| 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 | $ 24.44 | $ (3.49) |
| 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 | $ 198.90 | $ 182.43 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 451.66 | $ 37.64 | $ 17.37 | $ - | $ 37.64 |
| gasoline- buick | $ 685.10 | $ 57.09 | $ 26.35 | $ 33.75 | $ 23.34 |
| gasoline- van | $ 923.53 | $ 76.96 | $ 35.52 | $ 61.88 | $ 15.08 |
| 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 | $ 118.88 | $ (117.60) |
| 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 | $ 36.78 | $ (36.09) |
| 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 | $ 3,272.27 | $ 165.63 |
| DIFFERENCE | $ 26.98 | $ 2.25 | $ 1.04 | $(1,445.09) |
Saturday, December 19, 2015
Budget update
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