
Difference |
| INCOME TAX |
|
|
|
|
|
| taxes, work |
$ 2,710.24 |
$ 225.85 |
$ 104.24 |
$ 249.32 |
$ (23.47) |
|
|
|
|
|
|
| NET INCOME |
$ 41,281.76 |
$ 3,440.15 |
$ 1,587.76 |
$ 3,728.72 |
$ (288.57) |
|
|
|
|
|
|
| CHARITY 10-15% |
|
|
|
|
|
| fast offering |
$ 719.94 |
$ 60.00 |
$ 27.69 |
$ 60.00 |
$ (0.00) |
| tithing |
$ 4,399.20 |
$ 366.60 |
$ 169.20 |
$ 397.80 |
$ (31.20) |
| SAVINGS 5-10% |
|
|
|
|
|
| emergency fund |
$ - |
$ -
|
$ - |
$ - |
$ - |
| kids savings |
$ 59.80 |
$ 4.98 |
$ 2.30 |
$ 3.45 |
$ 1.53 |
| retirement |
$ 1,319.76 |
$ 109.98 |
$ 50.76 |
$ 117.54 |
$ (7.56) |
| HOUSING 25-35% |
|
|
|
|
|
| dream home |
$ 26.00 |
$ 2.17 |
$ 1.00 |
$ 87.82 |
$ (85.65) |
| homeowner's insurance (Jan) |
$ 503.00 |
$ 41.92 |
$ 19.35 |
$ - |
$ 41.92 |
| Household improvement/ repair |
$ 244.92 |
$ 20.41 |
$ 9.42 |
$ 163.45 |
$ (143.04) |
| 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 |
$ 22.03 |
$ (1.84) |
| phone- home |
$ 189.12 |
$ 15.76 |
$ 7.27 |
$ 15.76 |
$ - |
| power |
$ 2,089.62 |
$ 174.14 |
$ 80.37 |
$ 108.21 |
$ 65.93 |
| water& trash (odd months) |
$ 1,298.96 |
$ 108.25 |
$ 49.96 |
$ 166.22 |
$ (57.97) |
| FOOD 5-15% |
|
|
|
|
|
| groceries |
$ 4,212.00 |
$ 351.00 |
$ 162.00 |
$ 391.73 |
$ (40.73) |
| TRANSPORTATION 10-15% |
|
|
|
|
|
| car insurance (Jan and Jul) |
$ 451.66 |
$ 37.64 |
$ 17.37 |
$ - |
$ 37.64 |
| gasoline- buick |
$ 719.55 |
$ 59.96 |
$ 27.67 |
$ 32.48 |
$ 27.48 |
| gasoline- van |
$ 969.97 |
$ 80.83 |
$ 37.31 |
$ 73.48 |
$ 7.35 |
| 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 |
$ 465.62 |
$ (439.23) |
| 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 |
$ 5.85 |
$ (1.13) |
| husband |
$ 30.68 |
$ 2.56 |
$ 1.18 |
$ - |
$ 2.56 |
| MEDICAL 5-10% |
|
|
|
|
|
| health care |
$ 2,600.00 |
$ 216.67 |
$ 100.00 |
$ 542.35 |
$ (325.68) |
| health insurance |
$ 5,994.30 |
$ 499.53 |
$230.55 |
$ 461.10 |
$ 38.42 |
| PERSONAL 5-10% |
|
|
|
|
|
| Christmas |
$ 21.58 |
$ 1.80 |
$ 0.83 |
$ 7.52 |
$ (5.72) |
| gifts |
$ 14.56 |
$ 1.21 |
$ 0.56 |
$ 6.78 |
$ (5.57) |
| personal, me |
$ 21.58 |
$ 1.80 |
$ 0.83 |
$ 18.41 |
$ (16.61) |
| personal, kids |
$ 174.20 |
$ 14.52 |
$ 6.70 |
$ 21.57 |
$ (7.05) |
| 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 |
$ (733.16) |
$ 734.14 |
| RECREATION 5-10% |
|
|
|
|
|
| entertainment |
$ 24.44 |
$ 2.04 |
$ 0.94 |
$ 24.09 |
$ (22.05) |
| vacation |
$ 105.82 |
$ 8.82 |
$ 4.07 |
$ - |
$ 8.82 |
| disney |
$ 1,300.00 |
$ 108.33 |
$ 50.00 |
$ 100.00 |
$ 8.33 |
| 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 |
$ 752.22 |
$ 4.19 |
| NET SPENDING |
$ 41,281.74 |
$ 3,440.14 |
$ 1,587.76 |
$ 3,455.71 |
$ (15.57) |
| DIFFERENCE |
$ 0.02 |
$ 0.00 |
$ 0.00 |
$ 273.01 |
|
|
|
|
|
|
|
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