Saturday, March 5, 2016

Budget update


TOTAL INCOME  $   47,008.00  $ 3,917.33  $              1,808.00  $ 2,118.75  $  1,798.58
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  $    136.53  $     107.76






NET INCOME  $   44,076.50  $ 3,673.04  $              1,695.25  $ 1,982.22  $  1,690.82






CHARITY 10-15%




fast offering  $     1,056.00  $      88.00  $                   40.62  $      88.00  $             -  
tithing  $     4,700.80  $    391.73  $                 180.80  $    211.88  $     179.85
SAVINGS 5-10%




emergency fund  $     1,500.72  $    125.06  $                   57.72  $           -    $     125.06
kids savings  $          67.60  $        5.63  $                     2.60  $        1.30  $         4.33
retirement  $     1,410.24  $    117.52  $                   54.24  $      63.56  $       53.96
HOUSING 25-35%




dream home  $        736.32  $      61.36  $                   28.32  $           -    $       61.36
homeowner's insurance (Jan)  $        518.00  $      43.17  $                   19.92  $           -    $       43.17
Household improvement/ repair  $        865.28  $      72.11  $                   33.28  $           -    $       72.11
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  $        230.62  $      19.22  $                     8.87  $           -    $       19.22
phone- home  $        189.12  $      15.76  $                     7.27  $           -    $       15.76
power  $     1,920.36  $    160.03  $                   73.86  $           -    $     160.03
water& trash (odd months)  $     1,192.36  $      99.36  $                   45.86  $    213.74  $   (114.38)
FOOD 5-15%




groceries  $     4,576.00  $    381.33  $                 176.00  $      74.10  $     307.23
TRANSPORTATION 10-15%




car insurance (Jan and Jul)  $        479.30  $      39.94  $                   18.43  $           -    $       39.94
gasoline- buick  $        603.53  $      50.29  $                   23.21  $           -    $       50.29
gasoline- van  $        877.35  $      73.11  $                   33.74  $           -    $       73.11
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  $           -    $       90.61
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  $           -    $       13.43
husband  $          80.59  $        6.72  $                     3.10  $           -    $         6.72
MEDICAL 5-10%




health care  $     4,160.00  $    346.67  $                 160.00  $      70.81  $     275.86
health insurance  $     4,564.82  $    380.40 $175.57  $    175.57  $     204.83
PERSONAL 5-10%




Christmas  $        211.74  $      17.65  $                     8.14  $           -    $       17.65
gifts  $        124.55  $      10.38  $                     4.79  $      70.06  $     (59.68)
personal, me  $          54.95  $        4.58  $                     2.11  $        1.59  $         2.99
personal, kids  $        552.43  $      46.04  $                   21.25  $        0.80  $       45.24
personal, husband  $          54.95  $        4.58  $                     2.11  $           -    $         4.58
pets  $        676.00  $      56.33  $                   26.00  $           -    $       56.33
work  $          36.63  $        3.05  $                     1.41  $      90.83  $     (87.78)
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  $           -    $     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  $     3,453.32  $    287.78  $                 132.82  $    265.00  $       22.78
NET SPENDING  $   44,076.58  $ 3,673.05  $              1,695.25  $ 1,163.96  $  2,509.09
NET TAX REFUND SPENDING  $     4,486.13  $    373.84  $                 172.54  $    163.28  $     210.56
 DIFFERENCE: NET INCOME/SPENDING   $          (0.08)  $      (0.01)  $                   (0.00)  $    818.26  $   (818.27)
DIFFERENCE: NET TAX REFUND/SPENDING  $                -    $           -    $                         -    $  (163.28)  $     163.28

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