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Budget Planner
Personal budget planner
It’s important to know where you spend your money.Through efficient management of your finances you will be able to plan for your future with confidence. Spending the time to complete a budget planner will help you to take control of your financial situation. To ensure your budget is based on realistic figures keep a written record of all your income and outgoings for at least three months. If you find that your income is greater than your expenses, then you could use these funds to implement a strategy for your future financial security.
Personal Budget Planner
GROSS INCOME Salary, fees and bonuses Superannuation Pension/Annuity Investment income (interest, dividends, etc) Government benefits Other TOTAL GROSS INCOME (A) EXPENSES Living expenses Rent/mortgage Other lease/loan/interest payments Home maintenance Rates and levies (Council, water, etc) Phone(s) (Rental, service and calls) Utilities (Electricity, gas, etc) Food/groceries/household Medical and Pharmaceutical Clothes, shoes, dry cleaning, etc Child care/school fees Household purchases (eg appliances) Other Car/transport Registration/maintenance/repair Fuel Fares Other Insurance and superannuation Home and Contents Life/income continuation/trauma Car/boat/trailer Health Superannuation Business Other Leisure/entertainment Holidays Restaurants/theatre, etc Sports/hobbies/memberships Newspapers/magazines/books/CDs/etc Gifts Other Taxes, fees and charges Fees and duties Tax on income and investments Other TOTAL EXPENSES (B) INCOME MINUS EXPENSES (A) - (B) AMOUNT I WILL SAVE FOR Short term (eg for later months) Medium term (eg time off work) Long term (eg retirement/super) JANUARY FEBRUARY MARCH APRIL MAY JUNE JULY AUGUST SEPTEMBER OCTOBER NOVEMBER DECEMBER ANNUAL TOTAL JANUARY FEBRUARY MARCH APRIL MAY JUNE JULY AUGUST SEPTEMBER OCTOBER NOVEMBER DECEMBER ANNUAL TOTAL
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