| TOTAL INCOME | $ 56,680.00 | $ 4,723.33 | $ 2,180.00 | $ 11,086.73 | $(6,363.40) | |
| Yearly total | Monthly | Average biweekly | Actual | Difference | ||
| INCOME TAX | 7.98% | |||||
| taxes, work | $ 4,520.88 | $ 376.74 | $ 173.88 | $ 376.34 | $ 0.40 | |
| NET INCOME | $ 52,159.12 | $ 4,346.59 | $ 2,006.12 | $ 10,710.39 | $(6,363.80) | |
| CHARITY 10-15% | 13.05% | |||||
| fast offering | $ 1,140.00 | $ 95.00 | $ 43.85 | $ 95.00 | $ - | |
| tithing | $ 5,668.00 | $ 472.33 | $ 218.00 | $ 1,108.68 | $ (636.35) | |
| SAVINGS 5-10% | 12.73% | |||||
| emergency fund | $ - | $ - | $ - | $ - | $ - | |
| kids savings | $ 141.96 | $ 11.83 | $ 5.46 | $ 8.05 | $ 3.78 | |
| IRA | $ 6,500.00 | $ 541.67 | $ 250.00 | $ 500.00 | $ 41.67 | |
| investments | $ - | $ - | $ - | $ - | $ - | |
| HOUSING 25-35% | 5.28% | |||||
| 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 | $ 513.76 | $ 42.81 | $ 19.76 | $ 26.54 | $ 16.27 | |
| 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% | 7.45% | |||||
| 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% | 9.47% | |||||
| groceries | $ 4,940.00 | $ 411.67 | $ 190.00 | $ 326.44 | $ 85.23 | |
| TRANSPORTATION 10-15% | 7.97% | |||||
| car insurance (Jan and Jul) | $ 342.32 | $ 28.53 | $ 13.17 | $ - | $ 28.53 | |
| gasoline- buick and van | $ 2,454.78 | $ 204.57 | $ 94.41 | $ 107.47 | $ 97.10 | |
| 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% | 0.17% | |||||
| 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% | 21.24% | |||||
| health care | $ 6,150.00 | $ 512.50 | $ 236.54 | $ 384.50 | $ 128.00 | |
| health insurance- med, dent, vis | $ 4,927.78 | $ 410.65 | $189.53 | $ 452.78 | $ (42.13) | |
| PERSONAL 5-10% | 1.98% | |||||
| Christmas | $ 66.56 | $ 5.55 | $ 2.56 | $ - | $ 5.55 | |
| gifts | $ 26.78 | $ 2.23 | $ 1.03 | $ 89.99 | $ (87.76) | |
| personal, me | $ 29.38 | $ 2.45 | $ 1.13 | $ 59.33 | $ (56.88) | |
| personal, kids | $ 117.26 | $ 9.77 | $ 4.51 | $ 139.31 | $ (129.54) | |
| personal, husband | $ 29.38 | $ 2.45 | $ 1.13 | $ 4.33 | $ (1.88) | |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ 137.56 | $ (81.23) | |
| work | $ 86.58 | $ 7.22 | $ 3.33 | $ 1,424.54 | $(1,417.33) | |
| RECREATION 5-10% | $ - | $ - | 2.80% | |||
| 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 | $ 100.00 | $ 8.33 | |
| DEBT 5-10% | 17.85% | |||||
| 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 | $ 6,914.03 | $(2,567.44) | 100% |
| DIFFERENCE: NET INCOME/SPENDING | $ 0.09 | $ 0.01 | $ 0.00 | $ 3,796.36 |
Thursday, March 1, 2018
Budget update- February final numbers
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