Budget update

TOTAL INCOME	$52,353.60	$4,362.80	$2,013.60	$2,083.60	$2,279.20
	Yearly total	Monthly	Average biweekly	Actual	Difference
INCOME TAX
taxes, work	$3,117.92	$259.83	$119.92	$119.92	$139.91
NET INCOME	$49,235.68	$4,102.97	$1,893.68	$1,963.68	$2,139.29
CHARITY 10-15%
fast offering	$1,056.00	$88.00	$40.62	$88.00	$             -
tithing	$5,235.36	$436.28	$201.36	$208.36	$227.92
SAVINGS 5-10%
emergency fund	$              -	$           -	$                         -	$           -	$             -
kids savings	$112.32	$9.36	$4.32	$2.16	$7.20
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)	$525.00	$43.75	$20.19	$           -	$43.75
Household improvement/ repair	$249.08	$20.76	$9.58	$           -	$20.76
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	$211.12	$17.59	$8.12	$16.15	$1.44
phone- home	$189.12	$15.76	$7.27	$           -	$15.76
power	$1,771.38	$147.62	$68.13	$179.99	($32.38)
water& trash	$1,059.24	$88.27	$40.74	$           -	$88.27
FOOD 5-15%
groceries	$4,576.00	$381.33	$176.00	$           -	$381.33
TRANSPORTATION 10-15%
car insurance (Jan and Jul)	$421.30	$35.11	$16.20	$           -	$35.11
gasoline- buick	$800.25	$66.69	$30.78	$           -	$66.69
gasoline- van	$1,542.18	$128.52	$59.31	$38.29	$90.23
registration, buick	$39.42	$3.28	$1.52	$           -	$3.28
registration, van	$44.42	$3.70	$1.71	$           -	$3.70
repair & maintain	$205.40	$17.12	$7.90	$           -	$17.12
replace	$1,147.64	$95.64	$44.14	$           -	$95.64
taxes, property- county (Dec)	$72.41	$6.03	$2.79	$           -	$6.03
taxes, property-town (Dec)	$77.45	$6.45	$2.98	$           -	$6.45
CLOTHING 2-7%
me	$11.44	$0.95	$0.44	$           -	$0.95
kids	$43.16	$3.60	$1.66	$           -	$3.60
husband	$51.48	$4.29	$1.98	$           -	$4.29
MEDICAL 5-10%
health care	$6,750.00	$562.50	$259.62	$108.88	$453.62
health insurance- med, dent, vis	$4,927.78	$410.65	$189.53	$           -	$410.65
PERSONAL 5-10%
Christmas	$102.70	$8.56	$3.95	$           -	$8.56
gifts	$43.42	$3.62	$1.67	$           -	$3.62
personal, me	$14.04	$1.17	$0.54	$           -	$1.17
personal, kids	$180.96	$15.08	$6.96	$           -	$15.08
personal, husband	$13.78	$1.15	$0.53	$           -	$1.15
pets	$676.00	$56.33	$26.00	$           -	$56.33
work	$              -	$           -	$                         -	$64.61	($64.61)
RECREATION 5-10%
entertainment	$59.02	$4.92	$2.27	$8.00	($3.08)
vacation	$129.22	$10.77	$4.97	$           -	$10.77
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	$1,073.80	$89.48	$41.30	$           -	$89.48
NET SPENDING	$49,235.57	$4,102.96	$1,893.68	$853.05	$3,249.91
DIFFERENCE: NET INCOME/SPENDING	$0.11	$0.01	$0.00	$1,110.63