| 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 |
Thursday, March 15, 2018
Budget update
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