Your Money Makeover: Budgeting Worksheet
                                                Fill in your income/expense amounts in the boxes shaded in orange. The spreadsheet will automatically 
                                                                                    calculate the rest for you.
                             INCOME
                                                MONTHLY NET SPENDABLE INCOME                                                                 0
                             EXPENSES
                                                HOUSING EXPENSES
                                                Monthly Payments
                                                Rent or Mortgage
                                                Utilities:                                                                                   0
                                                Gas:                   Water:             Energy:
               Set money aside each month for  Cable:                  Phone:             Internet:
                     annual expenses  ®         *Insurance
                                                Repairs
                                                Taxes
                                                Total                                                                                        0
                                                CAR EXPENSES
                                                Loan Payment(s)
                                                Gas
               Set money aside each month for  Insurance
                  future and/or unexpected 
                        expenses  ®             *Maintenance & Repairs
                                                Total                                                                                        0
                                                DEBTS
                                                Other Loan                  Total Balance:
                                                Other Loan                  Total Balance:
                                                Other Loan                  Total Balance:
                                                Credit Card Debt            Total Balance:
                                                Credit Card Debt            Total Balance:
                                                Student Loan Debt           Total Balance:
                                                Total                                                                                        0
                                                MISCELLANEOUS
                                                Cell Phone
                                                Church Tithes & Offerings/Charitable                                                         0
                                                Groceries
                                                Meals Out
                                                Childcare
                                                School Tuition/Supplies
                                                Medical Bills and CoPays/Prescription
                                                Pet Supplies & Vet Exams
               Homeowner's Associate, Fitness,  Entertainment, Video Rentals
                           etc. ®               *Club Dues
                                                Newspaper, Magazine Subscriptions
                                                Clothing
                                                Haircuts
                                                Gifts
                                                Cash
                                                Other
                                                Total                                                                                        0
                             MONTHLY EXPENSE TOTALS
                             Housing                                                                                                         0
                             Car                                                                                                             0
                             Debts                                                                                                           0
                             Miscellaneous                                                                                                   0
             Total Expenses                                  0
             MONTHLY SURPLUS OR SHORTAGE                     0