personal budget worksheet
Back | Print | Bookmark

 

YOUR BUDGET
A PERSONAL FINANCIAL WORKSHEET  

 

Brought to you by The Emmaus 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. 

 

 

 

 



 ↑Back to Top