Thursday, November 3, 2016

Budget update- final numbers for October


TOTAL INCOME  $  52,353.60  $    4,362.80  $              2,013.60  $ 4,985.77  $   (622.97)

 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX




taxes, work  $    3,341.78  $       278.48  $                 128.53  $    325.88  $     (47.40)






NET INCOME  $  49,011.82  $    4,084.32  $              1,885.07  $ 4,659.89  $   (575.57)






CHARITY 10-15%




fast offering  $    1,056.00  $         88.00  $                   40.62  $      88.00  $             -  
tithing  $    5,235.36  $       436.28  $                 201.36  $    275.82  $     160.46
SAVINGS 5-10%




emergency fund  $              -    $               -    $                         -    $           -    $             -  
kids savings  $         93.08  $           7.76  $                     3.58  $        7.45  $         0.31
retirement  $    4,711.82  $       392.65  $                 181.22  $    443.43  $     (50.78)
HOUSING 25-35%




dream home  $       260.00  $         21.67  $                   10.00  $      25.00  $       (3.33)
homeowner's insurance (Jan)  $       518.00  $         43.17  $                   19.92  $           -    $       43.17
Household improvement/ repair  $       233.48  $         19.46  $                     8.98  $      36.95  $     (17.49)
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  $      16.11  $         3.89
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  $      84.72  $       10.46
FOOD 5-15%




groceries  $    4,576.00  $       381.33  $                 176.00  $    321.53  $       59.80
TRANSPORTATION 10-15%




car insurance (Jan and Jul)  $       410.30  $         34.19  $                   15.78  $           -    $       34.19
gasoline- buick  $       827.55  $         68.96  $                   31.83  $      63.95  $         5.01
gasoline- van  $    1,366.99  $       113.92  $                   52.58  $    149.35  $     (35.43)
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  $    258.76  $   (116.84)
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  $      26.31  $     (15.48)
kids  $       234.00  $         19.50  $                     9.00  $      27.46  $       (7.96)
husband  $       130.00  $         10.83  $                     5.00  $      34.66  $     (23.83)
MEDICAL 5-10%




health care  $    4,160.00  $       346.67  $                 160.00  $    469.46  $   (122.79)
health insurance  $    4,564.82  $       380.40 $175.57  $    351.41  $       28.99
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  $      19.28  $       67.39
personal, husband  $         78.00  $           6.50  $                     3.00  $           -    $         6.50
pets  $       676.00  $         56.33  $                   26.00  $           -    $       56.33
work  $              -    $               -    $                         -    $ 1,108.65  $(1,108.65)
RECREATION 5-10%




entertainment  $       260.00  $         21.67  $                   10.00  $      20.54  $         1.13
vacation  $       500.50  $         41.71  $                   19.25  $           -    $       41.71
disney  $    1,300.00  $       108.33  $                   50.00  $    125.00  $     (16.67)
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  $    304.00  $   (284.54)
NET SPENDING  $  43,168.91  $    3,597.41  $              1,885.07  $ 3,534.09  $       63.32
 DIFFERENCE: NET INCOME/SPENDING   $    5,842.91  $       486.91  $                   (0.00)  $ 1,125.80  $   (638.89)
































































































































































































































































































































































































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