| TOTAL INCOME | $ 47,008.00 | $ 3,917.33 | $ 1,808.00 | $ 1,868.00 | $ 2,049.33 |
| TAX REFUND | $ 5,483.20 | $ 456.93 | $ 210.89 | ||
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 2,931.50 | $ 244.29 | $ 112.75 | $ 112.75 | $ 131.54 |
| NET INCOME | $ 44,076.50 | $ 3,673.04 | $ 1,695.25 | $ 1,755.25 | $ 1,917.79 |
| CHARITY 10-15% | |||||
| fast offering | $ 719.94 | $ 60.00 | $ 27.69 | $ 60.00 | $ (0.00) |
| tithing | $ 4,700.80 | $ 391.73 | $ 180.80 | $ 186.80 | $ 204.93 |
| 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 | $ 1,410.24 | $ 117.52 | $ 54.24 | $ 54.24 | $ 63.28 |
| HOUSING 25-35% | |||||
| dream home | $ 736.32 | $ 61.36 | $ 28.32 | $ 50.82 | $ 10.54 |
| homeowner's insurance (Jan) | $ 518.00 | $ 43.17 | $ 19.92 | $ - | $ 43.17 |
| Household improvement/ repair | $ 1,057.60 | $ 88.13 | $ 40.68 | $ 6.92 | $ 81.21 |
| 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 | $ - | $ 19.20 |
| 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 | $ 183.99 | $ 197.34 |
| 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 | $ 1,328.93 | $ 110.74 | $ 51.11 | $ 38.95 | $ 71.79 |
| replace | $ 895.51 | $ 74.63 | $ 34.44 | $ - | $ 74.63 |
| 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 | $ 98.51 | $ 8.21 | $ 3.79 | $ - | $ 8.21 |
| kids | $ 197.01 | $ 16.42 | $ 7.58 | $ - | $ 16.42 |
| husband | $ 98.51 | $ 8.21 | $ 3.79 | $ - | $ 8.21 |
| MEDICAL 5-10% | |||||
| health care | $ 4,160.00 | $ 346.67 | $ 160.00 | $ 81.58 | $ 265.09 |
| health insurance | $ 4,564.82 | $ 380.40 | $175.57 | $ 175.57 | $ 204.83 |
| PERSONAL 5-10% | |||||
| Christmas | $ 258.80 | $ 21.57 | $ 9.95 | $ - | $ 21.57 |
| gifts | $ 152.24 | $ 12.69 | $ 5.86 | $ - | $ 12.69 |
| personal, me | $ 67.16 | $ 5.60 | $ 2.58 | $ 3.00 | $ 2.60 |
| personal, kids | $ 675.21 | $ 56.27 | $ 25.97 | $ 119.34 | $ (63.07) |
| personal, husband | $ 67.16 | $ 5.60 | $ 2.58 | $ 3.00 | $ 2.60 |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ 45.61 | $ 10.72 |
| work | $ 44.78 | $ 3.73 | $ 1.72 | $ 10.90 | $ (7.17) |
| RECREATION 5-10% | |||||
| entertainment | $ 136.12 | $ 11.34 | $ 5.24 | $ - | $ 11.34 |
| vacation | $ 405.67 | $ 33.81 | $ 15.60 | $ - | $ 33.81 |
| 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 | $ 191.56 | $ 106.49 |
| NET SPENDING | $ 44,076.63 | $ 3,673.05 | $ 1,695.25 | $ 1,291.54 | $ 2,381.51 |
| NET TAX REFUND SPENDING | $ 5,483.20 | $ 456.93 | $ 210.89 | $ 182.11 | $ 274.82 |
| DIFFERENCE: NET INCOME/SPENDING | $ (0.13) | $ (0.01) | $ (0.00) | $ 463.71 | $ (463.72) |
| DIFFERENCE: NET TAX REFUND/SPENDING | $ - | $ - | $ - | $ (182.11) | $ (274.82) |
Saturday, February 13, 2016
Budget update
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