True confession: we went out to eat this last week when we shouldn't have. I'd been cooking all weekend to get ready for our on-the-cheap vacation so that we wouldn't have to eat sandwiches and cereal all week long, and I was tired of cooking, so we went out for dinner. I guess it was cheaper than it would have been if we'd gone out to eat all of our vacation instead of me cooking a ton at once.
Overall, we stayed on track for what we had to spend on our vacation. We ended up spending a little less in some ways (the hotel had a free shuttle which saved us on parking fees downtown), and more in others (we left the sunscreen at the hotel and ended up buying some overpriced stuff by the beach), but on the whole, we stayed under budget.
Thursday, July 27, 2017
Budget update
| TOTAL INCOME | $ 54,184.00 | $ 4,515.33 | $ 2,084.00 | $ 4,702.03 | $ (186.70) |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 4,354.48 | $ 362.87 | $ 167.48 | $ 296.96 | $ 65.91 |
| NET INCOME | $ 49,829.52 | $ 4,152.46 | $ 1,916.52 | $ 4,405.07 | $ (252.61) |
| CHARITY 10-15% | |||||
| fast offering | $ 1,056.00 | $ 88.00 | $ 40.62 | $ 88.00 | $ - |
| tithing | $ 5,418.40 | $ 451.53 | $ 208.40 | $ 470.21 | $ (18.68) |
| SAVINGS 5-10% | |||||
| emergency fund | $ - | $ - | $ - | $ - | $ - |
| kids savings | $ 127.40 | $ 10.62 | $ 4.90 | $ 7.35 | $ 3.27 |
| retirement | $ 5,960.24 | $ 496.69 | $ 229.24 | $ 517.22 | $ (20.53) |
| HOUSING 25-35% | |||||
| dream home | $ 260.00 | $ 21.67 | $ 10.00 | $ 15.00 | $ 6.67 |
| homeowner's insurance (Jan) | $ 525.00 | $ 43.75 | $ 20.19 | $ - | $ 43.75 |
| Household improvement/ repair | $ 777.92 | $ 64.83 | $ 29.92 | $ 3.98 | $ 60.85 |
| 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 | $ 226.72 | $ 18.89 | $ 8.72 | $ 14.50 | $ 4.39 |
| phone- home | $ 189.12 | $ 15.76 | $ 7.27 | $ 15.76 | $ - |
| power | $ 1,567.80 | $ 130.65 | $ 60.30 | $ 94.05 | $ 36.60 |
| water& trash | $ 1,028.30 | $ 85.69 | $ 39.55 | $ 75.21 | $ 10.48 |
| FOOD 5-15% | |||||
| groceries | $ 4,576.00 | $ 381.33 | $ 176.00 | $ 342.23 | $ 39.10 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 331.90 | $ 27.66 | $ 12.77 | $ 165.95 | $ (138.29) |
| gasoline- buick | $ 647.41 | $ 53.95 | $ 24.90 | $ 63.01 | $ (9.06) |
| gasoline- van | $ 1,338.48 | $ 111.54 | $ 51.48 | $ 157.66 | $ (46.12) |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 |
| repair & maintain | $ 293.54 | $ 24.46 | $ 11.29 | $ 761.89 | $ (737.43) |
| replace | $ 683.54 | $ 56.96 | $ 26.29 | $ - | $ 56.96 |
| 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 | $ 27.56 | $ 2.30 | $ 1.06 | $ 14.61 | $ (12.31) |
| husband | $ 48.88 | $ 4.07 | $ 1.88 | $ - | $ 4.07 |
| MEDICAL 5-10% | |||||
| health care | $ 5,821.40 | $ 485.12 | $ 223.90 | $ (93.70) | $ 578.82 |
| health insurance- med, dent, vis | $ 4,927.78 | $ 410.65 | $189.53 | $ 379.06 | $ 31.59 |
| PERSONAL 5-10% | |||||
| Christmas | $ 57.98 | $ 4.83 | $ 2.23 | $ - | $ 4.83 |
| gifts | $ 25.74 | $ 2.15 | $ 0.99 | $ 6.98 | $ (4.84) |
| personal, me | $ 8.58 | $ 0.72 | $ 0.33 | $ - | $ 0.72 |
| personal, kids | $ 128.44 | $ 10.70 | $ 4.94 | $ 2.16 | $ 8.54 |
| personal, husband | $ 8.58 | $ 0.72 | $ 0.33 | $ 8.35 | $ (7.64) |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ - | $ 56.33 |
| work | $ - | $ - | $ - | $ (173.84) | $ 173.84 |
| RECREATION 5-10% | $ - | $ - | |||
| entertainment | $ 35.10 | $ 2.93 | $ 1.35 | $ 64.96 | $ (62.04) |
| vacation | $ 76.96 | $ 6.41 | $ 2.96 | $ 341.96 | $ (335.55) |
| disney | $ 1,300.00 | $ 108.33 | $ 50.00 | $ 75.00 | $ 33.33 |
| DEBT 5-10% | |||||
| husband's student loans | $ 7,052.16 | $ 587.68 | $ 271.24 | $ 587.68 | $ - |
| husband's student loans extra | $ 2,458.30 | $ 204.86 | $ 94.55 | $ 578.00 | $ (373.14) |
| NET SPENDING | $ 49,829.45 | $ 4,152.45 | $ 1,916.52 | $ 4,621.69 | $ (469.24) |
| DIFFERENCE: NET INCOME/SPENDING | $ 0.07 | $ 0.01 | $ 0.00 | $ (216.62) |
Thursday, July 20, 2017
Where we went over budget
We decided to finally fix the van's air conditioning, which has been out of commission for quite a while. Our upcoming vacation south had a big part in that. We didn't want to be roasting in misery while we were supposed to be enjoying ourselves. We should be able to swing it just fine since my husband has been putting in a lot of extra hours. Hopefully, we don't get hit with unexpected expenses like last year when we had to repair the van just before Christmas time, or we'll have to pull from emergency savings again.
Unfortunately, that's not going to bode so well for our gas savings challenge, since we've been doing a lot of running back and forth since we were down to one vehicle for several days.
Unfortunately, that's not going to bode so well for our gas savings challenge, since we've been doing a lot of running back and forth since we were down to one vehicle for several days.
Budget update
| TOTAL INCOME | $ 54,184.00 | $ 4,515.33 | $ 2,084.00 | $ 4,702.03 | $ (186.70) |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 4,354.48 | $ 362.87 | $ 167.48 | $ 296.96 | $ 65.91 |
| NET INCOME | $ 49,829.52 | $ 4,152.46 | $ 1,916.52 | $ 4,405.07 | $ (252.61) |
| CHARITY 10-15% | |||||
| fast offering | $ 1,056.00 | $ 88.00 | $ 40.62 | $ 88.00 | $ - |
| tithing | $ 5,418.40 | $ 451.53 | $ 208.40 | $ 470.21 | $ (18.68) |
| SAVINGS 5-10% | |||||
| emergency fund | $ - | $ - | $ - | $ - | $ - |
| kids savings | $ 127.40 | $ 10.62 | $ 4.90 | $ 7.35 | $ 3.27 |
| retirement | $ 5,960.24 | $ 496.69 | $ 229.24 | $ 517.22 | $ (20.53) |
| HOUSING 25-35% | |||||
| dream home | $ 260.00 | $ 21.67 | $ 10.00 | $ 15.00 | $ 6.67 |
| homeowner's insurance (Jan) | $ 525.00 | $ 43.75 | $ 20.19 | $ - | $ 43.75 |
| Household improvement/ repair | $ 777.92 | $ 64.83 | $ 29.92 | $ - | $ 64.83 |
| 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 | $ 226.72 | $ 18.89 | $ 8.72 | $ 14.50 | $ 4.39 |
| phone- home | $ 189.12 | $ 15.76 | $ 7.27 | $ 15.76 | $ - |
| power | $ 1,567.80 | $ 130.65 | $ 60.30 | $ 94.05 | $ 36.60 |
| water& trash | $ 1,028.30 | $ 85.69 | $ 39.55 | $ 75.21 | $ 10.48 |
| FOOD 5-15% | |||||
| groceries | $ 4,576.00 | $ 381.33 | $ 176.00 | $ 230.82 | $ 150.51 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 331.90 | $ 27.66 | $ 12.77 | $ 165.95 | $ (138.29) |
| gasoline- buick | $ 647.41 | $ 53.95 | $ 24.90 | $ 44.49 | $ 9.46 |
| gasoline- van | $ 1,338.48 | $ 111.54 | $ 51.48 | $ 66.95 | $ 44.59 |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 |
| repair & maintain | $ 293.54 | $ 24.46 | $ 11.29 | $ 761.89 | $ (737.43) |
| replace | $ 683.54 | $ 56.96 | $ 26.29 | $ - | $ 56.96 |
| 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 | $ 27.56 | $ 2.30 | $ 1.06 | $ 14.61 | $ (12.31) |
| husband | $ 48.88 | $ 4.07 | $ 1.88 | $ - | $ 4.07 |
| MEDICAL 5-10% | |||||
| health care | $ 5,821.40 | $ 485.12 | $ 223.90 | $ (93.70) | $ 578.82 |
| health insurance- med, dent, vis | $ 4,927.78 | $ 410.65 | $189.53 | $ 379.06 | $ 31.59 |
| PERSONAL 5-10% | |||||
| Christmas | $ 57.98 | $ 4.83 | $ 2.23 | $ - | $ 4.83 |
| gifts | $ 25.74 | $ 2.15 | $ 0.99 | $ 6.98 | $ (4.84) |
| personal, me | $ 8.58 | $ 0.72 | $ 0.33 | $ - | $ 0.72 |
| personal, kids | $ 128.44 | $ 10.70 | $ 4.94 | $ 2.16 | $ 8.54 |
| personal, husband | $ 8.58 | $ 0.72 | $ 0.33 | $ 8.35 | $ (7.64) |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ - | $ 56.33 |
| work | $ - | $ - | $ - | $ (263.40) | $ 263.40 |
| RECREATION 5-10% | $ - | $ - | |||
| entertainment | $ 35.10 | $ 2.93 | $ 1.35 | $ - | $ 2.93 |
| vacation | $ 76.96 | $ 6.41 | $ 2.96 | $ 228.64 | $ (222.23) |
| disney | $ 1,300.00 | $ 108.33 | $ 50.00 | $ 75.00 | $ 33.33 |
| DEBT 5-10% | |||||
| husband's student loans | $ 7,052.16 | $ 587.68 | $ 271.24 | $ 587.68 | $ - |
| husband's student loans extra | $ 2,458.30 | $ 204.86 | $ 94.55 | $ 578.00 | $ (373.14) |
| NET SPENDING | $ 49,829.45 | $ 4,152.45 | $ 1,916.52 | $ 4,129.23 | $ 23.22 |
| DIFFERENCE: NET INCOME/SPENDING | $ 0.07 | $ 0.01 | $ 0.00 | $ 275.84 |
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