Friday, December 1, 2017
December's challenge
We've been doing pretty terribly at our monthly challenges. There's really no excuse for it, even though I could justify myself away for everything. I'm going to renew our commitment for December and really try to work on saving gas in whatever ways we can!
November's final numbers
| TOTAL INCOME | $ 54,184.00 | $ 4,515.33 | $ 2,084.00 | $ 4,728.47 | $ (213.14) |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 4,354.48 | $ 362.87 | $ 167.48 | $ 284.50 | $ 78.37 |
| NET INCOME | $ 49,829.52 | $ 4,152.46 | $ 1,916.52 | $ 4,443.97 | $ (291.51) |
| CHARITY 10-15% | |||||
| fast offering | $ 1,056.00 | $ 88.00 | $ 40.62 | $ - | $ 88.00 |
| tithing | $ 5,418.40 | $ 451.53 | $ 208.40 | $ 246.22 | $ 205.31 |
| SAVINGS 5-10% | |||||
| emergency fund | $ - | $ - | $ - | $ - | $ - |
| kids savings | $ 134.68 | $ 11.22 | $ 5.18 | $ 10.36 | $ 0.86 |
| retirement | $ 5,960.24 | $ 496.69 | $ 229.24 | $ 499.31 | $ (2.62) |
| HOUSING 25-35% | |||||
| dream home | $ 260.00 | $ 21.67 | $ 10.00 | $ 20.00 | $ 1.67 |
| homeowner's insurance (Jan) | $ 525.00 | $ 43.75 | $ 20.19 | $ - | $ 43.75 |
| Household improvement/ repair | $ 178.88 | $ 14.91 | $ 6.88 | $ 189.73 | $ (174.82) |
| 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 | $ 883.32 | $ 73.61 | $ 33.97 | $ 73.61 | $ - |
| power | $ 1,524.38 | $ 127.03 | $ 58.63 | $ 91.19 | $ 35.84 |
| water& trash | $ 999.96 | $ 83.33 | $ 38.46 | $ 97.31 | $ (13.98) |
| FOOD 5-15% | |||||
| groceries | $ 4,576.00 | $ 381.33 | $ 176.00 | $ 414.50 | $ (33.17) |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 331.90 | $ 27.66 | $ 12.77 | $ - | $ 27.66 |
| gasoline- buick | $ 927.68 | $ 77.31 | $ 35.68 | $ 28.06 | $ 49.25 |
| gasoline- van | $ 1,401.75 | $ 116.81 | $ 53.91 | $ 34.10 | $ 82.71 |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 |
| repair & maintain | $ 357.76 | $ 29.81 | $ 13.76 | $ 262.04 | $ (232.23) |
| replace | $ 732.94 | $ 61.08 | $ 28.19 | $ - | $ 61.08 |
| 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 | $ 6.50 | $ 0.54 | $ 0.25 | $ - | $ 0.54 |
| kids | $ 31.98 | $ 2.67 | $ 1.23 | $ 18.92 | $ (16.26) |
| husband | $ 58.76 | $ 4.90 | $ 2.26 | $ - | $ 4.90 |
| MEDICAL 5-10% | |||||
| health care | $ 5,821.40 | $ 485.12 | $ 223.90 | $ 158.89 | $ 326.23 |
| health insurance- med, dent, vis | $ 4,927.78 | $ 410.65 | $189.53 | $ 379.06 | $ 31.59 |
| PERSONAL 5-10% | |||||
| Christmas | $ 60.58 | $ 5.05 | $ 2.33 | $ 38.00 | $ (32.95) |
| gifts | $ 25.48 | $ 2.12 | $ 0.98 | $ 10.40 | $ (8.28) |
| personal, me | $ 28.08 | $ 2.34 | $ 1.08 | $ - | $ 2.34 |
| personal, kids | $ 112.32 | $ 9.36 | $ 4.32 | $ 7.92 | $ 1.44 |
| personal, husband | $ 28.08 | $ 2.34 | $ 1.08 | $ - | $ 2.34 |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ - | $ 56.33 |
| work | $ 166.14 | $ 13.85 | $ 6.39 | $(2,167.81) | $ 2,181.66 |
| RECREATION 5-10% | $ - | $ - | |||
| entertainment | $ 82.94 | $ 6.91 | $ 3.19 | $ - | $ 6.91 |
| vacation | $ 80.34 | $ 6.70 | $ 3.09 | $ - | $ 6.70 |
| disney | $ 1,300.00 | $ 108.33 | $ 50.00 | $ 75.00 | $ 33.33 |
| DEBT 5-10% | |||||
| husband's student loans | $ 7,052.16 | $ 587.68 | $ 271.24 | $ - | $ 587.68 |
| husband's student loans extra | $ 1,953.64 | $ 162.80 | $ 75.14 | $ - | $ 162.80 |
| NET SPENDING | $ 49,829.60 | $ 4,152.47 | $ 1,916.52 | $ 525.26 | $ 3,627.21 |
| DIFFERENCE: NET INCOME/SPENDING | $ (0.08) | $ (0.01) | $ (0.00) | $ 3,918.71 |
Thursday, November 23, 2017
Budget update
| TOTAL INCOME | $ 54,184.00 | $ 4,515.33 | $ 2,084.00 | $ 4,728.47 | $ (213.14) |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 4,354.48 | $ 362.87 | $ 167.48 | $ 284.50 | $ 78.37 |
| NET INCOME | $ 49,829.52 | $ 4,152.46 | $ 1,916.52 | $ 4,443.97 | $ (291.51) |
| CHARITY 10-15% | |||||
| fast offering | $ 1,056.00 | $ 88.00 | $ 40.62 | $ - | $ 88.00 |
| tithing | $ 5,418.40 | $ 451.53 | $ 208.40 | $ 246.22 | $ 205.31 |
| SAVINGS 5-10% | |||||
| emergency fund | $ - | $ - | $ - | $ - | $ - |
| kids savings | $ 134.68 | $ 11.22 | $ 5.18 | $ 7.77 | $ 3.45 |
| retirement | $ 5,960.24 | $ 496.69 | $ 229.24 | $ 499.31 | $ (2.62) |
| HOUSING 25-35% | |||||
| dream home | $ 260.00 | $ 21.67 | $ 10.00 | $ 15.00 | $ 6.67 |
| homeowner's insurance (Jan) | $ 525.00 | $ 43.75 | $ 20.19 | $ - | $ 43.75 |
| Household improvement/ repair | $ 178.88 | $ 14.91 | $ 6.88 | $ 189.73 | $ (174.82) |
| 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 | $ 883.32 | $ 73.61 | $ 33.97 | $ 73.61 | $ - |
| power | $ 1,524.38 | $ 127.03 | $ 58.63 | $ 91.19 | $ 35.84 |
| water& trash | $ 999.96 | $ 83.33 | $ 38.46 | $ - | $ 83.33 |
| FOOD 5-15% | |||||
| groceries | $ 4,576.00 | $ 381.33 | $ 176.00 | $ 329.09 | $ 52.24 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 331.90 | $ 27.66 | $ 12.77 | $ - | $ 27.66 |
| gasoline- buick | $ 927.68 | $ 77.31 | $ 35.68 | $ 28.06 | $ 49.25 |
| gasoline- van | $ 1,401.75 | $ 116.81 | $ 53.91 | $ 34.10 | $ 82.71 |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 |
| repair & maintain | $ 357.76 | $ 29.81 | $ 13.76 | $ 262.04 | $ (232.23) |
| replace | $ 732.94 | $ 61.08 | $ 28.19 | $ - | $ 61.08 |
| 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 | $ 6.50 | $ 0.54 | $ 0.25 | $ - | $ 0.54 |
| kids | $ 31.98 | $ 2.67 | $ 1.23 | $ 18.92 | $ (16.26) |
| husband | $ 58.76 | $ 4.90 | $ 2.26 | $ - | $ 4.90 |
| MEDICAL 5-10% | |||||
| health care | $ 5,821.40 | $ 485.12 | $ 223.90 | $ 158.89 | $ 326.23 |
| health insurance- med, dent, vis | $ 4,927.78 | $ 410.65 | $189.53 | $ 379.06 | $ 31.59 |
| PERSONAL 5-10% | |||||
| Christmas | $ 60.58 | $ 5.05 | $ 2.33 | $ 38.00 | $ (32.95) |
| gifts | $ 25.48 | $ 2.12 | $ 0.98 | $ 10.40 | $ (8.28) |
| personal, me | $ 28.08 | $ 2.34 | $ 1.08 | $ - | $ 2.34 |
| personal, kids | $ 112.32 | $ 9.36 | $ 4.32 | $ 7.92 | $ 1.44 |
| personal, husband | $ 28.08 | $ 2.34 | $ 1.08 | $ - | $ 2.34 |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ - | $ 56.33 |
| work | $ 166.14 | $ 13.85 | $ 6.39 | $(2,167.81) | $ 2,181.66 |
| RECREATION 5-10% | $ - | $ - | |||
| entertainment | $ 82.94 | $ 6.91 | $ 3.19 | $ - | $ 6.91 |
| vacation | $ 80.34 | $ 6.70 | $ 3.09 | $ - | $ 6.70 |
| disney | $ 1,300.00 | $ 108.33 | $ 50.00 | $ 75.00 | $ 33.33 |
| DEBT 5-10% | |||||
| husband's student loans | $ 7,052.16 | $ 587.68 | $ 271.24 | $ - | $ 587.68 |
| husband's student loans extra | $ 1,953.64 | $ 162.80 | $ 75.14 | $ - | $ 162.80 |
| NET SPENDING | $ 49,829.60 | $ 4,152.47 | $ 1,916.52 | $ 334.95 | $ 3,817.52 |
| DIFFERENCE: NET INCOME/SPENDING | $ (0.08) | $ (0.01) | $ (0.00) | $ 4,109.02 |
Thursday, November 16, 2017
Budget update
| TOTAL INCOME | $ 54,184.00 | $ 4,515.33 | $ 2,084.00 | $ 2,462.12 | $ 2,053.21 |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 4,354.48 | $ 362.87 | $ 167.48 | $ 142.50 | $ 220.37 |
| NET INCOME | $ 49,829.52 | $ 4,152.46 | $ 1,916.52 | $ 2,319.62 | $ 1,832.84 |
| CHARITY 10-15% | |||||
| fast offering | $ 1,056.00 | $ 88.00 | $ 40.62 | $ - | $ 88.00 |
| tithing | $ 5,418.40 | $ 451.53 | $ 208.40 | $ 246.22 | $ 205.31 |
| SAVINGS 5-10% | |||||
| emergency fund | $ - | $ - | $ - | $ - | $ - |
| kids savings | $ 134.68 | $ 11.22 | $ 5.18 | $ 7.77 | $ 3.45 |
| retirement | $ 5,960.24 | $ 496.69 | $ 229.24 | $ 250.01 | $ 246.68 |
| HOUSING 25-35% | |||||
| dream home | $ 260.00 | $ 21.67 | $ 10.00 | $ 10.00 | $ 11.67 |
| homeowner's insurance (Jan) | $ 525.00 | $ 43.75 | $ 20.19 | $ - | $ 43.75 |
| Household improvement/ repair | $ 178.88 | $ 14.91 | $ 6.88 | $ 58.56 | $ (43.65) |
| 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 | $ 883.32 | $ 73.61 | $ 33.97 | $ - | $ 73.61 |
| power | $ 1,524.38 | $ 127.03 | $ 58.63 | $ 91.19 | $ 35.84 |
| water& trash | $ 999.96 | $ 83.33 | $ 38.46 | $ - | $ 83.33 |
| FOOD 5-15% | |||||
| groceries | $ 4,576.00 | $ 381.33 | $ 176.00 | $ 170.35 | $ 210.98 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 331.90 | $ 27.66 | $ 12.77 | $ - | $ 27.66 |
| gasoline- buick | $ 927.68 | $ 77.31 | $ 35.68 | $ 28.06 | $ 49.25 |
| gasoline- van | $ 1,401.75 | $ 116.81 | $ 53.91 | $ 34.10 | $ 82.71 |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 |
| repair & maintain | $ 357.76 | $ 29.81 | $ 13.76 | $ 262.04 | $ (232.23) |
| replace | $ 732.94 | $ 61.08 | $ 28.19 | $ - | $ 61.08 |
| 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 | $ 6.50 | $ 0.54 | $ 0.25 | $ - | $ 0.54 |
| kids | $ 31.98 | $ 2.67 | $ 1.23 | $ 18.92 | $ (16.26) |
| husband | $ 58.76 | $ 4.90 | $ 2.26 | $ - | $ 4.90 |
| MEDICAL 5-10% | |||||
| health care | $ 5,821.40 | $ 485.12 | $ 223.90 | $ 89.00 | $ 396.12 |
| health insurance- med, dent, vis | $ 4,927.78 | $ 410.65 | $189.53 | $ 189.53 | $ 221.12 |
| PERSONAL 5-10% | |||||
| Christmas | $ 60.58 | $ 5.05 | $ 2.33 | $ - | $ 5.05 |
| gifts | $ 25.48 | $ 2.12 | $ 0.98 | $ 10.40 | $ (8.28) |
| personal, me | $ 28.08 | $ 2.34 | $ 1.08 | $ - | $ 2.34 |
| personal, kids | $ 112.32 | $ 9.36 | $ 4.32 | $ 2.34 | $ 7.02 |
| personal, husband | $ 28.08 | $ 2.34 | $ 1.08 | $ - | $ 2.34 |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ - | $ 56.33 |
| work | $ 166.14 | $ 13.85 | $ 6.39 | $ 18.45 | $ (4.61) |
| RECREATION 5-10% | $ - | $ - | |||
| entertainment | $ 82.94 | $ 6.91 | $ 3.19 | $ - | $ 6.91 |
| vacation | $ 80.34 | $ 6.70 | $ 3.09 | $ - | $ 6.70 |
| 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 | $ 1,953.64 | $ 162.80 | $ 75.14 | $ - | $ 162.80 |
| NET SPENDING | $ 49,829.60 | $ 4,152.47 | $ 1,916.52 | $ 1,536.94 | $ 2,615.53 |
| DIFFERENCE: NET INCOME/SPENDING | $ (0.08) | $ (0.01) | $ (0.00) | $ 782.68 |
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