| TOTAL INCOME | $ 54,184.00 | $ 4,515.33 | $ 2,084.00 | $ 2,372.86 | $ 2,142.47 |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 4,354.48 | $ 362.87 | $ 167.48 | $ 142.50 | $ 220.37 |
| NET INCOME | $ 49,829.52 | $ 4,152.46 | $ 1,916.52 | $ 2,230.36 | $ 1,922.10 |
| CHARITY 10-15% | |||||
| fast offering | $ 1,056.00 | $ 88.00 | $ 40.62 | $ - | $ 88.00 |
| tithing | $ 5,418.40 | $ 451.53 | $ 208.40 | $ 237.29 | $ 214.24 |
| SAVINGS 5-10% | |||||
| emergency fund | $ - | $ - | $ - | $ - | $ - |
| kids savings | $ 134.68 | $ 11.22 | $ 5.18 | $ 5.18 | $ 6.04 |
| retirement | $ 5,960.24 | $ 496.69 | $ 229.24 | $ 250.01 | $ 246.68 |
| HOUSING 25-35% | |||||
| dream home | $ 260.00 | $ 21.67 | $ 10.00 | $ 5.00 | $ 16.67 |
| homeowner's insurance (Jan) | $ 525.00 | $ 43.75 | $ 20.19 | $ - | $ 43.75 |
| Household improvement/ repair | $ 178.88 | $ 14.91 | $ 6.88 | $ 58.56 | $ (43.65) |
| 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 | $ 883.32 | $ 73.61 | $ 33.97 | $ - | $ 73.61 |
| power | $ 1,524.38 | $ 127.03 | $ 58.63 | $ 91.19 | $ 35.84 |
| water& trash | $ 999.96 | $ 83.33 | $ 38.46 | $ - | $ 83.33 |
| FOOD 5-15% | |||||
| groceries | $ 4,576.00 | $ 381.33 | $ 176.00 | $ 81.06 | $ 300.27 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 331.90 | $ 27.66 | $ 12.77 | $ - | $ 27.66 |
| gasoline- buick | $ 927.68 | $ 77.31 | $ 35.68 | $ - | $ 77.31 |
| gasoline- van | $ 1,401.75 | $ 116.81 | $ 53.91 | $ - | $ 116.81 |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 |
| repair & maintain | $ 357.76 | $ 29.81 | $ 13.76 | $ - | $ 29.81 |
| replace | $ 732.94 | $ 61.08 | $ 28.19 | $ - | $ 61.08 |
| taxes, property- county (Dec) | $ 62.69 | $ 5.22 | $ 2.41 | $ - | $ 5.22 |
| taxes, property-town (Dec) | $ 75.54 | $ 6.30 | $ 2.91 | $ - | $ 6.30 |
| CLOTHING 2-7% | |||||
| me | $ 6.50 | $ 0.54 | $ 0.25 | $ - | $ 0.54 |
| kids | $ 31.98 | $ 2.67 | $ 1.23 | $ 18.92 | $ (16.26) |
| husband | $ 58.76 | $ 4.90 | $ 2.26 | $ - | $ 4.90 |
| 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 | $ 189.53 | $ 221.12 |
| PERSONAL 5-10% | |||||
| Christmas | $ 60.58 | $ 5.05 | $ 2.33 | $ - | $ 5.05 |
| gifts | $ 25.48 | $ 2.12 | $ 0.98 | $ - | $ 2.12 |
| personal, me | $ 28.08 | $ 2.34 | $ 1.08 | $ - | $ 2.34 |
| personal, kids | $ 112.32 | $ 9.36 | $ 4.32 | $ - | $ 9.36 |
| personal, husband | $ 28.08 | $ 2.34 | $ 1.08 | $ - | $ 2.34 |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ - | $ 56.33 |
| work | $ 166.14 | $ 13.85 | $ 6.39 | $ - | $ 13.85 |
| RECREATION 5-10% | $ - | $ - | |||
| entertainment | $ 82.94 | $ 6.91 | $ 3.19 | $ - | $ 6.91 |
| vacation | $ 80.34 | $ 6.70 | $ 3.09 | $ - | $ 6.70 |
| disney | $ 1,300.00 | $ 108.33 | $ 50.00 | $ 25.00 | $ 83.33 |
| DEBT 5-10% | |||||
| husband's student loans | $ 7,052.16 | $ 587.68 | $ 271.24 | $ - | $ 587.68 |
| husband's student loans extra | $ 1,953.64 | $ 162.80 | $ 75.14 | $ - | $ 162.80 |
| NET SPENDING | $ 49,829.60 | $ 4,152.47 | $ 1,916.52 | $ 1,020.74 | $ 3,131.73 |
| DIFFERENCE: NET INCOME/SPENDING | $ (0.08) | $ (0.01) | $ (0.00) | $ 1,209.62 |
Thursday, November 9, 2017
Budget update
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