Saturday, February 6, 2016

Budget update


TOTAL INCOME  $  47,008.00  $ 3,917.33  $              1,808.00  $ 1,868.00  $  2,049.33
TAX REFUND





 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  $        1.25  $         4.17
retirement  $    1,410.24  $    117.52  $                   54.24  $      54.24  $       63.28
HOUSING 25-35%




dream home  $       736.32  $      61.36  $                   28.32  $      14.48  $       46.88
homeowner's insurance (Jan)  $       518.00  $      43.17  $                   19.92  $           -    $       43.17
Household improvement/ repair  $              -    $           -  
 $           -    $             -  
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  $           -    $     172.12
water& trash (odd months)  $    1,225.12  $    102.09  $                   47.12  $           -    $     102.09
FOOD 5-15%




groceries  $    4,576.00  $    381.33  $                 176.00  $      85.72  $     295.61
TRANSPORTATION 10-15%




car insurance (Jan and Jul)  $       479.30  $      39.94  $                   18.43  $           -    $       39.94
gasoline- buick  $       646.83  $      53.90  $                   24.88  $        5.05  $       48.85
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  $              -    $           -  
 $      38.95  $     (38.95)
replace  $              -    $           -  
 $           -    $             -  
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  $              -    $           -  
 $           -    $             -  
kids  $              -    $           -  
 $           -    $             -  
husband  $              -    $           -  
 $           -    $             -  
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  $              -    $           -  
 $           -    $             -  
gifts  $              -    $           -  
 $           -    $             -  
personal, me  $              -    $           -  
 $        3.00  $       (3.00)
personal, kids  $              -    $           -  
 $      12.00  $     (12.00)
personal, husband  $              -    $           -  
 $        3.00  $       (3.00)
pets  $       676.00  $      56.33  $                   26.00  $      45.61  $       10.72
work  $              -    $           -  
 $      10.90  $     (10.90)
RECREATION 5-10%




entertainment  $              -    $           -  
 $           -    $             -  
vacation  $              -    $           -  
 $           -    $             -  
disney  $    1,300.00  $    108.33  $                   50.00  $           -    $     108.33
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  $    901.86  $  2,771.19
NET TAX REFUND SPENDING  $              -    $           -    $                         -    $      67.85  $     (67.85)
 DIFFERENCE: NET INCOME/SPENDING   $         (0.13)  $      (0.01)  $                   (0.00)  $    853.39  $   (853.40)
DIFFERENCE: NET TAX REFUND/SPENDING  $              -    $           -    $                         -    $    (67.85)  $       67.85

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