This budget worksheet will save you time and money - literally!
It happens every month at one time or another. Your paycheck comes in and before you know it all of your hardworked money is gone.
Well, if you haven't figured it out by now the key is organizing your expenses on a budget worksheet. This is the best strategy for recording all of your monthly expenses. Once this is complete you can actually see where the money goes!
The list below divides items into 3 categories: fixed expenses, nonfixed expenses, and income.
The budget worksheet is based on one month so for things paid quarterly or for items varying in amounts like gifts or activities total up all amounts spent (if you keep records) and divide by 12. If you have not kept records do your best to estimate a yearly amount and divide by 12.
By using the budget worksheet below you can figure out the amount of money you have left after you take care of your expenses. Simply subtract the total amount of expenses(fixed and nonfixed) from your total income and you have what income is left or what people would call your disposable income.
|Property Maintanence(Landscape, pool, security)|
|Credit Card Debt Payment|
|Safety Deposit Box|
Utilities and Electronics
|Direct TV Services|
|Computer Servive/Internet Access|
|Service Contract for Maintanence|
|Gas for Vehicles|
(taxi,bus train passes)
(for those with a license)
(Staying In-rented movies etc.)
|Interest on Accounts|
|minus TOTAL EXPENSES
(fixed and nonfixed added)
This budget worksheet is a great start to organizing your personal or family money needs. Once you can pinpoint what you spend you can start to decide how and where you can save to make the most of your paycheck.
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