| TOTAL INCOME | $ 43,992.00 | $ 3,666.00 | $ 1,692.00 | $ 3,611.77 | $ 54.23 |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 2,710.24 | $ 225.85 | $ 104.24 | $ 219.39 | $ 6.46 |
| NET INCOME | $ 41,281.76 | $ 3,440.15 | $ 1,587.76 | $ 3,392.38 | $ 47.77 |
| CHARITY 10-15% | |||||
| fast offering | $ 719.94 | $ 60.00 | $ 27.69 | $ 60.00 | $ (0.00) |
| tithing | $ 4,399.20 | $ 366.60 | $ 169.20 | $ 361.18 | $ 5.42 |
| SAVINGS 5-10% | |||||
| emergency fund | $ - | $ - | $ - | $ - | $ - |
| kids savings | $ 57.20 | $ 4.77 | $ 2.20 | $ 2.20 | $ 2.57 |
| retirement | $ 1,319.76 | $ 109.98 | $ 50.76 | $ 105.80 | $ 4.18 |
| HOUSING 25-35% | |||||
| dream home | $ - | $ - | $ - | $ 16.52 | $ (16.52) |
| homeowner's insurance (Jan) | $ 503.00 | $ 41.92 | $ 19.35 | $ - | $ 41.92 |
| Household improvement/ repair | $ 139.88 | $ 11.66 | $ 5.38 | $ 190.85 | $ (179.19) |
| real estate tax, county (Jun and Dec) | $ 1,210.40 | $ 100.87 | $ 46.55 | $ - | $ 100.87 |
| real estate tax, town (Dec) | $ 180.70 | $ 15.06 | $ 6.95 | $ - | $ 15.06 |
| UTILITIES 5-10% | |||||
| internet | $ 251.40 | $ 20.95 | $ 9.67 | $ - | $ 20.95 |
| phone- cell | $ 251.68 | $ 20.97 | $ 9.68 | $ 11.28 | $ 9.69 |
| phone- home | $ 189.12 | $ 15.76 | $ 7.27 | $ - | $ 15.76 |
| power | $ 2,174.90 | $ 181.24 | $ 83.65 | $ 116.37 | $ 64.87 |
| water& trash (odd months) | $ 1,288.56 | $ 107.38 | $ 49.56 | $ - | $ 107.38 |
| FOOD 5-15% | |||||
| groceries | $ 4,212.00 | $ 351.00 | $ 162.00 | $ 230.08 | $ 120.92 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 451.66 | $ 37.64 | $ 17.37 | $ - | $ 37.64 |
| gasoline- buick | $ 767.42 | $ 63.95 | $ 29.52 | $ 21.93 | $ 42.02 |
| gasoline- van | $ 973.54 | $ 81.13 | $ 37.44 | $ 32.14 | $ 48.99 |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 |
| repair, maintain, and replace | $ 218.92 | $ 18.24 | $ 8.42 | $ - | $ 18.24 |
| taxes, property- county (Dec) | $ 107.26 | $ 8.94 | $ 4.13 | $ - | $ 8.94 |
| taxes, property-town (Dec) | $ 84.86 | $ 7.07 | $ 3.26 | $ - | $ 7.07 |
| CLOTHING 2-7% | |||||
| me | $ 14.30 | $ 1.19 | $ 0.55 | $ - | $ 1.19 |
| kids | $ 34.06 | $ 2.84 | $ 1.31 | $ - | $ 2.84 |
| husband | $ 23.40 | $ 1.95 | $ 0.90 | $ - | $ 1.95 |
| MEDICAL 5-10% | |||||
| health care | $ 2,600.00 | $ 216.67 | $ 100.00 | $ 426.51 | $ (209.84) |
| health insurance | $ 5,994.30 | $ 499.53 | $230.55 | $ 461.10 | $ 38.42 |
| PERSONAL 5-10% | |||||
| Christmas | $ 16.12 | $ 1.34 | $ 0.62 | $ - | $ 1.34 |
| gifts | $ 8.06 | $ 0.67 | $ 0.31 | $ - | $ 0.67 |
| personal, me | $ 15.34 | $ 1.28 | $ 0.59 | $ 7.02 | $ (5.74) |
| personal, kids | $ 149.76 | $ 12.48 | $ 5.76 | $ 0.70 | $ 11.78 |
| personal, husband | $ 173.68 | $ 14.47 | $ 6.68 | $ - | $ 14.47 |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ 41.29 | $ 15.04 |
| work | $ 0.78 | $ 0.07 | $ 0.03 | $ 163.37 | $ (163.31) |
| RECREATION 5-10% | |||||
| entertainment | $ 15.34 | $ 1.28 | $ 0.59 | $ - | $ 1.28 |
| vacation | $ 87.10 | $ 7.26 | $ 3.35 | $ - | $ 7.26 |
| disney | $ 1,300.00 | $ 108.33 | $ 50.00 | $ 50.00 | $ 58.33 |
| DEBT 5-10% | |||||
| my student loans | $ 573.24 | $ 47.77 | $ 22.05 | $ 47.77 | $ - |
| husband's student loans | $ 896.04 | $ 74.67 | $ 34.46 | $ 74.67 | $ - |
| husband's student loans extra | $ 9,076.86 | $ 756.41 | $ 349.11 | $ 774.72 | $ (18.31) |
| NET SPENDING | $ 41,239.61 | $ 3,436.63 | $ 1,586.14 | $ 3,195.50 | $ 241.13 |
| DIFFERENCE | $ 42.15 | $ 3.51 | $ 1.62 | $ 196.88 |
Saturday, October 17, 2015
Budget update
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