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Budget Worksheet

The following worksheet will help you develop your monthly budget. (Divide your annual income and expenses by 12 to get a monthly figure if a monthly figure isn't already available. Some expenses - like utilities - will change throughout the year, so you can use a monthly average.) Rememberů..the more accurate and complete the information you provide, the more accurate your budget will be.

Step 1 - Monthly Income

Take Home Pay
Overtime
Tips
Part-time Jobs
Allowance
Gifts
Other Sources of Income
TOTAL INCOME:

Step 2 - Monthly Expenses

Include as much information as possible - don't leave anything out, no matter how small it may seem. (Those small expenses can add up!)

Household
Mortgage/Rent
Utilities (gas, electric, trash, water)
Telephone and Long Distance
Cable/Satellite TV
Internet Access
Insurance
Cell Phone
Other
Other
Sub-Total:
Food
Groceries
Lunches
Eating Out
Other
Other
Sub-Total:
Transportation
Car Payment(s)
Insurance
Gasoline
Maintenance and Repairs
Public Transportation
Parking/Tolls
Other
Other
Sub-Total:
Healthcare
Doctor
Dentist
Optometrist
Prescriptions
Medical Insurance
Flexible Spending Account Deductions
Other
Other
Sub-Total:
Credit Cards
Mastercard/Visa/Discover
Retail Cards
Gas Cards
Other
Other
Sub-Total:
Education
Tuition
Books
Fees
Parking Permit
Lunch
Other
Other
Sub-Total:
Looking Good
Clothes and Shoes
Toiletries and Cosmetics
Laundry and Cleaners
Hair Care
Gym Dues
Other
Other
Sub-Total:
Just For Fun
Movies and Games
Dates and Trips
Concerts
DVDs and Music
Books, Magazines and Newspapers
Hobbies
Other
Other
Sub-Total:
Miscellaneous
Pet Supplies
Charitable Contributions
Gifts
Other
Other
Sub-Total:
Saving/Investing
Regular Savings
401(k) Contributions
Investment Account(s)
Other
Other
Sub-Total:

TOTAL EXPENSES:

Step 3 - The Bottom Line

Total Income
Total Expenses
Bottom Line
(Income - Expenses)

Is your Bottom Line a positive or negative number? Check out our Budget Basics for advice to increase your Bottom Line.

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