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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