| TOTAL INCOME | $ 54,184.00 | $ 4,515.33 | $ 2,084.00 | $ 5,875.26 | $(1,359.93) |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 4,354.48 | $ 362.87 | $ 167.48 | $ 397.01 | $ (34.14) |
| NET INCOME | $ 49,829.52 | $ 4,152.46 | $ 1,916.52 | $ 5,478.25 | $(1,325.79) |
| CHARITY 10-15% | |||||
| fast offering | $ 1,056.00 | $ 88.00 | $ 40.62 | $ 88.00 | $ - |
| tithing | $ 5,418.40 | $ 451.53 | $ 208.40 | $ 332.24 | $ 119.29 |
| SAVINGS 5-10% | |||||
| emergency fund | $ - | $ - | $ - | $ - | $ - |
| kids savings | $ 127.40 | $ 10.62 | $ 4.90 | $ 7.56 | $ 3.06 |
| retirement | $ 5,960.24 | $ 496.69 | $ 229.24 | $ 630.41 | $ (133.72) |
| HOUSING 25-35% | |||||
| dream home | $ 260.00 | $ 21.67 | $ 10.00 | $ 25.00 | $ (3.33) |
| homeowner's insurance (Jan) | $ 525.00 | $ 43.75 | $ 20.19 | $ - | $ 43.75 |
| Household improvement/ repair | $ 724.36 | $ 60.36 | $ 27.86 | $ 23.16 | $ 37.20 |
| appliance replace | $ 214.50 | $ 17.88 | $ 8.25 | $ 409.19 | $ (391.32) |
| 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 | $ 412.62 | $ 34.39 | $ 15.87 | $ 127.55 | $ (93.17) |
| power | $ 1,562.08 | $ 130.17 | $ 60.08 | $ 100.03 | $ 30.14 |
| water& trash | $ 1,022.32 | $ 85.19 | $ 39.32 | $ 99.32 | $ (14.13) |
| FOOD 5-15% | |||||
| groceries | $ 4,576.00 | $ 381.33 | $ 176.00 | $ 347.81 | $ 33.52 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 331.90 | $ 27.66 | $ 12.77 | $ - | $ 27.66 |
| gasoline- buick | $ 827.44 | $ 68.95 | $ 31.82 | $ 31.64 | $ 37.31 |
| gasoline- van | $ 1,710.68 | $ 142.56 | $ 65.80 | $ 92.22 | $ 50.34 |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ 133.25 | $ (129.55) |
| repair & maintain | $ 265.20 | $ 22.10 | $ 10.20 | $ - | $ 22.10 |
| replace | $ 543.40 | $ 45.28 | $ 20.90 | $ - | $ 45.28 |
| 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 | $ 4.68 | $ 0.39 | $ 0.18 | $ - | $ 0.39 |
| kids | $ 20.02 | $ 1.67 | $ 0.77 | $ 62.59 | $ (60.92) |
| husband | $ 43.68 | $ 3.64 | $ 1.68 | $ 110.54 | $ (106.90) |
| MEDICAL 5-10% | |||||
| health care | $ 5,821.40 | $ 485.12 | $ 223.90 | $ 59.00 | $ 426.12 |
| health insurance- med, dent, vis | $ 4,927.78 | $ 410.65 | $189.53 | $ 379.06 | $ 31.59 |
| PERSONAL 5-10% | |||||
| Christmas | $ 44.98 | $ 3.75 | $ 1.73 | $ - | $ 3.75 |
| gifts | $ 18.98 | $ 1.58 | $ 0.73 | $ 3.49 | $ (1.91) |
| personal, me | $ 20.80 | $ 1.73 | $ 0.80 | $ - | $ 1.73 |
| personal, kids | $ 83.46 | $ 6.96 | $ 3.21 | $ 28.03 | $ (21.08) |
| personal, husband | $ 20.80 | $ 1.73 | $ 0.80 | $ - | $ 1.73 |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ 28.98 | $ 27.35 |
| work | $ - | $ - | $ - | $ 1,992.80 | $(1,992.80) |
| RECREATION 5-10% | $ - | $ - | |||
| entertainment | $ 62.14 | $ 5.18 | $ 2.39 | $ - | $ 5.18 |
| vacation | $ 59.54 | $ 4.96 | $ 2.29 | $ - | $ 4.96 |
| disney | $ 1,300.00 | $ 108.33 | $ 50.00 | $ 125.00 | $ (16.67) |
| DEBT 5-10% | |||||
| husband's student loans | $ 7,052.16 | $ 587.68 | $ 271.24 | $ 587.68 | $ - |
| husband's student loans extra | $ 2,189.98 | $ 182.50 | $ 84.23 | $ 83.04 | $ 99.46 |
| NET SPENDING | $ 49,829.59 | $ 4,152.47 | $ 1,916.52 | $ 5,946.04 | $(1,793.57) |
| DIFFERENCE: NET INCOME/SPENDING | $ (0.07) | $ (0.01) | $ (0.00) | $ (467.79) |
Thursday, November 2, 2017
Budget update
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