| TOTAL INCOME | $ 58,094.40 | $ 4,841.20 | $ 2,234.40 | $ 4,841.28 | $ (0.08) |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 5,044.52 | $ 420.38 | $ 194.02 | $ 298.49 | $ 121.89 |
| NET INCOME | $ 53,049.88 | $ 4,420.82 | $ 2,040.38 | $ 4,542.79 | $ (121.97) |
| CHARITY 10-15% | |||||
| fast offering | $ 1,140.00 | $ 95.00 | $ 43.85 | $ 95.00 | $ - |
| tithing | $ 5,809.44 | $ 484.12 | $ 223.44 | $ 484.13 | $ (0.01) |
| SAVINGS 5-10% | |||||
| emergency fund | $ 520.00 | $ 43.33 | $ 20.00 | $ 40.00 | $ 3.33 |
| kids savings | $ 149.76 | $ 12.48 | $ 5.76 | $ 11.52 | $ 0.96 |
| IRA | $ 6,500.00 | $ 541.67 | $ 250.00 | $ 500.00 | $ 41.67 |
| investments | $ - | $ - | $ - | $ - | |
| HOUSING 25-35% | |||||
| dream home | $ 260.00 | $ 21.67 | $ 10.00 | $ 561.57 | $ (539.90) |
| homeowner's insurance (Jan) | $ 517.00 | $ 43.08 | $ 19.88 | $ - | $ 43.08 |
| Household improvement/ repair | $ 224.64 | $ 18.72 | $ 8.64 | $ 4.21 | $ 14.51 |
| 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 | $ 992.16 | $ 82.68 | $ 38.16 | $ 94.61 | $ (11.93) |
| power | $ 1,843.40 | $ 153.62 | $ 70.90 | $ 94.78 | $ 58.84 |
| water& trash | $ 1,238.38 | $ 103.20 | $ 47.63 | $ 88.37 | $ 14.83 |
| FOOD 5-15% | |||||
| groceries | $ 4,940.00 | $ 411.67 | $ 190.00 | $ 296.99 | $ 114.68 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 342.32 | $ 28.53 | $ 13.17 | $ 171.16 | $ (142.63) |
| gasoline- buick and van | $ 2,614.92 | $ 217.91 | $ 100.57 | $ 224.96 | $ (7.05) |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 |
| repair & maintain | $ 191.62 | $ 15.97 | $ 7.37 | $ - | $ 15.97 |
| replace | $ 379.08 | $ 31.59 | $ 14.58 | $ - | $ 31.59 |
| 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 | $ 11.18 | $ 0.93 | $ 0.43 | $ - | $ 0.93 |
| kids | $ 12.22 | $ 1.02 | $ 0.47 | $ 9.48 | $ (8.46) |
| husband | $ 11.18 | $ 0.93 | $ 0.43 | $ - | $ 0.93 |
| MEDICAL 5-10% | |||||
| health care | $ 6,150.00 | $ 512.50 | $ 236.54 | $ 296.62 | $ 215.88 |
| health insurance- med, dent, vis, disability | $ 4,927.78 | $ 410.65 | $189.53 | $ 379.06 | $ 31.59 |
| PERSONAL 5-10% | |||||
| Christmas | $ - | $ - | $ - | $ - | $ - |
| gifts | $ 13.26 | $ 1.11 | $ 0.51 | $ - | $ 1.11 |
| life insurance | $ 110.00 | $ 9.17 | $ 4.23 | $ - | $ 9.17 |
| personal, me | $ 15.08 | $ 1.26 | $ 0.58 | $ - | $ 1.26 |
| personal, kids | $ 60.84 | $ 5.07 | $ 2.34 | $ 123.70 | $ (118.63) |
| personal, husband | $ 15.08 | $ 1.26 | $ 0.58 | $ 7.35 | $ (6.09) |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ 2.07 | $ 54.26 |
| work | $ - | $ - | $ - | $ 66.93 | $ (66.93) |
| RECREATION 5-10% | |||||
| entertainment | $ 40.56 | $ 3.38 | $ 1.56 | $ - | $ 3.38 |
| vacation | $ 23.40 | $ 1.95 | $ 0.90 | $ - | $ 1.95 |
| RV trip | $ 1,300.00 | $ 108.33 | $ 50.00 | $ 175.00 | $ (66.67) |
| DEBT 5-10% | |||||
| husband's student loans | $ 7,052.16 | $ 587.68 | $ 271.24 | $ 587.68 | $ - |
| husband's student loans extra | $ 2,820.00 | $ 235.00 | $ 108.46 | $ 235.00 | $ - |
| NET SPENDING | $ 53,049.98 | $ 4,420.83 | $ 2,040.38 | $ 4,588.64 | $ (176.98) |
| DIFFERENCE: NET INCOME/SPENDING | $ (0.10) | $ (0.01) | $ (0.00) | $ (45.85) |
Thursday, July 26, 2018
Budget update
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