| TOTAL INCOME | $ 52,353.60 | $ 4,362.80 | $ 2,013.60 | $ 2,013.60 | $ 2,349.20 |
| 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 | $ 1,893.68 | $ 2,209.29 |
| CHARITY 10-15% | |||||
| fast offering | $ 1,056.00 | $ 88.00 | $ 40.62 | $ 88.00 | $ - |
| tithing | $ 5,235.36 | $ 436.28 | $ 201.36 | $ 201.36 | $ 234.92 |
| 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 | $ - | $ 21.67 |
| homeowner's insurance (Jan) | $ 525.00 | $ 43.75 | $ 20.19 | $ - | $ 43.75 |
| Household improvement/ repair | $ 254.80 | $ 21.23 | $ 9.80 | $ - | $ 21.23 |
| 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 | $ - | $ 17.59 |
| phone- home | $ 189.12 | $ 15.76 | $ 7.27 | $ - | $ 15.76 |
| power | $ 1,771.38 | $ 147.62 | $ 68.13 | $ - | $ 147.62 |
| water& trash | $ 1,059.24 | $ 88.27 | $ 40.74 | $ - | $ 88.27 |
| FOOD 5-15% | |||||
| groceries | $ 4,576.00 | $ 381.33 | $ 176.00 | $ 5.75 | $ 375.58 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 410.30 | $ 34.19 | $ 15.78 | $ - | $ 34.19 |
| gasoline- buick | $ 777.92 | $ 64.83 | $ 29.92 | $ - | $ 64.83 |
| gasoline- van | $ 1,499.14 | $ 124.93 | $ 57.66 | $ - | $ 124.93 |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 |
| repair & maintain | $ 210.08 | $ 17.51 | $ 8.08 | $ - | $ 17.51 |
| replace | $ 1,173.90 | $ 97.83 | $ 45.15 | $ - | $ 97.83 |
| 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 | $ 11.70 | $ 0.98 | $ 0.45 | $ - | $ 0.98 |
| kids | $ 44.20 | $ 3.68 | $ 1.70 | $ - | $ 3.68 |
| husband | $ 52.78 | $ 4.40 | $ 2.03 | $ - | $ 4.40 |
| MEDICAL 5-10% | |||||
| health care | $ 6,750.00 | $ 562.50 | $ 259.62 | $ - | $ 562.50 |
| health insurance- med, dent, vis | $ 4,927.78 | $ 410.65 | $189.53 | $ 189.53 | $ 221.12 |
| PERSONAL 5-10% | |||||
| Christmas | $ 105.04 | $ 8.75 | $ 4.04 | $ - | $ 8.75 |
| gifts | $ 44.20 | $ 3.68 | $ 1.70 | $ - | $ 3.68 |
| personal, me | $ 14.56 | $ 1.21 | $ 0.56 | $ - | $ 1.21 |
| personal, kids | $ 185.12 | $ 15.43 | $ 7.12 | $ - | $ 15.43 |
| personal, husband | $ 14.04 | $ 1.17 | $ 0.54 | $ - | $ 1.17 |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ - | $ 56.33 |
| work | $ - | $ - | $ - | $ (303.56) | $ 303.56 |
| RECREATION 5-10% | |||||
| entertainment | $ 60.58 | $ 5.05 | $ 2.33 | $ - | $ 5.05 |
| vacation | $ 132.08 | $ 11.01 | $ 5.08 | $ - | $ 11.01 |
| 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 | $ 1,098.50 | $ 91.54 | $ 42.25 | $ - | $ 91.54 |
| NET SPENDING | $ 49,235.64 | $ 4,102.97 | $ 1,893.68 | $ 364.46 | $ 3,738.51 |
| DIFFERENCE: NET INCOME/SPENDING | $ 0.04 | $ 0.00 | $ 0.00 | $ 1,529.22 | $(1,529.22) |
Thursday, February 2, 2017
Budget update
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