January was a better income month than expected but our expense exceeded our income (see spreadsheet screenshot).

Our total income in January was $14.905.77.  In addition to our regular paychecks, I received a monthly/quarterly combined bonus of $3,458.33 gross ($2,579.37 net) and a $450 auto allowance.  My wife also received a bonus of $2,804.69 gross ($1,579.75 net), a $681.67 auto allowance / mileage reimbursement, and $44.99 in reimbursements.  We earned $12.32 in interest income from our savings accounts.

This month, our expenses totaled $15,874.39.  Lower than last month but too high for our income this month. Big ticket items include $685 in annual life insurance, $547 in medical/dental visits, and $442.07 in clothing/accessories.

Next month we may have a big bill for some water damage in our ceiling ☹