In September, we were blessed with an incredible income month and a higher than expected expense month (see spreadsheet screenshot).

Our total income in September was $23,057.55.  In addition to our regular paychecks, I received a monthly bonus of $1,950 gross ($1,084.39 net) and my wife received a quarterly bonus $15,000 gross ($9,664.54 net). My wife also received $848.14 in auto allowance / mileage reimbursements and $46.99 in internet reimbursements.  We earned $2.81 in interest income from our savings accounts.

This month, our expenses totaled $16,131.03.  Honestly, we thought we did better and were surprised to see such a large figure.  Big ticket items include $1,107 in doctor bills and prescriptions,$575 in car registration, and $1,800 in tithes.

Next month, we will probably have a more standard income and expense month. 

In August, we were blessed with a good income month and a low expense compared to what we usually average (see spreadsheet screenshot).

Our total income in August was $12,751.80. In addition to our regular paychecks, I received a monthly bonus of $1,950 gross ($1,084.40 net) and my received $549.55 in auto allowance / mileage reimbursements and $44.99 in internet reimbursements. We earned $0.01 in interest income from our savings accounts.

This month, our expenses totaled $12,465.59. It’s such a blessing to have spent so much less two months in a row! Big ticket items include $834 in boat property tax and $951 in household items.

Next month, my wife should receive a large quarterly bonus that we hope to put into savings.

July was a good income month and a very low expense (see spreadsheet screenshot).

Our total income in July was $15,757.70.  In addition to our regular paychecks, I received a monthly bonus of $3333.33 gross ($1,853.35 net) and my wife received a discretionary bonus of $500 gross ($331.12 net).  My wife received $1,763.04 in auto allowance / mileage reimbursements and $44.99 in internet reimbursements.  We earned $0.01 in interest income from our savings accounts.

This month, our expenses totaled $12,494.20.  A much more reasonable amount compared to the last couple of months!  Big ticket items include $252.45 in entertainment, $400 in house maintenance and $305 in eye doctor visits/contacts.

Next month, we hope to keep our expenses down, especially since it will be a lower income month.

June was a good income month, however, our expenses were almost as bad as last month (see spreadsheet screenshot).

Our total income in June was $19,165.79.  In addition to our regular paychecks, I received a monthly bonus of $1,458.33 gross ($810.96 net) and my wife received a quarterly bonus of $10,750 gross ($5,966.93 Net).  My wife received $1,127.98 in auto allowance / mileage reimbursements and $44.99 in internet reimbursements.  We earned $0.76 in interest income from our savings accounts.

This month, our expenses totaled $19,268.10.  Not good!  Big ticket items include $1,440 purse, $1,786 home insurance for year, and $904 in doctor visits and prescriptions.

Next month we hope to get our spending back in line.  It should be a good income month because I receive my quarterly bonus.

May was a good income month however our expenses were insane (see spreadsheet screenshot).

Our total income in May was $14,645.28.  In addition to our regular paychecks, I received a third “extra” paycheck and a monthly bonus of $1,666.66 gross ($926.83 net).  My wife received $947 in auto allowance / mileage reimbursements, $644.99 in internet reimbursements and $76.80 in her side hustle.  We earned $7 in interest income from our savings accounts.

This month, our expenses totaled $24,152.17.  Big ticket items include $3,850 in home improvements, $5,126 in household items, $1,594 in doctor boat repair.

Next month should be a large income month because my wife earned a $10K bonus (gross)!

April was a good income month however our expenses were nearly identical to our income (see spreadsheet screenshot).

Our total income in April was $13,899.59.  In addition to our regular paychecks, I received a monthly bonus of $3,560.58 gross ($1,980.04 net) and my wife received a discretionary bonus of $1,250 gross ($757.96 net).  My wife also received a $531.31 auto allowance / mileage reimbursements and $44.99 in internet reimbursements.  We earned $18.49 in interest income from our savings accounts.

This month, our expenses totaled $13,895.75.  Big ticket items include $1,681 in household items, $736 in doctor visits/prescriptions and $344 in personal care.

Next month should be a large expense month because we have concrete work in our backyard to the tune of $4K and a boat repair that could cost ~$2K.

March was an incredible income month and our expense were reasonable considering we enjoyed a long overseas vacation (see spreadsheet screenshot).

Our total income in March was $24,745.31.  In addition to our regular paychecks, I received a monthly bonus of $1,750 gross ($973.18 net) and a $450 auto allowance.  My wife also received a quarterly bonus of $19,431.32 gross ($10,829.36 net), $1,540.87 auto allowance / mileage reimbursements and $44.99 in internet reimbursements.  We received a $205 insurance refund and earned $12.49 in interest income from our savings accounts.

This month, our expenses totaled $16,493.20.  Big ticket items include $2,100 extra mortgage payments, $1,327 in vacation (not including food), and $2,300 in tithe.

Next month, I should receive decent quarterly bonus and we don’t have any large expenses planned.

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 ☹ 

December was an outstanding income month and a lower than usual expense month (see spreadsheet screenshot).

Our total income in December was very good at $23,684.28.  In addition to our regular paychecks, I received a monthly bonus of monthly bonus $1,332.08 gross ($778.82 net) and a $450 auto allowance.  My wife also received $10,193 gross ($6,482.51 net) quarterly bonus, $3,150 special company bonus (on a credit card), a $641.50 auto allowance / mileage reimbursement, and $44.99 in reimbursements.  We also received an unexpected $843.71 California state tax refund.  Very nice surprise!  We earned $8.63 in interest income from our savings accounts.

This month, our expenses totaled $17,963.81.  Big ticket items include $1,922 in furniture, $1,945 in giving (tithe and gifts), and $293.17 in vacation.

Next month might be a bit of a tight income month as neither my wife or I expect to receive much in the way of bonuses.  That being said, 2018 ended on a high note income-wise!

November was another a great income month and a lower than usual expense month (see spreadsheet screenshot).  Best of all, we learned that my wife will keep her job and not be part of her company’s layoff.

Our total income in October was $15,665.25.  In addition to our regular paychecks, I received a third “extra” paycheck.  I also received a monthly bonus of $1,250 gross ($730.82 net), $450 auto allowance and $100 holiday gift card.  My wife also received a $923.10 auto allowance / mileage reimbursement, $100 gift card, and $44.99 in reimbursements.  We earned $5.75 in interest income from our savings accounts.

This month, our expenses totaled $13,848.45.  Big ticket items include $436 in car service, $535 in gifts, and $473 in clothing.

Next month, my wife will receive ~$12K in bonuses and I should receive a solid monthly bonus too.  Hope to improve our savings balance with this money ?