BUDGET MANAGER

I am
Updated: 2026-10-16 16:48:47
Reallocation Pool (Over-Budgeted) 671.20/mo
Deficit Pressure (Under-Budgeted) -3,396.48/mo
Net Monthly Impact (All Adjusted) -2,725.28/mo
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Category Current Budget 24-Mo Avg Spend 24-Mo Median 10% Winsorized 20% Winsorized Discrepancy (Budget - Avg) Overage Freq Actions
▼ 0.5 SURPLUS
Tax Refund
0.00 20.83 0.00 0.00 0.00 -20.83
4%
1/24 mos
▼ 01.0 TITHE
Tithe
550.00 638.76 569.30 593.43 577.34 -88.76
58%
14/24 mos
Mission trips
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
▼ 03.0 HOME
Mortgage
1,016.45 931.75 1,016.45 1,016.45 1,016.45 +84.70
0%
0/24 mos
Property Taxes
185.00 280.43 0.00 270.88 0.00 -95.43
12%
3/24 mos
Home Repair & Maintenance
200.00 228.82 34.77 183.53 131.26 -28.82
62%
15/24 mos
Lawn & Garden
75.00 110.89 33.20 89.23 67.23 -35.89
46%
11/24 mos
Household - Cleaning products
35.00 36.14 32.80 35.05 33.87 -1.14
50%
12/24 mos
Household - Office supplies
20.00 27.33 15.70 23.83 22.08 -7.33
46%
11/24 mos
Household - Supplies
80.00 136.95 104.06 127.19 116.90 -56.95
71%
17/24 mos
Toiletries
65.00 73.30 55.51 71.21 66.40 -8.30
42%
10/24 mos
Terminix
31.17 30.00 0.00 0.00 0.00 +1.17
8%
2/24 mos
Mosquito spray service
46.50 41.01 0.00 0.00 0.00 +5.49
8%
2/24 mos
Appliances
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
Household setup/replacement
20.00 143.13 0.00 0.00 0.00 -123.13
8%
2/24 mos
Rental property expenses
50.00 443.41 0.00 217.49 0.00 -393.41
17%
4/24 mos
▼ 04.0 BILLS & UTILLITES
Electricity
150.00 156.72 157.28 154.92 155.29 -6.72
54%
13/24 mos
Internet
90.00 85.96 84.00 85.25 85.25 +4.04
71%
17/24 mos
Internet Other
5.00 5.36 0.00 1.12 0.00 -0.36
12%
3/24 mos
Mobile Phone
105.00 108.64 105.06 105.40 105.04 -3.64
67%
16/24 mos
Propane
10.00 2.93 0.00 2.93 0.00 +7.07
12%
3/24 mos
Trash Collection
22.62 21.14 0.00 21.14 19.67 +1.48
33%
8/24 mos
Fees
20.00 74.32 18.31 70.47 52.78 -54.32
50%
12/24 mos
▼ 05.0 FOOD & DINING
Groceries
500.00 529.17 568.00 529.75 529.43 -29.17
29%
7/24 mos
Restaurants and fast food
150.00 176.21 142.69 176.87 177.89 -26.21
62%
15/24 mos
▼ 06.0 CLOTHING
Clothing - Kids
40.00 55.90 28.75 52.61 43.62 -15.90
46%
11/24 mos
Clothing - Adults
30.00 41.57 8.01 39.10 32.49 -11.57
46%
11/24 mos
▼ 07.0 VEHICLE
Gas
200.00 256.35 235.06 239.30 231.58 -56.35
67%
16/24 mos
Car wash
8.00 10.90 5.00 9.92 7.46 -2.90
50%
12/24 mos
Car repair & maintenance
75.00 217.28 19.15 179.96 131.02 -142.28
46%
11/24 mos
State inspection
5.00 3.66 0.00 1.70 0.00 +1.34
12%
3/24 mos
Vehicle property tax & registration
12.00 30.69 0.00 23.46 0.00 -18.69
17%
4/24 mos
Tolls
5.00 0.42 0.00 0.00 0.00 +4.58
4%
1/24 mos
Vehicle purchase
0.00 9.32 0.00 0.00 0.00 -9.32
4%
1/24 mos
▼ 08.0 HEALTH CARE
Doctor
500.00 704.38 347.54 601.05 478.59 -204.38
58%
14/24 mos
Pharmacy
175.00 176.65 163.38 171.28 159.11 -1.65
50%
12/24 mos
OTC - Pharmcy
50.00 59.42 51.43 55.39 55.48 -9.42
50%
12/24 mos
Dentist
50.00 182.46 0.00 138.33 82.77 -132.46
42%
10/24 mos
Eyecare
20.00 20.17 0.00 7.38 0.00 -0.17
12%
3/24 mos
Orthodontist
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
Counselling
200.00 13.50 0.00 0.00 0.00 +186.50
4%
1/24 mos
Sexual health
20.00 0.22 0.00 0.00 0.00 +19.78
4%
1/24 mos
▼ 09.0 INSURANCE
Life insurance
118.34 118.34 118.34 118.34 118.34 0.00
0%
0/24 mos
Homeowners insurance
175.00 200.00 0.00 0.00 0.00 -25.00
8%
2/24 mos
Auto insurance
209.13 253.08 224.17 245.63 248.80 -43.95
83%
20/24 mos
Identity theft insurance
12.00 12.08 0.00 0.00 0.00 -0.08
8%
2/24 mos
Long-Term care
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
▼ 10.0 MINISTRY EXPENSES
PD - Food
20.00 4.27 0.00 0.00 0.00 +15.73
4%
1/24 mos
PD - Transportation
20.00 41.19 0.00 0.00 0.00 -21.19
8%
2/24 mos
PD - Lodging
30.00 8.74 0.00 0.00 0.00 +21.26
4%
1/24 mos
PD - Materials
5.00 14.05 0.00 0.00 0.00 -9.05
8%
2/24 mos
PD - Other
10.00 0.00 0.00 0.00 0.00 +10.00
0%
0/24 mos
Correspondence
30.00 14.02 0.00 10.05 7.26 +15.98
17%
4/24 mos
Gifts for supporters
5.00 4.80 0.00 2.41 0.00 +0.20
17%
4/24 mos
Equipment replacement
25.00 54.12 0.00 0.00 0.00 -29.12
4%
1/24 mos
Phone replacement
0.00 42.44 0.00 0.00 0.00 -42.44
8%
2/24 mos
Conferences
0.00 14.90 0.00 0.00 0.00 -14.90
8%
2/24 mos
Home office
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
WBT
0.00 879.21 31.14 575.73 440.92 -879.21
54%
13/24 mos
WBT (possible)
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
▼ 11.0 PERSONAL CARE
Pet food & supplies
15.00 4.08 3.22 3.92 3.89 +10.92
0%
0/24 mos
Hair
15.00 2.08 0.00 0.00 0.00 +12.92
4%
1/24 mos
Babysitting
25.00 0.00 0.00 0.00 0.00 +25.00
0%
0/24 mos
▼ 12.0 EDUCATION - KIDS
Education - Kids
275.00 216.90 62.63 134.48 127.96 +58.10
50%
12/24 mos
College expenses
0.00 331.20 0.00 191.91 75.41 -331.20
29%
7/24 mos
College visits
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
▼ 13.0 GIFTS FOR OTHERS
Gifts for others - BD and Christmas
80.00 67.84 7.91 53.75 49.77 +12.16
33%
8/24 mos
Gifts for others - Misc
80.00 73.42 48.94 69.27 63.68 +6.58
42%
10/24 mos
▼ 13.0 GIFTS IN OUR FAMILY
Gifts in our family
55.00 79.98 58.80 71.47 63.53 -24.98
50%
12/24 mos
▼ 14.0 RECREATION
Family entertainment (fm)
70.00 91.54 69.00 70.29 75.65 -21.54
46%
11/24 mos
Kids' extracurricular
20.00 12.66 0.00 0.00 0.00 +7.34
8%
2/24 mos
Dates
40.00 3.30 0.00 0.00 0.00 +36.70
0%
0/24 mos
Jaars pool pass
3.62 0.00 0.00 0.00 0.00 +3.62
0%
0/24 mos
Bike repair and replacment
20.00 0.00 0.00 0.00 0.00 +20.00
0%
0/24 mos
General travel (Not work related)
125.00 133.75 0.00 70.48 30.12 -8.75
25%
6/24 mos
Special event
20.00 35.21 0.00 23.82 7.82 -15.21
25%
6/24 mos
TEC
50.00 43.46 0.00 26.90 14.91 +6.54
25%
6/24 mos
Retreats
0.00 5.83 0.00 0.00 0.00 -5.83
4%
1/24 mos
Vacation
100.00 0.00 0.00 0.00 0.00 +100.00
0%
0/24 mos
20th anniversary
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
Getaways
0.00 17.25 0.00 0.00 0.00 -17.25
4%
1/24 mos
Boys' PNG trip
0.00 63.87 0.00 0.00 0.00 -63.87
4%
1/24 mos
▼ 15.0 BD AND PERSONAL FUNDS
Danny's BD and personal spending
0.00 104.31 55.97 67.24 60.05 -104.31
92%
22/24 mos
Becca's BD and gift money to spend
0.00 9.52 0.00 6.36 0.70 -9.52
21%
5/24 mos
Anna's BD and gift money to spend
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
Joshua's BD and gift money to spend
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
Wesley's BD and gift money to spend
0.00 2.82 0.00 0.00 0.00 -2.82
8%
2/24 mos
Gift money
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
▼ 16.0 MISCELLANEOUS
YNAB
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
Tiller Money
5.00 4.92 0.00 0.00 0.00 +0.08
8%
2/24 mos
Books
10.00 8.04 0.00 6.35 4.28 +1.96
25%
6/24 mos
Arbonne
0.00 58.40 0.00 58.26 57.12 -58.40
38%
9/24 mos
Federal taxes due
0.00 17.50 0.00 0.00 0.00 -17.50
4%
1/24 mos
Needs to be split
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
Miscellaneous
30.00 4.67 0.00 1.52 0.00 +25.33
4%
1/24 mos
▼ 16.5 MISCELLANEOUS - OTHER
Rug and gifts in Istanbul
0.00 50.86 0.00 0.00 0.00 -50.86
4%
1/24 mos
CPAP AirMini
0.00 40.00 0.00 0.00 0.00 -40.00
4%
1/24 mos
▼ 17.0 UNSURE OR UNKNOWN
Unsure how to categorize
0.00 1.66 0.00 0.00 0.00 -1.66
8%
2/24 mos
Not able to verify or remember category
0.00 15.17 0.00 13.99 9.02 -15.17
29%
7/24 mos
Intentionally left uncategorized
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
One-time unusual expense
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
▼ 18.0 REIMBURSABLE EXPENSE
Reimbursable expense
0.00 19.52 0.00 3.79 0.08 -19.52
21%
5/24 mos
Purchased and returned
0.00 26.31 0.00 23.36 20.63 -26.31
46%
11/24 mos
▼ 19.0 CASH & ATM
Cash & ATM
40.00 13.88 0.00 7.50 3.33 +26.12
8%
2/24 mos
▼ 20.0 FEES & CHARGES
Foreign transaction fee
0.00 0.00 0.00 0.00 0.00 0.00
0%
0/24 mos
Tax preparation fee
16.50 16.33 0.00 0.00 0.00 +0.17
8%
2/24 mos