ࡱ> q` ]bjbjqPqP .v::](;;;;;\(H2========GGGGGGG$JIhKtG=====G==G======G==G=={@@== û4;*= @A|G0H@,&L4=R&L@&L@T========GG====H====((( !((( !((( Design a Budget Whether you have debt or not, we strongly recommend that you design a budget together as a couple. Why? Because a budget allows you to control your money rather than the other way around. And its not as bad as you might imagine. It begins by getting an accurate picture of your total income and then deciding how you will allocate it. Of course, this may be revised as circumstances change, but youve got to start somewhere. Heres a budget worksheet that will help you get going: Basic Budget Worksheet: CATEGORYMONTHLY BUDGET AMOUNTMONTHLY ACTUAL AMOUNTDIFFERENCE BETWEEN ACTUAL AND BUDGETINCOME:Wages PaidBonusesInterest IncomeCapital Gains IncomeDividend IncomeMiscellaneous IncomeINCOME SUBTOTALEXPENSES:Mortgage or RentTV CableTelephoneHome Repairs/MaintenanceCar PaymentsGasoline/OilAuto Repairs/Maintenance/FeesOther Transportation (tolls, bus, subway, etc)Child CareAuto InsuranceHome Owners/Renters InsuranceComputer ExpenseEntertainment/RecreationGroceriesToiletries, Household ProductsClothingEating OutGifts/Donations/TitheHealth Care (medical care/dental care/vision, incl. insurance)HobbiesInterest Expense (mortgage, credit cards, fees)Magazines/NewspapersFederal Income TaxState Income TaxSocial Security/Medicare TaxPersonal Property TaxPetsMiscellaneous ExpensesEXPENSES SUBTOTALNET INCOME (INCOME LESS EXPENSES) Heres How to Use This Worksheet: Go through your checkbook or bills for the last two or three months and add and delete categories from the worksheet to fit your expenditures. Think about your hobbies and your habits and be sure to add categories for these expenses. Go through your pay stubs and calculate your average monthly gross pay. Do the same for any interest income, dividends, bonuses or other miscellaneous income. For each expense category, try to determine a budget amount that realistically reflects your actual expenses while setting targeted spending levels that will enable you to save money. If an expense is incurred more or less often than monthly, convert it to a monthly amount when calculating the monthly budget amount. For instance, an auto expense that is billed every six months would be converted to monthly by dividing the six-month premium by six. Once youre comfortable with your expense categories and budgeted amounts, enter expenditures from your checkbook from the last month. Keep track of cash expenditures throughout the month and total and categorize these at the end of each month. Subtotal the income and expense categories. Subtract the total expenses from the total income to arrive at your net income. If the number is negative, your expenses are greater than your income. Your situation can probably be greatly improved by changing your spending habits. After youve tracked your actual spending for a month or two, analyze your spending to identify where you can comfortably make cuts. Once youve got the budgeting process in place, take an in-depth look at your largest spending categories, brainstorm about ways to reduce spending in specific categories and set realistic goals. Keep this in mind: One of the top reasons, if not the top reason, so many people fail at budgeting is attitude. If you think of it as a penny-pinching sacrifice instead of a means for achieving your financial goals and dreams, how long are you likely to stick with it? Many people refuse to budget because of budgetings negative connotation. If youre one of these people, try thinking of it as a spending plan instead of a budget. Its like the difference between going on a diet and eating healthy. One is negative and restrictive; the other is positive and allows you to indulge now and then and still achieve your goals. 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