| TOTAL INCOME | $ 52,353.60 | $ 4,362.80 | $ 2,013.60 | $ 2,046.60 | $ 2,316.20 |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 3,341.78 | $ 278.48 | $ 128.53 | $ 128.52 | $ 149.96 |
| NET INCOME | $ 49,011.82 | $ 4,084.32 | $ 1,885.07 | $ 1,918.08 | $ 2,166.24 |
| CHARITY 10-15% | |||||
| fast offering | $ 1,056.00 | $ 88.00 | $ 40.62 | $ - | $ 88.00 |
| tithing | $ 5,235.36 | $ 436.28 | $ 201.36 | $ 204.66 | $ 231.62 |
| SAVINGS 5-10% | |||||
| emergency fund | $ - | $ - | $ - | $ - | $ - |
| kids savings | $ 100.88 | $ 8.41 | $ 3.88 | $ 1.94 | $ 6.47 |
| retirement | $ 4,711.82 | $ 392.65 | $ 181.22 | $ 181.22 | $ 211.43 |
| HOUSING 25-35% | |||||
| dream home | $ 260.00 | $ 21.67 | $ 10.00 | $ 5.00 | $ 16.67 |
| homeowner's insurance (Jan) | $ 518.00 | $ 43.17 | $ 19.92 | $ - | $ 43.17 |
| Household improvement/ repair | $ 962.00 | $ 80.17 | $ 37.00 | $ 35.89 | $ 44.28 |
| appliance replace | $ 214.50 | $ 17.88 | $ 8.25 | $ - | $ 17.88 |
| real estate tax, county (Jun and Dec) | $ 1,060.00 | $ 88.33 | $ 40.77 | $ 454.78 | $ (366.45) |
| real estate tax, town (Dec) | $ 190.56 | $ 15.88 | $ 7.33 | $ 118.54 | $ (102.66) |
| UTILITIES 5-10% | |||||
| internet | $ 461.40 | $ 38.45 | $ 17.75 | $ - | $ 38.45 |
| phone- cell | $ 228.80 | $ 19.07 | $ 8.80 | $ - | $ 19.07 |
| phone- home | $ 189.12 | $ 15.76 | $ 7.27 | $ - | $ 15.76 |
| power | $ 1,787.24 | $ 148.94 | $ 68.74 | $ 94.40 | $ 54.54 |
| water& trash | $ 1,091.48 | $ 90.96 | $ 41.98 | $ 88.39 | $ 2.57 |
| FOOD 5-15% | |||||
| groceries | $ 4,576.00 | $ 381.33 | $ 176.00 | $ 72.79 | $ 308.54 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 410.30 | $ 34.19 | $ 15.78 | $ - | $ 34.19 |
| gasoline- buick | $ 740.70 | $ 61.72 | $ 28.49 | $ 10.00 | $ 51.72 |
| gasoline- van | $ 1,427.42 | $ 118.95 | $ 54.90 | $ 34.38 | $ 84.57 |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 |
| repair & maintain | $ 1,430.00 | $ 119.17 | $ 55.00 | $ - | $ 119.17 |
| replace | $ 910.00 | $ 75.83 | $ 35.00 | $ - | $ 75.83 |
| taxes, property- county (Dec) | $ 72.41 | $ 6.03 | $ 2.79 | $ 72.41 | $ (66.38) |
| taxes, property-town (Dec) | $ 77.45 | $ 6.45 | $ 2.98 | $ 77.45 | $ (71.00) |
| CLOTHING 2-7% | |||||
| me | $ 52.00 | $ 4.33 | $ 2.00 | $ - | $ 4.33 |
| kids | $ 156.00 | $ 13.00 | $ 6.00 | $ - | $ 13.00 |
| husband | $ 234.00 | $ 19.50 | $ 9.00 | $ 19.13 | $ 0.37 |
| MEDICAL 5-10% | |||||
| health care | $ 4,160.00 | $ 346.67 | $ 160.00 | $ - | $ 346.67 |
| health insurance | $ 4,564.82 | $ 380.40 | $175.57 | $ 175.57 | $ 204.83 |
| PERSONAL 5-10% | |||||
| Christmas | $ 260.00 | $ 21.67 | $ 10.00 | $ 82.10 | $ (60.43) |
| gifts | $ 156.00 | $ 13.00 | $ 6.00 | $ - | $ 13.00 |
| personal, me | $ 52.00 | $ 4.33 | $ 2.00 | $ - | $ 4.33 |
| personal, kids | $ 858.00 | $ 71.50 | $ 33.00 | $ 37.20 | $ 34.30 |
| personal, husband | $ 52.00 | $ 4.33 | $ 2.00 | $ - | $ 4.33 |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ - | $ 56.33 |
| work | $ - | $ - | $ - | $ (409.60) | $ 409.60 |
| RECREATION 5-10% | |||||
| entertainment | $ 234.00 | $ 19.50 | $ 9.00 | $ - | $ 19.50 |
| vacation | $ 546.00 | $ 45.50 | $ 21.00 | $ - | $ 45.50 |
| disney | $ 1,300.00 | $ 108.33 | $ 50.00 | $ 25.00 | $ 83.33 |
| 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 | $ 290.42 | $ 24.20 | $ 11.17 | $ - | $ 24.20 |
| NET SPENDING | $ 49,011.91 | $ 4,084.33 | $ 1,885.07 | $ 1,616.53 | $ 1,975.96 |
| DIFFERENCE: NET INCOME/SPENDING | $ (0.09) | $ (0.01) | $ (0.00) | $ 301.55 | $ 190.28 |
Thursday, December 8, 2016
Budget update
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