Tuesday, May 4, 2010

Tackle it Tuesday Yearly projection of budget

Tackle it Tuesday



My Sweet Girl gets her braces off today


 We (bless God) with a lot of hard work will be paying it off in full today!


 A freezer and deep freeze inventory as well as pantry sets me to know what lead in adds to keep watch for in order to use the grocery budget most wisely.

an inventory on all medications was also accomplished this week


By utilizing our insurance mail order plan we are able to get three months  (90 day with three refills) benefit. It is important to keep an eye here. I have over purchased before when a refill was made prematurely.


The over flow was also inventoried.
These are the lead ins that with coupons were pennies on the dollar.
We will not need any shampoo that's for sure for the rest of the year.


 Last night four hours were invested into our budget for the full year. In order to fully know where we will stand. On months with extra months that were lean or under the funds were held to cover the following month. The grocery budget reduced (a real discipline here to cook more and more) a menu weekly does truly make a difference.
I have tried to make a copy of the type of spreed sheet I use being a bit computer knowledge limited I did my best
Our budget has now been projected out through December. This way we have placed every cent to a designed place. If one month is short we use the prior month to cover it by cutting out expenses or cutting them down asap.This my friends is a great discipline and it has great rewards.
We are out of debt!
Except the mortgage.
This year we tightened the boot strings even more by taking a 22 year mortage down to a 15 year.
We are forced to find an extra $150 to cover the increased pmt.
Rather than adding $150 to the principal we were able to refinance for almost 1% point under (in our case for free). With a refund due to escrow overage.




 PLAN  Goals / Due by  actual/debit   actual/cash  Date pd. / Chk #
cash on hand #DIV/0! #DIV/0!
child one savings




child two savings




Pay Pal chking online purchases  $                    -  
 $                   -  


Total 

 $                                -  


TOTALS
TOTAL ALL CATEGORIES

 $                   -  


ALLOCATION REMAINING











 PLAN INCOME 
 ACTUAL INCOME 
Deposit Date
Paycheck 1 Paycheck 1 lowest average
Paycheck 2
Paycheck 2

Paycheck 3
(May, Oct) Paycheck 3

Non taxed - Other pay 1
Other pay 1

Non taxed - Other pay 2
Other pay 2

Deposits from envelopes
Deposits from envelopes

overage from prio month to cover shortfall
Deposits from envelopes

Pay pal Checking (Auto deposit from paychk) Pay pal Checking

Refunds / reimbursements
Refunds / reimbursements

Federal Tax Refund
Federal Tax Refund

State Tax Refund
State Tax Refund

TOTAL INCOME  $                    -   TOTAL INCOME  $                   -  








CHARITABLE GIFTS (10-15%) #DIV/0! Range:$0 - $0  $                   -  


SAVINGS (5-10%) #DIV/0! Range:$0 - $0  $                   -  


HOUSING (25-35%) #DIV/0! Range:$0 - $0


UTILITIES (5-10%) #DIV/0! Range:$0 - $0


TRANSPORTATION (10-15%) #DIV/0! Range:$0 - $0


MEDICAL / HEALTH (5-10%) #DIV/0! Range:$0 - $0


FOOD (5-15%) #DIV/0! Range:$0 - $0


PERSONAL (5-10%) #DIV/0! Range:$0 - $0


CLOTHING (2-7%) #DIV/0! Range:$0 - $0  $                   -  


RECREATION (5-10%) #DIV/0! Range:$0 - $0


cash on hand

 $                   -  


TOTAL  $                   -  


Investments




401K




two




three




four




five










remainder end of month goal? 3 mo. Fund


Lay off fund expences for 3 months
HOUSING (25-35%) #DIV/0! Range:$0 - $0 #DIV/0!
Mortgage




Mortgage Late Fees




Additional Principle




Repairs to house / Furnishings




Home maintenance




Replace Furn/Appliances/Decor




Yard / Garden Maintenance




Yard / Garden Purchase




Bedroom Carpet / kitchen flooring



TOTAL  $                    -  
 $                   -  


ALLOCATION REMAINING  $                                 -  
 $                                -  


UTILITIES (5-10%) #DIV/0! Range:$0 - $0 #DIV/0!
SRP electricity




City of Mesa Water / Trash




Cox Phone / Internet




Easy news
Auto debit


TOTAL  $                    -  
 $                   -  


ALLOCATION REMAINING  $                                 -  
 $                                -  


FOOD (5-15%) #DIV/0! Range:$0 - $0 #DIV/0!
Grocery ($200 cash on hand)




Week1




Week2




Week3




Week4




Week5




Stockpile




Birthdays/celebrations




Holidays/parties/vacation
thanksgiving


Restaurants




Dog Food




Chicken Food




School Lunches




Steve's Lunches
petty cash


Supplements




Memberships




TOTAL  $                    -  
 $                   -  


ALLOCATION REMAINING  $                                 -  
 $                                -  


PERSONAL (5-10%) #DIV/0! Range:$0 - $0 #DIV/0!
Life Ins -wife chk $? yr. due 00/00/10
to envelope $/12  ???   To Envelopes 
LIFE Ins Co. Pmt


 To Envelopes 
Life Ins - husbands yr. due ?00/00/10
to envelope $?/12 = $?  ??? 

Life Ins Co. pmt




IRA National Finance annual fee (retirement mgmt) ?/yr, due Dec


Allowance 4x$5 -child 1


when fund are able
Allowance 4x$5 -child 2


when fund are able
Pocket Cash (Petty Cash)




Educational Expenses




School Supplies & Expenses




School Photos / Field Trips




Adult Education




Library fines




Gifts (Aniv,Hol,Christmas) SAVE FOR CHRISTMAS


Gifts (our birthdays,adopt day)




Gifts (to give, bday,wedding,etc)
make gifts


Hobby / Crafts / Sewing




Postage / Shipping & Handling




Computer fund hrdwr/sftwr




Hair Care / Cosmetics




Toiletries




Pet Supplies




Chicken (pine shavings)
Wal mart $7 lg bag


Dogs (license)
Chk $52 yrly due Aug '10


Miscellaneous




Subscriptions - Magazines




Financial Purchases




TOTAL  $                    -  
 $                   -  


ALLOCATION REMAINING  $                                 -  
 $                                -  


CLOTHING (2-7%) #DIV/0! Range:$0 - $0 #DIV/0!
Adults




Children




TOTAL  $                    -  
 $                   -  


ALLOCATION REMAINING  $                                 -  
 $                                -  


SAVINGS (5-10%) #DIV/0! Range:$0 - $0 #DIV/0!
Emergency Fund (12k/3mo)
savings (cush) in bank
NO TOUCH!
Emergency Fund ($1000)




child 1 Savings


education
child 2 Savings


education
TOTAL  $                    -  
 $                   -  


ALLOCATION REMAINING  $                                 -  
 $                                -  


CHARITABLE GIFTS (10-15%) #DIV/0! Range:$0 - $0 #DIV/0!
Cash




Non deductible




Non-cash




TOTAL  $                    -  
 $                   -  


ALLOCATION REMAINING  $                                 -  
 $                                -  


TRANSPORTATION (10-15%) #DIV/0! Range:$0 - $0 #DIV/0!
Car Ins ($? yr $? Qty) / monthly
to env


auto ins Pmt 
due Oct, Jan, Apr, Jul


Deductible ($1000)


in case of acciden have enough to cover it 
License and Registration




vehicle one ?/ 12)
due Apr 2011


Vehicle two ?/12
due Jan


Trailer
 due Jun 2010


Emissions Test
Chk $30 yr approx


vehicle one ?/ 12)




Vehicle two ?/12




Gas




wk1 Honda
debit


wk2 Honda
debit


wk3 Honda
debit


wk4 Honda
debit


wk5 Honda




wk1 Chevy
debit


wk2 Chevy
debit


wk3 Chevy
debit


wk4 Chevy
debit


wk5 Chevy
debit


Travel




Trip 1




Trip 2




Oil




Tires




Repairs




Honda




Chevy




Camper




Additional Purchase for




Honda




Chevy




Camper




TOTAL  $                    -  
 $                   -  


ALLOCATION REMAINING  $                                 -  
 $                                -  


RECREATION (5-10%) #DIV/0! Range:$0 - $0 #DIV/0!
Entertainment




Admissions




Media, Movies, Games




Vacation




Pet / Estate care




TOTAL  $                    -  
 $                   -  


ALLOCATION REMAINING  $                                 -  
 $                                -  


MEDICAL / HEALTH (5-10%) #DIV/0! Range:$0 - $0 #DIV/0!
Doctor
 copay for an er visit


1 husband
debit


2 wife
debit


3 child one
debit


4 child two
debit


Dentist




1 husband
debit


2 wife
debit


3 child one
debit


4 child two
debit


Optometrist
$15 copay?


1 husband
debit


2 wife
debit


3 child one
debit


4 child two
debit


Drugs




husband rx
debit $? every 3 mo.


wife rx
debit $? every 3 mo.


child one rx
mail ord $? every 3 mo.


child two rx
mail ord$?every 3 mo.


RX
mail ord$?every 3 mo.


RX
mail ord $? every 3 mo.


RX
mail ord $? Every 3 mo.


RX
mail ord $? every 3 mo.


RX
mail ord$?every 3 mo.


RX
mail ord$?every 3 mo.


RX
mail ord$?every 3 mo.


RX
mail ord$?every 3 mo.


RX
monthly


Non-mail order
debit


Non-prescription
Tylenol, cold misc














Vet Exams
exams


Shots/med, nail trim $15 ea










shots ($18 ea, due 12/9,rabies due 8/9) shots due Nov,rabies 3yr


TOTAL  $                    -  
 $                   -  


ALLOCATION REMAINING  $                                 -  
 $                                -  


MEDICAL DEBT / EXPECTED DEBTS #DIV/0! #DIV/0!
(braces)




unpaid medical 




I can not get rid of this color!











































































































































































































































































































































































































































































































































































































































































1 comment:

Denise said...

Praying for you.

Older women likewise teach the younger women...

• how to love their husbands
• how to love their children
• how to be self-controlled
• how to be pure
• how to be keepers at home
• how to be kind and submissive (not subservient) to their own husbands. (See Titus 2:3-5)

Blog Archive

By Maya Angelou

'A woman's heart should be so hidden in Christ
That a man should have to seek Him first to find her.'

When I say... 'I am a Christian' I'm not shouting 'I'm clean living,'
I'm whispering 'I was lost, Now I'm found and forgiven.'

When I say... 'I am a Christian' I don't speak of this with pride.
I'm confessing that I stumble and need Christ to be my guide.

When I say... 'I am a Christian' I'm not trying to be strong.
I'm professing that I'm weak and need His strength to carry on.

When I say.. 'I am a Christian' I'm not bragging of success.
I'm admitting I have failed and need God to clean my mess.

When I say... 'I am a Christian' I'm not claiming to be perfect,
My flaws are far too visible, but God believes I am worth it.

When I say... 'I am a Christian' I still feel the sting of pain...
I have my share of heartaches, so I call upon His name.

When I say... 'I am a Christian' I'm not holier than thou,
I'm just a simple sinner Who received God's good grace, somehow!

Words have power. Here are a few of my favorite sayings.

  • A warm cup of tea is like a cuddle with a friend.
  • The North American Indians have a more eloquent word for ‘friend’ than we do in English. In their language, the word for friend literally means, “the one who carries my sorrows on his back.”
  • Return with Honor
  • The sage anticipates things that are difficult while they are easy, and does things that would become great while they are small. All difficult things in the world are sure to arise from a previous state in which they were easy, and all great things from one in which they were small. Therefore the sage, while he never does what is great, is able on that account to accomplish the greatest things."
  • "HOME IS WHERE YOUR STORY BEGINS"
  • “Live so that when your children hear these words they think of you… Fairness Caring Integrity Honesty Love Trust.”
  • "O Lord help my words to be gracious and tender today, for tomarrow I may have to eat them."
  • "No man has ever been shot while doing the dishes"

Click here for all crafts

e patterns My sister told me of this site

Please pray for her parents and family

Please pray for her parents and family
Amy has clicked her heals and flown to her real home. There is no place like home.

This was given to me for the third time in just a few weeks.

Zephaniah 3:17 NLT
"For the LORD your God has arrived to live among you. He is a mighty savior. He will rejoice over you with great gladness. With his love, he will calm all your fears. He will exult over you by singing a happy song."

Thank You Ross

Getting to know Me

What warm hearts you all offer

Thank you all for the kindness you have shown me with every Award. I am embraced. You Are a blessing.

Thank you Michelle

Thank you Michelle

Thank you Annette they are beautiful
Thank You Annette
Autism Awareness