| TOTAL INCOME | $ 58,094.40 | $ 4,841.20 | $ 2,234.40 | $ 4,841.28 | $ (0.08) |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 5,044.52 | $ 420.38 | $ 194.02 | $ 298.49 | $ 121.89 |
| NET INCOME | $ 53,049.88 | $ 4,420.82 | $ 2,040.38 | $ 4,542.79 | $ (121.97) |
| CHARITY 10-15% | |||||
| fast offering | $ 1,140.00 | $ 95.00 | $ 43.85 | $ 95.00 | $ - |
| tithing | $ 5,809.44 | $ 484.12 | $ 223.44 | $ 484.13 | $ (0.01) |
| SAVINGS 5-10% | |||||
| emergency fund | $ 520.00 | $ 43.33 | $ 20.00 | $ 40.00 | $ 3.33 |
| kids savings | $ 149.76 | $ 12.48 | $ 5.76 | $ 11.52 | $ 0.96 |
| IRA | $ 6,500.00 | $ 541.67 | $ 250.00 | $ 500.00 | $ 41.67 |
| investments | $ - | $ - | $ - | $ - | |
| HOUSING 25-35% | |||||
| dream home | $ 260.00 | $ 21.67 | $ 10.00 | $ 561.57 | $ (539.90) |
| homeowner's insurance (Jan) | $ 517.00 | $ 43.08 | $ 19.88 | $ - | $ 43.08 |
| Household improvement/ repair | $ 224.64 | $ 18.72 | $ 8.64 | $ 4.21 | $ 14.51 |
| 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 | $ 992.16 | $ 82.68 | $ 38.16 | $ 94.61 | $ (11.93) |
| power | $ 1,843.40 | $ 153.62 | $ 70.90 | $ 94.78 | $ 58.84 |
| water& trash | $ 1,238.38 | $ 103.20 | $ 47.63 | $ 88.37 | $ 14.83 |
| FOOD 5-15% | |||||
| groceries | $ 4,940.00 | $ 411.67 | $ 190.00 | $ 296.99 | $ 114.68 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 342.32 | $ 28.53 | $ 13.17 | $ 171.16 | $ (142.63) |
| gasoline- buick and van | $ 2,614.92 | $ 217.91 | $ 100.57 | $ 224.96 | $ (7.05) |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 |
| repair & maintain | $ 191.62 | $ 15.97 | $ 7.37 | $ - | $ 15.97 |
| replace | $ 379.08 | $ 31.59 | $ 14.58 | $ - | $ 31.59 |
| 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 | $ 11.18 | $ 0.93 | $ 0.43 | $ - | $ 0.93 |
| kids | $ 12.22 | $ 1.02 | $ 0.47 | $ 9.48 | $ (8.46) |
| husband | $ 11.18 | $ 0.93 | $ 0.43 | $ - | $ 0.93 |
| MEDICAL 5-10% | |||||
| health care | $ 6,150.00 | $ 512.50 | $ 236.54 | $ 296.62 | $ 215.88 |
| health insurance- med, dent, vis, disability | $ 4,927.78 | $ 410.65 | $189.53 | $ 379.06 | $ 31.59 |
| PERSONAL 5-10% | |||||
| Christmas | $ - | $ - | $ - | $ - | $ - |
| gifts | $ 13.26 | $ 1.11 | $ 0.51 | $ - | $ 1.11 |
| life insurance | $ 110.00 | $ 9.17 | $ 4.23 | $ - | $ 9.17 |
| personal, me | $ 15.08 | $ 1.26 | $ 0.58 | $ - | $ 1.26 |
| personal, kids | $ 60.84 | $ 5.07 | $ 2.34 | $ 123.70 | $ (118.63) |
| personal, husband | $ 15.08 | $ 1.26 | $ 0.58 | $ 7.35 | $ (6.09) |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ 2.07 | $ 54.26 |
| work | $ - | $ - | $ - | $ 66.93 | $ (66.93) |
| RECREATION 5-10% | |||||
| entertainment | $ 40.56 | $ 3.38 | $ 1.56 | $ - | $ 3.38 |
| vacation | $ 23.40 | $ 1.95 | $ 0.90 | $ - | $ 1.95 |
| RV trip | $ 1,300.00 | $ 108.33 | $ 50.00 | $ 175.00 | $ (66.67) |
| DEBT 5-10% | |||||
| husband's student loans | $ 7,052.16 | $ 587.68 | $ 271.24 | $ 587.68 | $ - |
| husband's student loans extra | $ 2,820.00 | $ 235.00 | $ 108.46 | $ 235.00 | $ - |
| NET SPENDING | $ 53,049.98 | $ 4,420.83 | $ 2,040.38 | $ 4,588.64 | $ (176.98) |
| DIFFERENCE: NET INCOME/SPENDING | $ (0.10) | $ (0.01) | $ (0.00) | $ (45.85) |
Thursday, July 26, 2018
Budget update
Thursday, July 12, 2018
Where we went over budget
We were on vacation last month, and we used our phones far more than average, so we went a bit over on our cell phone bill this month.
Budget update
| TOTAL INCOME | $ 58,094.40 | $ 4,841.20 | $ 2,234.40 | $ 2,548.65 | $ 2,292.55 |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 5,044.52 | $ 420.38 | $ 194.02 | $ 159.13 | $ 261.25 |
| NET INCOME | $ 53,049.88 | $ 4,420.82 | $ 2,040.38 | $ 2,389.52 | $ 2,031.30 |
| CHARITY 10-15% | |||||
| fast offering | $ 1,140.00 | $ 95.00 | $ 43.85 | $ 95.00 | $ - |
| tithing | $ 5,809.44 | $ 484.12 | $ 223.44 | $ 254.86 | $ 229.26 |
| SAVINGS 5-10% | |||||
| emergency fund | $ 520.00 | $ 43.33 | $ 20.00 | $ 20.00 | $ 23.33 |
| kids savings | $ 149.76 | $ 12.48 | $ 5.76 | $ 5.76 | $ 6.72 |
| IRA | $ 6,500.00 | $ 541.67 | $ 250.00 | $ 250.00 | $ 291.67 |
| 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 | $ 224.64 | $ 18.72 | $ 8.64 | $ - | $ 18.72 |
| 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 | $ 992.16 | $ 82.68 | $ 38.16 | $ 94.61 | $ (11.93) |
| power | $ 1,843.40 | $ 153.62 | $ 70.90 | $ 94.78 | $ 58.84 |
| water& trash | $ 1,238.38 | $ 103.20 | $ 47.63 | $ - | $ 103.20 |
| FOOD 5-15% | |||||
| groceries | $ 4,940.00 | $ 411.67 | $ 190.00 | $ 88.44 | $ 323.23 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 342.32 | $ 28.53 | $ 13.17 | $ - | $ 28.53 |
| gasoline- buick and van | $ 2,614.92 | $ 217.91 | $ 100.57 | $ 118.18 | $ 99.73 |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 |
| repair & maintain | $ 191.62 | $ 15.97 | $ 7.37 | $ - | $ 15.97 |
| replace | $ 379.08 | $ 31.59 | $ 14.58 | $ - | $ 31.59 |
| 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 | $ 11.18 | $ 0.93 | $ 0.43 | $ - | $ 0.93 |
| kids | $ 12.22 | $ 1.02 | $ 0.47 | $ 9.48 | $ (8.46) |
| husband | $ 11.18 | $ 0.93 | $ 0.43 | $ - | $ 0.93 |
| MEDICAL 5-10% | |||||
| health care | $ 6,150.00 | $ 512.50 | $ 236.54 | $ 283.34 | $ 229.16 |
| health insurance- med, dent, vis, disability | $ 4,927.78 | $ 410.65 | $189.53 | $ 189.53 | $ 221.12 |
| PERSONAL 5-10% | |||||
| Christmas | $ - | $ - | $ - | $ - | $ - |
| gifts | $ 13.26 | $ 1.11 | $ 0.51 | $ - | $ 1.11 |
| life insurance | $ 110.00 | $ 9.17 | $ 4.23 | $ - | $ 9.17 |
| personal, me | $ 15.08 | $ 1.26 | $ 0.58 | $ - | $ 1.26 |
| personal, kids | $ 60.84 | $ 5.07 | $ 2.34 | $ 1.80 | $ 3.27 |
| personal, husband | $ 15.08 | $ 1.26 | $ 0.58 | $ - | $ 1.26 |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ - | $ 56.33 |
| work | $ - | $ - | $ - | $ 62.22 | $ (62.22) |
| RECREATION 5-10% | |||||
| entertainment | $ 40.56 | $ 3.38 | $ 1.56 | $ - | $ 3.38 |
| vacation | $ 23.40 | $ 1.95 | $ 0.90 | $ - | $ 1.95 |
| RV trip | $ 1,300.00 | $ 108.33 | $ 50.00 | $ 125.00 | $ (16.67) |
| DEBT 5-10% | |||||
| husband's student loans | $ 7,052.16 | $ 587.68 | $ 271.24 | $ - | $ 587.68 |
| husband's student loans extra | $ 2,820.00 | $ 235.00 | $ 108.46 | $ - | $ 235.00 |
| NET SPENDING | $ 53,049.98 | $ 4,420.83 | $ 2,040.38 | $ 1,703.00 | $ 2,708.66 |
| DIFFERENCE: NET INCOME/SPENDING | $ (0.10) | $ (0.01) | $ (0.00) | $ 686.52 |
Thursday, July 5, 2018
Where we went over budget
My son needed new Sunday pants, and though I got them on clearance, they still went over what we had in our budget. We're really trying to buckle down on paying down debt so that we will meet our goal of being debt-free in Spring 2020, so I need to pay more attention before we spend money.
Budget update
| TOTAL INCOME | $ 58,094.40 | $ 4,841.20 | $ 2,234.40 | $ 2,548.65 | $ 2,292.55 |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 5,044.52 | $ 420.38 | $ 194.02 | $ 159.13 | $ 261.25 |
| NET INCOME | $ 53,049.88 | $ 4,420.82 | $ 2,040.38 | $ 2,389.52 | $ 2,031.30 |
| CHARITY 10-15% | |||||
| fast offering | $ 1,140.00 | $ 95.00 | $ 43.85 | $ 95.00 | $ - |
| tithing | $ 5,809.44 | $ 484.12 | $ 223.44 | $ 254.86 | $ 229.26 |
| SAVINGS 5-10% | |||||
| emergency fund | $ 520.00 | $ 43.33 | $ 20.00 | $ - | $ 43.33 |
| kids savings | $ 149.76 | $ 12.48 | $ 5.76 | $ 2.88 | $ 9.60 |
| IRA | $ 6,500.00 | $ 541.67 | $ 250.00 | $ 250.00 | $ 291.67 |
| investments | $ - | $ - | $ - | $ - | |
| HOUSING 25-35% | |||||
| dream home | $ 260.00 | $ 21.67 | $ 10.00 | $ 5.00 | $ 16.67 |
| homeowner's insurance (Jan) | $ 517.00 | $ 43.08 | $ 19.88 | $ - | $ 43.08 |
| Household improvement/ repair | $ 224.64 | $ 18.72 | $ 8.64 | $ - | $ 18.72 |
| 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 | $ 992.16 | $ 82.68 | $ 38.16 | $ - | $ 82.68 |
| power | $ 1,843.40 | $ 153.62 | $ 70.90 | $ 94.78 | $ 58.84 |
| water& trash | $ 1,238.38 | $ 103.20 | $ 47.63 | $ - | $ 103.20 |
| FOOD 5-15% | |||||
| groceries | $ 4,940.00 | $ 411.67 | $ 190.00 | $ 1.05 | $ 410.62 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 342.32 | $ 28.53 | $ 13.17 | $ - | $ 28.53 |
| gasoline- buick and van | $ 2,614.92 | $ 217.91 | $ 100.57 | $ 72.58 | $ 145.33 |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 |
| repair & maintain | $ 191.62 | $ 15.97 | $ 7.37 | $ - | $ 15.97 |
| replace | $ 379.08 | $ 31.59 | $ 14.58 | $ - | $ 31.59 |
| 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 | $ 11.18 | $ 0.93 | $ 0.43 | $ - | $ 0.93 |
| kids | $ 12.22 | $ 1.02 | $ 0.47 | $ 9.48 | $ (8.46) |
| husband | $ 11.18 | $ 0.93 | $ 0.43 | $ - | $ 0.93 |
| MEDICAL 5-10% | |||||
| health care | $ 6,150.00 | $ 512.50 | $ 236.54 | $ 283.34 | $ 229.16 |
| health insurance- med, dent, vis, disability | $ 4,927.78 | $ 410.65 | $189.53 | $ 189.53 | $ 221.12 |
| PERSONAL 5-10% | |||||
| Christmas | $ - | $ - | $ - | $ - | $ - |
| gifts | $ 13.26 | $ 1.11 | $ 0.51 | $ - | $ 1.11 |
| life insurance | $ 110.00 | $ 9.17 | $ 4.23 | $ - | $ 9.17 |
| personal, me | $ 15.08 | $ 1.26 | $ 0.58 | $ - | $ 1.26 |
| personal, kids | $ 60.84 | $ 5.07 | $ 2.34 | $ 0.90 | $ 4.17 |
| personal, husband | $ 15.08 | $ 1.26 | $ 0.58 | $ - | $ 1.26 |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ - | $ 56.33 |
| work | $ - | $ - | $ - | $ - | $ - |
| RECREATION 5-10% | |||||
| entertainment | $ 40.56 | $ 3.38 | $ 1.56 | $ - | $ 3.38 |
| vacation | $ 23.40 | $ 1.95 | $ 0.90 | $ - | $ 1.95 |
| RV trip | $ 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 | $ 2,820.00 | $ 235.00 | $ 108.46 | $ - | $ 235.00 |
| NET SPENDING | $ 53,049.98 | $ 4,420.83 | $ 2,040.38 | $ 1,359.40 | $ 3,052.26 |
| DIFFERENCE: NET INCOME/SPENDING | $ (0.10) | $ (0.01) | $ (0.00) | $ 1,030.12 |
Budget update- June final numbers
| 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 | $ 20.00 | $ 1.67 |
| 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 | $ 76.61 | $ 2.08 |
| 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 | $ 426.71 | $ (15.04) |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 342.32 | $ 28.53 | $ 13.17 | $ - | $ 28.53 |
| gasoline- buick and van | $ 2,764.34 | $ 230.36 | $ 106.32 | $ 246.28 | $ (15.92) |
| 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 | $ 8.08 | $ (4.77) |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ 40.00 | $ 16.33 |
| work | $ - | $ - | $ - | $ 349.30 | $ (349.30) |
| 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 | $ 53,405.80 | $ 4,450.48 | $ 2,054.07 | $ 6,124.39 | $(1,683.07) |
| DIFFERENCE: NET INCOME/SPENDING | $ (355.92) | $ (29.66) | $ (13.69) | $(1,951.65) |
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