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					Monthly Expenses
Expense Lawn Electric Auto Insurance Commander DATCU Trash CenturyTel/Phone Mortgage Truck Payment DirecTV Water/Sewer Netflix Charter Internet Cell phones Sparkletts Gas Bill Tithe Wellspring Academy Envelopes Budgeted Date Due 75.00 1 350.00 4 152.19 7 246.89 9 55.59 10 120.00 10 1,108.00 15 373.40 15 107.00 17 30.09 20 5.35 21 60.71 22 160.00 24 30.00 24 50.00 25 245.00 30 448.00 1,400.00 5,017.22

Sample Budget

Pay Period:
1. BILLS
Budgeted Actual

to
Due Paid

2. ENVELOPES Groceries Gasoline Entertainment Spending Money Household Exp. Kids' Expenses Clothing Miscellaneous Envelopes Total

Budgeted

Actual

0.00

0.00

Bills Total 3. INCOME Paycheck Other Income Source Other Income Source Income Total

0.00
Budgeted

0.00
Actual

0.00

0.00

4. BALANCE Income - Bills - Envelopes = Balance

Budgeted

Actual

0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00

Step 1: Enter all bills that are due THIS PAY PERIOD, along with amount due (estimate this if you have to). Step 2: Decide how much to put in your envelope categories, and enter that (customize your own categories). Step 3: Estimate your TAKE-HOME pay. This is net pay, after taxes and all withdrawals. Enter other income. Step 4: Fill the envelopes with the amounts you've set. When the money runs out, STOP SPENDING. Step 5: Pay your bills and use your envelopes. You should be able to predict how much you'll have left over at the end of the pay period. Put this money in savings, invest it, or pay down debt, then do the whole thing over again for next pay period.

NOTE: This spreadsheet already has mathematical formulas built in, so it will total everything up for you. You can save it as a document on your computer, then customize it for your needs. The budget worksheet for a family of five will look a lot different from the budget worksheet for a college student or a single professional. Tinker with it until it's just right for you. Refine it month after month until it's tight and workable.

Sample Budget


				
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posted:11/1/2009
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