| TOTAL INCOME | $ 54,184.00 | $ 4,515.33 | $ 2,084.00 | $ 4,702.03 | $ (186.70) |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 4,354.48 | $ 362.87 | $ 167.48 | $ 296.96 | $ 65.91 |
| NET INCOME | $ 49,829.52 | $ 4,152.46 | $ 1,916.52 | $ 4,405.07 | $ (252.61) |
| CHARITY 10-15% | |||||
| fast offering | $ 1,056.00 | $ 88.00 | $ 40.62 | $ 88.00 | $ - |
| tithing | $ 5,418.40 | $ 451.53 | $ 208.40 | $ 470.21 | $ (18.68) |
| SAVINGS 5-10% | |||||
| emergency fund | $ - | $ - | $ - | $ - | $ - |
| kids savings | $ 127.40 | $ 10.62 | $ 4.90 | $ 7.35 | $ 3.27 |
| retirement | $ 5,960.24 | $ 496.69 | $ 229.24 | $ 517.22 | $ (20.53) |
| 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 | $ 777.92 | $ 64.83 | $ 29.92 | $ - | $ 64.83 |
| 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 | $ 226.72 | $ 18.89 | $ 8.72 | $ 14.50 | $ 4.39 |
| phone- home | $ 189.12 | $ 15.76 | $ 7.27 | $ 15.76 | $ - |
| power | $ 1,567.80 | $ 130.65 | $ 60.30 | $ 94.05 | $ 36.60 |
| water& trash | $ 1,028.30 | $ 85.69 | $ 39.55 | $ 75.21 | $ 10.48 |
| FOOD 5-15% | |||||
| groceries | $ 4,576.00 | $ 381.33 | $ 176.00 | $ 230.82 | $ 150.51 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 331.90 | $ 27.66 | $ 12.77 | $ 165.95 | $ (138.29) |
| gasoline- buick | $ 647.41 | $ 53.95 | $ 24.90 | $ 44.49 | $ 9.46 |
| gasoline- van | $ 1,338.48 | $ 111.54 | $ 51.48 | $ 66.95 | $ 44.59 |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 |
| repair & maintain | $ 293.54 | $ 24.46 | $ 11.29 | $ 761.89 | $ (737.43) |
| replace | $ 683.54 | $ 56.96 | $ 26.29 | $ - | $ 56.96 |
| 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 | $ 27.56 | $ 2.30 | $ 1.06 | $ 14.61 | $ (12.31) |
| husband | $ 48.88 | $ 4.07 | $ 1.88 | $ - | $ 4.07 |
| MEDICAL 5-10% | |||||
| health care | $ 5,821.40 | $ 485.12 | $ 223.90 | $ (93.70) | $ 578.82 |
| health insurance- med, dent, vis | $ 4,927.78 | $ 410.65 | $189.53 | $ 379.06 | $ 31.59 |
| PERSONAL 5-10% | |||||
| Christmas | $ 57.98 | $ 4.83 | $ 2.23 | $ - | $ 4.83 |
| gifts | $ 25.74 | $ 2.15 | $ 0.99 | $ 6.98 | $ (4.84) |
| personal, me | $ 8.58 | $ 0.72 | $ 0.33 | $ - | $ 0.72 |
| personal, kids | $ 128.44 | $ 10.70 | $ 4.94 | $ 2.16 | $ 8.54 |
| personal, husband | $ 8.58 | $ 0.72 | $ 0.33 | $ 8.35 | $ (7.64) |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ - | $ 56.33 |
| work | $ - | $ - | $ - | $ (263.40) | $ 263.40 |
| RECREATION 5-10% | $ - | $ - | |||
| entertainment | $ 35.10 | $ 2.93 | $ 1.35 | $ - | $ 2.93 |
| vacation | $ 76.96 | $ 6.41 | $ 2.96 | $ 228.64 | $ (222.23) |
| 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 | $ 2,458.30 | $ 204.86 | $ 94.55 | $ 578.00 | $ (373.14) |
| NET SPENDING | $ 49,829.45 | $ 4,152.45 | $ 1,916.52 | $ 4,129.23 | $ 23.22 |
| DIFFERENCE: NET INCOME/SPENDING | $ 0.07 | $ 0.01 | $ 0.00 | $ 275.84 |
Thursday, July 20, 2017
Budget update
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