A budget is a terrific tool to help you figure out where your money is going, help you live on the money you make, and point you in a direction to help you save for things you want in the future.

Category

Monthly
Budget Amount

Monthly
Actual Amount

Difference

INCOME:

      

Wages

 $ $ $

Bonuses

 $ $ $

Misc. Income

(Child Support, Dividends, Alimony, Interest Income, etc)

 $ $ $

INCOME SUBTOTAL

 $ $ $

 

EXPENSES:

     

Rent or Mortgage

 $ $ $

Utilities:

Gas, Water, Electric, Trash)

 $ $ $

Cable TV

 $ $ $

Telephone

 $ $ $

Home Repairs/Maintenance

 $ $ $

Home Owners/Renters

Insurance

 $ $ $

Car Payment

$ $ $

Gasoline/Oil

$ $ $

Auto Insurance

 $ $ $

Auto Repairs/Maintenence/Fees

$ $ $

Other Transportation

Tolls, Bus, Subway, etc.

 $ $ $

Child Care

 $ $ $

Computer Expense

 $ $ $

Entertainment/Recreation

 $ $ $

Groceries

 $ $ $

Eating Out

 $ $ $

Gifts/Donations

 $ $ $

Health Insurance

 $ $ $

Healthcare

Out-of-Pocket

 $ $ $

Hobbies

 $ $ $

Magazines/Newspapers

 $ $ $

Personal

Haircuts, Cosmetics, Dry Cleaning, Health Club etc

 $ $ $

Taxes

Federal/State Income, Social Security

 $ $ $

Property Tax

 $ $ $

Pets

 $ $ $

Misc. Expenses

 $ $ $

Savings For Goals

 $ $ $

Savings For Retirement

 $ $ $

Debt Repayment

(other than mortgage)

 $ $ $

EXPENSE SUBTOTAL

 $ $ $

 

NET INCOME

(Income Less Expenses)

 $ $ $
 

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