Thursday, November 17, 2016

Budget update


TOTAL INCOME  $  52,353.60  $ 4,362.80  $              2,013.60  $  2,371.59  $  1,991.21

 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX




taxes, work  $    3,341.78  $    278.48  $                 128.53  $     148.26  $     130.22






NET INCOME  $  49,011.82  $ 4,084.32  $              1,885.07  $  2,223.33  $  1,860.99






CHARITY 10-15%




fast offering  $    1,056.00  $      88.00  $                   40.62  $             -    $       88.00
tithing  $    5,235.36  $    436.28  $                 201.36  $     237.16  $     199.12
SAVINGS 5-10%




emergency fund  $              -    $           -    $                         -    $             -    $             -  
kids savings  $       100.88  $        8.41  $                     3.88  $         5.82  $         2.59
retirement  $    4,711.82  $    392.65  $                 181.22  $     204.44  $     188.21
HOUSING 25-35%




dream home  $       260.00  $      21.67  $                   10.00  $       10.00  $       11.67
homeowner's insurance (Jan)  $       518.00  $      43.17  $                   19.92  $             -    $       43.17
Household improvement/ repair  $       962.00  $      80.17  $                   37.00  $     325.21  $   (245.04)
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  $       228.80  $      19.07  $                     8.80  $             -    $       19.07
phone- home  $       189.12  $      15.76  $                     7.27  $       15.76  $             -  
power  $    1,787.24  $    148.94  $                   68.74  $       89.57  $       59.37
water& trash  $    1,091.48  $      90.96  $                   41.98  $             -    $       90.96
FOOD 5-15%




groceries  $    4,576.00  $    381.33  $                 176.00  $     235.56  $     145.77
TRANSPORTATION 10-15%




car insurance (Jan and Jul)  $       410.30  $      34.19  $                   15.78  $             -    $       34.19
gasoline- buick  $       763.03  $      63.59  $                   29.35  $       55.08  $         8.51
gasoline- van  $    1,470.45  $    122.54  $                   56.56  $       36.08  $       86.46
registration, buick  $         39.42  $        3.28  $                     1.52  $             -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $             -    $         3.70
repair & maintain  $    1,430.00  $    119.17  $                   55.00  $             -    $     119.17
replace  $       910.00  $      75.83  $                   35.00  $             -    $       75.83
taxes, property- county (Dec)  $         72.41  $        6.03  $                     2.79  $             -    $         6.03
taxes, property-town (Dec)  $         77.45  $        6.45  $                     2.98  $             -    $         6.45
CLOTHING 2-7%




me  $         52.00  $        4.33  $                     2.00  $         8.93  $       (4.60)
kids  $       156.00  $      13.00  $                     6.00  $             -    $       13.00
husband  $       234.00  $      19.50  $                     9.00  $             -    $       19.50
MEDICAL 5-10%




health care  $    4,160.00  $    346.67  $                 160.00  $             -    $     346.67
health insurance  $    4,564.82  $    380.40 $175.57  $     175.57  $     204.83
PERSONAL 5-10%




Christmas  $       260.00  $      21.67  $                   10.00  $             -    $       21.67
gifts  $       156.00  $      13.00  $                     6.00  $         7.34  $         5.66
personal, me  $         52.00  $        4.33  $                     2.00  $       28.69  $     (24.36)
personal, kids  $       858.00  $      71.50  $                   33.00  $         1.80  $       69.70
personal, husband  $         52.00  $        4.33  $                     2.00  $             -    $         4.33
pets  $       676.00  $      56.33  $                   26.00  $       45.82  $       10.51
work  $              -    $           -    $                         -    $   (699.06)  $     699.06
RECREATION 5-10%




entertainment  $       234.00  $      19.50  $                     9.00  $       20.27  $       (0.77)
vacation  $       546.00  $      45.50  $                   21.00  $             -    $       45.50
disney  $    1,300.00  $    108.33  $                   50.00  $       50.00  $       58.33
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  $       224.90  $      18.74  $                     8.65  $     327.00  $   (308.26)
NET SPENDING  $  49,011.76  $ 4,084.31  $              1,885.07  $  2,123.31  $  1,469.17
 DIFFERENCE: NET INCOME/SPENDING   $           0.06  $        0.00  $                     0.00  $     100.02  $     391.82

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