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Family Budget Worksheet

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Family Budget Worksheet Powered By Docstoc
					                                   BUDGET WORKSHEET
                                        MONTHLY       MONTHLY
                CATEGORY                                           DIFFERENCE
                                     ACTUAL AMOUNT BUDGET AMOUNT
INCOME:
Wages and Bonuses
Interest Income
Investment Income, Rental income
Miscellaneous Income
Child Support
Alimony


INCOME SUBTOTAL:


EXPENSES:
HOME:
Mortgage or Rent
Homeowners/Renters Insurance
Property Taxes
Home Repairs/Maintenance/HOA Dues
Home Improvements
Service Contracts
Gardening/Lawn
UTILITIES:
Electricity
Water
Gas
Telephone (Land Line)
Cell Phone
FOOD:
Groceries
EATING OUT:
Lunches/Dinners
Take-out/Fast Food
Snacks
Coffee
Alcoholic Beverages
FAMILY OBLIGATIONS:
School Fees/Uniforms
Child Support
Alimony
Day Care, Babysitting
                                         MONTHLY       MONTHLY
               CATEGORY                                             DIFFERENCE
                                      ACTUAL AMOUNT BUDGET AMOUNT


HEALTH AND MEDICAL:
Insurance (Medical, Dental, Vision)
Unreimbursed Medical Expenses, Co-
pays
Fitness (Yoga, Massage, Gym)
TRANSPORTATION:
Car/Bike Payments/Loans
Gasoline/Oil
Car/Bike Repairs and Maintenance
Car/Bike Insurance
Car/Bike License Fees
Other Transportation (Bus, Taxis)
DEBT PAYMENTS:
Credit Cards
Student Loans
Other Loans
ENTERTAINMENT/RECREATION:
Cable TV
Movie Rentals/Purchases
Cinema
Alcoholic Beverages/Entertaining
Computer Expenses/Internet
Hobbies
Sports
Subscriptions and Dues
Vacations
PETS:
Food
Grooming, Boarding, Vet
CLOTHING/SHOES/ACCESSORIES:
Clothing
Shoes
Accessories
INVESTMENTS AND SAVINGS:
Pension
Stocks/Bonds/Mutual Funds
College Fund
Savings
Emergency Fund
                                                       MONTHLY       MONTHLY
                 CATEGORY                                                                                   DIFFERENCE
                                                    ACTUAL AMOUNT BUDGET AMOUNT


MISCELLANEOUS EXPENSES:
Toiletries
Household Products
Gifts/Donations
Grooming (Hair, Make-up, Other)
Cigarettes




TOTAL EXPENSES:
Surplus or Shortage (Income Minus
Total Expenses)



Extra cash left in a checking account has a way of getting spent, so ensure you transfer it to a savings or investment account.

Cash spending is the biggest leak in most budgets. Cash disappears quickly and if you don’t write down everything you spend it
on, you will have a distorted look at your spending.



For expenses incurred more or less often than monthly, convert the payment to a monthly amount
when calculating the monthly budget. For instance, convert auto expense that's billed every six
months to a monthly amount by dividing the six-month premium by six. This money should be kept
separate from your other money so it's available when the bill becomes due.

				
Amber Ortega Amber Ortega
About I am a stay at home mother of three from Rio Rancho, NM.