Thursday, March 30, 2017

Budget update


TOTAL INCOME  $  52,353.60  $ 4,362.80  $              2,013.60  $ 7,517.58

 Yearly total   Monthly   Average biweekly   Actual 
INCOME TAX



taxes, work  $    3,117.92  $    259.83  $                 119.92  $    470.15





NET INCOME  $  49,235.68  $ 4,102.97  $              1,893.68  $ 7,047.43





CHARITY 10-15%



fast offering  $    1,056.00  $      88.00  $                   40.62  $      88.00
tithing  $    5,235.36  $    436.28  $                 201.36  $    755.76
SAVINGS 5-10%



emergency fund  $              -    $           -    $                         -    $           -  
kids savings  $       120.12  $      10.01  $                     4.62  $      11.55
retirement  $    5,758.90  $    479.91  $                 221.50  $    667.14
HOUSING 25-35%



dream home  $       260.00  $      21.67  $                   10.00  $      20.00
homeowner's insurance (Jan)  $       525.00  $      43.75  $                   20.19  $           -  
Household improvement/ repair  $       815.62  $      67.97  $                   31.37  $      19.48
appliance replace  $       214.50  $      17.88  $                     8.25  $           -  
real estate tax, county (Jun and Dec)  $    1,060.00  $      88.33  $                   40.77  $           -  
real estate tax, town (Dec)  $       190.56  $      15.88  $                     7.33  $           -  
UTILITIES 5-10%



internet  $       461.40  $      38.45  $                   17.75  $      38.45
phone- cell  $       214.24  $      17.85  $                     8.24  $      19.10
phone- home  $       189.12  $      15.76  $                     7.27  $      15.76
power  $    1,713.92  $    142.83  $                   65.92  $    168.28
water& trash  $    1,056.38  $      88.03  $                   40.63  $           -  
FOOD 5-15%



groceries  $    4,576.00  $    381.33  $                 176.00  $    261.97
TRANSPORTATION 10-15%



car insurance (Jan and Jul)  $       349.70  $      29.14  $                   13.45  $           -  
gasoline- buick  $       732.16  $      61.01  $                   28.16  $      34.42
gasoline- van  $    1,489.56  $    124.13  $                   57.29  $      73.56
registration, buick  $         39.42  $        3.28  $                     1.52  $           -  
registration, van  $         44.42  $        3.70  $                     1.71  $           -  
repair & maintain  $       151.32  $      12.61  $                     5.82  $    548.72
replace  $       846.30  $      70.53  $                   32.55  $           -  
taxes, property- county (Dec)  $         72.41  $        6.03  $                     2.79  $           -  
taxes, property-town (Dec)  $         77.45  $        6.45  $                     2.98  $           -  
CLOTHING 2-7%



me  $           9.88  $        0.82  $                     0.38  $           -  
kids  $         34.06  $        2.84  $                     1.31  $           -  
husband  $         41.60  $        3.47  $                     1.60  $           -  
MEDICAL 5-10%



health care  $    6,750.00  $    562.50  $                 259.62  $    286.43
health insurance- med, dent, vis  $    4,927.78  $    410.65 $189.53  $    568.59
PERSONAL 5-10%



Christmas  $         72.02  $        6.00  $                     2.77  $           -  
gifts  $         31.98  $        2.67  $                     1.23  $        9.95
personal, me  $         10.66  $        0.89  $                     0.41  $           -  
personal, kids  $       158.86  $      13.24  $                     6.11  $      10.88
personal, husband  $         10.14  $        0.85  $                     0.39  $           -  
pets  $       676.00  $      56.33  $                   26.00  $        7.98
work  $              -    $           -    $                         -    $    667.39
RECREATION 5-10%



entertainment  $         43.42  $        3.62  $                     1.67  $        9.35
vacation  $         95.16  $        7.93  $                     3.66  $           -  
disney  $    1,300.00  $    108.33  $                   50.00  $    100.00
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  $    578.00
NET SPENDING  $  51,716.94  $ 4,309.75  $              1,989.11  $ 5,548.44
 DIFFERENCE: NET INCOME/SPENDING   $  (2,481.26)  $  (206.77)  $                 (95.43)  $ 1,498.99

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