Week Ending 02.17.13 Budget, Actual

Posted: February 18, 2013 in Budgets

It’s simply amazing to me how much one or two little things can throw off a budget – in our case here it was a drastic difference in the income…my goodness I was off big time for both of us, my initial numbers showed about $100.00 more coming in that what we actually got, while this didn’t change the budgetary items we needed (i.e. gas, groceries, etc.) it did function to alter how much will be going out next week, it hurts to do that, but it’s the truth of our situation.  Living paycheck-to-paycheck and hand-to-mouth really hurts when something is altered, especially when that something is this dramatic, so here’s our actual numbers:

Again this first set is the line-item breakdown of our finances where they are currently:

On Friday 02.15.13 our paychecks were such:

 $  538.88 Lara
 $  180.66 Jimmy
 $  719.54
Avail  $  736.28  This is the dollar amt avail after payroll is deposited
 $    89.00 02/15, TKD, Auto-Draft
 $  647.28
 $  124.06 02/15, AT&T Payment Due
 $  523.22
 $       5.00 02/18, OT Solutions, Austin’s Co-Pay
 $  518.22
 $       5.00 02/18, CCA, Credit Coll. Agency, Auto-Draft
 $  513.22
 $       5.00 02/20, LabCorp, Auto-Draft
 $  508.22
 $    65.20 02/20, State Farm, Car Insurance, Auto-Draft
 $  443.02
 $       7.99 02/21, Hulu.com, Auto-Draft
 $  435.03
 $  170.00 Groceries
 $  265.03
 $    35.00 Gas
 $  230.03
 $    20.00 Jimmy’s Allowance – Bus $ & Cigs
 $  210.03
 $    25.00 Dinner 02/15, Pizza @ Incredible’s Pizza
 $  185.03
 $    20.00 Clothes For Kids
 $  165.03 Remaining for Bills to be Paid 02/22/13

This second set of numbers is with the Gas, Groceries, Jimmy’s Allowance, Dinner and Clothes for the Kids (totaling  $270.00, had to take out $280.00 due to the ATM only dispensing in amount multiples of $20.00) in a lump sum cash withdrawal:

 $  736.28
 $    89.00 02/15, TKD, Auto-Draft
 $  647.28
 $  124.06 02/15, AT&T Payment Due
 $  523.22
 $       5.00 02/18, OT Solutions, Austin’s Co-Pay
 $  518.22
 $       5.00 02/18, CCA, Credit Coll. Agency, Auto-Draft
 $  513.22
 $       5.00 02/20, LabCorp, Auto-Draft
 $  508.22
 $    65.20 02/20, State Farm, Car Insurance, Auto-Draft
 $  443.02
 $       7.99 02/21, Hulu.com, Auto-Draft
 $  435.03
 $  280.00 Cash for Groceries, Gas, Jimmy’s $ & Dinner 02/15/13
 $  155.03 Remaining for Bills to be Paid 02/22/13

Let’s just hope next week we bring in slightly more…

Lesson Learned: Can’t bank everything in predictions or rather forecasting.

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