Final numbers for August and September's challenge

September's challenge should be interesting for us, since we are planning a 1000+ mile trip this weekend, but it is time for the gas- savings challenge, and we will try to be extra thrifty, even with the trip and make sure our tires are inflated and everything is in good working order!  Maybe we can even make up for it the rest of the month, haha.  Maybe not, but we will do our best!

TOTAL INCOME	$   52,353.60	$ 4,362.80	$              2,013.60	$ 4,207.90	$      154.90
	Yearly total	Monthly	Average biweekly	Actual	Difference
INCOME TAX
taxes, work	$     3,341.78	$    278.48	$                 128.53	$    262.83	$        15.65
NET INCOME	$   49,011.82	$ 4,084.32	$              1,885.07	$ 3,945.07	$      139.25
CHARITY 10-15%
fast offering	$     1,056.00	$      88.00	$                   40.62	$      88.00	$             -
tithing	$     5,235.36	$    436.28	$                 201.36	$    420.79	$        15.49
SAVINGS 5-10%
emergency fund	$                -	$           -	$                         -	$           -	$             -
kids savings	$          93.08	$        7.76	$                     3.58	$        8.95	$        (1.19)
retirement	$     4,711.82	$    392.65	$                 181.22	$    369.24	$        23.41
HOUSING 25-35%
dream home	$        260.00	$      21.67	$                   10.00	$      25.00	$        (3.33)
homeowner's insurance (Jan)	$        518.00	$      43.17	$                   19.92	$           -	$        43.17
Household improvement/ repair	$        411.32	$      34.28	$                   15.82	$    237.26	$    (202.98)
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	$        236.86	$      19.74	$                     9.11	$      19.11	$          0.63
phone- home	$        189.12	$      15.76	$                     7.27	$      15.76	$             -
power	$     1,840.28	$    153.36	$                   70.78	$      97.25	$        56.11
water& trash	$     1,067.04	$      88.92	$                   41.04	$      89.99	$        (1.07)
FOOD 5-15%
groceries	$     4,576.00	$    381.33	$                 176.00	$    270.73	$      110.60
TRANSPORTATION 10-15%
car insurance (Jan and Jul)	$        410.30	$      34.19	$                   15.78	$           -	$        34.19
gasoline- buick	$        765.55	$      63.80	$                   29.44	$      54.24	$          9.56
gasoline- van	$     1,112.88	$      92.74	$                   42.80	$    113.49	$      (20.75)
registration, buick	$          39.42	$        3.28	$                     1.52	$           -	$          3.28
registration, van	$          44.42	$        3.70	$                     1.71	$           -	$          3.70
repair & maintain	$     1,703.00	$    141.92	$                   65.50	$           -	$      141.92
replace	$     1,040.00	$      86.67	$                   40.00	$           -	$        86.67
taxes, property- county (Dec)	$          89.55	$        7.46	$                     3.44	$           -	$          7.46
taxes, property-town (Dec)	$          81.44	$        6.79	$                     3.13	$           -	$          6.79
CLOTHING 2-7%
me	$        130.00	$      10.83	$                     5.00	$      12.43	$        (1.60)
kids	$        234.00	$      19.50	$                     9.00	$        7.34	$        12.16
husband	$        130.00	$      10.83	$                     5.00	$      45.13	$      (34.30)
MEDICAL 5-10%
health care	$     4,160.00	$    346.67	$                 160.00	$    168.53	$      178.14
health insurance	$     4,564.82	$    380.40	$175.57	$    351.14	$        29.26
PERSONAL 5-10%
Christmas	$        286.00	$      23.83	$                   11.00	$           -	$        23.83
gifts	$        130.00	$      10.83	$                     5.00	$           -	$        10.83
personal, me	$          78.00	$        6.50	$                     3.00	$        5.00	$          1.50
personal, kids	$     1,040.00	$      86.67	$                   40.00	$    162.70	$      (76.03)
personal, husband	$          78.00	$        6.50	$                     3.00	$        5.75	$          0.75
pets	$        676.00	$      56.33	$                   26.00	$      60.00	$        (3.67)
work	$                -	$           -	$                         -	$    391.07	$    (391.07)
RECREATION 5-10%
entertainment	$        260.00	$      21.67	$                   10.00	$      48.30	$      (26.63)
vacation	$        500.50	$      41.71	$                   19.25	$      71.38	$      (29.67)
disney	$     1,300.00	$    108.33	$                   50.00	$    125.00	$      (16.67)
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	$        411.32	$      34.28	$                   15.82	$    161.90	$    (127.62)
NET SPENDING	$   42,991.11	$ 3,582.59	$              1,885.07	$ 3,113.02	$      469.57
DIFFERENCE: NET INCOME/SPENDING	$     6,020.71	$    501.73	$                   (0.00)	$    832.05	$    (330.32)