MONTHLY BUDGET ACTUAL
CATEGORY AMOUNT AMOUNT
DIFFERENCE
INCOME
Pay Wages
Miscellaneous Income
Income Subtotal
EXPENSES
Home
Mortgage or Rent
Homeowners/Renters Insurance
Property Taxes
Home Repairs/Home Improvements
UTILITIES
Electricity
Water and Sewer
Natural Gas/Oil
Telephone (Land Line, Cell)
FOOD
Groceries
Eating Out (Lunches, Snacks, Dinner)
FAMILY OBLIGATIONS
Child Care Expenses
HEALTH and MEDICIAL
Fitness (Yoga, Massage, Gym)
TRANSPORTATION
Car Payments
Gasoline/Oil
Auto Repairs/Maintenance/Fees
Auto Insurance
Other Transportation
(Tolls, Bus, Taxi, Subway)
DEBT PAYMENTS
Credit Cards
Student Loans
Other Loans
ENTERTAINMENT/RECREATION
Cable TV
Computer Expense
Hobbies
Internet
Vacations
PETS
Food
Grooming, Boarding, Vet
CLOTHING
New Items
Dry Cleaning
INVESTMENTS and SAVINGS
Stocks/Mutual Funds
College Fund
Savings
Emergency Fund
MISCELLANEOUS
Toiletries/ Household Products
Gifts/Donations
Grooming (Hair, Make-up, Other)
Other Miscellaneous Expense
TOTAL INVESTMENTS and EXPENSES
SURPLUS or SHORTAGE
(Spendable Income Minus Total Expenses and
Investments)
ACTION REQUIRED