Saturday, January 30, 2016

Budget update- final numbers for January


TOTAL INCOME  $  47,008.00  $ 3,917.33  $              1,808.00  $  3,819.60  $       97.73







 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX




taxes, work  $    2,710.24  $    225.85  $                 104.24  $     235.88  $     (10.03)






NET INCOME  $  44,297.76  $ 3,691.48  $              1,703.76  $  3,583.72  $     107.76






CHARITY 10-15%




fast offering  $       719.94  $      60.00  $                   27.69  $       60.00  $       (0.00)
tithing  $    4,700.80  $    391.73  $                 180.80  $     381.96  $         9.77
SAVINGS 5-10%




emergency fund  $    1,500.72  $    125.06  $                   57.72  $             -    $     125.06
kids savings  $         65.00  $        5.42  $                     2.50  $         5.00  $         0.42
retirement  $    1,319.76  $    109.98  $                   50.76  $     112.55  $       (2.57)
HOUSING 25-35%




dream home  $       736.32  $      61.36  $                   28.32  $       65.45  $       (4.09)
homeowner's insurance (Jan)  $       518.00  $      43.17  $                   19.92  $     518.00  $   (474.83)
Household improvement/ repair  $       234.00  $      19.50  $                     9.00  $       14.01  $         5.49
real estate tax, county (Jun and Dec)  $    1,210.40  $    100.87  $                   46.55  $             -    $     100.87
real estate tax, town (Dec)  $       217.60  $      18.13  $                     8.37  $             -    $       18.13
UTILITIES 5-10%




internet  $       293.28  $      24.44  $                   11.28  $       28.45  $       (4.01)
phone- cell  $       230.36  $      19.20  $                     8.86  $       16.09  $         3.11
phone- home  $       189.12  $      15.76  $                     7.27  $       15.76  $             -  
power  $    2,065.44  $    172.12  $                   79.44  $     190.41  $     (18.29)
water& trash (odd months)  $    1,225.12  $    102.09  $                   47.12  $     187.97  $     (85.88)
FOOD 5-15%




groceries  $    4,576.00  $    381.33  $                 176.00  $     424.87  $     (43.54)
TRANSPORTATION 10-15%




car insurance (Jan and Jul)  $       479.30  $      39.94  $                   18.43  $     239.65  $   (199.71)
gasoline- buick  $       669.79  $      55.82  $                   25.76  $       88.47  $     (32.65)
gasoline- van  $       902.90  $      75.24  $                   34.73  $       52.53  $       22.71
registration, buick  $         39.42  $        3.28  $                     1.52  $             -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $             -    $         3.70
repair & maintain  $       294.32  $      24.53  $                   11.32  $     103.11  $     (78.58)
replace  $       198.12  $      16.51  $                     7.62  $             -    $       16.51
taxes, property- county (Dec)  $         89.55  $        7.46  $                     3.44  $             -    $         7.46
taxes, property-town (Dec)  $         81.44  $        6.79  $                     3.13  $             -    $         6.79
CLOTHING 2-7%




me  $           2.34  $        0.20  $                     0.09  $             -    $         0.20
kids  $         44.20  $        3.68  $                     1.70  $       13.69  $     (10.01)
husband  $         22.88  $        1.91  $                     0.88  $             -    $         1.91
MEDICAL 5-10%




health care  $    4,160.00  $    346.67  $                 160.00  $     525.07  $   (178.40)
health insurance  $    4,564.82  $    380.40 $175.57  $     351.14  $       29.26
PERSONAL 5-10%




Christmas  $         57.20  $        4.77  $                     2.20  $             -    $         4.77
gifts  $         13.78  $        1.15  $                     0.53  $             -    $         1.15
personal, me  $         17.16  $        1.43  $                     0.66  $             -    $         1.43
personal, kids  $       149.50  $      12.46  $                     5.75  $         1.50  $       10.96
personal, husband  $         12.74  $        1.06  $                     0.49  $       10.70  $       (9.64)
pets  $       676.00  $      56.33  $                   26.00  $       37.88  $       18.45
work  $           9.88  $        0.82  $                     0.38  $   (505.92)  $     506.74
RECREATION 5-10%




entertainment  $         29.90  $        2.49  $                     1.15  $       33.60  $     (31.11)
vacation  $         89.96  $        7.50  $                     3.46  $             -    $         7.50
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  $    7,052.16  $    587.68  $                 271.24  $     587.68  $             -  
husband's student loans extra  $    2,920.84  $    243.40  $                 112.34  $     278.68  $     (35.28)
NET SPENDING  $  44,297.71  $ 3,691.48  $              1,703.76  $  3,986.07  $   (294.59)
 DIFFERENCE   $           0.05  $        0.00  $                     0.00  $   (402.35)
































































































































































































































































































































































































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