We went over budget on clothes for the kids (my middle son was down to 1 pair of pants, that he liked so much it was getting holey)
We also splurged on ourselves and bought a new mattress. Our old one was 22 years old, so it was long overdue. This was a planned splurge, coming ahead of our tax refund we'll be getting here in a few weeks. It just couldn't wait any more. We're not getting any younger, and both of our backs have been screaming for a new mattress for a few years now...
Thursday, January 25, 2018
Budget update
| TOTAL INCOME | $ 56,680.00 | $ 4,723.33 | $ 2,180.00 | $ 4,400.00 | $ 323.33 |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 4,520.88 | $ 376.74 | $ 173.88 | $ 268.92 | $ 107.82 |
| NET INCOME | $ 52,159.12 | $ 4,346.59 | $ 2,006.12 | $ 4,131.08 | $ 215.51 |
| CHARITY 10-15% | |||||
| fast offering | $ 1,140.00 | $ 95.00 | $ 43.85 | $ 95.00 | $ - |
| tithing | $ 5,668.00 | $ 472.33 | $ 218.00 | $ 440.00 | $ 32.33 |
| SAVINGS 5-10% | |||||
| emergency fund | $ - | $ - | $ - | $ - | $ - |
| kids savings | $ 134.68 | $ 11.22 | $ 5.18 | $ 7.77 | $ 3.45 |
| IRA | $ 6,500.00 | $ 541.67 | $ 250.00 | $ 500.00 | $ 41.67 |
| investments | $ - | $ - | $ - | $ - | $ - |
| HOUSING 25-35% | |||||
| dream home | $ 260.00 | $ 21.67 | $ 10.00 | $ 20.00 | $ 1.67 |
| homeowner's insurance (Jan) | $ 517.00 | $ 43.08 | $ 19.88 | $ 517.00 | $ (473.92) |
| Household improvement/ repair | $ 507.52 | $ 42.29 | $ 19.52 | $ 1,405.30 | $(1,363.01) |
| 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 | $ 1,506.70 | $ 125.56 | $ 57.95 | $ 202.95 | $ (77.39) |
| water& trash | $ 1,033.24 | $ 86.10 | $ 39.74 | $ 106.80 | $ (20.70) |
| FOOD 5-15% | |||||
| groceries | $ 4,940.00 | $ 411.67 | $ 190.00 | $ 314.01 | $ 97.66 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 342.32 | $ 28.53 | $ 13.17 | $ 171.16 | $ (142.63) |
| gasoline- buick and van | $ 2,329.43 | $ 194.12 | $ 89.59 | $ 67.01 | $ 127.11 |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 |
| repair & maintain | $ 386.10 | $ 32.18 | $ 14.85 | $ - | $ 32.18 |
| replace | $ 790.92 | $ 65.91 | $ 30.42 | $ - | $ 65.91 |
| 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 | $ 7.02 | $ 0.59 | $ 0.27 | $ - | $ 0.59 |
| kids | $ 39.26 | $ 3.27 | $ 1.51 | $ 14.15 | $ (10.88) |
| husband | $ 48.36 | $ 4.03 | $ 1.86 | $ - | $ 4.03 |
| MEDICAL 5-10% | |||||
| health care | $ 6,150.00 | $ 512.50 | $ 236.54 | $ 64.04 | $ 448.46 |
| health insurance- med, dent, vis | $ 4,927.78 | $ 410.65 | $189.53 | $ 379.06 | $ 31.59 |
| PERSONAL 5-10% | |||||
| Christmas | $ 68.90 | $ 5.74 | $ 2.65 | $ - | $ 5.74 |
| gifts | $ 27.56 | $ 2.30 | $ 1.06 | $ - | $ 2.30 |
| personal, me | $ 30.42 | $ 2.54 | $ 1.17 | $ 7.50 | $ (4.97) |
| personal, kids | $ 121.42 | $ 10.12 | $ 4.67 | $ 18.58 | $ (8.46) |
| personal, husband | $ 30.42 | $ 2.54 | $ 1.17 | $ - | $ 2.54 |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ 29.00 | $ 27.33 |
| work | $ 89.70 | $ 7.48 | $ 3.45 | $ (80.06) | $ 87.54 |
| RECREATION 5-10% | $ - | $ - | |||
| entertainment | $ 82.68 | $ 6.89 | $ 3.18 | $ - | $ 6.89 |
| vacation | $ 82.68 | $ 6.89 | $ 3.18 | $ - | $ 6.89 |
| 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 | $ 2,336.88 | $ 194.74 | $ 89.88 | $ 455.67 | $ (260.93) |
| NET SPENDING | $ 52,159.00 | $ 4,346.58 | $ 2,006.12 | $ 5,461.07 | $(1,114.49) |
| DIFFERENCE: NET INCOME/SPENDING | $ 0.12 | $ 0.01 | $ 0.00 | $(1,329.99) |
Thursday, January 18, 2018
Budget update
| TOTAL INCOME | $ 56,680.00 | $ 4,723.33 | $ 2,180.00 | $ 4,400.00 | $ 323.33 |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 4,520.88 | $ 376.74 | $ 173.88 | $ 268.92 | $ 107.82 |
| NET INCOME | $ 52,159.12 | $ 4,346.59 | $ 2,006.12 | $ 4,131.08 | $ 215.51 |
| CHARITY 10-15% | |||||
| fast offering | $ 1,140.00 | $ 95.00 | $ 43.85 | $ 95.00 | $ - |
| tithing | $ 5,668.00 | $ 472.33 | $ 218.00 | $ 440.00 | $ 32.33 |
| SAVINGS 5-10% | |||||
| emergency fund | $ - | $ - | $ - | $ - | $ - |
| kids savings | $ 134.68 | $ 11.22 | $ 5.18 | $ 5.18 | $ 6.04 |
| IRA | $ 6,500.00 | $ 541.67 | $ 250.00 | $ 500.00 | $ 41.67 |
| investments | $ - | $ - | $ - | $ - | $ - |
| HOUSING 25-35% | |||||
| dream home | $ 260.00 | $ 21.67 | $ 10.00 | $ 15.00 | $ 6.67 |
| homeowner's insurance (Jan) | $ 517.00 | $ 43.08 | $ 19.88 | $ 517.00 | $ (473.92) |
| Household improvement/ repair | $ 507.52 | $ 42.29 | $ 19.52 | $ 4.30 | $ 37.99 |
| 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 | $ 1,506.70 | $ 125.56 | $ 57.95 | $ 202.95 | $ (77.39) |
| water& trash | $ 1,033.24 | $ 86.10 | $ 39.74 | $ - | $ 86.10 |
| FOOD 5-15% | |||||
| groceries | $ 4,940.00 | $ 411.67 | $ 190.00 | $ 228.15 | $ 183.52 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 342.32 | $ 28.53 | $ 13.17 | $ 171.16 | $ (142.63) |
| gasoline- buick and van | $ 2,329.43 | $ 194.12 | $ 89.59 | $ 67.01 | $ 127.11 |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 |
| repair & maintain | $ 386.10 | $ 32.18 | $ 14.85 | $ - | $ 32.18 |
| replace | $ 790.92 | $ 65.91 | $ 30.42 | $ - | $ 65.91 |
| 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 | $ 7.02 | $ 0.59 | $ 0.27 | $ - | $ 0.59 |
| kids | $ 39.26 | $ 3.27 | $ 1.51 | $ - | $ 3.27 |
| husband | $ 48.36 | $ 4.03 | $ 1.86 | $ - | $ 4.03 |
| MEDICAL 5-10% | |||||
| health care | $ 6,150.00 | $ 512.50 | $ 236.54 | $ 64.04 | $ 448.46 |
| health insurance- med, dent, vis | $ 4,927.78 | $ 410.65 | $189.53 | $ 379.06 | $ 31.59 |
| PERSONAL 5-10% | |||||
| Christmas | $ 68.90 | $ 5.74 | $ 2.65 | $ - | $ 5.74 |
| gifts | $ 27.56 | $ 2.30 | $ 1.06 | $ - | $ 2.30 |
| personal, me | $ 30.42 | $ 2.54 | $ 1.17 | $ 7.50 | $ (4.97) |
| personal, kids | $ 121.42 | $ 10.12 | $ 4.67 | $ 17.80 | $ (7.68) |
| personal, husband | $ 30.42 | $ 2.54 | $ 1.17 | $ - | $ 2.54 |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ - | $ 56.33 |
| work | $ 89.70 | $ 7.48 | $ 3.45 | $ (80.06) | $ 87.54 |
| RECREATION 5-10% | $ - | $ - | |||
| entertainment | $ 82.68 | $ 6.89 | $ 3.18 | $ - | $ 6.89 |
| vacation | $ 82.68 | $ 6.89 | $ 3.18 | $ - | $ 6.89 |
| 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 | $ 2,336.88 | $ 194.74 | $ 89.88 | $ 455.67 | $ (260.93) |
| NET SPENDING | $ 52,159.00 | $ 4,346.58 | $ 2,006.12 | $ 3,790.89 | $ 555.69 |
| DIFFERENCE: NET INCOME/SPENDING | $ 0.12 | $ 0.01 | $ 0.00 | $ 340.19 |
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