| TOTAL
INCOME |
$
52,353.60 |
$ 4,362.80 |
$ 2,013.60 |
$
6.45 |
$
4,356.35 |
|
Yearly total |
Monthly |
Average biweekly |
Actual |
Difference |
| INCOME TAX |
|
|
|
|
|
| taxes, work |
$ 3,264.88 |
$ 272.07 |
$ 125.57 |
$ -
|
$ 272.07 |
|
|
|
|
|
|
| NET INCOME |
$ 49,088.72 |
$ 4,090.73 |
$ 1,888.03 |
$ 6.45 |
$ 4,084.28 |
|
|
|
|
|
|
| CHARITY 10-15% |
|
|
|
|
|
| fast offering |
$ 1,056.00 |
$ 88.00 |
$ 40.62 |
$ 88.00 |
$ - |
| tithing |
$ 5,235.36 |
$ 436.28 |
$ 201.36 |
$ 0.65 |
$ 435.63 |
| SAVINGS 5-10% |
|
|
|
|
|
| emergency fund |
$ - |
$ -
|
$ - |
$ -
|
$ - |
| kids savings |
$ 85.80 |
$ 7.15 |
$ 3.30 |
$ 1.65 |
$ 5.50 |
| retirement |
$ 4,711.82 |
$ 392.65 |
$ 181.22 |
$ -
|
$ 392.65 |
| HOUSING 25-35% |
|
|
|
|
|
| dream home |
$ 260.00 |
$ 21.67 |
$ 10.00 |
$ -
|
$ 21.67 |
| homeowner's insurance (Jan) |
$ 518.00 |
$ 43.17 |
$ 19.92 |
$ -
|
$ 43.17 |
| Household improvement/ repair |
$ 241.28 |
$ 20.11 |
$ 9.28 |
$ -
|
$ 20.11 |
| appliance replace |
$ 214.50 |
$ 17.88 |
$ 8.25 |
$ -
|
$ 17.88 |
| real estate tax, county (Jun
and Dec) |
$ 1,210.40 |
$ 100.87 |
$ 46.55 |
$ 605.20 |
$ (504.33) |
| real estate tax, town (Dec) |
$ 217.60 |
$ 18.13 |
$ 8.37 |
$ -
|
$ 18.13 |
| UTILITIES 5-10% |
|
|
|
|
|
| internet |
$ 461.40 |
$ 38.45 |
$ 17.75 |
$ -
|
$ 38.45 |
| phone- cell |
$ 236.60 |
$ 19.72 |
$ 9.10 |
$ -
|
$ 19.72 |
| phone- home |
$ 189.12 |
$ 15.76 |
$ 7.27 |
$ -
|
$ 15.76 |
| power |
$ 1,856.66 |
$ 154.72 |
$ 71.41 |
$ -
|
$ 154.72 |
| water& trash |
$ 1,180.14 |
$ 98.35 |
$ 45.39 |
$ -
|
$ 98.35 |
| FOOD 5-15% |
|
|
|
|
|
| groceries |
$ 4,576.00 |
$ 381.33 |
$ 176.00 |
$ 55.22 |
$ 326.11 |
| TRANSPORTATION 10-15% |
|
|
|
|
|
| car insurance (Jan and Jul) |
$ 479.30 |
$ 39.94 |
$ 18.43 |
$ -
|
$ 39.94 |
| gasoline- buick |
$ 830.36 |
$ 69.20 |
$ 31.94 |
$ 17.63 |
$ 51.57 |
| gasoline- van |
$ 1,207.09 |
$ 100.59 |
$ 46.43 |
$ 30.72 |
$ 69.87 |
| registration, buick |
$ 39.42 |
$ 3.28 |
$ 1.52 |
$ -
|
$ 3.28 |
| registration, van |
$ 44.42 |
$ 3.70 |
$ 1.71 |
$ -
|
$ 3.70 |
| repair & maintain |
$ 1,703.00 |
$ 141.92 |
$ 65.50 |
$ -
|
$ 141.92 |
| replace |
$ 1,040.00 |
$ 86.67 |
$ 40.00 |
$ -
|
$ 86.67 |
| 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 |
$ 130.00 |
$ 10.83 |
$ 5.00 |
$ -
|
$ 10.83 |
| kids |
$ 234.00 |
$ 19.50 |
$ 9.00 |
$ -
|
$ 19.50 |
| husband |
$ 130.00 |
$ 10.83 |
$ 5.00 |
$ -
|
$ 10.83 |
| MEDICAL 5-10% |
|
|
|
|
|
| health care |
$ 4,160.00 |
$ 346.67 |
$ 160.00 |
$ 60.00 |
$ 286.67 |
| health insurance |
$ 4,564.82 |
$ 380.40 |
$175.57 |
$ -
|
$ 380.40 |
| PERSONAL 5-10% |
|
|
|
|
|
| Christmas |
$ 286.00 |
$ 23.83 |
$ 11.00 |
$ -
|
$ 23.83 |
| gifts |
$ 130.00 |
$ 10.83 |
$ 5.00 |
$ -
|
$ 10.83 |
| personal, me |
$ 78.00 |
$ 6.50 |
$ 3.00 |
$ -
|
$ 6.50 |
| personal, kids |
$ 1,040.00 |
$ 86.67 |
$ 40.00 |
$ -
|
$ 86.67 |
| personal, husband |
$ 78.00 |
$ 6.50 |
$ 3.00 |
$ -
|
$ 6.50 |
| pets |
$ 676.00 |
$ 56.33 |
$ 26.00 |
$ -
|
$ 56.33 |
| work |
$ - |
$ -
|
$ - |
$ -
|
$ - |
| RECREATION 5-10% |
|
|
|
|
|
| entertainment |
$ 260.00 |
$ 21.67 |
$ 10.00 |
$ -
|
$ 21.67 |
| vacation |
$ 390.00 |
$ 32.50 |
$ 15.00 |
$ -
|
$ 32.50 |
| 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 |
$ 241.28 |
$ 20.11 |
$ 9.28 |
$ 36.70 |
$ (16.59) |
| NET SPENDING |
$ 43,348.47 |
$ 3,612.37 |
$ 1,888.03 |
$ 895.77 |
$ 2,716.60 |
| DIFFERENCE: NET INCOME/SPENDING |
$ 5,740.25 |
$ 478.35 |
$ (0.00) |
$(889.32) |
$ 1,367.67 |
|
|
|
|
|
|
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