Thursday, September 8, 2016

Budget update


TOTAL INCOME  $   52,353.60  $ 4,362.80  $              2,013.60  $ 2,045.07  $   2,317.73

 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX




taxes, work  $     3,341.78  $    278.48  $                 128.53  $    130.93  $      147.55






NET INCOME  $   49,011.82  $ 4,084.32  $              1,885.07  $ 1,914.14  $   2,170.18






CHARITY 10-15%




fast offering  $     1,056.00  $      88.00  $                   40.62  $      88.00  $             -  
tithing  $     5,235.36  $    436.28  $                 201.36  $    204.51  $      231.77
SAVINGS 5-10%




emergency fund  $                -    $           -    $                         -    $           -    $             -  
kids savings  $          93.08  $        7.76  $                     3.58  $        1.79  $          5.97
retirement  $     4,711.82  $    392.65  $                 181.22  $    184.06  $      208.59
HOUSING 25-35%




dream home  $        260.00  $      21.67  $                   10.00  $        5.00  $        16.67
homeowner's insurance (Jan)  $        518.00  $      43.17  $                   19.92  $           -    $        43.17
Household improvement/ repair  $        322.92  $      26.91  $                   12.42  $           -    $        26.91
appliance replace  $        214.50  $      17.88  $                     8.25  $      84.23  $      (66.36)
real estate tax, county (Jun and Dec)  $     1,060.00  $      88.33  $                   40.77  $           -    $        88.33
real estate tax, town (Dec)  $        190.56  $      15.88  $                     7.33  $           -    $        15.88
UTILITIES 5-10%




internet  $        461.40  $      38.45  $                   17.75  $           -    $        38.45
phone- cell  $        239.98  $      20.00  $                     9.23  $           -    $        20.00
phone- home  $        189.12  $      15.76  $                     7.27  $           -    $        15.76
power  $     1,801.54  $    150.13  $                   69.29  $    109.47  $        40.66
water& trash  $     1,070.16  $      89.18  $                   41.16  $           -    $        89.18
FOOD 5-15%




groceries  $     4,576.00  $    381.33  $                 176.00  $    112.84  $      268.49
TRANSPORTATION 10-15%




car insurance (Jan and Jul)  $        410.30  $      34.19  $                   15.78  $           -    $        34.19
gasoline- buick  $        787.18  $      65.60  $                   30.28  $           -    $        65.60
gasoline- van  $     1,300.31  $    108.36  $                   50.01  $    107.67  $          0.69
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  $    121.07  $    (110.24)
MEDICAL 5-10%




health care  $     4,160.00  $    346.67  $                 160.00  $      66.28  $      280.39
health insurance  $     4,564.82  $    380.40 $175.57  $    175.57  $      204.83
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  $      42.05  $        44.62
personal, husband  $          78.00  $        6.50  $                     3.00  $           -    $          6.50
pets  $        676.00  $      56.33  $                   26.00  $           -    $        56.33
work  $                -    $           -    $                         -    $    (36.41)  $        36.41
RECREATION 5-10%




entertainment  $        260.00  $      21.67  $                   10.00  $           -    $        21.67
vacation  $        500.50  $      41.71  $                   19.25  $      18.50  $        23.21
disney  $     1,300.00  $    108.33  $                   50.00  $      25.00  $        83.33
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  $        322.92  $      26.91  $                   12.42  $           -    $        26.91
NET SPENDING  $   43,079.28  $ 3,589.94  $              1,885.07  $ 1,164.42  $   2,425.52
 DIFFERENCE: NET INCOME/SPENDING   $     5,932.54  $    494.38  $                     0.00  $    749.72  $    (255.34)

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