| TOTAL INCOME | $ 54,184.00 | $ 4,515.33 | $ 2,084.00 | $ 2,224.35 | $ 2,290.98 |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 4,354.48 | $ 362.87 | $ 167.48 | $ 135.03 | $ 227.84 |
| NET INCOME | $ 49,829.52 | $ 4,152.46 | $ 1,916.52 | $ 2,089.32 | $ 2,063.14 |
| CHARITY 10-15% | |||||
| fast offering | $ 1,056.00 | $ 88.00 | $ 40.62 | $ 88.00 | $ - |
| tithing | $ 5,418.40 | $ 451.53 | $ 208.40 | $ 4.92 | $ 446.61 |
| SAVINGS 5-10% | |||||
| emergency fund | $ - | $ - | $ - | $ - | $ - |
| kids savings | $ 127.40 | $ 10.62 | $ 4.90 | $ 4.90 | $ 5.72 |
| retirement | $ 5,960.24 | $ 496.69 | $ 229.24 | $ 239.27 | $ 257.42 |
| 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 | $ 775.84 | $ 64.65 | $ 29.84 | $ - | $ 64.65 |
| 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 | $ 223.60 | $ 18.63 | $ 8.60 | $ 63.85 | $ (45.22) |
| phone- home | $ 189.12 | $ 15.76 | $ 7.27 | $ 15.73 | $ 0.03 |
| power | $ 1,562.08 | $ 130.17 | $ 60.08 | $ 92.31 | $ 37.86 |
| water& trash | $ 1,022.32 | $ 85.19 | $ 39.32 | $ - | $ 85.19 |
| FOOD 5-15% | |||||
| groceries | $ 4,576.00 | $ 381.33 | $ 176.00 | $ 161.81 | $ 219.52 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 331.90 | $ 27.66 | $ 12.77 | $ - | $ 27.66 |
| gasoline- buick | $ 723.58 | $ 60.30 | $ 27.83 | $ 14.98 | $ 45.32 |
| gasoline- van | $ 1,495.95 | $ 124.66 | $ 57.54 | $ 26.38 | $ 98.28 |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 |
| repair & maintain | $ 273.52 | $ 22.79 | $ 10.52 | $ 28.95 | $ (6.16) |
| replace | $ 653.64 | $ 54.47 | $ 25.14 | $ - | $ 54.47 |
| 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 | $ 7.28 | $ 0.61 | $ 0.28 | $ - | $ 0.61 |
| kids | $ 22.88 | $ 1.91 | $ 0.88 | $ 68.45 | $ (66.54) |
| husband | $ 52.52 | $ 4.38 | $ 2.02 | $ - | $ 4.38 |
| MEDICAL 5-10% | |||||
| health care | $ 5,821.40 | $ 485.12 | $ 223.90 | $ 160.77 | $ 324.35 |
| health insurance- med, dent, vis | $ 4,927.78 | $ 410.65 | $189.53 | $ 189.53 | $ 221.12 |
| PERSONAL 5-10% | |||||
| Christmas | $ 54.08 | $ 4.51 | $ 2.08 | $ - | $ 4.51 |
| gifts | $ 22.88 | $ 1.91 | $ 0.88 | $ - | $ 1.91 |
| personal, me | $ 17.16 | $ 1.43 | $ 0.66 | $ - | $ 1.43 |
| personal, kids | $ 68.38 | $ 5.70 | $ 2.63 | $ 11.97 | $ (6.27) |
| personal, husband | $ 17.16 | $ 1.43 | $ 0.66 | $ - | $ 1.43 |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ 26.98 | $ 29.35 |
| work | $ - | $ - | $ - | $ 357.95 | $ (357.95) |
| RECREATION 5-10% | $ - | $ - | |||
| entertainment | $ 34.32 | $ 2.86 | $ 1.32 | $ 0.26 | $ 2.60 |
| vacation | $ 71.76 | $ 5.98 | $ 2.76 | $ - | $ 5.98 |
| 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 | $ 2,349.10 | $ 195.76 | $ 90.35 | $ - | $ 195.76 |
| NET SPENDING | $ 49,829.60 | $ 4,152.47 | $ 1,916.52 | $ 2,204.69 | $ 1,947.78 |
| DIFFERENCE: NET INCOME/SPENDING | $ (0.08) | $ (0.01) | $ (0.00) | $ (115.37) |
Thursday, September 14, 2017
Budget update
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