Saturday, February 20, 2016

Budget update


TOTAL INCOME  $   47,008.00  $ 3,917.33  $              1,808.00  $ 3,706.00  $     211.33
TAX REFUND  $     4,486.13  $    373.84  $                 172.54  $    373.84  $             -  

 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX




taxes, work  $     2,931.50  $    244.29  $                 112.75  $    225.50  $       18.79






NET INCOME  $   44,076.50  $ 3,673.04  $              1,695.25  $ 3,480.50  $     192.54






CHARITY 10-15%




fast offering  $        719.94  $      60.00  $                   27.69  $      60.00  $       (0.00)
tithing  $     4,700.80  $    391.73  $                 180.80  $    189.80  $     201.93
SAVINGS 5-10%




emergency fund  $     1,500.72  $    125.06  $                   57.72  $           -    $     125.06
kids savings  $          65.00  $        5.42  $                     2.50  $        3.75  $         1.67
retirement  $     1,410.24  $    117.52  $                   54.24  $    108.48  $         9.04
HOUSING 25-35%




dream home  $        736.32  $      61.36  $                   28.32  $      51.09  $       10.27
homeowner's insurance (Jan)  $        518.00  $      43.17  $                   19.92  $           -    $       43.17
Household improvement/ repair  $        865.28  $      72.11  $                   33.28  $      20.14  $       51.97
appliance replace  $        214.50  $      17.88  $                     8.25  $           -    $       17.88
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  $        341.40  $      28.45  $                   13.13  $      28.45  $             -  
phone- cell  $        230.36  $      19.20  $                     8.86  $      16.10  $         3.10
phone- home  $        189.12  $      15.76  $                     7.27  $      15.76  $             -  
power  $     2,065.44  $    172.12  $                   79.44  $    185.42  $     (13.30)
water& trash (odd months)  $     1,225.12  $    102.09  $                   47.12  $           -    $     102.09
FOOD 5-15%




groceries  $     4,576.00  $    381.33  $                 176.00  $    294.43  $       86.90
TRANSPORTATION 10-15%




car insurance (Jan and Jul)  $        479.30  $      39.94  $                   18.43  $           -    $       39.94
gasoline- buick  $        646.83  $      53.90  $                   24.88  $      23.45  $       30.45
gasoline- van  $        871.94  $      72.66  $                   33.54  $           -    $       72.66
registration, buick  $          39.42  $        3.28  $                     1.52  $           -    $         3.28
registration, van  $          44.42  $        3.70  $                     1.71  $           -    $         3.70
repair & maintain  $     1,087.28  $      90.61  $                   41.82  $    123.45  $     (32.84)
replace  $        732.67  $      61.06  $                   28.18  $           -    $       61.06
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  $          80.59  $        6.72  $                     3.10  $           -    $         6.72
kids  $        161.19  $      13.43  $                     6.20  $      86.69  $     (73.26)
husband  $          80.59  $        6.72  $                     3.10  $      23.03  $     (16.31)
MEDICAL 5-10%




health care  $     4,160.00  $    346.67  $                 160.00  $    212.16  $     134.51
health insurance  $     4,564.82  $    380.40 $175.57  $    351.14  $       29.26
PERSONAL 5-10%




Christmas  $        211.74  $      17.65  $                     8.14  $           -    $       17.65
gifts  $        124.55  $      10.38  $                     4.79  $      12.79  $       (2.41)
personal, me  $          54.95  $        4.58  $                     2.11  $        3.00  $         1.58
personal, kids  $        552.43  $      46.04  $                   21.25  $    144.27  $     (98.23)
personal, husband  $          54.95  $        4.58  $                     2.11  $        3.00  $         1.58
pets  $        676.00  $      56.33  $                   26.00  $      45.61  $       10.72
work  $          36.63  $        3.05  $                     1.41  $    261.09  $   (258.04)
RECREATION 5-10%




entertainment  $        111.37  $        9.28  $                     4.28  $           -    $         9.28
vacation  $        331.90  $      27.66  $                   12.77  $           -    $       27.66
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  $     3,576.56  $    298.05  $                 137.56  $    336.03  $     (37.98)
NET SPENDING  $   44,076.63  $ 3,673.05  $              1,695.25  $ 2,607.12  $  1,065.93
NET TAX REFUND SPENDING  $     4,486.13  $    373.84  $                 172.54  $    677.46  $   (303.62)
 DIFFERENCE: NET INCOME/SPENDING   $          (0.13)  $      (0.01)  $                   (0.00)  $    873.38  $   (873.39)
DIFFERENCE: NET TAX REFUND/SPENDING  $                -    $           -    $                         -    $  (303.62)  $     303.62

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