MONTHLY BUDGET ACTUAL
CATEGORY AMOUNT AMOUNT
DIFFERENCE
INCOME 2000 2000 0
Pay Wages 2000 2000 0
Miscellaneous Income 0 0 0
Income Subtotal 2000
EXPENSES 450 425
Home
Mortgage or Rent 400 400
Homeowners/Renters Insurance 0
Property Taxes 0
Home Repairs/Home Improvements 50 25 25
UTILITIES 155 140 15
Electricity 60 60 0
Water and Sewer 30 30 0
Natural Gas/Oil 0
Telephone (Land Line, Cell) 65 50 15
FOOD 150 130 20
Groceries 100 80 20
Eating Out (Lunches, Snacks, Dinner) 50 50
FAMILY OBLIGATIONS none
Child Care Expenses
HEALTH and MEDICIAL none
Fitness (Yoga, Massage, Gym)
TRANSPORTATION 100 100 0
Car Payments none
Gasoline/Oil
Auto Repairs/Maintenance/Fees
Auto Insurance
Other Transportation 100 100 0
(Tolls, Bus, Taxi, Subway)
DEBT PAYMENTS 200 170 30
Credit Cards 200 170 30
Student Loans none
Other Loans none
ENTERTAINMENT/RECREATION
Cable TV none
Computer Expense none
Hobbies none
Internet 50 50 0
Vacations none
PETS none
Food
Grooming, Boarding, Vet
CLOTHING 100 20 80
New Items 100 20 80
Dry Cleaning none
INVESTMENTS and SAVINGS 350 300 50
Stocks/Mutual Funds
College Fund
Savings 150 150 0
Emergency Fund 200 150 50
MISCELLANEOUS 50 35 15
Toiletries/ Household Products 50 35 15
Gifts/Donations none
Grooming (Hair, Make-up, Other) none
Other Miscellaneous Expense none
TOTAL INVESTMENTS and EXPENSES 1555 1370 185
SURPLUS or SHORTAGE
(Spendable Income Minus Total Expenses and
Investments) SURPLUS
ACTION REQUIRED move surplus money towards saving
