Saturday, April 9, 2016

Budget update


TOTAL INCOME  $  47,008.00  $ 3,917.33  $              1,808.00  $  2,822.88  $  1,094.45
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  $     197.86  $       46.43






NET INCOME  $  44,076.50  $ 3,673.04  $              1,695.25  $  2,625.02  $  1,048.02






CHARITY 10-15%




fast offering  $    1,056.00  $      88.00  $                   40.62  $             -    $       88.00
tithing  $    4,700.80  $    391.73  $                 180.80  $     282.29  $     109.44
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  $       82.44  $       35.08
HOUSING 25-35%




dream home  $       736.32  $      61.36  $                   28.32  $       15.64  $       45.72
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  $       230.62  $      19.22  $                     8.87  $             -    $       19.22
phone- home  $       189.12  $      15.76  $                     7.27  $             -    $       15.76
power  $    1,920.36  $    160.03  $                   73.86  $     225.15  $     (65.12)
water& trash (odd months)  $    1,192.36  $      99.36  $                   45.86  $             -    $       99.36
FOOD 5-15%




groceries  $    4,576.00  $    381.33  $                 176.00  $     174.97  $     206.36
TRANSPORTATION 10-15%




car insurance (Jan and Jul)  $       479.30  $      39.94  $                   18.43  $             -    $       39.94
gasoline- buick  $       737.20  $      61.43  $                   28.35  $             -    $       61.43
gasoline- van  $    1,071.66  $      89.30  $                   41.22  $         9.89  $       79.41
registration, buick  $         39.42  $        3.28  $                     1.52  $             -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $             -    $         3.70
repair & maintain  $              -    $           -    $                         -    $         1.00  $       (1.00)
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  $     -  $   (157.82)
health insurance  $    4,564.82  $    380.40 $175.57  $     175.57  $     204.83
PERSONAL 5-10%




Christmas  $              -    $           -    $                         -    $             -    $             -  
gifts  $              -    $           -    $                         -    $             -    $             -  
personal, me  $              -    $           -    $                         -    $             -    $             -  
personal, kids  $              -    $           -    $                         -    $         0.80  $       (0.80)
personal, husband  $              -    $           -    $                         -    $         2.62  $       (2.62)
pets  $       676.00  $      56.33  $                   26.00  $             -    $       56.33
work  $              -    $           -    $                         -    $(1,143.75)  $  1,143.75
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  $    3,125.20  $    260.43  $                 120.20  $     187.70  $       72.73
NET SPENDING  $  44,076.44  $ 3,673.04  $              1,695.25  $  1,659.44  $  2,013.60
NET TAX REFUND SPENDING  $              -    $           -    $                         -    $(1,139.33)  $  1,139.33
 DIFFERENCE: NET INCOME/SPENDING   $           0.06  $        0.01  $                     0.00  $     965.58  $   (965.57)
DIFFERENCE: NET TAX REFUND/SPENDING  $    4,486.13  $    373.84  $                 172.54  $  1,139.33  $   (765.49)

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