Saturday, July 23, 2016

Budget update


TOTAL INCOME  $   52,353.60  $ 4,362.80  $              2,013.60  $ 4,278.56  $        84.24

 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX




taxes, work  $     3,341.78  $    278.48  $                 128.53  $    272.04  $          6.44






NET INCOME  $   49,011.82  $ 4,084.32  $              1,885.07  $ 4,006.52  $        77.80






CHARITY 10-15%




fast offering  $     1,056.00  $      88.00  $                   40.62  $      88.00  $             -  
tithing  $     5,235.36  $    436.28  $                 201.36  $    226.50  $      209.78
SAVINGS 5-10%




emergency fund  $                -    $           -    $                         -    $           -    $             -  
kids savings  $          85.80  $        7.15  $                     3.30  $        5.37  $          1.78
retirement  $     4,711.82  $    392.65  $                 181.22  $    380.57  $        12.08
HOUSING 25-35%




dream home  $        260.00  $      21.67  $                   10.00  $      15.00  $          6.67
homeowner's insurance (Jan)  $        518.00  $      43.17  $                   19.92  $           -    $        43.17
Household improvement/ repair  $        250.90  $      20.91  $                     9.65  $    216.83  $    (195.92)
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  $        461.40  $      38.45  $                   17.75  $      38.45  $             -  
phone- cell  $        236.60  $      19.72  $                     9.10  $      19.10  $          0.62
phone- home  $        189.12  $      15.76  $                     7.27  $      15.76  $             -  
power  $     1,856.66  $    154.72  $                   71.41  $    111.74  $        42.98
water& trash  $     1,252.16  $    104.35  $                   48.16  $      84.26  $        20.09
FOOD 5-15%




groceries  $     4,576.00  $    381.33  $                 176.00  $    372.03  $          9.30
TRANSPORTATION 10-15%




car insurance (Jan and Jul)  $        410.30  $      34.19  $                   15.78  $    205.15  $    (170.96)
gasoline- buick  $        789.85  $      65.82  $                   30.38  $      37.35  $        28.47
gasoline- van  $     1,148.21  $      95.68  $                   44.16  $    202.54  $    (106.86)
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  $      19.22  $      122.70
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  $      14.00  $        (3.17)
MEDICAL 5-10%




health care  $     4,160.00  $    346.67  $                 160.00  $    195.58  $      151.09
health insurance  $     4,564.82  $    380.40 $175.57  $    351.14  $        29.26
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  $      21.12  $      (14.62)
personal, kids  $     1,040.00  $      86.67  $                   40.00  $        2.16  $        84.51
personal, husband  $          78.00  $        6.50  $                     3.00  $           -    $          6.50
pets  $        676.00  $      56.33  $                   26.00  $           -    $        56.33
work  $                -    $           -    $                         -    $  (193.09)  $      193.09
RECREATION 5-10%




entertainment  $        260.00  $      21.67  $                   10.00  $      82.20  $      (60.53)
vacation  $        390.00  $      32.50  $                   15.00  $    397.66  $    (365.16)
disney  $     1,300.00  $    108.33  $                   50.00  $      75.00  $        33.33
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  $        251.16  $      20.93  $                     9.66  $    250.75  $    (229.82)
NET SPENDING  $   43,261.99  $ 3,605.17  $              1,885.07  $ 3,309.74  $      295.43
 DIFFERENCE: NET INCOME/SPENDING   $     5,749.83  $    479.15  $                   (0.00)  $    696.78  $    (217.63)

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