Family Budget Worksheet

Family Budget Worksheet

I. INCOME

Husband Wife Dividends/interest Gifts Bonuses Tax refunds Other

Total

Monthly _______ _______ _______ _______ _______ _______ _______ _______

One Time ________ ________ ________ ________ ________ ________ ________ ________

Annual Total ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________

II. SET EXPENSES & OBLIGATIONS

Tithe Rent or mortgage Second mortgage Electricity Heat/cooling Telephone (not cell) Water & sewer Garbage Child care Education loans Income tax Property tax Home insurance Life insurance Med./dental insurance Disability insurance Auto loan or lease Other installment loans Savings Other

Total

Monthly _______ _______ _______ _______ _______ _______ _______ _______ _______ _______ _______ _______ _______ _______ _______ _______ _______ _______ _______ _______ _______

One Time ________ ________ ________ ________ ________ ________ ________ ________ ________ ________ ________ ________ ________ ________ ________ ________ ________ ________ ________ ________ ________

Annual Total ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________

III. RECAP AND SUMMARY

1. Total income (from I. above) 2. Total set expenses (from II. above) Available funds (Deduct line 2 from line 1)

Monthly _______

_______

_______

IV. VARIABLE EXPENSES

Food Clothing House supplies House furnishings House maintenance Animal care Car gas/maintenance Car license/fees Car tolls/parking Other transportation Cell phones Gifts Medical/dental Prescriptions Cleaners Toiletries Husband personal care Wife personal care Cable TV Internet Magazine/newspaper Eating out Dates/entertainment Baby-sitters Clubs/activities Vacation Other

Total Available funds (from III. Recap*)

Monthly _______ _______ _______ _______ _______ _______ _______ _______ _______ _______ _______ _______ _______ _______ _______ _______ _______ _______ _______ _______ _______ _______ _______ _______ _______ _______ _______ _______ _______

Plus/minus _______

One Time ________

________

________

Annual Total ___________

___________

____________

One Time ________ ________ ________ ________ ________ ________ ________ ________ ________ ________ ________ ________ ________ ________ ________ ________ ________ ________ ________ ________ ________ ________ ________ ________ ________ ________ ________ ________ ________

________

Annual Total ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________ ___________

___________

*If your plus/minus is zero in the Annual Total column, this is your family budget. If you have a plus balance, apply this amount to reducing debts or savings. If you have a minus balance, more work needs to be done on cutting variable expenses. If you still cannot reach a balanced budget, you will have to examine your set expenses to see how you might adjust your style of living to "live within your means."

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