How to create a BUDGET
Last time we have discussed about the BUDGET Topic, now I am presenting you with How to create a BUDGET Sheet
Kindly spare your time and enter accurate, reliable and neccessary amount for the blocks given below:
Kindly spare your time and enter accurate, reliable and neccessary amount for the blocks given below:
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CATEGORY
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MONTHLY BUDGET AMOUNT
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MONTHLY ACTUAL AMOUNT
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DIFFERENCE
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INCOME:
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Wages and Bonuses
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Interest Income
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Investment Income
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Miscellaneous Income
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Income Subtotal
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Spendable Income
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EXPENSES:
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HOME:
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Mortgage or Rent
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Homeowners/Renters Insurance
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Property Taxes
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Home Repairs/Maintenance/HOA Dues
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Home Improvements
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UTILITIES:
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Electricity
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Water and Sewer
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Natural Gas or Oil
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Telephone (Land Line, Cell)
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FOOD:
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Groceries
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Eating Out, Lunches, Snacks
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FAMILY OBLIGATIONS:
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Child Support
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Alimony
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Day Care, Babysitting
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HEALTH AND MEDICAL:
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Insurance (medical,dental,vision)
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Unreimbursed Medical Expenses,
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Fitness (Yoga,Massage,Gym)
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TRANSPORTATION:
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Car Payments
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Petrol/Oil
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Auto Repairs/Maintenance/Fees
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Auto Insurance
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Other Transportation (tolls, bus, subway,
taxis)
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DEBT PAYMENTS:
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Credit Cards
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Student Loans
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Other Loans
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ENTERTAINMENT/RECREATION:
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Cable TV/Videos/Movies
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Computer Expense
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Hobbies
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Subscriptions and Dues
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Vacations
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PETS:
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Food
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Grooming, Boarding, Vet
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CLOTHING:
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INVESTMENTS AND SAVINGS:
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PPF / NPS
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Stocks/Bonds/Mutual Funds
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Other Investments
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Savings
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Emergency Fund
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MISCELLANEOUS:
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Toiletries, Household Products
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Gifts/Donations
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Grooming (Hair, Make-up, Other)
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Miscellaneous Expense
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Total Investments and Expenses
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Surplus or Shortage (Spendable
income minus total expenses and investments)
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You can also ADD/LESS the blocks according to your BUDGET Style
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 expense by six. This money
should be kept separate from your other money so it's available when the bill
becomes due.
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