MAKE YOUR BUDGET LISTENING TO THE MUSIC 

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 PERSONAL MONTHLY BUDGET  

Income

Salary

Bank income

Other income

Fixed
Expenditures

Projected

Actual

(+) or (-)


Mortgage / rent

Credit-card payments

Home-equity loans

Car loan(s)

Taxes 

Annual tax

Divers tax

Insurance Premiums

Life

Auto

Home

Health

Other

Savings / Investments

Vacation fund

Emergency fund

College fund

Retirement / 401(k)

Investment fund

Other



Variable
Expenditures

Projected

Actual

(+) or (-)


Fuel and utilities

Heating

Electricity

Telephone

Water and sewer

Household operation

Transportation

Automobile gas and repairs

Public Transportation

Clothing

Monthly

Extra

Pocket Money

Monthly

Other variable expenditures

Food and beverages

Personal care (haircuts, etc.)

Recreation, entertainment

Medical / dental

Charity

Special expenses (tuition, alimony, etc.)

Miscellaneous


SUMMARY

Fixed expenditures

Total expenditures

Income minus expenditures

Income minus expend. over 12 months