Stocks - The Way To Go - Personal Budget Worksheet

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Personal Budget Worksheet

YOUR BUDGET
A PERSONAL FINANCIAL WORKSHEET

Brought to you by The ETF Investment Research Center

Get a clearer idea of where your money goes each month by putting pen to paper with this simple monthly household budget worksheet. Once you get a birds-eye view of your spending habits, it may be easier to see how some small changes could make a big difference at the end of each month.

INCOME	AMOUNT
Income (Wages, Tips, Etc)
Bonuses, Gifts
Investment Income
Interest Income
Other Income

TOTAL:

EXPENSES …

TYPE	BUDGETED AMT	ACTUAL AMT	DIFFERENCE?
Mortgage Payment and/or Rent
Homeowner’s or Renter’s Insurance
Property Taxes
Homeowners Association Dues
Home Maintenance Expenses
Cleaning Services
Landscaping Services
Pool Maintenance, Etc (Other Services)
-----------------------------------------------------------	----------------------------	--------------------------	-------------------
Oil and/or Natural Gas
Electricity
Water and/or Sewage
Telephone (Land Line)
-----------------------------------------------------------	----------------------------	--------------------------	-------------------
Cellular / Mobile Phone(s)
Internet and/or Cable
Newspaper / Magazines
-----------------------------------------------------------	----------------------------	--------------------------	-------------------
Pets (Food, Litter, Other Expenses)
Pet Care (Grooming, Veterinarian, Boarding)
-----------------------------------------------------------	----------------------------	--------------------------	-------------------
Medical Insurance
Dental Insurance
Vision Insurance
Other Personal Insurance
-----------------------------------------------------------	----------------------------	--------------------------	-------------------
Automobile Payment(s)
Automobile Insurance
Automobile Maintenance / Repairs
Fuel (Gasoline) Expenses
Other Transportation (Tolls, Fares, Etc)
-----------------------------------------------------------	----------------------------	--------------------------	-------------------
Childcare / Babysitting
Tuition or School Fees
Lessons / Clubs (Fees or Dues)
Child Support
Alimony
-----------------------------------------------------------	----------------------------	--------------------------	-------------------
Groceries
Lunches (At Work or School Lunch Plans)
Dinners (Eating Out)
Drinks and Snacks (Coffees, Etc)
-----------------------------------------------------------	----------------------------	--------------------------	-------------------
Entertainment (Movies, Plays, DVDs)
Hobbies (Classes, Team Dues, Etc)
Books / Games / Etc
Activities (Outings, Theme Parks, Bowling, Etc)
Health Club / Gym
Other Dues/Fees (Country Club, Etc)
-----------------------------------------------------------	----------------------------	--------------------------	-------------------
Household Needs (Cleaning Supplies, Etc)
Personal Needs (Toiletries, Etc)
Clothing, Shoes
Grooming (Hair, Makeup, etc)
Other (Miscellaneous Expenses)
-----------------------------------------------------------	----------------------------	--------------------------	-------------------
Elderly Care (Housing Fees, Etc)
Children’s Allowances
Charitable Donations
Church Tithing
Gifts
-----------------------------------------------------------	----------------------------	--------------------------	-------------------
Credit Card Bills
Student Loans
Other Loans
-----------------------------------------------------------	----------------------------	--------------------------	-------------------
401(k) Contributions
IRA Contributions
Stocks / Bonds
Mutual Funds
General Savings
Vacation Savings and/or Vacation
College Fund(s)
Emergency Fund(s)
-----------------------------------------------------------	----------------------------	--------------------------	-------------------
Income tax withheld (federal)
Income tax withheld (state / local)
Medicare tax withheld
Social Security tax withheld
Other withholdings

TOTAL OF DIFFERENCE (+ or -) …

Photocopy this form and use it every month and you’ll most likely begin to clearly see areas in which you’d like to change your spending habits. If at any time you’d like to have me take a look at your financial overview, at no charge, please feel free to contact me at «representativephone» or via email at «representativeemail». I’ll be happy to review these sheets with you at no charge.

* Note: If some of your expenses are NOT billed monthly, simply divide the expense to come up with a monthly amount. For example … if your car insurance is billed every six months and the amount is $600, you’d divide that amount by six and enter “$100” for each month. If your property tax is billed annually and the amount is $3000, you’d divide that amount by 12 and enter “$250” for each month.

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