Saturday, March 31, 2018

Budget update- March final numbers

TOTAL INCOME  $  56,680.00  $ 4,723.33  $              2,180.00  $ 8,924.39  $(4,201.06)
 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX
taxes, work  $    4,930.90  $    410.91  $                 189.65  $    621.69  $   (210.78)
NET INCOME  $  51,749.10  $ 4,312.43  $              1,990.35  $ 8,302.70  $(3,990.28)
CHARITY 10-15%
fast offering  $    1,140.00  $      95.00  $                   43.85  $      95.00  $             -  
tithing  $    5,668.00  $    472.33  $                 218.00  $    892.44  $   (420.11)
SAVINGS 5-10%
emergency fund  $              -    $           -    $                         -    $           -    $             -  
kids savings  $       141.96  $      11.83  $                     5.46  $      10.92  $         0.91
IRA  $    6,500.00  $    541.67  $                 250.00  $    750.00  $   (208.33)
investments  $              -    $           -    $                         -    $           -    $             -  
HOUSING 25-35%
dream home  $       260.00  $      21.67  $                   10.00  $      20.00  $         1.67
homeowner's insurance (Jan)  $       517.00  $      43.08  $                   19.88  $           -    $       43.08
Household improvement/ repair  $              -    $           -    $                         -    $      31.08  $     (31.08)
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  $       919.88  $      76.66  $                   35.38  $      85.65  $       (8.99)
power  $    1,641.12  $    136.76  $                   63.12  $    256.20  $   (119.44)
water& trash  $    1,108.90  $      92.41  $                   42.65  $    119.40  $     (26.99)
FOOD 5-15%
groceries  $    4,940.00  $    411.67  $                 190.00  $    478.58  $     (66.91)
TRANSPORTATION 10-15%
car insurance (Jan and Jul)  $       342.32  $      28.53  $                   13.17  $           -    $       28.53
gasoline- buick and van  $    2,330.92  $    194.24  $                   89.65  $    118.98  $       75.26
registration, buick  $         39.42  $        3.28  $                     1.52  $           -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $           -    $         3.70
repair & maintain  $       780.00  $      65.00  $                   30.00  $           -    $       65.00
replace  $    1,794.00  $    149.50  $                   69.00  $           -    $     149.50
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  $         65.00  $        5.42  $                     2.50  $           -    $         5.42
kids  $         65.00  $        5.42  $                     2.50  $           -    $         5.42
husband  $         65.00  $        5.42  $                     2.50  $           -    $         5.42
MEDICAL 5-10%
health care  $    6,150.00  $    512.50  $                 236.54  $    917.17  $   (404.67)
health insurance- med, dent, vis  $    4,927.78  $    410.65 $189.53  $    568.59  $   (157.94)
PERSONAL 5-10%
Christmas  $              -    $           -    $                         -    $           -    $             -  
gifts  $         62.40  $        5.20  $                     2.40  $           -    $         5.20
personal, me  $         91.00  $        7.58  $                     3.50  $      20.00  $     (12.42)
personal, kids  $       871.00  $      72.58  $                   33.50  $      61.20  $       11.38
personal, husband  $         91.00  $        7.58  $                     3.50  $           -    $         7.58
pets  $       676.00  $      56.33  $                   26.00  $      42.88  $       13.45
work  $              -    $           -    $                         -    $    410.53  $   (410.53)
RECREATION 5-10%
entertainment  $       180.18  $      15.02  $                     6.93  $      44.05  $     (29.04)
vacation  $              -    $           -    $           -    $             -  
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  $              -    $           -    $           -    $             -  
NET SPENDING  $  51,829.14  $ 4,319.09  $              1,993.43  $ 5,648.80  $(1,329.71)
 DIFFERENCE: NET INCOME/SPENDING   $       (80.04)  $      (6.67)  $                   (3.08)  $ 2,653.90

Thursday, March 29, 2018

Budget update

TOTAL INCOME  $  56,680.00  $ 4,723.33  $              2,180.00  $ 8,924.39  $(4,201.06)
 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX
taxes, work  $    4,930.90  $    410.91  $                 189.65  $    621.69  $   (210.78)
NET INCOME  $  51,749.10  $ 4,312.43  $              1,990.35  $ 8,302.70  $(3,990.28)
CHARITY 10-15%
fast offering  $    1,140.00  $      95.00  $                   43.85  $      95.00  $             -  
tithing  $    5,668.00  $    472.33  $                 218.00  $    892.44  $   (420.11)
SAVINGS 5-10%
emergency fund  $              -    $           -    $                         -    $           -    $             -  
kids savings  $       141.96  $      11.83  $                     5.46  $      10.92  $         0.91
IRA  $    6,500.00  $    541.67  $                 250.00  $    750.00  $   (208.33)
investments  $              -    $           -    $                         -    $           -    $             -  
HOUSING 25-35%
dream home  $       260.00  $      21.67  $                   10.00  $      20.00  $         1.67
homeowner's insurance (Jan)  $       517.00  $      43.08  $                   19.88  $           -    $       43.08
Household improvement/ repair  $              -    $           -    $                         -    $           -    $             -  
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  $       919.88  $      76.66  $                   35.38  $      85.65  $       (8.99)
power  $    1,641.12  $    136.76  $                   63.12  $    256.20  $   (119.44)
water& trash  $    1,108.90  $      92.41  $                   42.65  $           -    $       92.41
FOOD 5-15%
groceries  $    4,940.00  $    411.67  $                 190.00  $    340.30  $       71.37
TRANSPORTATION 10-15%
car insurance (Jan and Jul)  $       342.32  $      28.53  $                   13.17  $           -    $       28.53
gasoline- buick and van  $    2,334.85  $    194.57  $                   89.80  $      78.58  $     115.99
registration, buick  $         39.42  $        3.28  $                     1.52  $           -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $           -    $         3.70
repair & maintain  $       780.00  $      65.00  $                   30.00  $           -    $       65.00
replace  $    1,794.00  $    149.50  $                   69.00  $           -    $     149.50
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  $         65.00  $        5.42  $                     2.50  $           -    $         5.42
kids  $         65.00  $        5.42  $                     2.50  $           -    $         5.42
husband  $         65.00  $        5.42  $                     2.50  $           -    $         5.42
MEDICAL 5-10%
health care  $    6,150.00  $    512.50  $                 236.54  $    917.17  $   (404.67)
health insurance- med, dent, vis  $    4,927.78  $    410.65 $189.53  $    568.59  $   (157.94)
PERSONAL 5-10%
Christmas  $              -    $           -    $                         -    $           -    $             -  
gifts  $         62.40  $        5.20  $                     2.40  $           -    $         5.20
personal, me  $         91.00  $        7.58  $                     3.50  $      20.00  $     (12.42)
personal, kids  $       871.00  $      72.58  $                   33.50  $      61.20  $       11.38
personal, husband  $         91.00  $        7.58  $                     3.50  $           -    $         7.58
pets  $       676.00  $      56.33  $                   26.00  $      40.81  $       15.52
work  $              -    $           -    $                         -    $    408.68  $   (408.68)
RECREATION 5-10%
entertainment  $       180.18  $      15.02  $                     6.93  $      44.05  $     (29.04)
vacation  $              -    $           -    $           -    $             -  
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  $              -    $           -    $           -    $             -  
NET SPENDING  $  51,833.07  $ 4,319.42  $              1,993.58  $ 5,315.72  $   (996.30)
 DIFFERENCE: NET INCOME/SPENDING   $       (83.97)  $      (7.00)  $                   (3.23)  $ 2,986.98

Thursday, March 22, 2018

Budget update

TOTAL INCOME  $  56,680.00  $ 4,723.33  $              2,180.00  $ 6,206.20  $(1,482.87)
 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX
taxes, work  $    4,930.90  $    410.91  $                 189.65  $    445.86  $     (34.95)
NET INCOME  $  51,749.10  $ 4,312.43  $              1,990.35  $ 5,760.34  $(1,447.92)
CHARITY 10-15%
fast offering  $    1,140.00  $      95.00  $                   43.85  $      95.00  $             -  
tithing  $    5,668.00  $    472.33  $                 218.00  $    620.62  $   (148.29)
SAVINGS 5-10%
emergency fund  $              -    $           -    $                         -    $           -    $             -  
kids savings  $       141.96  $      11.83  $                     5.46  $        8.19  $         3.64
IRA  $    6,500.00  $    541.67  $                 250.00  $    500.00  $       41.67
investments  $              -    $           -    $                         -    $           -    $             -  
HOUSING 25-35%
dream home  $       260.00  $      21.67  $                   10.00  $      15.00  $         6.67
homeowner's insurance (Jan)  $       517.00  $      43.08  $                   19.88  $           -    $       43.08
Household improvement/ repair  $              -    $           -    $                         -    $           -    $             -  
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  $       919.88  $      76.66  $                   35.38  $      85.65  $       (8.99)
power  $    1,641.12  $    136.76  $                   63.12  $    256.20  $   (119.44)
water& trash  $    1,108.90  $      92.41  $                   42.65  $           -    $       92.41
FOOD 5-15%
groceries  $    4,940.00  $    411.67  $                 190.00  $    264.96  $     146.71
TRANSPORTATION 10-15%
car insurance (Jan and Jul)  $       342.32  $      28.53  $                   13.17  $           -    $       28.53
gasoline- buick and van  $    2,334.85  $    194.57  $                   89.80  $      36.51  $     158.06
registration, buick  $         39.42  $        3.28  $                     1.52  $           -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $           -    $         3.70
repair & maintain  $       780.00  $      65.00  $                   30.00  $           -    $       65.00
replace  $    1,794.00  $    149.50  $                   69.00  $           -    $     149.50
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  $         65.00  $        5.42  $                     2.50  $           -    $         5.42
kids  $         65.00  $        5.42  $                     2.50  $           -    $         5.42
husband  $         65.00  $        5.42  $                     2.50  $           -    $         5.42
MEDICAL 5-10%
health care  $    6,150.00  $    512.50  $                 236.54  $    904.91  $   (392.41)
health insurance- med, dent, vis  $    4,927.78  $    410.65 $189.53  $    379.06  $       31.59
PERSONAL 5-10%
Christmas  $              -    $           -    $                         -    $           -    $             -  
gifts  $         62.40  $        5.20  $                     2.40  $           -    $         5.20
personal, me  $         91.00  $        7.58  $                     3.50  $      20.00  $     (12.42)
personal, kids  $       871.00  $      72.58  $                   33.50  $      60.36  $       12.22
personal, husband  $         91.00  $        7.58  $                     3.50  $           -    $         7.58
pets  $       676.00  $      56.33  $                   26.00  $      40.81  $       15.52
work  $              -    $           -    $                         -    $    397.21  $   (397.21)
RECREATION 5-10%
entertainment  $       180.18  $      15.02  $                     6.93  $           -    $       15.02
vacation  $              -    $           -    $           -    $             -  
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  $              -    $           -    $           -    $             -  
NET SPENDING  $  51,833.07  $ 4,319.42  $              1,993.58  $ 4,385.61  $     (66.19)
 DIFFERENCE: NET INCOME/SPENDING   $       (83.97)  $      (7.00)  $                   (3.23)  $ 1,374.73

Thursday, March 15, 2018

Budget update

TOTAL INCOME  $  56,680.00  $ 4,723.33  $              2,180.00  $ 6,206.20  $(1,482.87)
 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX
taxes, work  $    4,930.90  $    410.91  $                 189.65  $    445.86  $     (34.95)
NET INCOME  $  51,749.10  $ 4,312.43  $              1,990.35  $ 5,760.34  $(1,447.92)
CHARITY 10-15%
fast offering  $    1,140.00  $      95.00  $                   43.85  $      95.00  $             -  
tithing  $    5,668.00  $    472.33  $                 218.00  $    620.62  $   (148.29)
SAVINGS 5-10%
emergency fund  $              -    $           -    $                         -    $           -    $             -  
kids savings  $       141.96  $      11.83  $                     5.46  $        5.46  $         6.37
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  $              -    $           -    $                         -    $           -    $             -  
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  $       919.88  $      76.66  $                   35.38  $      85.65  $       (8.99)
power  $    1,641.12  $    136.76  $                   63.12  $    256.20  $   (119.44)
water& trash  $    1,108.90  $      92.41  $                   42.65  $           -    $       92.41
FOOD 5-15%
groceries  $    4,940.00  $    411.67  $                 190.00  $    176.42  $     235.25
TRANSPORTATION 10-15%
car insurance (Jan and Jul)  $       342.32  $      28.53  $                   13.17  $           -    $       28.53
gasoline- buick and van  $    2,334.85  $    194.57  $                   89.80  $           -    $     194.57
registration, buick  $         39.42  $        3.28  $                     1.52  $           -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $           -    $         3.70
repair & maintain  $       780.00  $      65.00  $                   30.00  $           -    $       65.00
replace  $    1,794.00  $    149.50  $                   69.00  $           -    $     149.50
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  $         65.00  $        5.42  $                     2.50  $           -    $         5.42
kids  $         65.00  $        5.42  $                     2.50  $           -    $         5.42
husband  $         65.00  $        5.42  $                     2.50  $           -    $         5.42
MEDICAL 5-10%
health care  $    6,150.00  $    512.50  $                 236.54  $    904.91  $   (392.41)
health insurance- med, dent, vis  $    4,927.78  $    410.65 $189.53  $    379.06  $       31.59
PERSONAL 5-10%
Christmas  $              -    $           -    $                         -    $           -    $             -  
gifts  $         62.40  $        5.20  $                     2.40  $           -    $         5.20
personal, me  $         91.00  $        7.58  $                     3.50  $      20.00  $     (12.42)
personal, kids  $       871.00  $      72.58  $                   33.50  $      59.52  $       13.06
personal, husband  $         91.00  $        7.58  $                     3.50  $           -    $         7.58
pets  $       676.00  $      56.33  $                   26.00  $      40.81  $       15.52
work  $              -    $           -    $                         -    $    351.59  $   (351.59)
RECREATION 5-10%
entertainment  $       180.18  $      15.02  $                     6.93  $           -    $       15.02
vacation  $              -    $           -    $           -    $             -  
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  $              -    $           -    $           -    $             -  
NET SPENDING  $  51,833.07  $ 4,319.42  $              1,993.58  $ 4,142.92  $     176.50
 DIFFERENCE: NET INCOME/SPENDING   $       (83.97)  $      (7.00)  $                   (3.23)  $ 1,617.42