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