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Kiplinger.com - Tools

A Budget For Today and Tomorrow

USE THIS WORKSHEET to get on top of your monthly living costs by projecting expenditures in various categories, and then comparing those projections to what you actually spend. First, enter your estimates in the Projected column. Print this page and keep it. Over the next month, record your expenditures in these categories in a small notebook, then re-enter both sets of numbers in the worksheet. The buttons will calculate the rest of the values for you. You may want to save this file on your own computer or simply bookmark the page to use over successive months.

Income

Take-home pay (Mom)

Take-home pay (Dad)

Other income

Fixed
Expenditures

Projected

Actual

(+) or (-)


Mortgage / rent

Credit-card payments

Home-equity loans

Car loan(s)

Taxes not withheld from pay

Mom

Dad

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

Mom

Dad

Kids

Pocket Money

Mom

Dad

Kids

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

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