Thursday, June 29, 2017

Budget update


TOTAL INCOME  $  54,184.00  $ 4,515.33  $              2,084.00  $  4,490.95  $       24.38

 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX




taxes, work  $    3,251.04  $    270.92  $                 125.04  $     278.03  $       (7.11)






NET INCOME  $  50,932.96  $ 4,244.41  $              1,958.96  $  4,212.92  $       31.49






CHARITY 10-15%




fast offering  $    1,056.00  $      88.00  $                   40.62  $       88.00  $             -  
tithing  $    5,418.40  $    451.53  $                 208.40  $     449.10  $         2.43
SAVINGS 5-10%




emergency fund  $              -    $           -    $                         -    $             -    $             -  
kids savings  $       123.76  $      10.31  $                     4.76  $         9.59  $         0.72
retirement  $    5,960.24  $    496.69  $                 229.24  $     490.00  $         6.69
HOUSING 25-35%




dream home  $       260.00  $      21.67  $                   10.00  $       20.00  $         1.67
homeowner's insurance (Jan)  $       525.00  $      43.75  $                   20.19  $             -    $       43.75
Household improvement/ repair  $       774.80  $      64.57  $                   29.80  $             -    $       64.57
appliance replace  $       214.50  $      17.88  $                     8.25  $             -    $       17.88
real estate tax, county (Jun and Dec)  $    1,060.00  $      88.33  $                   40.77  $     530.00  $   (441.67)
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  $       226.72  $      18.89  $                     8.72  $             -    $       18.89
phone- home  $       189.12  $      15.76  $                     7.27  $       15.76  $             -  
power  $    1,567.80  $    130.65  $                   60.30  $       96.03  $       34.62
water& trash  $    1,028.30  $      85.69  $                   39.55  $       82.24  $         3.45
FOOD 5-15%




groceries  $    4,576.00  $    381.33  $                 176.00  $     332.16  $       49.17
TRANSPORTATION 10-15%




car insurance (Jan and Jul)  $       349.70  $      29.14  $                   13.45  $             -    $       29.14
gasoline- buick  $       675.11  $      56.26  $                   25.97  $       67.95  $     (11.69)
gasoline- van  $    1,395.74  $    116.31  $                   53.68  $     124.75  $       (8.44)
registration, buick  $         39.42  $        3.28  $                     1.52  $             -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $             -    $         3.70
repair & maintain  $       302.12  $      25.18  $                   11.62  $             -    $       25.18
replace  $       703.56  $      58.63  $                   27.06  $             -    $       58.63
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  $           8.06  $        0.67  $                     0.31  $             -    $         0.67
kids  $         28.34  $        2.36  $                     1.09  $             -    $         2.36
husband  $         50.44  $        4.20  $                     1.94  $             -    $         4.20
MEDICAL 5-10%




health care  $    6,750.00  $    562.50  $                 259.62  $     465.18  $       97.32
health insurance- med, dent, vis  $    4,927.78  $    410.65 $189.53  $     379.06  $       31.59
PERSONAL 5-10%




Christmas  $         59.80  $        4.98  $                     2.30  $             -    $         4.98
gifts  $         26.52  $        2.21  $                     1.02  $             -    $         2.21
personal, me  $           8.84  $        0.74  $                     0.34  $         8.11  $       (7.37)
personal, kids  $       132.08  $      11.01  $                     5.08  $         3.48  $         7.53
personal, husband  $           8.84  $        0.74  $                     0.34  $         1.73  $       (0.99)
pets  $       676.00  $      56.33  $                   26.00  $             -    $       56.33
work  $              -    $           -    $                         -    $     146.98  $   (146.98)
RECREATION 5-10%




entertainment  $         35.88  $        2.99  $                     1.38  $     450.00  $   (447.01)
vacation  $         79.30  $        6.61  $                     3.05  $             -    $         6.61
disney  $    1,300.00  $    108.33  $                   50.00  $     100.00  $         8.33
DEBT 5-10%




husband's student loans  $    7,052.16  $    587.68  $                 271.24  $     587.68  $             -  
husband's student loans extra  $    2,496.52  $    208.04  $                   96.02  $     578.00  $   (369.96)
NET SPENDING  $  50,933.09  $ 4,244.42  $              1,958.96  $  5,064.25  $   (819.83)
 DIFFERENCE: NET INCOME/SPENDING   $         (0.13)  $      (0.01)  $                   (0.00)  $   (851.33)

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