| TOTAL INCOME | $ 52,353.60 | $ 4,362.80 | $ 2,013.60 | $ 2,231.85 | $ 2,130.95 |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 3,117.92 | $ 259.83 | $ 119.92 | $ 132.58 | $ 127.25 |
| NET INCOME | $ 49,235.68 | $ 4,102.97 | $ 1,893.68 | $ 2,099.27 | $ 2,003.70 |
| CHARITY 10-15% | |||||
| fast offering | $ 1,056.00 | $ 88.00 | $ 40.62 | $ 88.00 | $ - |
| tithing | $ 5,235.36 | $ 436.28 | $ 201.36 | $ 223.19 | $ 213.09 |
| SAVINGS 5-10% | |||||
| emergency fund | $ - | $ - | $ - | $ - | $ - |
| kids savings | $ 120.12 | $ 10.01 | $ 4.62 | $ 6.93 | $ 3.08 |
| retirement | $ 4,711.82 | $ 392.65 | $ 181.22 | $ 235.75 | $ 156.90 |
| HOUSING 25-35% | |||||
| dream home | $ 260.00 | $ 21.67 | $ 10.00 | $ 15.00 | $ 6.67 |
| homeowner's insurance (Jan) | $ 525.00 | $ 43.75 | $ 20.19 | $ - | $ 43.75 |
| Household improvement/ repair | $ 817.96 | $ 68.16 | $ 31.46 | $ - | $ 68.16 |
| 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 | $ 217.36 | $ 18.11 | $ 8.36 | $ 28.60 | $ (10.49) |
| phone- home | $ 189.12 | $ 15.76 | $ 7.27 | $ - | $ 15.76 |
| power | $ 1,661.40 | $ 138.45 | $ 63.90 | $ 151.62 | $ (13.17) |
| water& trash | $ 1,059.24 | $ 88.27 | $ 40.74 | $ - | $ 88.27 |
| FOOD 5-15% | |||||
| groceries | $ 4,576.00 | $ 381.33 | $ 176.00 | $ 235.19 | $ 146.14 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 349.70 | $ 29.14 | $ 13.45 | $ - | $ 29.14 |
| gasoline- buick | $ 699.35 | $ 58.28 | $ 26.90 | $ 30.36 | $ 27.92 |
| gasoline- van | $ 1,445.84 | $ 120.49 | $ 55.61 | $ 66.93 | $ 53.56 |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 |
| repair & maintain | $ 152.88 | $ 12.74 | $ 5.88 | $ - | $ 12.74 |
| replace | $ 855.14 | $ 71.26 | $ 32.89 | $ - | $ 71.26 |
| 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 | $ 9.88 | $ 0.82 | $ 0.38 | $ - | $ 0.82 |
| kids | $ 34.32 | $ 2.86 | $ 1.32 | $ - | $ 2.86 |
| husband | $ 42.12 | $ 3.51 | $ 1.62 | $ - | $ 3.51 |
| MEDICAL 5-10% | |||||
| health care | $ 6,750.00 | $ 562.50 | $ 259.62 | $ 945.54 | $ (383.04) |
| health insurance- med, dent, vis | $ 4,927.78 | $ 410.65 | $189.53 | $ 189.53 | $ 221.12 |
| PERSONAL 5-10% | |||||
| Christmas | $ 72.54 | $ 6.05 | $ 2.79 | $ - | $ 6.05 |
| gifts | $ 32.24 | $ 2.69 | $ 1.24 | $ 70.06 | $ (67.37) |
| personal, me | $ 10.66 | $ 0.89 | $ 0.41 | $ - | $ 0.89 |
| personal, kids | $ 160.68 | $ 13.39 | $ 6.18 | $ 1.98 | $ 11.41 |
| personal, husband | $ 10.14 | $ 0.85 | $ 0.39 | $ - | $ 0.85 |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ - | $ 56.33 |
| work | $ - | $ - | $ - | $(1,555.53) | $ 1,555.53 |
| RECREATION 5-10% | |||||
| entertainment | $ 43.68 | $ 3.64 | $ 1.68 | $ - | $ 3.64 |
| vacation | $ 96.20 | $ 8.02 | $ 3.70 | $ - | $ 8.02 |
| disney | $ 1,300.00 | $ 108.33 | $ 50.00 | $ 75.00 | $ 33.33 |
| DEBT 5-10% | |||||
| husband's student loans | $ 7,052.16 | $ 587.68 | $ 271.24 | $ 587.68 | $ - |
| husband's student loans extra | $ 1,838.20 | $ 153.18 | $ 70.70 | $ - | $ 153.18 |
| NET SPENDING | $ 49,149.05 | $ 4,095.75 | $ 1,890.35 | $ 1,434.28 | $ 2,661.47 |
| DIFFERENCE: NET INCOME/SPENDING | $ 86.63 | $ 7.22 | $ 3.33 | $ 664.99 |
Thursday, April 20, 2017
Budget update
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