| TOTAL INCOME | $ 47,008.00 | $ 3,917.33 | $ 1,808.00 | $ 1,958.40 | $ 1,958.93 |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 2,710.24 | $ 225.85 | $ 104.24 | $ 119.67 | $ 106.18 |
| NET INCOME | $ 44,297.76 | $ 3,691.48 | $ 1,703.76 | $ 1,838.73 | $ 1,852.75 |
| CHARITY 10-15% | |||||
| fast offering | $ 719.94 | $ 60.00 | $ 27.69 | $ 60.00 | $ (0.00) |
| tithing | $ 4,700.80 | $ 391.73 | $ 180.80 | $ 195.84 | $ 195.89 |
| SAVINGS 5-10% | |||||
| emergency fund | $ 1,500.72 | $ 125.06 | $ 57.72 | $ - | $ 125.06 |
| kids savings | $ 65.00 | $ 5.42 | $ 2.50 | $ 2.50 | $ 2.92 |
| retirement | $ 1,319.76 | $ 109.98 | $ 50.76 | $ 56.95 | $ 53.03 |
| HOUSING 25-35% | |||||
| dream home | $ 736.32 | $ 61.36 | $ 28.32 | $ 14.90 | $ 46.46 |
| homeowner's insurance (Jan) | $ 518.00 | $ 43.17 | $ 19.92 | $ 518.00 | $ (474.83) |
| Household improvement/ repair | $ 234.00 | $ 19.50 | $ 9.00 | $ 11.77 | $ 7.73 |
| 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 | $ - | $ 24.44 |
| 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 | $ 268.14 | $ 113.19 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 479.30 | $ 39.94 | $ 18.43 | $ - | $ 39.94 |
| gasoline- buick | $ 669.79 | $ 55.82 | $ 25.76 | $ 39.28 | $ 16.54 |
| gasoline- van | $ 902.90 | $ 75.24 | $ 34.73 | $ 26.00 | $ 49.24 |
| 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 | $ - | $ 24.53 |
| 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 | $ 398.49 | $ (51.82) |
| health insurance | $ 4,564.82 | $ 380.40 | $175.57 | $ 175.57 | $ 204.83 |
| 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 | $ 1.00 | $ 11.46 |
| personal, husband | $ 12.74 | $ 1.06 | $ 0.49 | $ - | $ 1.06 |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ 37.88 | $ 18.45 |
| work | $ 9.88 | $ 0.82 | $ 0.38 | $ 65.92 | $ (65.10) |
| RECREATION 5-10% | |||||
| entertainment | $ 29.90 | $ 2.49 | $ 1.15 | $ - | $ 2.49 |
| vacation | $ 89.96 | $ 7.50 | $ 3.46 | $ - | $ 7.50 |
| 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 | $ 7,052.16 | $ 587.68 | $ 271.24 | $ 587.68 | $ - |
| husband's student loans extra | $ 2,920.84 | $ 243.40 | $ 112.34 | $ 166.34 | $ 77.06 |
| NET SPENDING | $ 44,297.71 | $ 3,691.48 | $ 1,703.76 | $ 3,132.19 | $ 559.29 |
| DIFFERENCE | $ 0.05 | $ 0.00 | $ 0.00 | $(1,293.46) |
Saturday, January 16, 2016
Budget update
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