| TOTAL INCOME | $ 47,008.00 | $ 3,917.33 | $ 1,808.00 | $ 4,627.35 | $ (710.02) |
| 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 | $ 302.88 | $ (58.59) |
| NET INCOME | $ 44,076.50 | $ 3,673.04 | $ 1,695.25 | $ 4,324.47 | $ (651.43) |
| CHARITY 10-15% | |||||
| fast offering | $ 1,056.00 | $ 88.00 | $ 40.62 | $ 88.00 | $ - |
| tithing | $ 4,700.80 | $ 391.73 | $ 180.80 | $ 462.74 | $ (71.01) |
| SAVINGS 5-10% | |||||
| emergency fund | $ 1,500.72 | $ 125.06 | $ 57.72 | $ 57.72 | $ 67.34 |
| kids savings | $ 67.60 | $ 5.63 | $ 2.60 | $ 3.90 | $ 1.73 |
| retirement | $ 1,410.24 | $ 117.52 | $ 54.24 | $ 138.82 | $ (21.30) |
| HOUSING 25-35% | |||||
| dream home | $ 736.32 | $ 61.36 | $ 28.32 | $ 28.45 | $ 32.91 |
| 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 | $ 258.13 | $ (98.10) |
| 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 | $ 225.94 | $ 155.39 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 479.30 | $ 39.94 | $ 18.43 | $ - | $ 39.94 |
| gasoline- buick | $ 708.84 | $ 59.07 | $ 27.26 | $ - | $ 59.07 |
| gasoline- van | $ 1,030.44 | $ 85.87 | $ 39.63 | $ 26.12 | $ 59.75 |
| 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 | $ 351.14 | $ 29.26 |
| 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 | $ 1.60 | $ 44.44 |
| 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 | $ 508.17 | $ (505.12) |
| RECREATION 5-10% | |||||
| entertainment | $ 111.37 | $ 9.28 | $ 4.28 | $ 52.11 | $ (42.83) |
| vacation | $ 331.90 | $ 27.66 | $ 12.77 | $ 58.00 | $ (30.34) |
| 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 | $ 3,194.88 | $ 266.24 | $ 122.88 | $ 265.00 | $ 1.24 |
| NET SPENDING | $ 44,076.55 | $ 3,673.05 | $ 1,695.25 | $ 2,904.41 | $ 768.64 |
| NET TAX REFUND SPENDING | $ 4,486.13 | $ 373.84 | $ 172.54 | $ 691.53 | $ (317.69) |
| DIFFERENCE: NET INCOME/SPENDING | $ (0.05) | $ (0.00) | $ (0.00) | $ 1,420.06 | $(1,420.06) |
| DIFFERENCE: NET TAX REFUND/SPENDING | $ - | $ - | $ - | $ (691.53) | $ 691.53 |
Saturday, March 12, 2016
Budget update
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