I guess I missed posting last week- I was too excited getting our tax refund and paying off my student loans (after close to 17 years- whew). Now we just have to hunker down and pay off my husband's student loans.
We went over budget a bit on my husband's clothing because he needed new boots for work, and they lowered the allowance they give him for them, so he had to pay some out of pocket.
Some good news is we did very well on our monthly challenge last month- we were $55.48 lower than last year's mark! Of course, it was colder last year than this, but hey, that's still a big chunk of change!
Thursday, February 23, 2017
Budget update
| TOTAL INCOME | $ 52,353.60 | $ 4,362.80 | $ 2,013.60 | $ 4,071.25 | $ 291.55 | |
| Yearly total | Monthly | Average biweekly | Actual | Difference | ||
| INCOME TAX | ||||||
| taxes, work | $ 3,117.92 | $ 259.83 | $ 119.92 | $ 243.21 | $ 16.62 | |
| NET INCOME | $ 49,235.68 | $ 4,102.97 | $ 1,893.68 | $ 3,828.04 | $ 274.93 | |
| CHARITY 10-15% | ||||||
| fast offering | $ 1,056.00 | $ 88.00 | $ 40.62 | $ 88.00 | $ - | |
| tithing | $ 5,235.36 | $ 436.28 | $ 201.36 | $ 407.13 | $ 29.15 | |
| SAVINGS 5-10% | ||||||
| emergency fund | $ - | $ - | $ - | $ - | $ - | |
| kids savings | $ 112.32 | $ 9.36 | $ 4.32 | $ 8.88 | $ 0.48 | |
| retirement | $ 4,711.82 | $ 392.65 | $ 181.22 | $ 366.41 | $ 26.24 | |
| HOUSING 25-35% | ||||||
| dream home | $ 260.00 | $ 21.67 | $ 10.00 | $ 15.00 | $ 6.67 | |
| homeowner's insurance (Jan) | $ 525.00 | $ 43.75 | $ 20.19 | $ - | $ 43.75 | |
| Household improvement/ repair | $ 254.80 | $ 21.23 | $ 9.80 | $ - | $ 21.23 | |
| 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 | $ 211.12 | $ 17.59 | $ 8.12 | $ 16.10 | $ 1.49 | |
| phone- home | $ 189.12 | $ 15.76 | $ 7.27 | $ 15.76 | $ - | |
| power | $ 1,771.38 | $ 147.62 | $ 68.13 | $ 222.85 | $ (75.24) | |
| water& trash | $ 1,059.24 | $ 88.27 | $ 40.74 | $ 90.28 | $ (2.01) | |
| FOOD 5-15% | ||||||
| groceries | $ 4,576.00 | $ 381.33 | $ 176.00 | $ 318.27 | $ 63.06 | |
| TRANSPORTATION 10-15% | ||||||
| car insurance (Jan and Jul) | $ 410.30 | $ 34.19 | $ 15.78 | $ (27.12) | $ 61.31 | |
| gasoline- buick | $ 777.92 | $ 64.83 | $ 29.92 | $ - | $ 64.83 | |
| gasoline- van | $ 1,499.14 | $ 124.93 | $ 57.66 | $ 37.75 | $ 87.18 | |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 | |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 | |
| repair & maintain | $ 210.08 | $ 17.51 | $ 8.08 | $ - | $ 17.51 | |
| replace | $ 1,173.90 | $ 97.83 | $ 45.15 | $ - | $ 97.83 | |
| 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 | $ 11.70 | $ 0.98 | $ 0.45 | $ - | $ 0.98 | |
| kids | $ 44.20 | $ 3.68 | $ 1.70 | $ 25.62 | $ (21.94) | |
| husband | $ 52.78 | $ 4.40 | $ 2.03 | $ 165.47 | $ (161.07) | |
| MEDICAL 5-10% | ||||||
| health care | $ 6,750.00 | $ 562.50 | $ 259.62 | $ 92.75 | $ 469.75 | |
| health insurance- med, dent, vis | $ 4,927.78 | $ 410.65 | $189.53 | $ 379.06 | $ 31.59 | |
| PERSONAL 5-10% | ||||||
| Christmas | $ 105.04 | $ 8.75 | $ 4.04 | $ - | $ 8.75 | |
| gifts | $ 44.20 | $ 3.68 | $ 1.70 | $ 23.31 | $ (19.63) | |
| personal, me | $ 14.56 | $ 1.21 | $ 0.56 | $ - | $ 1.21 | |
| personal, kids | $ 185.12 | $ 15.43 | $ 7.12 | $ 14.52 | $ 0.91 | |
| personal, husband | $ 14.04 | $ 1.17 | $ 0.54 | $ - | $ 1.17 | |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ - | $ 56.33 | |
| work | $ - | $ - | $ - | $ 309.39 | $ (309.39) | |
| RECREATION 5-10% | ||||||
| entertainment | $ 60.58 | $ 5.05 | $ 2.33 | $ - | $ 5.05 | |
| vacation | $ 132.08 | $ 11.01 | $ 5.08 | $ - | $ 11.01 | |
| disney | $ 1,300.00 | $ 108.33 | $ 50.00 | $ 75.00 | $ 33.33 | |
| DEBT 5-10% | ||||||
| my student loans | $ 573.24 | $ 47.77 | $ 22.05 |
|
$ - | |
| husband's student loans | $ 7,052.16 | $ 587.68 | $ 271.24 | $ 587.68 | $ - | |
| husband's student loans extra | $ 1,098.50 | $ 91.54 | $ 42.25 | $ 140.57 | $ (49.03) | |
| NET SPENDING | $ 49,235.64 | $ 4,102.97 | $ 1,893.68 | $ 3,458.90 | $ 644.07 | |
| DIFFERENCE: NET INCOME/SPENDING | $ 0.04 | $ 0.00 | $ 0.00 | $ 369.14 |
Thursday, February 9, 2017
Budget update
| TOTAL INCOME | $ 52,353.60 | $ 4,362.80 | $ 2,013.60 | $ 2,013.60 | $ 2,349.20 |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 3,117.92 | $ 259.83 | $ 119.92 | $ 119.92 | $ 139.91 |
| NET INCOME | $ 49,235.68 | $ 4,102.97 | $ 1,893.68 | $ 1,893.68 | $ 2,209.29 |
| CHARITY 10-15% | |||||
| fast offering | $ 1,056.00 | $ 88.00 | $ 40.62 | $ 88.00 | $ - |
| tithing | $ 5,235.36 | $ 436.28 | $ 201.36 | $ 201.36 | $ 234.92 |
| SAVINGS 5-10% | |||||
| emergency fund | $ - | $ - | $ - | $ - | $ - |
| kids savings | $ 112.32 | $ 9.36 | $ 4.32 | $ 4.40 | $ 4.96 |
| retirement | $ 4,711.82 | $ 392.65 | $ 181.22 | $ 181.22 | $ 211.43 |
| HOUSING 25-35% | |||||
| dream home | $ 260.00 | $ 21.67 | $ 10.00 | $ 5.00 | $ 16.67 |
| homeowner's insurance (Jan) | $ 525.00 | $ 43.75 | $ 20.19 | $ - | $ 43.75 |
| Household improvement/ repair | $ 254.80 | $ 21.23 | $ 9.80 | $ - | $ 21.23 |
| 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 | $ 211.12 | $ 17.59 | $ 8.12 | $ - | $ 17.59 |
| phone- home | $ 189.12 | $ 15.76 | $ 7.27 | $ - | $ 15.76 |
| power | $ 1,771.38 | $ 147.62 | $ 68.13 | $ 222.85 | $ (75.24) |
| water& trash | $ 1,059.24 | $ 88.27 | $ 40.74 | $ - | $ 88.27 |
| FOOD 5-15% | |||||
| groceries | $ 4,576.00 | $ 381.33 | $ 176.00 | $ 74.36 | $ 306.97 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 410.30 | $ 34.19 | $ 15.78 | $ - | $ 34.19 |
| gasoline- buick | $ 777.92 | $ 64.83 | $ 29.92 | $ - | $ 64.83 |
| gasoline- van | $ 1,499.14 | $ 124.93 | $ 57.66 | $ - | $ 124.93 |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 |
| repair & maintain | $ 210.08 | $ 17.51 | $ 8.08 | $ - | $ 17.51 |
| replace | $ 1,173.90 | $ 97.83 | $ 45.15 | $ - | $ 97.83 |
| 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 | $ 11.70 | $ 0.98 | $ 0.45 | $ - | $ 0.98 |
| kids | $ 44.20 | $ 3.68 | $ 1.70 | $ - | $ 3.68 |
| husband | $ 52.78 | $ 4.40 | $ 2.03 | $ - | $ 4.40 |
| MEDICAL 5-10% | |||||
| health care | $ 6,750.00 | $ 562.50 | $ 259.62 | $ 11.17 | $ 551.33 |
| health insurance- med, dent, vis | $ 4,927.78 | $ 410.65 | $189.53 | $ 189.53 | $ 221.12 |
| PERSONAL 5-10% | |||||
| Christmas | $ 105.04 | $ 8.75 | $ 4.04 | $ - | $ 8.75 |
| gifts | $ 44.20 | $ 3.68 | $ 1.70 | $ 9.47 | $ (5.79) |
| personal, me | $ 14.56 | $ 1.21 | $ 0.56 | $ - | $ 1.21 |
| personal, kids | $ 185.12 | $ 15.43 | $ 7.12 | $ 1.23 | $ 14.20 |
| personal, husband | $ 14.04 | $ 1.17 | $ 0.54 | $ - | $ 1.17 |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ - | $ 56.33 |
| work | $ - | $ - | $ - | $ (289.99) | $ 289.99 |
| RECREATION 5-10% | |||||
| entertainment | $ 60.58 | $ 5.05 | $ 2.33 | $ - | $ 5.05 |
| vacation | $ 132.08 | $ 11.01 | $ 5.08 | $ - | $ 11.01 |
| 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 | $ 1,098.50 | $ 91.54 | $ 42.25 | $ - | $ 91.54 |
| NET SPENDING | $ 49,235.64 | $ 4,102.97 | $ 1,893.68 | $ 723.60 | $ 3,379.37 |
| DIFFERENCE: NET INCOME/SPENDING | $ 0.04 | $ 0.00 | $ 0.00 | $ 1,170.08 |
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