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household-budget-spreadsheet

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					Personal Budget Calculator 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:                                      Monthly          Yearly           %
Total Income                                     $0.00            $0.00       #DIV/0!
Necessary Expenses                               $0.00            $0.00       #DIV/0!
Discretionary Income                             $0.00            $0.00       #DIV/0!
Investment Spending                              $0.00            $0.00       #DIV/0!
Discretionary Income less Investments            $0.00            $0.00       #DIV/0!
Discretionary Spending                           $0.00            $0.00       #DIV/0!
Amount remaining to save or invest               $0.00            $0.00       #DIV/0!


                                              Monthly         Annual
                                              Budget          Amount        Comments
Income:
Your Primary Income                                $0.00           $0.00
Your Spouse's Income                               $0.00
Child Support or Alimony                                           $0.00
Social Security Income                                             $0.00
Disability Income                                                  $0.00
Pension Income                                                     $0.00
Investment Income                                                  $0.00
Real Estate Investment Income                                      $0.00 include expenses from this below
Business Income                                                    $0.00 from your own business, include expenses below
Other Income                                                       $0.00
Total Income                                       $0.00           $0.00

Necessary Expenses:
Payroll Taxes                                                      $0.00
Other income deductions                                            $0.00 Do not include insurance or investments here
Rent or Mortgage                                                   $0.00
2nd Mortgage or Home Equity Loan                                   $0.00
Property Taxes                                     $0.00
Water                                                              $0.00
Garbage                                                            $0.00
Gas & Electric                                                     $0.00
Auto Insurance                                                     $0.00
Auto repairs                                                       $0.00
Food & Groceries (not dining out)                                  $0.00
Clothing (necessary)                                               $0.00
Telephone (not mobile phone)                                       $0.00
Home or Renters Insurance                          $0.00
Healthcare or Insurance Costs                                      $0.00
Dental Care or Insurance Costs                                     $0.00
Life Insurance Costs                                               $0.00
Student Loans                                                      $0.00
Home Repairs                                $0.00 include necessary furniture, maintenance & cleaning su
Home supplies                               $0.00
Dry cleaning                                $0.00
Laundry                                     $0.00
Investment Real Estate Expenses             $0.00
Business Income Expenses                    $0.00
Childcare (daycare & babysitters)           $0.00
Child & Baby Expenses                       $0.00 diapers, baby food, etc.
Other dependent expenses                    $0.00 children's school or college tuition or other necessary ex
Total Necessary Expenses            $0.00   $0.00


Discretionary Expenses:
Credit Card Bills                           $0.00
Auto Loan (s)                               $0.00
Gasoline                                    $0.00
Cable or Satellite TV                       $0.00
Mobile Phone (s)                            $0.00
Home Improvement                            $0.00
Home Security                               $0.00
Garden Supplies                             $0.00
Entertainment (not dining out)              $0.00 movies, video rentals, theater tickets, sports tickets, nite
Dining Out                                  $0.00 include lunches at work
Travel & Vacation                   $0.00
Pets, Pet Care and Pet Food                 $0.00
Clothing (above what's needed)              $0.00
Internet Access                             $0.00
Computer Costs                      $0.00           money spent on computers, software and games
Gym membership                              $0.00
Beer & Alcohol                              $0.00
Cigarettes & Tobacco                        $0.00
Total Discretionary Expenses        $0.00   $0.00


Investment Spending:
401K, 403B deposits                         $0.00 Only include fixed monthly or yearly investments here, n
IRA deposits                        $0.00         Only include fixed monthly or yearly investments here, n
Employee Stock Plans                        $0.00 Only include fixed monthly or yearly investments here, n
Brokerage Deposits                          $0.00 Only include fixed monthly or yearly investments here, n
Other                                       $0.00 Only include fixed monthly or yearly investments here, n
Total Investment Spending           $0.00   $0.00
             Comments




            Keep this as low as possible
            Try to keep this percentage above 5%, above 20% is outstanding




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




Do not include insurance or investments here
include necessary furniture, maintenance & cleaning supplies




diapers, baby food, etc.
children's school or college tuition or other necessary expenses




movies, video rentals, theater tickets, sports tickets, nites on the town, etc.
include lunches at work




money spent on computers, software and games




Only include fixed monthly or yearly investments here, not your discretionary investing
Only include fixed monthly or yearly investments here, not your discretionary investing
Only include fixed monthly or yearly investments here, not your discretionary investing
Only include fixed monthly or yearly investments here, not your discretionary investing
Only include fixed monthly or yearly investments here, not your discretionary investing

				
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posted:5/18/2012
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