| TOTAL INCOME | $ 56,680.00 | $ 4,723.33 | $ 2,180.00 | $ 6,311.87 | $(1,588.54) |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 4,930.90 | $ 410.91 | $ 189.65 | $ 624.78 | $ (213.87) |
| NET INCOME | $ 51,749.10 | $ 4,312.43 | $ 1,990.35 | $ 5,687.09 | $(1,374.67) |
| CHARITY 10-15% | |||||
| fast offering | $ 1,140.00 | $ 95.00 | $ 43.85 | $ 95.00 | $ - |
| tithing | $ 5,668.00 | $ 472.33 | $ 218.00 | $ 327.45 | $ 144.88 |
| SAVINGS 5-10% | |||||
| emergency fund | $ - | $ - | $ - | $ - | $ - |
| kids savings | $ 141.96 | $ 11.83 | $ 5.46 | $ 10.92 | $ 0.91 |
| 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 | $ - | $ 43.08 |
| Household improvement/ repair | $ - | $ - | $ - | $ 45.64 | $ (45.64) |
| 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 | $ 919.88 | $ 76.66 | $ 35.38 | $ 77.02 | $ (0.36) |
| power | $ 1,641.12 | $ 136.76 | $ 63.12 | $ 171.93 | $ (35.17) |
| water& trash | $ 1,108.90 | $ 92.41 | $ 42.65 | $ 98.77 | $ (6.36) |
| FOOD 5-15% | |||||
| groceries | $ 4,940.00 | $ 411.67 | $ 190.00 | $ 275.17 | $ 136.50 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 342.32 | $ 28.53 | $ 13.17 | $ - | $ 28.53 |
| gasoline- buick and van | $ 2,330.92 | $ 194.24 | $ 89.65 | $ 28.92 | $ 165.32 |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 |
| repair & maintain | $ 780.00 | $ 65.00 | $ 30.00 | $ 840.55 | $ (775.55) |
| replace | $ 1,794.00 | $ 149.50 | $ 69.00 | $ - | $ 149.50 |
| 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 | $ 65.00 | $ 5.42 | $ 2.50 | $ - | $ 5.42 |
| kids | $ 65.00 | $ 5.42 | $ 2.50 | $ - | $ 5.42 |
| husband | $ 65.00 | $ 5.42 | $ 2.50 | $ - | $ 5.42 |
| MEDICAL 5-10% | |||||
| health care | $ 6,150.00 | $ 512.50 | $ 236.54 | $ 294.24 | $ 218.26 |
| health insurance- med, dent, vis | $ 4,927.78 | $ 410.65 | $189.53 | $ 379.06 | $ 31.59 |
| PERSONAL 5-10% | |||||
| Christmas | $ - | $ - | $ - | $ - | $ - |
| gifts | $ 62.40 | $ 5.20 | $ 2.40 | $ - | $ 5.20 |
| personal, me | $ 91.00 | $ 7.58 | $ 3.50 | $ 3.38 | $ 4.20 |
| personal, kids | $ 871.00 | $ 72.58 | $ 33.50 | $ 46.90 | $ 25.68 |
| personal, husband | $ 91.00 | $ 7.58 | $ 3.50 | $ 3.38 | $ 4.20 |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ 114.92 | $ (58.59) |
| work | $ - | $ - | $ - | $ 394.22 | $ (394.22) |
| RECREATION 5-10% | |||||
| entertainment | $ 96.20 | $ 8.02 | $ 3.70 | $ - | $ 8.02 |
| vacation | $ - | $ - | $ - | $ - | |
| disney | $ 1,300.00 | $ 108.33 | $ 50.00 | $ 90.00 | $ 18.33 |
| DEBT 5-10% | |||||
| husband's student loans | $ 7,052.16 | $ 587.68 | $ 271.24 | $ 587.68 | $ - |
| husband's student loans extra | $ - | $ - | $ - | $ - | |
| NET SPENDING | $ 51,745.16 | $ 4,312.10 | $ 1,990.20 | $ 4,438.60 | $ (126.50) |
| DIFFERENCE: NET INCOME/SPENDING | $ 3.94 | $ 0.33 | $ 0.15 | $ 1,248.49 |
Thursday, April 26, 2018
Budget update
Thursday, April 19, 2018
Where we went over budget
We had to put our van in the shop again. It seems we need to make a bigger allotment for vehicle repairs now that ours are getting up there in miles. It will only get worse from here. And we're not done with repairs yet. We decided to get the air conditioning serviced while it was in the shop anyway, so that number will go up.
Budget update
| TOTAL INCOME | $ 56,680.00 | $ 4,723.33 | $ 2,180.00 | $ 3,274.48 | $ 1,448.85 |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 4,930.90 | $ 410.91 | $ 189.65 | $ 424.09 | $ (13.18) |
| NET INCOME | $ 51,749.10 | $ 4,312.43 | $ 1,990.35 | $ 2,850.39 | $ 1,462.04 |
| CHARITY 10-15% | |||||
| fast offering | $ 1,140.00 | $ 95.00 | $ 43.85 | $ 95.00 | $ - |
| tithing | $ 5,668.00 | $ 472.33 | $ 218.00 | $ 327.45 | $ 144.88 |
| SAVINGS 5-10% | |||||
| emergency fund | $ - | $ - | $ - | $ - | $ - |
| kids savings | $ 141.96 | $ 11.83 | $ 5.46 | $ 8.19 | $ 3.64 |
| IRA | $ 6,500.00 | $ 541.67 | $ 250.00 | $ 250.00 | $ 291.67 |
| investments | $ - | $ - | $ - | $ - | $ - |
| HOUSING 25-35% | |||||
| dream home | $ 260.00 | $ 21.67 | $ 10.00 | $ 10.00 | $ 11.67 |
| homeowner's insurance (Jan) | $ 517.00 | $ 43.08 | $ 19.88 | $ - | $ 43.08 |
| Household improvement/ repair | $ - | $ - | $ - | $ - | $ - |
| 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 | $ 919.88 | $ 76.66 | $ 35.38 | $ 77.02 | $ (0.36) |
| power | $ 1,641.12 | $ 136.76 | $ 63.12 | $ 171.93 | $ (35.17) |
| water& trash | $ 1,108.90 | $ 92.41 | $ 42.65 | $ - | $ 92.41 |
| FOOD 5-15% | |||||
| groceries | $ 4,940.00 | $ 411.67 | $ 190.00 | $ 186.37 | $ 225.30 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 342.32 | $ 28.53 | $ 13.17 | $ - | $ 28.53 |
| gasoline- buick and van | $ 2,330.92 | $ 194.24 | $ 89.65 | $ 28.92 | $ 165.32 |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 |
| repair & maintain | $ 780.00 | $ 65.00 | $ 30.00 | $ 238.21 | $ (173.21) |
| replace | $ 1,794.00 | $ 149.50 | $ 69.00 | $ - | $ 149.50 |
| 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 | $ 65.00 | $ 5.42 | $ 2.50 | $ - | $ 5.42 |
| kids | $ 65.00 | $ 5.42 | $ 2.50 | $ - | $ 5.42 |
| husband | $ 65.00 | $ 5.42 | $ 2.50 | $ - | $ 5.42 |
| MEDICAL 5-10% | |||||
| health care | $ 6,150.00 | $ 512.50 | $ 236.54 | $ 282.45 | $ 230.05 |
| health insurance- med, dent, vis | $ 4,927.78 | $ 410.65 | $189.53 | $ 189.53 | $ 221.12 |
| PERSONAL 5-10% | |||||
| Christmas | $ - | $ - | $ - | $ - | $ - |
| gifts | $ 62.40 | $ 5.20 | $ 2.40 | $ - | $ 5.20 |
| personal, me | $ 91.00 | $ 7.58 | $ 3.50 | $ 3.38 | $ 4.20 |
| personal, kids | $ 871.00 | $ 72.58 | $ 33.50 | $ 46.06 | $ 26.52 |
| personal, husband | $ 91.00 | $ 7.58 | $ 3.50 | $ 3.38 | $ 4.20 |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ 84.92 | $ (28.59) |
| work | $ - | $ - | $ - | $ (463.45) | $ 463.45 |
| RECREATION 5-10% | |||||
| entertainment | $ 96.20 | $ 8.02 | $ 3.70 | $ - | $ 8.02 |
| vacation | $ - | $ - | $ - | $ - | |
| disney | $ 1,300.00 | $ 108.33 | $ 50.00 | $ 50.00 | $ 58.33 |
| DEBT 5-10% | |||||
| husband's student loans | $ 7,052.16 | $ 587.68 | $ 271.24 | $ 587.68 | $ - |
| husband's student loans extra | $ - | $ - | $ - | $ - | |
| NET SPENDING | $ 51,745.16 | $ 4,312.10 | $ 1,990.20 | $ 2,215.49 | $ 2,096.61 |
| DIFFERENCE: NET INCOME/SPENDING | $ 3.94 | $ 0.33 | $ 0.15 | $ 634.90 |
Thursday, April 12, 2018
Budget update
| TOTAL INCOME | $ 56,680.00 | $ 4,723.33 | $ 2,180.00 | $ 3,274.48 | $ 1,448.85 |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 4,930.90 | $ 410.91 | $ 189.65 | $ 424.09 | $ (13.18) |
| NET INCOME | $ 51,749.10 | $ 4,312.43 | $ 1,990.35 | $ 2,850.39 | $ 1,462.04 |
| CHARITY 10-15% | |||||
| fast offering | $ 1,140.00 | $ 95.00 | $ 43.85 | $ 95.00 | $ - |
| tithing | $ 5,668.00 | $ 472.33 | $ 218.00 | $ 327.45 | $ 144.88 |
| SAVINGS 5-10% | |||||
| emergency fund | $ - | $ - | $ - | $ - | $ - |
| kids savings | $ 141.96 | $ 11.83 | $ 5.46 | $ 5.46 | $ 6.37 |
| IRA | $ 6,500.00 | $ 541.67 | $ 250.00 | $ 250.00 | $ 291.67 |
| investments | $ - | $ - | $ - | $ - | $ - |
| HOUSING 25-35% | |||||
| dream home | $ 260.00 | $ 21.67 | $ 10.00 | $ 5.00 | $ 16.67 |
| homeowner's insurance (Jan) | $ 517.00 | $ 43.08 | $ 19.88 | $ - | $ 43.08 |
| Household improvement/ repair | $ - | $ - | $ - | $ - | $ - |
| 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 | $ 919.88 | $ 76.66 | $ 35.38 | $ 77.02 | $ (0.36) |
| power | $ 1,641.12 | $ 136.76 | $ 63.12 | $ 171.93 | $ (35.17) |
| water& trash | $ 1,108.90 | $ 92.41 | $ 42.65 | $ - | $ 92.41 |
| FOOD 5-15% | |||||
| groceries | $ 4,940.00 | $ 411.67 | $ 190.00 | $ 92.87 | $ 318.80 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 342.32 | $ 28.53 | $ 13.17 | $ - | $ 28.53 |
| gasoline- buick and van | $ 2,330.92 | $ 194.24 | $ 89.65 | $ 28.92 | $ 165.32 |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 |
| repair & maintain | $ 780.00 | $ 65.00 | $ 30.00 | $ - | $ 65.00 |
| replace | $ 1,794.00 | $ 149.50 | $ 69.00 | $ - | $ 149.50 |
| 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 | $ 65.00 | $ 5.42 | $ 2.50 | $ - | $ 5.42 |
| kids | $ 65.00 | $ 5.42 | $ 2.50 | $ - | $ 5.42 |
| husband | $ 65.00 | $ 5.42 | $ 2.50 | $ - | $ 5.42 |
| MEDICAL 5-10% | |||||
| health care | $ 6,150.00 | $ 512.50 | $ 236.54 | $ 222.45 | $ 290.05 |
| health insurance- med, dent, vis | $ 4,927.78 | $ 410.65 | $189.53 | $ 189.53 | $ 221.12 |
| PERSONAL 5-10% | |||||
| Christmas | $ - | $ - | $ - | $ - | $ - |
| gifts | $ 62.40 | $ 5.20 | $ 2.40 | $ - | $ 5.20 |
| personal, me | $ 91.00 | $ 7.58 | $ 3.50 | $ 3.38 | $ 4.20 |
| personal, kids | $ 871.00 | $ 72.58 | $ 33.50 | $ 45.22 | $ 27.36 |
| personal, husband | $ 91.00 | $ 7.58 | $ 3.50 | $ 3.38 | $ 4.20 |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ 60.00 | $ (3.67) |
| work | $ - | $ - | $ - | $ (606.19) | $ 606.19 |
| RECREATION 5-10% | |||||
| entertainment | $ 96.20 | $ 8.02 | $ 3.70 | $ - | $ 8.02 |
| vacation | $ - | $ - | $ - | $ - | |
| 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 | $ - | $ - | $ - | $ - | |
| NET SPENDING | $ 51,745.16 | $ 4,312.10 | $ 1,990.20 | $ 996.42 | $ 3,315.68 |
| DIFFERENCE: NET INCOME/SPENDING | $ 3.94 | $ 0.33 | $ 0.15 | $ 1,853.97 |
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