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Free Budget Worksheets

These printable free budget worksheets will help you determine where your
money is coming from and where it is going.  While it may take a little time to fill out, but once you get it down on paper, you will be able to see where you can cut back.  It sometimes helps to have your old check registers, as well as last years state and federal income tax returns on hand to help you fill out some of the sections.
 


 Income Worksheet


Monthly Gross Income   Total For Section

Salary and wages
Bonuses and Fringe Benefits
Child Support
Alimony
Social Security
Retirement Income
Disability Payments
Unemployment
Worker’s Comp
AFDC
Dividends
Interest Income
Business Income
Rental Income
Other income
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
Total Gross Income $__________
(copy this number to the right)
$__________
Deductions From Income
Taxes
Health Ins. 
Other Deductions
Savings
401K

$__________
$__________
$__________
$__________
$__________

Total Deductions $__________
(copy this number to the right)
$__________

Total Gross Income
(minus) Total Deductions

    $__________  
$__________

Monthly Available Income  = $__________
(copy this number to the right)
$__________

 


Expense Worksheet


When filling out this free budget worksheet, if an expense is incurred less often than monthly, convert it to a monthly amount when calculating the monthly budget amount.  For example, if an item occurs only once a year, divide the amount by twelve to get the monthly amount.  Just be sure to allocate money from your income to cover that expense when it happens. 

Housing Expense

 

Total For Section
Mortgage
Home Insurance  
Property Taxes
Repairs
Rent
Renters Insurance
Lawn Care & Services
$__________
$__________
$__________
$__________
$__________
$__________
$__________
Total Housing Expenses

$__________
(copy this number to the right)
$________ Housing

Utilities 

 


Gas
Electric
Phone
Cable
Water Trash
Sewer
Internet
Cell Phone
Storage Fees

$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
Total Utilities

$__________
(copy this number to the right)
$__________ Utilities

Children 

 

School Tuition
School Lunches
School Supplies Tutoring
Team Fees
School Photos
Allowances
Camps
Recreation
Sports Fees
Babysitting
Daycare
Diapers
Formula
Child Support

$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
Total Child Expense

$__________
(copy this number to the right)
$________ Children

Financial 

 
Bank Fees
Check Printing Fees
Safety Deposit Fees
Spending Cash
Bank Loan #1
Bank Loan #2
Student Loans
Auto Loans
Credit Card #1
Credit Card #2
Credit Card #3
Credit Card #4
Other
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
Total Financial Expenses

$__________
(copy this number to the right)
$________ Financial

Transportation 

 
License Renewal
Gasoline
Auto Insurance
Tires
Maintenance/Oil Changes
Tolls
Taxi
Bus Fare
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
Total Transportation 

$__________
(copy this number to the right)
$____ Transportation

Health 

 
Doctor
Dental
Eye Care
Annual Physical
Prescriptions
Glasses
Health Insurance
Life Insurance
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
Total Health Expenses

$__________
(copy this number to the right)
$__________ Health

Household /Pets

 
Groceries
Cleaning Goods
Office Supply
Pet Care
Pet Boarding
Vaccinations
Supplies
$__________
$__________
$__________
$__________
$__________
$__________
$__________
Total House Expenses $__________
(copy this number to the right)
$_______ Household

Gifts

 
Holidays
Birthdays
Weddings
Graduations
General Cards
Christmas Cards
Wrapping Supplies
Shipping
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
Total Gift Expenses $__________
(copy this number to the right)
$_________ Gifts

Personal 

 
Eating Out
Clothing
Haircuts
Nails
Salon
Magazines
Newspaper
Charities
Club Dues
Entertainment
Movies
Hobbies
Magazines
Newspapers
Dues/memberships
Other
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
Total Personal Expenses $__________
(copy this number to the right)
$________ Personal

Calculating Total Expenses on your free budget worksheet

 

 Total Monthly Expenses

Housing
Utilities
Children
Financial
Transportation
Health
Household
Gifts
Personal
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
$__________
Total Monthly Expenses $__________
(copy this number to the right)
$__________

Where You Stand

To find out where you stand, subtract your total monthly expenses from your total monthly available income.  If you come up with a negative number, you will need to work on cutting back on expenses.  In addition to the free budget worksheets above, the following articles can help you get your budget in line:

Personal Budgeting
Tips on Budgeting Your Paycheck
Ways to Save Money 
Financial Survival
More Strategies To Save Money

 

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