| TOTAL INCOME | $ 56,680.00 | $ 4,723.33 | $ 2,180.00 | $ 4,887.73 | $ (164.40) |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 4,520.88 | $ 376.74 | $ 173.88 | $ 376.34 | $ 0.40 |
| NET INCOME | $ 52,159.12 | $ 4,346.59 | $ 2,006.12 | $ 4,511.39 | $ (164.80) |
| CHARITY 10-15% | |||||
| fast offering | $ 1,140.00 | $ 95.00 | $ 43.85 | $ 95.00 | $ - |
| tithing | $ 5,668.00 | $ 472.33 | $ 218.00 | $ 488.78 | $ (16.45) |
| SAVINGS 5-10% | |||||
| emergency fund | $ - | $ - | $ - | $ - | $ - |
| kids savings | $ 141.96 | $ 11.83 | $ 5.46 | $ 5.32 | $ 6.51 |
| IRA | $ 6,500.00 | $ 541.67 | $ 250.00 | $ 500.00 | $ 41.67 |
| investments | $ - | $ - | $ - | $ - | $ - |
| HOUSING 25-35% | |||||
| dream home | $ 260.00 | $ 21.67 | $ 10.00 | $ 10.00 | $ 11.67 |
| homeowner's insurance (Jan) | $ 517.00 | $ 43.08 | $ 19.88 | $ - | $ 43.08 |
| Household improvement/ repair | $ 513.76 | $ 42.81 | $ 19.76 | $ 5.73 | $ 37.08 |
| 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 | $ 883.32 | $ 73.61 | $ 33.97 | $ 76.65 | $ (3.04) |
| power | $ 1,506.70 | $ 125.56 | $ 57.95 | $ 315.25 | $ (189.69) |
| water& trash | $ 1,033.24 | $ 86.10 | $ 39.74 | $ 115.38 | $ (29.28) |
| FOOD 5-15% | |||||
| groceries | $ 4,940.00 | $ 411.67 | $ 190.00 | $ 175.63 | $ 236.04 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 342.32 | $ 28.53 | $ 13.17 | $ - | $ 28.53 |
| gasoline- buick and van | $ 2,454.78 | $ 204.57 | $ 94.41 | $ 57.80 | $ 146.77 |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 |
| repair & maintain | $ 373.10 | $ 31.09 | $ 14.35 | $ 537.97 | $ (506.88) |
| replace | $ 764.66 | $ 63.72 | $ 29.41 | $ - | $ 63.72 |
| taxes, property- county (Dec) | $ 62.69 | $ 5.22 | $ 2.41 | $ - | $ 5.22 |
| taxes, property-town (Dec) | $ 75.54 | $ 6.30 | $ 2.91 | $ - | $ 6.30 |
| CLOTHING 2-7% | |||||
| me | $ 6.76 | $ 0.56 | $ 0.26 | $ - | $ 0.56 |
| kids | $ 37.96 | $ 3.16 | $ 1.46 | $ - | $ 3.16 |
| husband | $ 46.54 | $ 3.88 | $ 1.79 | $ - | $ 3.88 |
| MEDICAL 5-10% | |||||
| health care | $ 6,150.00 | $ 512.50 | $ 236.54 | $ 197.61 | $ 314.89 |
| health insurance- med, dent, vis | $ 4,927.78 | $ 410.65 | $189.53 | $ 452.78 | $ (42.13) |
| PERSONAL 5-10% | |||||
| Christmas | $ 66.56 | $ 5.55 | $ 2.56 | $ - | $ 5.55 |
| gifts | $ 26.78 | $ 2.23 | $ 1.03 | $ 49.45 | $ (47.22) |
| personal, me | $ 29.38 | $ 2.45 | $ 1.13 | $ 55.00 | $ (52.55) |
| personal, kids | $ 117.26 | $ 9.77 | $ 4.51 | $ 51.62 | $ (41.85) |
| personal, husband | $ 29.38 | $ 2.45 | $ 1.13 | $ - | $ 2.45 |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ 137.56 | $ (81.23) |
| work | $ 86.58 | $ 7.22 | $ 3.33 | $ 70.27 | $ (63.06) |
| RECREATION 5-10% | $ - | $ - | |||
| entertainment | $ 80.08 | $ 6.67 | $ 3.08 | $ 17.98 | $ (11.31) |
| vacation | $ 80.08 | $ 6.67 | $ 3.08 | $ - | $ 6.67 |
| 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 | $ 2,258.36 | $ 188.20 | $ 86.86 | $ 240.15 | $ (51.95) |
| NET SPENDING | $ 52,159.03 | $ 4,346.59 | $ 2,006.12 | $ 4,293.61 | $ 52.98 |
| DIFFERENCE: NET INCOME/SPENDING | $ 0.09 | $ 0.01 | $ 0.00 | $ 217.78 |
Thursday, February 15, 2018
Budget update
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