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Year End Totals for 2011

January 2nd, 2012 at 12:51 pm

LAST YEARS GRAND TOTAL INCOME 2011:
*My regular base pay: $18,900.00
*Money from husband: $10,885.00
*My summer beach job: $ 3,379.46
*Income Tax Return: $2,108.00
*House Cleaning: $1,325.00
*Babysitting: $540.00
*Yard Sale and Pawn Shop: $340.00
*Passive Income: $306.73 (This is what I made from doing surveys and rebates)
**GRAND TOTAL INCOME: $37,784.19

YEARLY HOUSEHOLD LIVING EXPENSES 2011:

*Mortgage: $10,800.00 (Remaining on Mortgage: $100,389.09).
*Electric: $1,828.00
*Consumers Gas: $1,725.00
*Cell Phones: $1,167.29
*TV, Internet, Landline: $1,820.63
*Sewer Bill: $233.86
*Homeowners Insurance: $673.00
*Property Taxes: $1,134.58
**TOTAL: $19,382.36

*Groceries: $6,534.59 (includes food and household)
*Water Softener Salt $247.65
*Eating Out: $1,286.84
*House Maintenance: $1,276.90 (Furnace tune-up, new well pump, general maintenance)
*Vacations: $0 (didn't take any vacations this past year)
*Kid's Allowance: $640.00
*Clothing: $357.16
*Christmas: $655.50
*Birthdays: $400.00 (This is for 4 people, $100 budgeted each. Would like to cut this in half)
*Weddings/Graduations/Baby Showers: $174.00
*Memberships: $160.00 (Country Club, State Parks, Costco)
*Medical Costs: $446.33 (Doctor visits and RX. This was what was paid in cash and not put on a credit card, like Care Credit for the dentist)
*Homeschooling: $311.65
*Miscellaneous: $302.86 (stamps, computer ink, games, movies, haircuts, park entry fees, haunted houses, etc.)
**TOTAL: $12,793.48

VEHICLE COSTS:

*Vehicle Insurance: $603.31 (Neon)
*Vehicle Reg. and Tabs: $44.00 (Neon)
*Gas: $1,194.52 (Neon)
*Auto Care: $515.00 (Neon)
**TOTAL: $2,356.83

DEBT: (Credit Cards)

*Freedom Visa: $2,598.45
*Chase Wamu: $3,195.25
*Discover: $4,487.59
*Amazon Visa: $785.62
*Care Credit: $1,882.00
*Art Van: $760.00

**TOTAL CC DEBT: $13,708.91 Didn't get much debt paid off. The difference is I did pay off a doctor bill and a visa that I don't use anymore, but added the Care Credit and Amazon Visa. I did make big progress in the Art Van area, and expect to pay off the Art Van and Care Credit with my income tax return check. That will help in focusing my debt to the remaining four, Discover, Wamu, Freedom and Amazon.

*TOTAL PAID ON CC DEBT: $6,024.61

**GRAND TOTAL SPENT FOR 2011: $40,557.28

Well, my expenses outweigh my income by $2,443.09, which explains why I have no emergency fund left. I will rework my budget to make sure I do better in 2012. Absolutely need to look at cutting back in lots of different categories.

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