FREE BUDGET FORMS
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But in order for your budget to work, it must be written down on paper and you must provide as much detailed information as possible. This includes your net income or take home pay and any outside source of income. Also all your fixed expenses (mortgage or rent, car payments, auto insurance, cable, internet service, trash pickup, credit card payments) and variable expenses (utilities, groceries, gasoline, entertainment, retirement or college savings, eating, gifts an so on.)
If after subtracting all your expenses from your income you come up with a negative number, you will need to work on cutting off or reducing your household expenses immediately.
The secret to success is having discipline to spend less money than you make. You must learn to live within your means and start a saving and investment plan as soon as you get out of red. Our free budget forms can help you accomplish that goal.
Free Budget Forms - Sample Household Planning
MONTHLY GROSS INCOME
Salary and wages 1:
Salary and wages 2:
Spouse Salary:
Bonuses and Fringe Benefits:
Child Support:
Alimony:
Social Security:
Worker’s Comp:
AFDC:
Retirement Income:
Disability Payments:
Unemployment:
Dividends:
Gifts Received:
Rental Income:
Interest Income:
Business Income:
Investing:
Income:
Other income:
TOTAL GROSS INCOME_________________________________________
Income Deductions
Health Insurance:
Savings:
401K:
Other Deductions:
TOTAL DEDUCTIONS__________________________________________
Total Gross Income minus Total Deductions________________________
MONTHLY AVAILABLE INCOME_________________________________
Housing Expenses
Rent:
Renters Insurance:
Mortgage:
Home Insurance:
Property Taxes:
Repairs:
Front/Backyard Care:
Other:
TOTAL HOUSING EXPENSES______________________________________
Utilities
Water:
Gas:
Heat:
Electric:
Phone:
Garbage:
Sewer:
Cable:
Internet:
Cell Phone:
Other:
TOTAL UTILITIES_____________________________________________
Children
Allowances:
Babysitting:
Camps:
Child Support:
Daycare:
Diapers:
Formula:
Recreation:
Sports Fees:
School Tuition:
School Supplies:
School Photos:
Team Fees:
Tutoring:
Other:
TOTAL CHILD EXPENSES________________________________________
Financial
Auto Loan #1:
Auto Loan #2:
Bank Loan #1:
Bank Loan #2:
Student Loans:
Credit Card #1:
Credit Card #2:
Credit Card #3:
Credit Card #4:
School Loans:
Bank Fees:
Safety Deposit Fees:
Other:
TOTAL FINANCIAL EXPENSES____________________________________
Transportation
Gasoline:
License Renewal:
Auto Insurance:
Maintenance:
Tires:
Oil Changes:
Tolls:
Taxi:
Bus Fare:
Other:
TOTAL TRANSPORTATION_______________________________________
Health
Doctor:
Dental:
Eye Care:
Annual Physical:
Prescriptions:
Glasses:
Health Insurance:
Life Insurance:
Other:
TOTAL HEALTH EXPENSES______________________________________
Household
Groceries:
Cleaning Goods:
Office Supply:
Pet Care:
Pet Boarding:
Vaccinations:
Supplies:
Other:
TOTAL HOUSE EXPENSES_______________________________________
Personal
Eating Out:
Clothing:
Haircuts:
Nails:
Salon:
Health Club:
Entertainment:
Movies:
Hobbies:
Magazines:
Newspapers:
Dues/memberships:
Gifts Given:
Charity:
Spending Cash:
Other:
TOTAL PERSONAL EXPENSES____________________________________
All Monthly Expenses
Housing:
Utilities:
Children:
Financial:
Transportation:
Health:
Household:
Personal:
TOTAL MONTHLY EXPENSES___________________________________
INCOME_____________________________________________________
minus
EXPENSES___________________________________________________
GRAND TOTAL_______________________________________________
Personal Financial Statement Sample
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