Thursday, August 23, 2018

Budget update

TOTAL INCOME  $  58,094.40  $ 4,841.20  $              2,234.40  $ 4,790.21  $       50.99
 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX
taxes, work  $    5,044.52  $    420.38  $                 194.02  $    294.75  $     125.63
NET INCOME  $  53,049.88  $ 4,420.82  $              2,040.38  $ 4,495.46  $     (74.64)
CHARITY 10-15%
fast offering  $    1,140.00  $      95.00  $                   43.85  $      95.00  $             -  
tithing  $    5,809.44  $    484.12  $                 223.44  $    479.03  $         5.09
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  $    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  $       243.36  $      20.28  $                     9.36  $           -    $       20.28
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  $       981.24  $      81.77  $                   37.74  $      76.53  $         5.24
power  $    1,836.12  $    153.01  $                   70.62  $    120.11  $       32.90
water& trash  $    1,251.64  $    104.30  $                   48.14  $           -    $     104.30
FOOD 5-15%
groceries  $    4,940.00  $    411.67  $                 190.00  $    339.14  $       72.53
TRANSPORTATION 10-15%
car insurance (Jan and Jul)  $       342.32  $      28.53  $                   13.17  $           -    $       28.53
gasoline- buick and van  $    2,537.45  $    211.45  $                   97.59  $    131.27  $       80.18
registration, buick  $         39.42  $        3.28  $                     1.52  $           -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $           -    $         3.70
repair & maintain  $       207.48  $      17.29  $                     7.98  $           -    $       17.29
replace  $       410.54  $      34.21  $                   15.79  $           -    $       34.21
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  $         12.22  $        1.02  $                     0.47  $           -    $         1.02
kids  $         13.26  $        1.11  $                     0.51  $    111.96  $   (110.86)
husband  $         12.22  $        1.02  $                     0.47  $           -    $         1.02
MEDICAL 5-10%
health care  $    6,150.00  $    512.50  $                 236.54  $    257.76  $     254.74
health insurance- med, dent, vis, disability  $    4,927.78  $    410.65 $189.53  $    379.06  $       31.59
PERSONAL 5-10%
Christmas  $              -    $           -    $                         -    $      73.69  $     (73.69)
gifts  $         14.30  $        1.19  $                     0.55  $           -    $         1.19
life insurance  $       110.00  $        9.17  $                     4.23  $           -    $         9.17
personal, me  $         16.38  $        1.37  $                     0.63  $           -    $         1.37
personal, kids  $         65.78  $        5.48  $                     2.53  $      15.80  $     (10.32)
personal, husband  $         16.38  $        1.37  $                     0.63  $        5.91  $       (4.55)
pets  $       676.00  $      56.33  $                   26.00  $           -    $       56.33
work  $              -    $           -    $                         -    $  (197.97)  $     197.97
RECREATION 5-10%
entertainment  $         43.94  $        3.66  $                     1.69  $      24.79  $     (21.13)
vacation  $         24.70  $        2.06  $                     0.95  $           -    $         2.06
RV trip  $    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  $    2,820.00  $    235.00  $                 108.46  $    235.00  $             -  
NET SPENDING  $  53,050.00  $ 4,420.83  $              2,040.38  $ 3,320.52  $  1,091.15
 DIFFERENCE: NET INCOME/SPENDING   $         (0.12)  $      (0.01)  $                   (0.00)  $ 1,174.94

Friday, August 17, 2018

Budget update

TOTAL INCOME  $  58,094.40  $ 4,841.20  $              2,234.40  $ 4,790.21  $       50.99
 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX
taxes, work  $    5,044.52  $    420.38  $                 194.02  $    294.75  $     125.63
NET INCOME  $  53,049.88  $ 4,420.82  $              2,040.38  $ 4,495.46  $     (74.64)
CHARITY 10-15%
fast offering  $    1,140.00  $      95.00  $                   43.85  $      95.00  $             -  
tithing  $    5,809.44  $    484.12  $                 223.44  $    479.03  $         5.09
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  $    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  $       243.36  $      20.28  $                     9.36  $           -    $       20.28
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  $       981.24  $      81.77  $                   37.74  $      76.53  $         5.24
power  $    1,836.12  $    153.01  $                   70.62  $    120.11  $       32.90
water& trash  $    1,251.64  $    104.30  $                   48.14  $           -    $     104.30
FOOD 5-15%
groceries  $    4,940.00  $    411.67  $                 190.00  $    253.24  $     158.43
TRANSPORTATION 10-15%
car insurance (Jan and Jul)  $       342.32  $      28.53  $                   13.17  $           -    $       28.53
gasoline- buick and van  $    2,537.45  $    211.45  $                   97.59  $    131.27  $       80.18
registration, buick  $         39.42  $        3.28  $                     1.52  $           -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $           -    $         3.70
repair & maintain  $       207.48  $      17.29  $                     7.98  $           -    $       17.29
replace  $       410.54  $      34.21  $                   15.79  $           -    $       34.21
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  $         12.22  $        1.02  $                     0.47  $           -    $         1.02
kids  $         13.26  $        1.11  $                     0.51  $    111.96  $   (110.86)
husband  $         12.22  $        1.02  $                     0.47  $           -    $         1.02
MEDICAL 5-10%
health care  $    6,150.00  $    512.50  $                 236.54  $    197.76  $     314.74
health insurance- med, dent, vis, disability  $    4,927.78  $    410.65 $189.53  $    379.06  $       31.59
PERSONAL 5-10%
Christmas  $              -    $           -    $                         -    $      73.69  $     (73.69)
gifts  $         14.30  $        1.19  $                     0.55  $           -    $         1.19
life insurance  $       110.00  $        9.17  $                     4.23  $           -    $         9.17
personal, me  $         16.38  $        1.37  $                     0.63  $           -    $         1.37
personal, kids  $         65.78  $        5.48  $                     2.53  $      15.80  $     (10.32)
personal, husband  $         16.38  $        1.37  $                     0.63  $        5.91  $       (4.55)
pets  $       676.00  $      56.33  $                   26.00  $           -    $       56.33
work  $              -    $           -    $                         -    $  (197.97)  $     197.97
RECREATION 5-10%
entertainment  $         43.94  $        3.66  $                     1.69  $      24.79  $     (21.13)
vacation  $         24.70  $        2.06  $                     0.95  $           -    $         2.06
RV trip  $    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  $    2,820.00  $    235.00  $                 108.46  $    235.00  $             -  
NET SPENDING  $  53,050.00  $ 4,420.83  $              2,040.38  $ 3,174.62  $  1,237.05
 DIFFERENCE: NET INCOME/SPENDING   $         (0.12)  $      (0.01)  $                   (0.00)  $ 1,320.84

Thursday, August 9, 2018

Budget update

TOTAL INCOME  $  58,094.40  $ 4,841.20  $              2,234.40  $ 2,446.93  $  2,394.27
 Yearly total   Monthly   Average biweekly   Actual   Difference 
INCOME TAX
taxes, work  $    5,044.52  $    420.38  $                 194.02  $    152.18  $     268.20
NET INCOME  $  53,049.88  $ 4,420.82  $              2,040.38  $ 2,294.75  $  2,126.07
CHARITY 10-15%
fast offering  $    1,140.00  $      95.00  $                   43.85  $      95.00  $             -  
tithing  $    5,809.44  $    484.12  $                 223.44  $    244.70  $     239.42
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  $       243.36  $      20.28  $                     9.36  $           -    $       20.28
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  $       981.24  $      81.77  $                   37.74  $           -    $       81.77
power  $    1,836.12  $    153.01  $                   70.62  $    120.11  $       32.90
water& trash  $    1,251.64  $    104.30  $                   48.14  $           -    $     104.30
FOOD 5-15%
groceries  $    4,940.00  $    411.67  $                 190.00  $    162.24  $     249.43
TRANSPORTATION 10-15%
car insurance (Jan and Jul)  $       342.32  $      28.53  $                   13.17  $           -    $       28.53
gasoline- buick and van  $    2,537.45  $    211.45  $                   97.59  $      62.64  $     148.81
registration, buick  $         39.42  $        3.28  $                     1.52  $           -    $         3.28
registration, van  $         44.42  $        3.70  $                     1.71  $           -    $         3.70
repair & maintain  $       207.48  $      17.29  $                     7.98  $           -    $       17.29
replace  $       410.54  $      34.21  $                   15.79  $           -    $       34.21
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  $         12.22  $        1.02  $                     0.47  $           -    $         1.02
kids  $         13.26  $        1.11  $                     0.51  $    111.96  $   (110.86)
husband  $         12.22  $        1.02  $                     0.47  $           -    $         1.02
MEDICAL 5-10%
health care  $    6,150.00  $    512.50  $                 236.54  $      77.79  $     434.71
health insurance- med, dent, vis, disability  $    4,927.78  $    410.65 $189.53  $    189.53  $     221.12
PERSONAL 5-10%
Christmas  $              -    $           -    $                         -    $           -    $             -  
gifts  $         14.30  $        1.19  $                     0.55  $           -    $         1.19
life insurance  $       110.00  $        9.17  $                     4.23  $           -    $         9.17
personal, me  $         16.38  $        1.37  $                     0.63  $           -    $         1.37
personal, kids  $         65.78  $        5.48  $                     2.53  $        0.90  $         4.58
personal, husband  $         16.38  $        1.37  $                     0.63  $           -    $         1.37
pets  $       676.00  $      56.33  $                   26.00  $           -    $       56.33
work  $              -    $           -    $                         -    $  (248.13)  $     248.13
RECREATION 5-10%
entertainment  $         43.94  $        3.66  $                     1.69  $           -    $         3.66
vacation  $         24.70  $        2.06  $                     0.95  $           -    $         2.06
RV trip  $    1,300.00  $    108.33  $                   50.00  $      25.00  $       83.33
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  $  53,050.00  $ 4,420.83  $              2,040.38  $ 1,099.62  $  3,312.05
 DIFFERENCE: NET INCOME/SPENDING   $         (0.12)  $      (0.01)  $                   (0.00)  $ 1,195.13

Thursday, August 2, 2018

Budget update- July final numbers

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  $      14.40  $       (1.92)
IRA  $    6,500.00  $    541.67  $                 250.00  $    500.00  $       41.67
investments  $              -    $           -    $           -    $             -  
HOUSING 25-35%
dream home  $       260.00  $      21.67  $                   10.00  $    566.57  $   (544.90)
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  $    368.32  $       43.35
TRANSPORTATION 10-15%
car insurance (Jan and Jul)  $       342.32  $      28.53  $                   13.17  $    171.16  $   (142.63)
gasoline- buick and van  $    2,558.34  $    213.19  $                   98.40  $    224.96  $     (11.77)
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  $    465.82  $       46.68
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  $    124.60  $   (119.53)
personal, husband  $         15.08  $        1.26  $                     0.58  $        7.35  $       (6.09)
pets  $       676.00  $      56.33  $                   26.00  $        2.07  $       54.26
work  $              -    $           -    $                         -    $    156.60  $   (156.60)
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  $    200.00  $     (91.67)
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  $  52,993.40  $ 4,416.12  $              2,038.21  $ 4,952.62  $   (545.67)
 DIFFERENCE: NET INCOME/SPENDING   $         56.48  $        4.71  $                     2.17  $  (409.83)