| TOTAL INCOME | $ 54,184.00 | $ 4,515.33 | $ 2,084.00 | $ 4,490.95 | $ 24.38 |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 3,251.04 | $ 270.92 | $ 125.04 | $ 278.03 | $ (7.11) |
| NET INCOME | $ 50,932.96 | $ 4,244.41 | $ 1,958.96 | $ 4,212.92 | $ 31.49 |
| CHARITY 10-15% | |||||
| fast offering | $ 1,056.00 | $ 88.00 | $ 40.62 | $ 88.00 | $ - |
| tithing | $ 5,418.40 | $ 451.53 | $ 208.40 | $ 449.10 | $ 2.43 |
| SAVINGS 5-10% | |||||
| emergency fund | $ - | $ - | $ - | $ - | $ - |
| kids savings | $ 123.76 | $ 10.31 | $ 4.76 | $ 9.59 | $ 0.72 |
| retirement | $ 5,960.24 | $ 496.69 | $ 229.24 | $ 490.00 | $ 6.69 |
| HOUSING 25-35% | |||||
| dream home | $ 260.00 | $ 21.67 | $ 10.00 | $ 20.00 | $ 1.67 |
| homeowner's insurance (Jan) | $ 525.00 | $ 43.75 | $ 20.19 | $ - | $ 43.75 |
| Household improvement/ repair | $ 774.80 | $ 64.57 | $ 29.80 | $ - | $ 64.57 |
| appliance replace | $ 214.50 | $ 17.88 | $ 8.25 | $ - | $ 17.88 |
| real estate tax, county (Jun and Dec) | $ 1,060.00 | $ 88.33 | $ 40.77 | $ 530.00 | $ (441.67) |
| 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 | $ 226.72 | $ 18.89 | $ 8.72 | $ - | $ 18.89 |
| phone- home | $ 189.12 | $ 15.76 | $ 7.27 | $ 15.76 | $ - |
| power | $ 1,567.80 | $ 130.65 | $ 60.30 | $ 96.03 | $ 34.62 |
| water& trash | $ 1,028.30 | $ 85.69 | $ 39.55 | $ 82.24 | $ 3.45 |
| FOOD 5-15% | |||||
| groceries | $ 4,576.00 | $ 381.33 | $ 176.00 | $ 332.16 | $ 49.17 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 349.70 | $ 29.14 | $ 13.45 | $ - | $ 29.14 |
| gasoline- buick | $ 675.11 | $ 56.26 | $ 25.97 | $ 67.95 | $ (11.69) |
| gasoline- van | $ 1,395.74 | $ 116.31 | $ 53.68 | $ 124.75 | $ (8.44) |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 |
| repair & maintain | $ 302.12 | $ 25.18 | $ 11.62 | $ - | $ 25.18 |
| replace | $ 703.56 | $ 58.63 | $ 27.06 | $ - | $ 58.63 |
| 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 | $ 8.06 | $ 0.67 | $ 0.31 | $ - | $ 0.67 |
| kids | $ 28.34 | $ 2.36 | $ 1.09 | $ - | $ 2.36 |
| husband | $ 50.44 | $ 4.20 | $ 1.94 | $ - | $ 4.20 |
| MEDICAL 5-10% | |||||
| health care | $ 6,750.00 | $ 562.50 | $ 259.62 | $ 465.18 | $ 97.32 |
| health insurance- med, dent, vis | $ 4,927.78 | $ 410.65 | $189.53 | $ 379.06 | $ 31.59 |
| PERSONAL 5-10% | |||||
| Christmas | $ 59.80 | $ 4.98 | $ 2.30 | $ - | $ 4.98 |
| gifts | $ 26.52 | $ 2.21 | $ 1.02 | $ - | $ 2.21 |
| personal, me | $ 8.84 | $ 0.74 | $ 0.34 | $ 8.11 | $ (7.37) |
| personal, kids | $ 132.08 | $ 11.01 | $ 5.08 | $ 3.48 | $ 7.53 |
| personal, husband | $ 8.84 | $ 0.74 | $ 0.34 | $ 1.73 | $ (0.99) |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ - | $ 56.33 |
| work | $ - | $ - | $ - | $ 146.98 | $ (146.98) |
| RECREATION 5-10% | |||||
| entertainment | $ 35.88 | $ 2.99 | $ 1.38 | $ 450.00 | $ (447.01) |
| vacation | $ 79.30 | $ 6.61 | $ 3.05 | $ - | $ 6.61 |
| disney | $ 1,300.00 | $ 108.33 | $ 50.00 | $ 100.00 | $ 8.33 |
| DEBT 5-10% | |||||
| husband's student loans | $ 7,052.16 | $ 587.68 | $ 271.24 | $ 587.68 | $ - |
| husband's student loans extra | $ 2,496.52 | $ 208.04 | $ 96.02 | $ 578.00 | $ (369.96) |
| NET SPENDING | $ 50,933.09 | $ 4,244.42 | $ 1,958.96 | $ 5,064.25 | $ (819.83) |
| DIFFERENCE: NET INCOME/SPENDING | $ (0.13) | $ (0.01) | $ (0.00) | $ (851.33) |
Thursday, June 29, 2017
Budget update
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