MoneyManagement101.org
|
Personal Budget Planner |
|
|
|
Estimated Monthly |
|
|
Amount |
|
Rent |
|
|
Electric,
Heat, Water Utilities |
|
|
Renters
insurance |
|
|
Home
Telephone |
|
|
Cellular
Phone Service |
|
|
Cable TV |
|
|
Household
Repairs & Maintenance |
|
|
Auto
Payment |
|
|
Auto
Repair & Maintenance (estimate per year & divide by 12) |
|
|
Auto
Insurance |
|
|
Gasoline
and/or public transportation |
|
|
Clothes
& shoes |
|
|
Groceries |
|
|
Restaurants
|
|
|
Entertainment
& dating: movies, events, video rentals,etc. |
|
|
Health
Care: premiums, co-pays, prescriptions, dental, glasses/contacts, etc. |
|
|
Personal
Products: hygiene, contact lenses solutions, colognes, etc |
|
|
Personal
Care: hair cuts, manicures, etc. |
|
|
Gym
Membership |
|
|
Charity
Contributions |
|
|
Internet
Access |
|
|
Apartment
Furnishings (estimate you annual purchases & divide by 12) |
|
|
Interest
on Credit Cards |
|
|
Miscellaneous |
|
|
College/Tech
Training Bills: tuition, books, etc. |
|
|
Gifts
(holidays, birthdays, graduations, flowers) |
|
|
Vacations/Weekends
away |
|
|
Computer/Software/Electronics
etc (estimate you annual purchases & divide by 12) |
|
|
Loan
payments to pay back family, others |
|
|
Money to
be saved for a house, 401K, or to build up liquidity |
|
|
Total
monthly expenses |
$ |
|
|
|
|
My
estimated monthly AFTER TAX income |
$ |
|
|
|
|
The
difference equals your monthly excess cash flow or shortfall |
$ |
The expense categories are only a guideline, you will have other expenses which
are not outlined above.
You may print out the budget worksheet and manually write in your estimates and
totals.
You need to get the input of your parents in estimating expenses.