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 ?

October was a great income month and a high expense month (see spreadsheet screenshot).

Our total income in October was $16,986.62.  In addition to our regular paychecks, my wife received a $2,250 gross ($1,524.87 net) supplemental bonus and a $250 gift card.   I received a monthly bonus of $2,708.33 gross ($1,583.47 net). My wife also received a $1,370.46 auto allowance / mileage reimbursement and I received a $450 auto allowance. We earned $5.87 in interest income from our savings accounts.

This month, our expenses totaled $15,334.35.  Big ticket items include $1,986.66 in vacation costs, $2,332.03 in household stuff, and $169.68 in skin care stuff for my wife.

Next month, my wife will learn if she is part of a nationwide layoff at her company.  We’re optimistic that she will avoid the cut but she is looking into other options, just in case.

September was an amazing income month and a very high expense month (see spreadsheet screenshot).

Our total income in September was $20,260.50.  In addition to our regular paychecks, my wife received a quarterly bonus of $10,159.17 gross ($5,964.95 net) and I received a monthly bonus of $1,666.66 gross ($977.19 net).  My wife also received a $1,524.78 auto allowance / mileage reimbursement and I received a $450 auto allowance. We earned $5.89 in interest income from our savings accounts.

This month, our expenses totaled $17,977.27.  Big ticket items include $609 boat registration bill, $127.37 in clothing, and $2,323 in vacation costs.

Next month, my I should receive a quarterly bonus ?

July was a great income month and a very reasonable expense month (see spreadsheet screenshot).

Our total income in July was $16,699.83. In addition to our regular paychecks, I also received a monthly bonus of monthly bonus $5,289.32 gross ($3,094.21 net) and my wife received a special discretionary bonus of $900 gross ($685.61 net) . My wife also received a $1,391.98 auto allowance / mileage reimbursement and I received a $450 auto allowance. We earned $4.07 in interest income from our savings accounts.

This month, our expenses totaled $12,602.63. Big ticket items include $158.29 in gifts, $199.33 in furniture, and $120.37 for entertainment (concert).

Next month my wife my get a very large quarterly bonus and I should receive a decent monthly bonus. Hopefully our expenses can stay low.

June was a great income month but and a bad expense month (see spreadsheet screenshot).

Our total income in June was $14,940.21.  In addition to our regular paychecks, I received third “extra” paycheck.  I also received a monthly bonus of monthly bonus $1,791.67 gross ($1,047.51 net) and my wife received a quarterly bonus of $2,946.00 gross ($1,662.37 net).  My wife also received a $851.06 auto allowance / mileage reimbursement and I received a $450 auto allowance. We earned $5.31 in interest income from our savings accounts.

This month, our expenses totaled $16,635.22.  Big ticket items include $3,427.79 in appliances, $364.73 in auto repairs, and $206.24 for vacation.

Next month I hope we can do better.

May was an great income month but we spent almost exactly the same about we made, which isn’t good (see spreadsheet screenshot). Our total income in May was $13,221.19. In addition to our regular paychecks, I received a monthly bonus of $916.67 gross ($535.94 net). My wife also received a $1,506.38 auto allowance / mileage reimbursement and I received a $450 auto allowance. We earned $5.16 in interest income from our savings accounts.

This month, our expenses totaled $13,205.18. Big ticket items include $902.35 in misc items, $437.63 in clothing, and $248.78 in medical/prescriptions.

Next month we both should get a few thousand in bonuses and I will receive a 3rd “extra” paycheck.

April was a great income month and thankfully, a reasonable expense month (see spreadsheet screenshot).

Our total income in April was $17,284.35. In addition to our regular paychecks, I received a monthly/quarterly bonus of $5,733.27 gross ($3,352.01 net) and my wife received special bonus of $797.00 gross ($696.60 net). My wife received a $1,851.04 auto allowance / mileage reimbursement and I received a $450 auto allowance. Our Federal tax refund was $426. We earned $5.99 in interest income from our savings accounts.

This month, our expenses totaled $13,355.44. Big ticket items include $409.66 for boat “stuff”, $380 in clothing, and $230 in personal care (wife’s hair and nails).

Next month may be a light income month because neither one of us expects much in the way of bonuses.