Free Budget Worksheet
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Free Budget Worksheet
Creating a budget to help you achieve debt elimination is not a difficult process. You need a piece of paper, a pen, copies of your bills and expenses, and a little time and determination.For each line, estimate (in many cases your rates are set) your housing costs, utilities, food, clothing, transportation and vehicle costs, medical and/or family expenses, entertainment and online services, credit card payments and debt priorities, and lastly, other expenses.
After you have a clear picture of your monthly expenses, factor in your monthly gross with payroll deductions. Figure your set expenses, such as housing, food and utilities, and estimate your more flexible expenses, such as entertainment and clothing.
After you have allocated your money, apply all extra funds to pay ahead on your debts. In using your money toward debt reduction instead of treating yourself to another fancy dinner or extra pair of shoes, you can watch your debt dissolve quicker than you might imagine.
Whether you have debts or just feel that your finances are controlling you and not the other way around, it is time to fight back! Free debt consultation
Free Budget Worksheets
FOR HOUSEHOLD BUDGETS
From Budget Sheet at
(http://www.budget-sheet.com)
| CATEGORY | MONTHLY BUDGET AMOUNT | MONTHLY ACTUAL AMOUNT | DIFFERENCE BETWEEN ACTUAL AND BUDGET |
| INCOME: | |||
| Wages Paid | |||
| Bonuses | |||
| Interest Income | |||
| Capital Gains Income | |||
| Dividend Income | |||
| Miscellaneous Income | |||
| INCOME SUBTOTAL | |||
| EXPENSES: | |||
| Mortgage or Rent | |||
| TV | |||
| Telephone | |||
| Home Repairs/Maintenance | |||
| Car Payments | |||
| Gasoline/Oil | |||
| Auto Repairs/Maintenance/Fees | |||
| Other Transportation (tolls, bus, subway, etc.) | |||
| Child Care | |||
| Auto Insurance | |||
| Home Owners/Renters Insurance | |||
| Computer Expense | |||
| Entertainment/Recreation | |||
| Groceries | |||
| Toiletries, Household Products | |||
| Clothing | |||
| Eating Out | |||
| Gifts/Donations | |||
| Healthcare (medical/dental/vision, inc. insurance) | |||
| Hobbies | |||
| Interest Expense (mortgage, credit cards, fees) | |||
| Magazines/Newspapers | |||
| Federal Income Tax | |||
| State Income Tax | |||
| Social Security/Medicare Tax | |||
| Personal Property tax | |||
| Pets | |||
| Miscellaneous Expense | |||
| EXPENSES SUBTOTAL | |||
| NET INCOME (INCOME LESS EXPENSES) |
Free Printable Budget Worksheets
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Free Budget Worksheets
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Overwhelmed by your debts? Free consultation
Debt can be bad for your health. Financial stress is common if you are forced into frugality because of a lost job, divorce, death in the family, or being over your head in debt, etc. This can lead to feelings of insecurity, fear, anxiety, anger, and, of course, depression.
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