| 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 |
|
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