Yes, it's Christmas- time. So far, we are $1.49 over budget, but I've gotten the majority of my shopping done, so I'm pleased with that number!
How's everyone doing on the monthly challenge of trying to save money on food? I'm pleased to say, that we're doing awesome so far. I really blew the budget last month on food, so hopefully this will make up for it. It's a great time of year to stock up on baking supplies, but I don't think I went overboard. I tell you, though, ice cream was on sale for a fantastic price the last few weeks, but I restrained myself and didn't completely fill the freezer ;)
Saturday, December 12, 2015
Budget update
| TOTAL INCOME | $ 43,992.00 | $ 3,666.00 | $ 1,692.00 | $ 1,947.55 | $ 1,718.45 |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 2,710.24 | $ 225.85 | $ 104.24 | $ 120.37 | $ 105.48 |
| NET INCOME | $ 41,281.76 | $ 3,440.15 | $ 1,587.76 | $ 1,827.18 | $ 1,612.97 |
| CHARITY 10-15% | |||||
| fast offering | $ 719.94 | $ 60.00 | $ 27.69 | $ 60.00 | $ (0.00) |
| tithing | $ 4,399.20 | $ 366.60 | $ 169.20 | $ 194.76 | $ 171.84 |
| SAVINGS 5-10% | |||||
| emergency fund | $ - | $ - | $ - | $ - | $ - |
| kids savings | $ 59.80 | $ 4.98 | $ 2.30 | $ 2.40 | $ 2.58 |
| retirement | $ 1,319.76 | $ 109.98 | $ 50.76 | $ 57.08 | $ 52.90 |
| HOUSING 25-35% | |||||
| dream home | $ 26.00 | $ 2.17 | $ 1.00 | $ 1.15 | $ 1.02 |
| homeowner's insurance (Jan) | $ 503.00 | $ 41.92 | $ 19.35 | $ - | $ 41.92 |
| Household improvement/ repair | $ 173.42 | $ 14.45 | $ 6.67 | $ 34.68 | $ (20.23) |
| real estate tax, county (Jun and Dec) | $ 1,210.40 | $ 100.87 | $ 46.55 | $ 605.20 | $ (504.33) |
| real estate tax, town (Dec) | $ 180.70 | $ 15.06 | $ 6.95 | $ 217.60 | $ (202.54) |
| UTILITIES 5-10% | |||||
| internet | $ 251.40 | $ 20.95 | $ 9.67 | $ - | $ 20.95 |
| phone- cell | $ 242.32 | $ 20.19 | $ 9.32 | $ - | $ 20.19 |
| phone- home | $ 189.12 | $ 15.76 | $ 7.27 | $ - | $ 15.76 |
| power | $ 2,089.62 | $ 174.14 | $ 80.37 | $ 141.64 | $ 32.50 |
| water& trash (odd months) | $ 1,298.96 | $ 108.25 | $ 49.96 | $ - | $ 108.25 |
| FOOD 5-15% | |||||
| groceries | $ 4,576.00 | $ 381.33 | $ 176.00 | $ 122.44 | $ 258.89 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 451.66 | $ 37.64 | $ 17.37 | $ - | $ 37.64 |
| gasoline- buick | $ 685.10 | $ 57.09 | $ 26.35 | $ 10.00 | $ 47.09 |
| gasoline- van | $ 923.53 | $ 76.96 | $ 35.52 | $ 32.19 | $ 44.77 |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 |
| repair, maintain, and replace | $ 224.38 | $ 18.70 | $ 8.63 | $ - | $ 18.70 |
| taxes, property- county (Dec) | $ 89.55 | $ 7.46 | $ 3.44 | $ 89.55 | $ (82.09) |
| taxes, property-town (Dec) | $ 84.86 | $ 7.07 | $ 3.26 | $ 81.44 | $ (74.37) |
| CLOTHING 2-7% | |||||
| me | $ 15.86 | $ 1.32 | $ 0.61 | $ - | $ 1.32 |
| kids | $ 40.04 | $ 3.34 | $ 1.54 | $ - | $ 3.34 |
| husband | $ 21.84 | $ 1.82 | $ 0.84 | $ - | $ 1.82 |
| MEDICAL 5-10% | |||||
| health care | $ 2,600.00 | $ 216.67 | $ 100.00 | $ 192.35 | $ 24.32 |
| health insurance | $ 5,994.30 | $ 499.53 | $230.55 | $ 230.55 | $ 268.98 |
| PERSONAL 5-10% | |||||
| Christmas | $ 15.34 | $ 1.28 | $ 0.59 | $ 79.28 | $ (78.00) |
| gifts | $ 10.40 | $ 0.87 | $ 0.40 | $ - | $ 0.87 |
| personal, me | $ 15.34 | $ 1.28 | $ 0.59 | $ - | $ 1.28 |
| personal, kids | $ 123.50 | $ 10.29 | $ 4.75 | $ 0.90 | $ 9.39 |
| personal, husband | $ 13.00 | $ 1.08 | $ 0.50 | $ 5.29 | $ (4.21) |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ 94.76 | $ (38.43) |
| work | $ 8.32 | $ 0.69 | $ 0.32 | $ 5.97 | $ (5.28) |
| RECREATION 5-10% | |||||
| entertainment | $ 17.16 | $ 1.43 | $ 0.66 | $ - | $ 1.43 |
| vacation | $ 74.88 | $ 6.24 | $ 2.88 | $ - | $ 6.24 |
| disney | $ 1,300.00 | $ 108.33 | $ 50.00 | $ - | $ 108.33 |
| DEBT 5-10% | |||||
| my student loans | $ 573.24 | $ 47.77 | $ 22.05 | $ - | $ 47.77 |
| husband's student loans | $ 7,052.16 | $ 587.68 | $ 271.24 | $ - | $ 587.68 |
| husband's student loans extra | $ 2,920.84 | $ 243.40 | $ 112.34 | $ 152.84 | $ 90.56 |
| NET SPENDING | $ 41,254.78 | $ 3,437.90 | $ 1,586.72 | $ 2,412.07 | $ 1,025.83 |
| DIFFERENCE | $ 26.98 | $ 2.25 | $ 1.04 | $ (584.89) |
Saturday, December 5, 2015
Budget update
| TOTAL INCOME | $ 43,992.00 | $ 3,666.00 | $ 1,692.00 | $ 45.00 | $ 3,621.00 |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 2,710.24 | $ 225.85 | $ 104.24 | $ - | $ 225.85 |
| NET INCOME | $ 41,281.76 | $ 3,440.15 | $ 1,587.76 | $ 45.00 | $ 3,395.15 |
| CHARITY 10-15% | |||||
| fast offering | $ 719.94 | $ 60.00 | $ 27.69 | $ - | $ 60.00 |
| tithing | $ 4,399.20 | $ 366.60 | $ 169.20 | $ 4.50 | $ 362.10 |
| SAVINGS 5-10% | |||||
| emergency fund | $ - | $ - | $ - | $ - | $ - |
| kids savings | $ 59.80 | $ 4.98 | $ 2.30 | $ 1.20 | $ 3.78 |
| retirement | $ 1,319.76 | $ 109.98 | $ 50.76 | $ - | $ 109.98 |
| HOUSING 25-35% | |||||
| dream home | $ 26.00 | $ 2.17 | $ 1.00 | $ - | $ 2.17 |
| homeowner's insurance (Jan) | $ 503.00 | $ 41.92 | $ 19.35 | $ - | $ 41.92 |
| Household improvement/ repair | $ 173.42 | $ 14.45 | $ 6.67 | $ - | $ 14.45 |
| real estate tax, county (Jun and Dec) | $ 1,210.40 | $ 100.87 | $ 46.55 | $ 605.20 | $ (504.33) |
| real estate tax, town (Dec) | $ 180.70 | $ 15.06 | $ 6.95 | $ 217.60 | $ (202.54) |
| UTILITIES 5-10% | |||||
| internet | $ 251.40 | $ 20.95 | $ 9.67 | $ - | $ 20.95 |
| phone- cell | $ 242.32 | $ 20.19 | $ 9.32 | $ - | $ 20.19 |
| phone- home | $ 189.12 | $ 15.76 | $ 7.27 | $ - | $ 15.76 |
| power | $ 2,089.62 | $ 174.14 | $ 80.37 | $ 141.64 | $ 32.50 |
| water& trash (odd months) | $ 1,298.96 | $ 108.25 | $ 49.96 | $ - | $ 108.25 |
| FOOD 5-15% | |||||
| groceries | $ 4,576.00 | $ 381.33 | $ 176.00 | $ 65.32 | $ 316.01 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 451.66 | $ 37.64 | $ 17.37 | $ - | $ 37.64 |
| gasoline- buick | $ 696.58 | $ 58.05 | $ 26.79 | $ - | $ 58.05 |
| gasoline- van | $ 939.01 | $ 78.25 | $ 36.12 | $ 32.19 | $ 46.06 |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 |
| repair, maintain, and replace | $ 224.38 | $ 18.70 | $ 8.63 | $ - | $ 18.70 |
| taxes, property- county (Dec) | $ 89.55 | $ 7.46 | $ 3.44 | $ 89.55 | $ (82.09) |
| taxes, property-town (Dec) | $ 84.86 | $ 7.07 | $ 3.26 | $ 81.44 | $ (74.37) |
| CLOTHING 2-7% | |||||
| me | $ 15.86 | $ 1.32 | $ 0.61 | $ - | $ 1.32 |
| kids | $ 40.04 | $ 3.34 | $ 1.54 | $ - | $ 3.34 |
| husband | $ 21.84 | $ 1.82 | $ 0.84 | $ - | $ 1.82 |
| MEDICAL 5-10% | |||||
| health care | $ 2,600.00 | $ 216.67 | $ 100.00 | $ 9.11 | $ 207.56 |
| health insurance | $ 5,994.30 | $ 499.53 | $230.55 | $ - | $ 499.53 |
| PERSONAL 5-10% | |||||
| Christmas | $ 15.34 | $ 1.28 | $ 0.59 | $ 17.94 | $ (16.66) |
| gifts | $ 10.40 | $ 0.87 | $ 0.40 | $ - | $ 0.87 |
| personal, me | $ 15.34 | $ 1.28 | $ 0.59 | $ - | $ 1.28 |
| personal, kids | $ 123.50 | $ 10.29 | $ 4.75 | $ 0.45 | $ 9.84 |
| personal, husband | $ 13.00 | $ 1.08 | $ 0.50 | $ 3.46 | $ (2.38) |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ 94.76 | $ (38.43) |
| work | $ 8.32 | $ 0.69 | $ 0.32 | $ - | $ 0.69 |
| RECREATION 5-10% | |||||
| entertainment | $ 17.16 | $ 1.43 | $ 0.66 | $ - | $ 1.43 |
| vacation | $ 74.88 | $ 6.24 | $ 2.88 | $ - | $ 6.24 |
| disney | $ 1,300.00 | $ 108.33 | $ 50.00 | $ - | $ 108.33 |
| DEBT 5-10% | |||||
| my student loans | $ 573.24 | $ 47.77 | $ 22.05 | $ - | $ 47.77 |
| husband's student loans | $ 7,052.16 | $ 587.68 | $ 271.24 | $ - | $ 587.68 |
| husband's student loans extra | $ 2,920.84 | $ 243.40 | $ 112.34 | $ 40.50 | $ 202.90 |
| NET SPENDING | $ 41,281.74 | $ 3,440.14 | $ 1,587.76 | $ 1,404.86 | $ 2,035.28 |
| DIFFERENCE | $ 0.02 | $ 0.00 | $ 0.00 | $(1,359.86) |
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