| TOTAL INCOME | $ 58,094.40 | $ 4,841.20 | $ 2,234.40 | $ 4,823.04 | $ 18.16 |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 5,044.52 | $ 420.38 | $ 194.02 | $ 650.30 | $ (229.92) |
| NET INCOME | $ 53,049.88 | $ 4,420.82 | $ 2,040.38 | $ 4,172.74 | $ 248.08 |
| CHARITY 10-15% | |||||
| fast offering | $ 1,140.00 | $ 95.00 | $ 43.85 | $ 95.00 | $ - |
| tithing | $ 5,809.44 | $ 484.12 | $ 223.44 | $ 482.31 | $ 1.81 |
| SAVINGS 5-10% | |||||
| emergency fund | $ 2,384.98 | $ 198.75 | $ 91.73 | $ 40.00 | $ 158.75 |
| kids savings | $ 141.96 | $ 11.83 | $ 5.46 | $ 11.21 | $ 0.62 |
| 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 | $ 380.12 | $ 31.68 | $ 14.62 | $ 1,434.57 | $(1,402.89) |
| appliance replace | $ 214.50 | $ 17.88 | $ 8.25 | $ - | $ 17.88 |
| real estate tax, county (Jun and Dec) | $ 1,060.00 | $ 88.33 | $ 40.77 | $ 530.00 | $ (441.67) |
| 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 | $ 944.32 | $ 78.69 | $ 36.32 | $ - | $ 78.69 |
| power | $ 1,749.28 | $ 145.77 | $ 67.28 | $ 136.00 | $ 9.77 |
| water& trash | $ 1,162.98 | $ 96.92 | $ 44.73 | $ 118.48 | $ (21.57) |
| FOOD 5-15% | |||||
| groceries | $ 4,940.00 | $ 411.67 | $ 190.00 | $ 294.40 | $ 117.27 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 342.32 | $ 28.53 | $ 13.17 | $ - | $ 28.53 |
| gasoline- buick and van | $ 2,686.11 | $ 223.84 | $ 103.31 | $ 246.28 | $ (22.44) |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 |
| repair & maintain | $ 483.86 | $ 40.32 | $ 18.61 | $ - | $ 40.32 |
| replace | $ 991.12 | $ 82.59 | $ 38.12 | $ - | $ 82.59 |
| 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 | $ 29.38 | $ 2.45 | $ 1.13 | $ 48.99 | $ (46.54) |
| kids | $ 31.98 | $ 2.67 | $ 1.23 | $ 16.72 | $ (14.06) |
| husband | $ 29.38 | $ 2.45 | $ 1.13 | $ 58.39 | $ (55.94) |
| MEDICAL 5-10% | |||||
| health care | $ 6,150.00 | $ 512.50 | $ 236.54 | $ 73.32 | $ 439.18 |
| health insurance- med, dent, vis, disability | $ 4,927.78 | $ 410.65 | $189.53 | $ 379.06 | $ 31.59 |
| PERSONAL 5-10% | |||||
| Christmas | $ - | $ - | $ - | $ - | $ - |
| gifts | $ 34.58 | $ 2.88 | $ 1.33 | $ 19.74 | $ (16.86) |
| life insurance | $ 110.00 | $ 9.17 | $ 4.23 | $ - | $ 9.17 |
| personal, me | $ 39.78 | $ 3.32 | $ 1.53 | $ - | $ 3.32 |
| personal, kids | $ 158.86 | $ 13.24 | $ 6.11 | $ 161.74 | $ (148.50) |
| personal, husband | $ 39.78 | $ 3.32 | $ 1.53 | $ - | $ 3.32 |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ 40.00 | $ 16.33 |
| work | $ - | $ - | $ - | $ 268.93 | $ (268.93) |
| RECREATION 5-10% | |||||
| entertainment | $ 106.34 | $ 8.86 | $ 4.09 | $ 31.34 | $ (22.48) |
| vacation | $ 59.54 | $ 4.96 | $ 2.29 | $ - | $ 4.96 |
| disney | $ 1,300.00 | $ 108.33 | $ 50.00 | $ 194.41 | $ (86.08) |
| DEBT 5-10% | |||||
| husband's student loans | $ 7,052.16 | $ 587.68 | $ 271.24 | $ 587.68 | $ - |
| husband's student loans extra | $ - | $ - | $ - | $ - | |
| NET SPENDING | $ 53,327.57 | $ 4,443.96 | $ 2,051.06 | $ 5,822.02 | $(1,387.22) |
| DIFFERENCE: NET INCOME/SPENDING | $ (277.69) | $ (23.14) | $ (10.68) | $(1,649.28) |
Thursday, June 28, 2018
Budget update
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