PERSONAL MONTHLY BUDGET WORKSHEET
Income
Expenses - Continued
Current
Revised
Current
Revised
Take-home pay
$
$
Subtotal From Left
Overtime
$
$
Transportation
Tips
$
$
car payment
$
$
Other
$
$
repairs & maintenance
$
$
Other
$
$
gas, parking, commuting
$
$
Other
$
$
insurance, taxes, license
$
$
Other
$
$
Health
Other
$
$
medical insurance & doctors
$
$
Other
$
$
perscriptions, dentist, eye care
$
$
Total Income
$
bank credit cards
$
$
store & gas credit cards
$
$
other
$
$
hobbies, sports
$
$
-
$
-
Expenses
Current
$
-
$
-
Credit
Just for Fun
Revised
Housing
rent or mortgage
$
$
newspspers, books, movies, etc.
$
$
maintenance & repairs
$
$
vacations
$
$
property taxes & insurance
$
$
Other
Charity
$
$
Utilities
cable TV bill
$
$
education (books, tuition, etc.)
$
$
electric, gas, water, trash
$
$
gifts (birthdays, holidays)
$
$
telephone, cellular
$
$
pets (food & care)
$
$
$
Other
Food
groceries, snacks
$
$
anything not already listed
$
eating out (lunches&dinners)
$
$
Total Expenses
$
-
$
-
clothes, toiletries, hair care
$
$
Total Income From Left
$
-
$
-
laundry, dry cleaning
$
$
Subtotal These Expenses
$
Total Expenses From Above
$
-
$
-
Income Minus Expenses
$
-
$
-
Personal Care
-
$
-
THE MOMENT OF TRUTH
ARE YOUR EXPENSES LESS THAN YOUR INCOME? GREAT! You are careful with your money.
ARE THE AMOUNTS EQUAL, BUT ONLY BECAUSE YOU USE CREDIT? Are you making ends meet because you're regularly using credit for what you
need and want? Maybe you're only making the minimum payments each month. You may need to look at how you use credit.
ARE YOUR EXPENSES MORE THAN YOUR INCOME? You could be headed for disaster! You will need to cut your expenses and you may need to talk
with a financial professional to help you before you get behind or into too much debt.
ARE YOUR EXPENSES AND INCOME EQUAL? You may be getting by living paycheck-to-paycheck. But what about sudden and unexpected expenses
or needs? How can you begin a regular savings plan? How do you get started?
E-LN-9 (2/10/09)
Member FDIC, Equal Housing Lender