Saturday, March 19, 2016

Budget update


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  $      28.93  $       32.43
homeowner's insurance (Jan)  $        518.00  $      43.17  $                   19.92  $           -    $       43.17
Household improvement/ repair  $        865.28  $      72.11  $                   33.28  $      34.69  $       37.42
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  $    272.41  $     108.92
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  $      12.64  $       (5.92)
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  $      85.56  $     (75.18)
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  $      42.78  $       13.55
work  $          36.63  $        3.05  $                     1.41  $    275.86  $   (272.81)
RECREATION 5-10%




entertainment  $        111.37  $        9.28  $                     4.28  $      52.11  $     (42.83)
vacation  $        331.90  $      27.66  $                   12.77  $      79.04  $     (51.38)
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  $ 3,009.90  $     663.15
NET TAX REFUND SPENDING  $     4,486.13  $    373.84  $                 172.54  $    543.09  $   (169.25)
 DIFFERENCE: NET INCOME/SPENDING   $          (0.05)  $      (0.00)  $                   (0.00)  $ 1,314.57  $(1,314.57)
DIFFERENCE: NET TAX REFUND/SPENDING  $                -    $           -    $                         -    $  (543.09)  $     543.09

No comments:

Post a Comment