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					Monthly Budget Worksheet from Free Financial Advice
http://www.free-financial-advice.net/


Directions: Fill in the Yellow cells, the rest will be calculated for you automatically.


Results:                                       January         February          March        April
Total Income                                       $0.00            $0.00           $0.00        $0.00
Necessary Expenses                                 $0.00            $0.00           $0.00        $0.00
Discretionary Income                               $0.00            $0.00           $0.00        $0.00
Investment Spending                                $0.00            $0.00           $0.00        $0.00
Discretionary Income less Investments              $0.00            $0.00           $0.00        $0.00
Discretionary Spending                             $0.00            $0.00           $0.00        $0.00
Amount remaining to save or invest                 $0.00            $0.00           $0.00        $0.00



                                               January
Income:
Your Primary Income
Your Spouse's Income
Child Support or Alimony
Social Security Income
Disability Income
Pension Income
Investment Income
Real Estate Investment Income
Business Income
Other Income
Total Income                                        $0.00            $0.00            $0.00      $0.00

Necessary Expenses:
Payroll Taxes
Other income deductions
Rent or Mortgage
2nd Mortgage or Home Equity Loan
Property Taxes
Water
Garbage
Gas & Electric
Auto Insurance
Auto repairs
Food & Groceries (not dining out)
Clothing (necessary)
Telephone (not mobile phone)
Home or Renters Insurance
Healthcare or Insurance Costs
Dental Care or Insurance Costs
Life Insurance Costs
Student Loans
Home Repairs
Home supplies
Dry cleaning
Laundry
Investment Real Estate Expenses
Business Income Expenses
Childcare (daycare & babysitters)
Child & Baby Expenses
Other dependent expenses
Total Necessary Expenses            $0.00   $0.00   $0.00   $0.00


Discretionary Expenses:
Credit Card Bills
Auto Loan (s)
Gasoline
Cable or Satellite TV
Mobile Phone (s)
Home Improvement
Home Security
Garden Supplies
Entertainment (not dining out)
Dining Out
Travel & Vacation
Pets, Pet Care and Pet Food
Clothing (above what's needed)
Internet Access
Computer Costs
Gym membership
Beer & Alcohol
Cigarettes & Tobacco
Total Discretionary Expenses        $0.00   $0.00   $0.00   $0.00


Investment Spending:
401K, 403B deposits
IRA deposits
Employee Stock Plans
Brokerage Deposits
Other
Total Investment Spending           $0.00   $0.00   $0.00   $0.00
May       June       July       August     September    October     November
  $0.00      $0.00      $0.00      $0.00        $0.00       $0.00       $0.00
  $0.00      $0.00      $0.00      $0.00        $0.00       $0.00       $0.00
  $0.00      $0.00      $0.00      $0.00        $0.00       $0.00       $0.00
  $0.00      $0.00      $0.00      $0.00        $0.00       $0.00       $0.00
  $0.00      $0.00      $0.00      $0.00        $0.00       $0.00       $0.00
  $0.00      $0.00      $0.00      $0.00        $0.00       $0.00       $0.00
  $0.00      $0.00      $0.00      $0.00        $0.00       $0.00       $0.00




  $0.00      $0.00     $0.00       $0.00        $0.00       $0.00       $0.00
$0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $0.00




$0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $0.00




$0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $0.00
             Annual
December     Amount        %        Comments
     $0.00      $0.00    #DIV/0!
     $0.00      $0.00    #DIV/0!
     $0.00      $0.00    #DIV/0!
     $0.00      $0.00    #DIV/0!
     $0.00      $0.00    #DIV/0!
     $0.00      $0.00    #DIV/0!   Keep this as low as possible
     $0.00      $0.00    #DIV/0!   Try to keep this percentage above 5%, above 20% is outstanding


             Annual
             Amount     Comments

                $0.00
                $0.00
                $0.00
                $0.00
                $0.00
                $0.00
                $0.00
                $0.00 include expenses from this below
                $0.00 from your own business, include expenses below
                $0.00
     $0.00      $0.00


                $0.00
                $0.00 Do not include insurance or investments here
                $0.00
                $0.00
                $0.00
                $0.00
                $0.00
                $0.00
                $0.00
                $0.00
                $0.00
                $0.00
                $0.00
                $0.00
                $0.00
                $0.00
                $0.00
                $0.00
                $0.00 include necessary furniture, maintenance & cleaning supplies
        $0.00
        $0.00
        $0.00
        $0.00
        $0.00
        $0.00
        $0.00 diapers, baby food, etc.
        $0.00 children's school or college tuition or other necessary expenses
$0.00   $0.00



        $0.00
        $0.00
        $0.00
        $0.00
        $0.00
        $0.00
        $0.00
        $0.00
        $0.00 movies, video rentals, theater tickets, sports tickets, nites on the town, etc.
        $0.00 include lunches at work
        $0.00
        $0.00
        $0.00
        $0.00
        $0.00 money spent on computers, software and games
        $0.00
        $0.00
        $0.00
$0.00   $0.00



        $0.00   Only include fixed monthly or yearly investments here, not your discretionary investing
        $0.00   Only include fixed monthly or yearly investments here, not your discretionary investing
        $0.00   Only include fixed monthly or yearly investments here, not your discretionary investing
        $0.00   Only include fixed monthly or yearly investments here, not your discretionary investing
        $0.00   Only include fixed monthly or yearly investments here, not your discretionary investing
$0.00   $0.00
% is outstanding
he town, etc.




r discretionary investing
r discretionary investing
r discretionary investing
r discretionary investing
r discretionary investing

				
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