Thursday, April 13, 2017

Budget update


TOTAL INCOME  $  52,353.60  $ 4,362.80  $              2,013.60  $  2,231.85  $  2,130.95

 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX




taxes, work  $    3,117.92  $    259.83  $                 119.92  $     132.58  $     127.25






NET INCOME  $  49,235.68  $ 4,102.97  $              1,893.68  $  2,099.27  $  2,003.70






CHARITY 10-15%




fast offering  $    1,056.00  $      88.00  $                   40.62  $       88.00  $             -  
tithing  $    5,235.36  $    436.28  $                 201.36  $     223.19  $     213.09
SAVINGS 5-10%




emergency fund  $              -    $           -    $                         -    $             -    $             -  
kids savings  $       120.12  $      10.01  $                     4.62  $         4.62  $         5.39
retirement  $    4,711.82  $    392.65  $                 181.22  $     235.75  $     156.90
HOUSING 25-35%




dream home  $       260.00  $      21.67  $                   10.00  $       10.00  $       11.67
homeowner's insurance (Jan)  $       525.00  $      43.75  $                   20.19  $             -    $       43.75
Household improvement/ repair  $       817.96  $      68.16  $                   31.46  $             -    $       68.16
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  $       217.36  $      18.11  $                     8.36  $             -    $       18.11
phone- home  $       189.12  $      15.76  $                     7.27  $             -    $       15.76
power  $    1,661.40  $    138.45  $                   63.90  $     151.62  $     (13.17)
water& trash  $    1,059.24  $      88.27  $                   40.74  $             -    $       88.27
FOOD 5-15%




groceries  $    4,576.00  $    381.33  $                 176.00  $     169.52  $     211.81
TRANSPORTATION 10-15%




car insurance (Jan and Jul)  $       349.70  $      29.14  $                   13.45  $             -    $       29.14
gasoline- buick  $       699.35  $      58.28  $                   26.90  $       30.36  $       27.92
gasoline- van  $    1,445.84  $    120.49  $                   55.61  $       32.15  $       88.34
registration, buick  $         39.42  $        3.28  $                     1.52  $             -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $             -    $         3.70
repair & maintain  $       152.88  $      12.74  $                     5.88  $             -    $       12.74
replace  $       855.14  $      71.26  $                   32.89  $             -    $       71.26
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  $         34.32  $        2.86  $                     1.32  $             -    $         2.86
husband  $         42.12  $        3.51  $                     1.62  $             -    $         3.51
MEDICAL 5-10%




health care  $    6,750.00  $    562.50  $                 259.62  $     945.54  $   (383.04)
health insurance- med, dent, vis  $    4,927.78  $    410.65 $189.53  $     189.53  $     221.12
PERSONAL 5-10%




Christmas  $         72.54  $        6.05  $                     2.79  $             -    $         6.05
gifts  $         32.24  $        2.69  $                     1.24  $       70.06  $     (67.37)
personal, me  $         10.66  $        0.89  $                     0.41  $             -    $         0.89
personal, kids  $       160.68  $      13.39  $                     6.18  $         0.66  $       12.73
personal, husband  $         10.14  $        0.85  $                     0.39  $             -    $         0.85
pets  $       676.00  $      56.33  $                   26.00  $             -    $       56.33
work  $              -    $           -    $                         -    $(1,735.02)  $  1,735.02
RECREATION 5-10%




entertainment  $         43.68  $        3.64  $                     1.68  $             -    $         3.64
vacation  $         96.20  $        8.02  $                     3.70  $             -    $         8.02
disney  $    1,300.00  $    108.33  $                   50.00  $       50.00  $       58.33
DEBT 5-10%




husband's student loans  $    7,052.16  $    587.68  $                 271.24  $             -    $     587.68
husband's student loans extra  $    1,838.20  $    153.18  $                   70.70  $             -    $     153.18
NET SPENDING  $  49,149.05  $ 4,095.75  $              1,890.35  $     465.98  $  3,629.77
 DIFFERENCE: NET INCOME/SPENDING   $         86.63  $        7.22  $                     3.33  $  1,633.29

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