Thursday, October 6, 2016

Budget update


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

 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX




taxes, work  $   3,341.78  $       278.48  $                 128.53  $          -    $     278.48






NET INCOME  $ 49,011.82  $    4,084.32  $              1,885.07  $          -    $  4,084.32






CHARITY 10-15%




fast offering  $   1,056.00  $         88.00  $                   40.62  $    88.00  $             -  
tithing  $   5,235.36  $       436.28  $                 201.36  $          -    $     436.28
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  $          -    $     392.65
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  $      233.48  $         19.46  $                     8.98  $          -    $       19.46
appliance replace  $      214.50  $         17.88  $                     8.25  $          -    $       17.88
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  $  119.20  $       30.93
water& trash  $   1,142.18  $         95.18  $                   43.93  $          -    $       95.18
FOOD 5-15%




groceries  $   4,576.00  $       381.33  $                 176.00  $    20.63  $     360.70
TRANSPORTATION 10-15%




car insurance (Jan and Jul)  $      410.30  $         34.19  $                   15.78  $          -    $       34.19
gasoline- buick  $      827.55  $         68.96  $                   31.83  $          -    $       68.96
gasoline- van  $   1,366.99  $       113.92  $                   52.58  $          -    $     113.92
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  $  272.69  $       73.98
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  $      7.56  $       79.11
personal, husband  $        78.00  $           6.50  $                     3.00  $          -    $         6.50
pets  $      676.00  $         56.33  $                   26.00  $          -    $       56.33
work  $              -    $               -    $                        -    $    80.71  $     (80.71)
RECREATION 5-10%




entertainment  $      260.00  $         21.67  $                   10.00  $          -    $       21.67
vacation  $      500.50  $         41.71  $                   19.25  $          -    $       41.71
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  $      233.48  $         19.46  $                     8.98  $          -    $       19.46
NET SPENDING  $ 43,168.91  $    3,597.41  $              1,885.07  $  532.31  $  3,065.10
 DIFFERENCE: NET INCOME/SPENDING   $   5,842.91  $       486.91  $                   (0.00)  $(532.31)  $  1,019.22

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