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 |
|
|
|
| |
|
|
|
| Medical
Expenses |
|
|
|
|
Co-payments
|
|
|
|
|
Glasses
/ Contacts
|
|
|
|
|
Prescriptions
|
|
|
|
|
OTC
Meds
|
|
|
|
| |
|
|
|
| Other
|
|
|
|
|
|
|
|
| |
|
|
|
| |
|
|
|
| |
|
|
|
| |
|
|
|
| |
|
|
|
| Total
Expenses |
|
|
|
Tips
to make your budgeting process smoother -
1.
In order to identify all of your expenses in the coming year,
review your check register and charge bills in order to jog
your memory. You might even want to go back in time a few
years. One expense I almost forgot to budget for this year
was tree trimming, because I only have it done every other
year or so.
2.
Don't forget little expenses you may pay cash for like Starbuck's
coffees, stamps, newspapers, magazines and gum. They all add
up!
3.
Once you have entered your income and expenses, if you are
like many people your expenses will be too high compared to
your income. Keep going over each line item to see where you
can cut back.
Have you compared insurance rates lately? If not you might
be paying too much. Can you cut out annual magazine subscriptions
and just download interesting articles from the Internet to
read instead, or borrow books from the library? Can you take
a sack lunch to work instead of eating out? Go over each line
item starting with the biggest expenses first, and see where
you can cut back.
Home
| Contact Us | Disclaimer
and Terms of Use | Privacy
Policy
Site
Map
Copyright
2004 - 2012 Always Frugal. All
rights reserved.
|
