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"Getting money is like digging with a needle;
spending it is like water soaking into sand."

Japanese Proverb




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How to Make a Budget and Stick to It - A realistic budget is your best weapon against overspending.

Tips from the Budget Stretcher site.

 

 

Budget Worksheet

 
Planned
Actual
Difference
Income      
       
Salary      
Hobby income      
Alimony      
Child Support      
Dividends      
Interest      
Tax Refunds      
Other      
       
Total Income      
       
Expenses      
       

Mortgage / Rent

     
       

Insurance:

     

Auto

     

Life

     

Disability

     

Dental

     

Liability

     

Health

     
Homeowners / Renters
     
Long Term Care
     
       
Taxes:      
Federal
     
State
     
Local
     
Property
     
       
Child Care      
       
Utilities:      
Trash
     
Water
     
Electric
     
Gas
     
       
Communication:      
Internet Connection
     
Phones
     
Cable /Satellite Connection
     
       
Vacations      
       
Education      
       
Household Help      
       
Clothing      
       
Transportation:      
Car Repairs
     
Gas
     
Loan Payment
     
Parking
     
Public Transit Fees
     
       
Entertainment      
       
Food:      
Groceries
     
Restaurants
     
       
Lawn and Garden      
       
Alimony / Child Support      
       
Savings:      
401k
     
College
     
IRA
     
Other
     
       
Pets      
       
Loans:      
Cars
     
Credit Cards
     
Student
     
       
Home Repairs      
       
Furniture / Appliances      
       
Charitable Donations      
       
Hobbies      
       
Personal:      
Haircuts
     
Dry cleaning
     
Other
     
       
Gifts      
       
Charitable Donations      
       
Other      
       
       
       
       
       
       
Total Expenses      

 

 

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