| TOTAL INCOME | $ 52,353.60 | $ 4,362.80 | $ 2,013.60 | $ 2,214.96 | $ 2,147.84 |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 3,341.78 | $ 278.48 | $ 128.53 | $ 143.52 | $ 134.96 |
| NET INCOME | $ 49,011.82 | $ 4,084.32 | $ 1,885.07 | $ 2,071.44 | $ 2,012.88 |
| CHARITY 10-15% | |||||
| fast offering | $ 1,056.00 | $ 88.00 | $ 40.62 | $ 88.00 | $ - |
| tithing | $ 5,235.36 | $ 436.28 | $ 201.36 | $ - | $ 436.28 |
| SAVINGS 5-10% | |||||
| emergency fund | $ - | $ - | $ - | $ - | $ - |
| kids savings | $ 85.80 | $ 7.15 | $ 3.30 | $ - | $ 7.15 |
| retirement | $ 4,711.82 | $ 392.65 | $ 181.22 | $ 199.35 | $ 193.30 |
| HOUSING 25-35% | |||||
| dream home | $ 260.00 | $ 21.67 | $ 10.00 | $ - | $ 21.67 |
| homeowner's insurance (Jan) | $ 518.00 | $ 43.17 | $ 19.92 | $ - | $ 43.17 |
| Household improvement/ repair | $ 250.90 | $ 20.91 | $ 9.65 | $ 82.29 | $ (61.38) |
| appliance replace | $ 214.50 | $ 17.88 | $ 8.25 | $ - | $ 17.88 |
| real estate tax, county (Jun and Dec) | $ 1,210.40 | $ 100.87 | $ 46.55 | $ - | $ 100.87 |
| real estate tax, town (Dec) | $ 217.60 | $ 18.13 | $ 8.37 | $ - | $ 18.13 |
| UTILITIES 5-10% | |||||
| internet | $ 461.40 | $ 38.45 | $ 17.75 | $ - | $ 38.45 |
| phone- cell | $ 236.60 | $ 19.72 | $ 9.10 | $ - | $ 19.72 |
| phone- home | $ 189.12 | $ 15.76 | $ 7.27 | $ - | $ 15.76 |
| power | $ 1,856.66 | $ 154.72 | $ 71.41 | $ - | $ 154.72 |
| water& trash | $ 1,252.16 | $ 104.35 | $ 48.16 | $ - | $ 104.35 |
| FOOD 5-15% | |||||
| groceries | $ 4,576.00 | $ 381.33 | $ 176.00 | $ 115.83 | $ 265.50 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 410.30 | $ 34.19 | $ 15.78 | $ - | $ 34.19 |
| gasoline- buick | $ 789.85 | $ 65.82 | $ 30.38 | $ - | $ 65.82 |
| gasoline- van | $ 1,148.21 | $ 95.68 | $ 44.16 | $ 170.39 | $ (74.71) |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 |
| repair & maintain | $ 1,703.00 | $ 141.92 | $ 65.50 | $ 12.60 | $ 129.32 |
| replace | $ 1,040.00 | $ 86.67 | $ 40.00 | $ - | $ 86.67 |
| taxes, property- county (Dec) | $ 89.55 | $ 7.46 | $ 3.44 | $ - | $ 7.46 |
| taxes, property-town (Dec) | $ 81.44 | $ 6.79 | $ 3.13 | $ - | $ 6.79 |
| CLOTHING 2-7% | |||||
| me | $ 130.00 | $ 10.83 | $ 5.00 | $ - | $ 10.83 |
| kids | $ 234.00 | $ 19.50 | $ 9.00 | $ - | $ 19.50 |
| husband | $ 130.00 | $ 10.83 | $ 5.00 | $ 10.00 | $ 0.83 |
| MEDICAL 5-10% | |||||
| health care | $ 4,160.00 | $ 346.67 | $ 160.00 | $ 346.67 | |
| health insurance | $ 4,564.82 | $ 380.40 | $175.57 | $ 175.57 | $ 204.83 |
| PERSONAL 5-10% | |||||
| Christmas | $ 286.00 | $ 23.83 | $ 11.00 | $ - | $ 23.83 |
| gifts | $ 130.00 | $ 10.83 | $ 5.00 | $ - | $ 10.83 |
| personal, me | $ 78.00 | $ 6.50 | $ 3.00 | $ 21.12 | $ (14.62) |
| personal, kids | $ 1,040.00 | $ 86.67 | $ 40.00 | $ 0.54 | $ 86.13 |
| personal, husband | $ 78.00 | $ 6.50 | $ 3.00 | $ - | $ 6.50 |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ - | $ 56.33 |
| work | $ - | $ - | $ - | $ - | $ - |
| RECREATION 5-10% | |||||
| entertainment | $ 260.00 | $ 21.67 | $ 10.00 | $ 39.84 | $ (18.17) |
| vacation | $ 390.00 | $ 32.50 | $ 15.00 | $ 397.66 | $ (365.16) |
| disney | $ 1,300.00 | $ 108.33 | $ 50.00 | $ - | $ 108.33 |
| DEBT 5-10% | |||||
| my student loans | $ 573.24 | $ 47.77 | $ 22.05 | $ - | $ 47.77 |
| husband's student loans | $ 7,052.16 | $ 587.68 | $ 271.24 | $ - | $ 587.68 |
| husband's student loans extra | $ 251.16 | $ 20.93 | $ 9.66 | $ 207.26 | $ (186.33) |
| NET SPENDING | $ 43,261.99 | $ 3,605.17 | $ 1,885.07 | $ 956.40 | $ 2,648.77 |
| DIFFERENCE: NET INCOME/SPENDING | $ 5,749.83 | $ 479.15 | $ (0.00) | $ 1,115.04 | $ (635.89) |
Monday, July 11, 2016
Budget update
Saturday, July 2, 2016
June's challenge result and July's challenge
We did much better on the personal spending challenge this month than we did on the personal savings challenge last time- we only spent $2.04 the whole month, so that is a savings of $43.96- yay! The new challenge for July is to save on water. We are going on vacation for a week this month, so we'll be ahead of the game not using water here for showers and dishes! There will be the mountains of laundry when we get back though, ha.
Friday, July 1, 2016
Budget update- June's final numbers
| TOTAL INCOME | $ 52,353.60 | $ 4,362.80 | $ 2,013.60 | $ 4,798.83 | $ (436.03) |
| Yearly total | Monthly | Average biweekly | Actual | Difference | |
| INCOME TAX | |||||
| taxes, work | $ 3,264.88 | $ 272.07 | $ 125.57 | $ 268.12 | $ 3.95 |
| NET INCOME | $ 49,088.72 | $ 4,090.73 | $ 1,888.03 | $ 4,530.71 | $ (439.98) |
| CHARITY 10-15% | |||||
| fast offering | $ 1,056.00 | $ 88.00 | $ 40.62 | $ 88.00 | $ - |
| tithing | $ 5,235.36 | $ 436.28 | $ 201.36 | $ 479.89 | $ (43.61) |
| SAVINGS 5-10% | |||||
| emergency fund | $ - | $ - | $ - | $ - | $ - |
| kids savings | $ 85.80 | $ 7.15 | $ 3.30 | $ 6.88 | $ 0.27 |
| retirement | $ 4,711.82 | $ 392.65 | $ 181.22 | $ 375.47 | $ 17.18 |
| HOUSING 25-35% | |||||
| dream home | $ 260.00 | $ 21.67 | $ 10.00 | $ 20.00 | $ 1.67 |
| homeowner's insurance (Jan) | $ 518.00 | $ 43.17 | $ 19.92 | $ - | $ 43.17 |
| Household improvement/ repair | $ 241.28 | $ 20.11 | $ 9.28 | $ (67.00) | $ 87.11 |
| appliance replace | $ 214.50 | $ 17.88 | $ 8.25 | $ - | $ 17.88 |
| real estate tax, county (Jun and Dec) | $ 1,210.40 | $ 100.87 | $ 46.55 | $ 605.20 | $ (504.33) |
| real estate tax, town (Dec) | $ 217.60 | $ 18.13 | $ 8.37 | $ - | $ 18.13 |
| UTILITIES 5-10% | |||||
| internet | $ 461.40 | $ 38.45 | $ 17.75 | $ 38.45 | $ - |
| phone- cell | $ 236.60 | $ 19.72 | $ 9.10 | $ - | $ 19.72 |
| phone- home | $ 189.12 | $ 15.76 | $ 7.27 | $ 15.76 | $ - |
| power | $ 1,856.66 | $ 154.72 | $ 71.41 | $ 101.96 | $ 52.76 |
| water& trash | $ 1,180.14 | $ 98.35 | $ 45.39 | $ 88.15 | $ 10.20 |
| FOOD 5-15% | |||||
| groceries | $ 4,576.00 | $ 381.33 | $ 176.00 | $ 282.47 | $ 98.86 |
| TRANSPORTATION 10-15% | |||||
| car insurance (Jan and Jul) | $ 479.30 | $ 39.94 | $ 18.43 | $ - | $ 39.94 |
| gasoline- buick | $ 830.36 | $ 69.20 | $ 31.94 | $ 103.91 | $ (34.71) |
| gasoline- van | $ 1,207.09 | $ 100.59 | $ 46.43 | $ 135.66 | $ (35.07) |
| registration, buick | $ 39.42 | $ 3.28 | $ 1.52 | $ - | $ 3.28 |
| registration, van | $ 44.42 | $ 3.70 | $ 1.71 | $ - | $ 3.70 |
| repair & maintain | $ 1,703.00 | $ 141.92 | $ 65.50 | $ 102.82 | $ 39.10 |
| replace | $ 1,040.00 | $ 86.67 | $ 40.00 | $ - | $ 86.67 |
| taxes, property- county (Dec) | $ 89.55 | $ 7.46 | $ 3.44 | $ - | $ 7.46 |
| taxes, property-town (Dec) | $ 81.44 | $ 6.79 | $ 3.13 | $ - | $ 6.79 |
| CLOTHING 2-7% | |||||
| me | $ 130.00 | $ 10.83 | $ 5.00 | $ 7.98 | $ 2.85 |
| kids | $ 234.00 | $ 19.50 | $ 9.00 | $ 21.64 | $ (2.14) |
| husband | $ 130.00 | $ 10.83 | $ 5.00 | $ - | $ 10.83 |
| MEDICAL 5-10% | |||||
| health care | $ 4,160.00 | $ 346.67 | $ 160.00 | $ 382.97 | $ (36.30) |
| health insurance | $ 4,564.82 | $ 380.40 | $175.57 | $ 351.14 | $ 29.26 |
| PERSONAL 5-10% | |||||
| Christmas | $ 286.00 | $ 23.83 | $ 11.00 | $ - | $ 23.83 |
| gifts | $ 130.00 | $ 10.83 | $ 5.00 | $ 24.00 | $ (13.17) |
| personal, me | $ 78.00 | $ 6.50 | $ 3.00 | $ - | $ 6.50 |
| personal, kids | $ 1,040.00 | $ 86.67 | $ 40.00 | $ 2.04 | $ 84.63 |
| personal, husband | $ 78.00 | $ 6.50 | $ 3.00 | $ - | $ 6.50 |
| pets | $ 676.00 | $ 56.33 | $ 26.00 | $ 48.98 | $ 7.35 |
| work | $ - | $ - | $ - | $ (666.60) | $ 666.60 |
| RECREATION 5-10% | |||||
| entertainment | $ 260.00 | $ 21.67 | $ 10.00 | $ 4.00 | $ 17.67 |
| vacation | $ 390.00 | $ 32.50 | $ 15.00 | $ 12.26 | $ 20.24 |
| disney | $ 1,300.00 | $ 108.33 | $ 50.00 | $ 100.00 | $ 8.33 |
| DEBT 5-10% | |||||
| my student loans | $ 573.24 | $ 47.77 | $ 22.05 | $ 47.77 | $ - |
| husband's student loans | $ 7,052.16 | $ 587.68 | $ 271.24 | $ 587.68 | $ - |
| husband's student loans extra | $ 241.28 | $ 20.11 | $ 9.28 | $ 95.74 | $ (75.63) |
| NET SPENDING | $ 43,348.47 | $ 3,612.37 | $ 1,888.03 | $ 3,956.08 | $ (343.71) |
| DIFFERENCE: NET INCOME/SPENDING | $ 5,740.25 | $ 478.35 | $ (0.00) | $ 574.63 | $ (96.28) |
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