Sheet 1: My Personal Spending List

	
	
	
	
	
	
	
	

		


		


	
	

		
My Personal Spending List
		


	
	

		
 1. List EVERYTHING on which you spend money - consistent monthly bills, flexible bills, things you spend with your "cash" and wants
		


		


		


		


		


		


	
	

		
2. Categorize your spending using these topic options: B= Fixed Bills, FB = Flexible Bills, and S =  Personal Spending/Wants. 
		


		


		


		


		


		


	
	

		
3. Note the due dates.
		


		


		


		


		


		


	
	

		
4. List the monthly amount. For those flexible expenses, think about the average you spend each week and multiply by four. 
		


		


		


		


		


		


	
	

		
5. Assign each expense to an account type. For example Bills, Savings/Reserves, Spending, Grocery, Etc. 
		


		


		


		


		


		


	
	

		
6. Evaluate each expense and determine any amount you want to reduce for the month. Note adjusted amounts
		


		


		


		


		


		


	
	

		
Name of Expense
		
Category = B, FB, S
		
Due Date
		
Monthly Amount 
		
Adjusted Monthly Amount
		
Expense Type 
		


	
	

		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


	
	

		


		


		


		


		


		

 
		
		
	

		


		


		


		


		


		
	

		


		


		


		


		


		
	

		
Total 
		


		


		


		


		
	

		


		


		


		


		


		

 




Sheet 2: Monthly Budget List

	
	
	
	
	

		
Complete your budget, considering your must-pays (fixed expenses) first, then your other bills. Don't forget about your bills that only come around once a year! Budget for 3 months at a time, so you know what's coming next. 
		


		


		


	
	

		
        Monthly Household Budget                                      
		
		
Monthly Amount (Net)
		
Monthly Amount (Net)
		
Monthly Amount (Net)
	
	

		
SOURCES OF INCOME
		


		


		


	
	

		
Employment (Primary)
		


		


		


	
	

		
Employment (Secondary)
		


		


		


	
	

		
Alimony or Child Support
		


		


		


	
	

		
Other 
		


		


		


	
	

		
TOTAL MONTHLY INCOME
		
 $-   
		
 $-   
		
 $-   
	
	

		


		


		


		


	
	

		
SUMMARY OF EXPENSES
		


		


		


	
	

		
Housing
		


		


		


	
	

		
   Mortgage
		


		


		


	
	

		
   Rent 
		


		


		


	
	

		
   Property Taxes
		


		


		


	
	

		
   HOA Fee
		


		


		


	
	

		
   Homeowners/Renters Insurance
		


		


		


	
	

		
   House Repairs/Maintenance
		


		


		


	
	

		
   Other
		


		


		


	
	

		
Total Housing
		
 $-   
		
 $-   
		
 $-   
	
	

		


		


		


		


	
	

		
Utilities
		


		


		


	
	

		
   Gas - Vectren
		


		


		


	
	

		
   Water/Sewer
		


		


		


	
	

		
   Trash Removal
		


		


		


	
	

		
   Cell Phones 
		


		


		


	
	

		
   Other - QUARTERLY BILLS - Ins., water gas
		


		


		


	
	

		
Total Utilities
		
 $-   
		
 $-   
		
 $-   
	
	

		


		


		


		


	
	

		
Food
		


		


		


	
	

		
   Groceries
		


		


		


	
	

		
   Eating Out - Lunch
		


		


		


	
	

		
   Dining Out - Dinner
		


		


		


	
	

		
   Kids Lunch Money
		


		


		


	
	

		
Total Food
		
 $-   
		
 $-   
		
 $-   
	
	

		


		


		


		


	
	

		
Transportation
		


		


		


	
	

		
   Auto Payment 1
		


		


		


	
	

		
   Gasoline
		


		


		


	
	

		
   Insurance
		


		


		


	
	

		
   Auto Registration/Plates
		


		


		


	
	

		
   Car Repairs/Maintenance
		


		


		


	
	

		
   Other
		


		


		


	
	

		
Total Transportation
		
 $-   
		
 $-   
		
 $-   
	
	

		


		


		


		


	
	

		
Health Care
		


		


		


	
	

		
   Health Insurance
		


		


		


	
	

		
   Prescriptions
		


		


		


	
	

		
   Co-Pay Deductibles
		


		


		


	
	

		
   Other
		


		


		


	
	

		
Total Health Care
		
 $-   
		
 $-   
		
 $-   
	
	

		


		


		


		


	
	

		
Education Expenses
		


		


		


	
	

		
   Books/Supplies
		


		


		


	
	

		
   Student Loan Payment
		


		


		


	
	

		
   Day Care
		


		


		


	
	

		
Total Education
		
 $-   
		
 $-   
		
 $-   
	
	

		


		


		


		


	
	

		
Clothing
		


		


		


	
	

		
   Purchases
		


		


		


	
	

		
   Laundry
		


		


		


	
	

		
   Dry Cleaning
		


		


		


	
	

		
   Repairs
		


		


		


	
	

		
   Other
		


		


		


	
	

		
Total Clothing
		
 $-   
		
 $-   
		
 $-   
	
	

		


		


		


		


	
	

		
Personal Care
		


		


		


	
	

		
   Beauty Salon/Hair Cuts
		


		


		


	
	

		
   Cosmetics
		


		


		


	
	

		
   Manicure/Pedicure
		


		


		


	
	

		
   Other
		


		


		


	
	

		
Total Personal Care
		
 $-   
		
 $-   
		
 $-   
	
	

		


		


		


		


	
	

		
Entertainment
		


		


		


	
	

		
   Sports
		


		


		


	
	

		
   Hobbies
		


		


		


	
	

		
   Internet
		


		


		


	
	

		
   Other -
		


		


		


	
	

		
   Other -
		


		


		


	
	

		
Total Entertainment
		
 $-   
		
 $-   
		
 $-   
	
	

		


		


		


		


	
	

		
Other
		


		


		


	
	

		
   Religion
		


		


		


	
	

		
   Charity
		


		


		


	
	

		
   Vacation
		


		


		


	
	

		
   Gifts
		


		


		


	
	

		
   Other -
		


		


		


	
	

		
   Other
		


		


		


	
	

		
Total Other
		
 $-   
		
 $-   
		
 $-   
	
	

		


		


		


		


	
	

		
Credit Cards & Debts
		


		


		


	
	

		
   Card #1 Payment - 
		


		


		


	
	

		
   Card #2 Payment - 
		


		


		


	
	

		
Other Loan Payment - 
		


		


		


	
	

		


		


		


		


	
	

		
Total Credit Card Payments
		
 $-   
		
 $-   
		
 $-   
	
	

		


		


		


		


	
	

		
Savings
		


		


		


	
	

		
   Emergency Savings Account
		


		


		


	
	

		
   Additional Savings Account 
		


		


		


	
	

		
   Kids' Savings Accounts 
		


		


		


	
	

		
Total Savings
		
 $-   
		
 $-   
		
 $-   
	
	

		


		


		


		


	
	

		
Total Monthly Expenses
		
 $-   
		
 $-   
		
 $-   
	
	

		


		


		


		


	
	

		
Total Monthly Income
		
 $-   
		
 $-   
		
 $-   
	
	

		
Less - Total Monthly Expenses
		
 $-   
		
 $-   
		
 $-   
	
	

		
Monthly Surplus/Extra  or  (Deficit/Shortage)
		
 $-   
		
 $-   
		
 $-   
	
	

		


		


		


		


	
	

		


		


		


		


	
	

		
Sporadic/Long-term expenses