Thursday, March 9, 2017

Budget update


TOTAL INCOME  $  55,494.40  $ 4,624.53  $              2,134.40  $ 2,623.98  $  2,000.55

 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX




taxes, work  $    3,117.92  $    259.83  $                 119.92  $    166.61  $       93.22






NET INCOME  $  52,376.48  $ 4,364.71  $              2,014.48  $ 2,457.37  $  1,907.34






CHARITY 10-15%




fast offering  $    1,056.00  $      88.00  $                   40.62  $      88.00  $             -  
tithing  $    5,549.44  $    462.45  $                 213.44  $    266.40  $     196.05
SAVINGS 5-10%




emergency fund  $              -    $           -    $                         -    $           -    $             -  
kids savings  $       120.12  $      10.01  $                     4.62  $        4.62  $         5.39
retirement  $    6,104.38  $    508.70  $                 234.78  $    236.16  $     272.54
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  $       815.62  $      67.97  $                   31.37  $           -    $       67.97
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  $       214.24  $      17.85  $                     8.24  $           -    $       17.85
phone- home  $       189.12  $      15.76  $                     7.27  $           -    $       15.76
power  $    1,713.92  $    142.83  $                   65.92  $    168.28  $     (25.45)
water& trash  $    1,056.38  $      88.03  $                   40.63  $           -    $       88.03
FOOD 5-15%




groceries  $    4,576.00  $    381.33  $                 176.00  $      33.16  $     348.17
TRANSPORTATION 10-15%




car insurance (Jan and Jul)  $       349.70  $      29.14  $                   13.45  $           -    $       29.14
gasoline- buick  $       732.16  $      61.01  $                   28.16  $           -    $       61.01
gasoline- van  $    1,489.56  $    124.13  $                   57.29  $           -    $     124.13
registration, buick  $         39.42  $        3.28  $                     1.52  $           -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $           -    $         3.70
repair & maintain  $       151.32  $      12.61  $                     5.82  $           -    $       12.61
replace  $       846.30  $      70.53  $                   32.55  $           -    $       70.53
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  $           9.88  $        0.82  $                     0.38  $           -    $         0.82
kids  $         34.06  $        2.84  $                     1.31  $           -    $         2.84
husband  $         41.60  $        3.47  $                     1.60  $           -    $         3.47
MEDICAL 5-10%




health care  $    6,750.00  $    562.50  $                 259.62  $           -    $     562.50
health insurance- med, dent, vis  $    4,927.78  $    410.65 $189.53  $    189.53  $     221.12
PERSONAL 5-10%




Christmas  $         72.02  $        6.00  $                     2.77  $           -    $         6.00
gifts  $         31.98  $        2.67  $                     1.23  $        7.90  $       (5.24)
personal, me  $         10.66  $        0.89  $                     0.41  $           -    $         0.89
personal, kids  $       158.86  $      13.24  $                     6.11  $        1.32  $       11.92
personal, husband  $         10.14  $        0.85  $                     0.39  $           -    $         0.85
pets  $       676.00  $      56.33  $                   26.00  $           -    $       56.33
work  $              -    $           -    $                         -    $    263.87  $   (263.87)
RECREATION 5-10%




entertainment  $         43.42  $        3.62  $                     1.67  $        9.35  $       (5.73)
vacation  $         95.16  $        7.93  $                     3.66  $           -    $         7.93
disney  $    1,300.00  $    108.33  $                   50.00  $      25.00  $       83.33
DEBT 5-10%




husband's student loans  $    7,052.16  $    587.68  $                 271.24  $           -    $     587.68
husband's student loans extra  $    3,253.38  $    271.12  $                 125.13  $           -    $     271.12
NET SPENDING  $  52,376.51  $ 4,364.71  $              2,014.48  $ 1,298.59  $  3,066.12
 DIFFERENCE: NET INCOME/SPENDING   $         (0.03)  $      (0.00)  $                   (0.00)  $ 1,158.78

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