| June 2023 YTD | Revenue | Expense | Net Income/(Loss) |
| Actual | $181,494 | $155,911 | $25,583 |
| Plan | $163,950 | $148,714 | $15,236 |
Note: Not included above is a $13,235 non-cash asset write-off of original playground equipment removed in June 2023.
Through June, giving is ahead of our plan driven by families who have paid their full year commitment. This favorability will gradually diminish in the second half, based on historical patterns.
Expenses are higher than our plan but much of this is also timing. We had computer and phone related expenses that should not occur in the back half. We paid ahead on our property insurance. And personnel costs have run a bit higher than expected due to increased activity around Lent and Vacation Bible School. We anticipate much of this to level out over the summer and fall.
On balance, Revenue less Expense is more favorable than we had planned at this time. Recall that our plan included additional funding for call related expense and extra mortgage principal payment in the second half. As a result, we still expect to end the year at breakeven.