Tim
Tim
2007-09-19T23:05:03Z
2007-09-16T00:00:31Z
2007-09-20T13:00:41Z
11.6360
9210
19035
0
105
False
False
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| Household Budget
Worksheet |
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| Track your finances,
understand your priorities,
reach your goals. |
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| Household Budget Worksheet |
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www.careerchoiceguide.com |
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| Wouldn't it be nice to have the freedom to
experience the things that are really important to you,
create a career that is an ideal fit for you, and
build a lifestyle that is in line
with your values and goals?
Money is simply a tool to help you
build the lifestyle you want.
The more mindful you are in the ways you
earn and spend your money,
the more you ensure your spending habits
match with you priorities in life,
the more freedom you will have to use your
resources to create the lifestyle you really want. |
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| Household Budget Worksheet |
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www.careerchoiceguide.com |
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| The author and publisher of this product and the accompanying materials, Career Choice Guide have used their best efforts in preparing this product. The author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents of this product. The information contained in this product is strictly for educational purposes. Therefore, if you wish to apply ideas contained in this product, you are taking full responsibility for your actions.
This product is offered free of charge and without any warranties, guarantees, or other promises expressed or implied.
In no event will the author and publisher of this product be responsible for your use of this product, or any damage that may result of your use of this product, including, but not limited to, its contents, links and resources.
Through this product you are able to link to other websites which are not under the control of Career Choice Guide. We have no control over the nature, content and availability of those sites. |
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| The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them. |
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| All legal terms of use published on our website at http://www.careerchoiceguide.com are incorporated herein by reference and apply in full to this product. By reading and using the materials in this product, you have agreed to all the terms and conditions herein and on our website. |
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| Household Budget Worksheet |
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www.careerchoiceguide.com |
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| Get the Most Out of Your
Household Budget Worksheet |
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| • You can type in any yellow cell, and in any cell labeled "other" (so you can enter an
appropriate category name). All other cells are protected so you don't accidentally delete
important information or formulas.
• List all of your expenses, and then prioritize them by rating each expense from 1 to 10
(1 being the least important, 10 being the most important).
• Don't forget your out-of-pocket, variable expenses. It's surprising how quickly they can add
up. You may want to carry a small notebook with you for a week and make a note every
time you spend money so you don't forget any discretionary expenses.
• Don't forget about the unexpected. Try to ensure you have a cushion to cover unexpected
expenses.
•Try not to be discouraged (or surprised) if your expenses total more than your income. You
are using your budget to become fully aware of your financial picture, and that's a tremendous
start. Don't let a setback cause you to abandon your efforts. This is why you prioritized
your expenses. Look at your priorities, and take care of then first. Then determine which
expenses you can realistically reduce or eliminate.
• If your income doesn’t cover your priorities, you will either need to re-think you priorities, or
find a way to generate more income (see resources following the budget worksheet).
• You can use this worksheet right on your computer, or print it up and hand write the entries.
Do whichever works best for you!
• Income tax and other deductions have not been included as an expense in this worksheet.
You may simply start with your net (after deductions) income. If you'd like to start with your
gross (before deductions) income, then you'll need to include those deductions in one of the
entries marked "other" on the worksheet.
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• You may need to do a little math to transform weekly or bi-weekly expenses or income into
monthly expenses or income. There are simple calculators at the end of the worksheet to
help you make those changes.
• The resources at the end of the worksheet will point you to for more money management
and income generating resources.
•If you know anyone who would benefit from this worksheet, please feel free to forward it to
them. The worksheet can be downloaded for free at: |
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| budgetworksheet.plansmartdreambig.com |
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| Household Budget Worksheet |
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www.careerchoiceguide.com |
| Category |
Budget Amount (minus) |
Actual Amount (equals) |
Difference |
Need (N)
Want (W) |
Priority
1-10 |
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| Net Income |
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| Employment Income |
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0 |
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| Employment Income |
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0 |
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| Other |
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0 |
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| Other |
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0 |
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| Other |
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0 |
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| Section Subtotal |
0 |
0 |
0 |
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| Household |
| Rent/Mortgage |
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0 |
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| Property Tax |
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0 |
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| Cable/Satellite Television |
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0 |
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| Telephone (land line) |
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0 |
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| Cell Phone |
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0 |
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| Internet Service Provider |
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0 |
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| Newspapers |
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0 |
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| Maintenance |
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0 |
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| Renovation |
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0 |
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| Furniture |
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0 |
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| Cleaning Supplies |
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0 |
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| Other |
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0 |
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| Other |
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0 |
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| Section Subtotal |
0 |
0 |
0 |
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| Utilities |
| Gas/Oil |
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0 |
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| Electric |
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0 |
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| Garbage and Recycling |
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0 |
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| Water and Sewer |
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0 |
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| Other |
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0 |
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| Other |
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0 |
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| Section Subtotal |
0 |
0 |
0 |
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| Transportation |
| Vehicle Payment |
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0 |
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| Gas |
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0 |
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| Maintenance |
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0 |
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| Public Transportation |
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0 |
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| Other |
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0 |
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| Other |
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0 |
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| Section Subtotal |
0 |
0 |
0 |
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| Bank Charges |
| Service Charge |
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0 |
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| Interest Expenses |
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0 |
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| Other |
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0 |
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| Section Subtotal |
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0 |
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| Child Care |
| Daycare |
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0 |
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| Child's Personal Needs |
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0 |
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| Other |
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0 |
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| Other |
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0 |
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| Section Subtotal |
0 |
0 |
0 |
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| Household Budget Worksheet |
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|
www.careerchoiceguide.com |
| Category |
Budget Amount (minus) |
Actual Amount (equals) |
Difference |
Need (N)
Want (W) |
Priority
1-10 |
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| Loan Payments |
| Student Loan Payment |
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0 |
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| Credit Card |
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0 |
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| Credit Card |
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0 |
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| Other |
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0 |
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| Other |
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0 |
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| Other |
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0 |
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| Other |
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0 |
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| Section Subtotal |
0 |
0 |
0 |
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| Gifts |
| Charitable Donations |
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0 |
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| Gifts |
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0 |
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| Other |
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0 |
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| Section Subtotal |
0 |
0 |
0 |
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| Food |
| Groceries |
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0 |
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| Dining Out |
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0 |
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| Other |
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0 |
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| Section Subtotal |
0 |
0 |
0 |
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| Education |
| Books |
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0 |
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| Tuition |
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0 |
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| Other |
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0 |
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| Section Subtotal |
0 |
0 |
0 |
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| Healthcare |
| Physician |
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0 |
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| Dental |
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0 |
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| Eye Care |
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0 |
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| Hospital |
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0 |
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| Prescriptions |
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0 |
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| Other |
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0 |
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| Other |
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0 |
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| Section Subtotal |
0 |
0 |
0 |
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| Hobbies/Leisure |
| Books and Magazines |
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0 |
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| Events |
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0 |
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| Movies and Rentals |
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0 |
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| Media (DVD, mp3) |
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0 |
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| Entertaining |
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0 |
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| Toys and Games |
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0 |
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| Other |
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0 |
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| Other |
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0 |
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| Section Subtotal |
0 |
0 |
0 |
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| Travel |
| Lodging |
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0 |
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| Travel |
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0 |
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| Other |
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0 |
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| Section Subtotal |
0 |
0 |
0 |
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| Household Budget Worksheet |
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|
www.careerchoiceguide.com |
| Category |
Budget Amount (minus) |
Actual Amount (equals) |
Difference |
Need (N)
Want (W) |
Priority
1-10 |
| Insurance |
| Vehicle |
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0 |
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| Life |
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0 |
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| Health |
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0 |
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| Home Owner's/Renter's |
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0 |
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| Other |
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0 |
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| Other |
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0 |
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| Other |
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0 |
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| Section Subtotal |
0 |
0 |
0 |
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| Personal Needs |
| Personal Care |
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0 |
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| Clothing |
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0 |
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| Fitness/Gym Membership |
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0 |
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| Other |
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0 |
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| Other |
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0 |
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| Section Subtotal |
0 |
0 |
0 |
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| Pets |
| Food |
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0 |
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| Supplies |
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0 |
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| Veterinarian |
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0 |
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| Other |
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0 |
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| Section Subtotal |
0 |
0 |
0 |
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| Savings |
| Education |
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0 |
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| Retirement |
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0 |
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| Other |
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0 |
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| Other |
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0 |
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| Section Subtotal |
0 |
0 |
0 |
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| Budget Amount (minus) |
Actual Amount (equals) |
Difference |
| EXPENSE TOTALS |
0 |
0 |
0 |
| Household Budget Worksheet |
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|
www.careerchoiceguide.com |
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| SUMMARY |
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| Your total Estimated Income for the month is: |
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| Your total Actual Income for the month is: |
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| The difference between your estimated income and your actual income is: |
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| Your total Budgeted Expenses for the month are: |
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| Your total Actual Expenses for the month are: |
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| The difference between your budgeted expenses and your actual expenses is: |
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| You total Estimated Income is: |
0 |
| Your total Budgeted Expenses for the month are: |
0 |
| The difference between your estimated income and your budgeted expenses is: |
0 |
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| Your total Actual Income is: |
0 |
| You total Actual Expenses are: |
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| The difference between your actual income and your actual expenses is: |
0 |
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| RESOURCES |
|
| financialresources.plansmartdreambig.com |
| Includes resources for finding budgeting software, checking your credit report and credit repair |
|
| www.careerresources.plansmartdreambig.com |
| If you find your current income does not cover your priorities, you may need to find ways to
increase your income. On this site you'll find in-depth information on career management,
job searching, salary negotiation, reaching goals and entrepreneurship |
|
| Calculators |
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| Weekly Expenses to Monthly Expenses |
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Bi-Weekly Income (if you're paid every two weeks) to Monthly Income |
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| Enter into the yellow cell, the amount you spend weekly on any item, and you'll see that converted to a monthly expense in the cell below. |
Enter into the yellow cell, the amount you make every two weeks, and you'll see that converted to your monthly income in the cell below. |
| Weekly Expense Amount |
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Bi-Weekly Income |
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| Monthly Expenses |
0 |
Monthly Income |
0 |
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| Weekly Income to Monthly Income |
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Irregular Paychecks |
| Enter into the yellow cell, the amount you make each week, and you'll see that converted to your monthly income in the cell below. |
If your income fluctuates each week, first, add up several week's pay. Enter the total into the top yellow cell. Determine the number of weeks worth of pay you added up and enter that number in the yellow cell below. You'll find your average monthly income in the cell below the two yellow cells. |
| Weekly Income |
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| Monthly Income |
0 |
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| Several Weeks' Income |
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| Number of Weeks |
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| Monthly Income |
#DIV/0! |
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-3
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100
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False
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