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The Coey Communicator

Budget Worksheet

HOME

CATEGORY MONTHLY
BUDGET
MONTHLY
ACTUAL
SEMESTER
BUDGET
SEMESTER
ACTUAL
SCHOOL YR BUDGET SCHOOL YR ACTUAL
INCOME:            
From Jobs            
From Parents            
From Student Loans            
From Scholarships            
From Financial Aid            
Miscellaneous Income            
INCOME SUBTOTAL            
             
EXPENSES:            
Rent or Room & Board            
Utilities            
Telephone            
Groceries            
Car Payment/Transportation            
Insurance            
Gasoline/Oil            
Entertainment            
Eating Out/Vending            
Tuition            
Books            
School Fees            
Computer Expense            
Miscellaneous Expense            
EXPENSES SUBTOTAL            
             
NET INCOME (INCOME LESS EXPENSES)            

If an expense is incurred more or less often than monthly, convert it to a monthly amount when calculating the monthly budget amount. For instance, auto expense that is billed every six months would be converted to monthly by dividing the six month premium by six.

NON-Student Budget:

BUDGET WORKSHEET
From Financial Planning at About.com
(http://financialplan.about.com)

CATEGORY BUDGET AMOUNT ACTUAL AMOUNT DIFFERENCE
INCOME:      
Wages and Bonuses      
Interest Income      
Investment Income      
Miscellaneous Income      
Income Subtotal      
INCOME TAXES WITHHELD:      
Federal Income Tax      
State and Local Income Tax      
Social Security/Medicare Tax      
Income Taxes Subtotal      
Spendable Income      
EXPENSES:      
HOME:      
Mortgage or Rent      
Homeowners/Renters Insurance      
Property Taxes      
Home Repairs/Maintenance/HOA Dues      
Home Improvements      
UTILITIES:      
Electricity      
Water and Sewer      
Natural Gas or Oil      
Telephone (Land Line, Cell)      
FOOD:      
Groceries      
Eating Out, Lunches, Snacks      
FAMILY OBLIGATIONS:      
Child Support/Alimony      
Day Care, Babysitting      
HEALTH AND MEDICAL:      
Insurance (medical,dental,vision)      
Out-of-Pocket Medical Expenses      
Fitness (Yoga,Massage,Gym)      
TRANSPORTATION:      
Car Payments      
Gasoline/Oil      
Auto Repairs/Maintenance/Fees      
Auto Insurance      
Other (tolls, bus, subway, taxi)      
DEBT PAYMENTS:      
Credit Cards      
Student Loans      
Other Loans      
ENTERTAINMENT/RECREATION:      
Cable TV/Videos/Movies      
Computer Expense      
Hobbies      
Subscriptions and Dues      
Vacations      
PETS:      
Food      
Grooming, Boarding, Vet      
CLOTHING:      
INVESTMENTS AND SAVINGS:      
401(K)or IRA      
Stocks/Bonds/Mutual Funds      
College Fund      
Savings      
Emergency Fund      
MISCELLANEOUS:      
Toiletries, Household Products      
Gifts/Donations      
Grooming (Hair, Make-up, Other)      
Miscellaneous Expense      
Total Investments and Expenses      
Surplus/Shortage (Spendable income minus expenses & investments)      

For expenses incurred more or less often than monthly, convert the payment to a monthly amount when calculating the monthly budget. For instance, convert auto expense that's billed every six months to a monthly amount by dividing the six-month premium by six. This money should be kept separate from your other money so it's available when the bill becomes due.