Spending And Savings Worksheet
- 1. Spending and Savings Since many expenses are variable, such as utilities and groceries, it is important to average these expenses. Other expenses are periodic (such as insurance or vehicle registration). Again, calculate the annual amount and divide by 12. Category Expense Average Per Month Goal Per Month Rent/Mortgage 2nd Mortgage/Equity Line Homeowner’s/Renter’s Insurance Condo Fees/HOA Dues HOUSING Home Maintenance Gas/Electric Water/Sewer/Garbage Telephone Groceries/Household Items FOOD At Work/School Health/Dental/Vision INSURANCE (Exclude payroll deducted amounts) Life/Disability Doctor/Chiropractor Optometrist/Lenses MEDICAL CARE (Exclude payroll deducted amounts) Dentist/Orthodontist Prescriptions Car Payment #1 Car Payment #2 Auto Insurance TRANSPORTATION Registration (Exclude payroll deducted amounts) Gasoline/Oil Maintenance/Repairs Public Transportation/Tolls/Parking Daycare CHILD CARE (Exclude payroll deducted amounts) Child Support/Alimony Continued on next page
- 2. Category Expense Average Per Month Goal Per Month Emergency SAVINGS Goals Prior Year INCOME TAXES Estimated Tax Payments (Self-Employed) Beauty/Barber PERSONAL Clothing/Jewelry Cosmetics/Manicure Cable/Satellite Movies/Concerts/Theater Books/Magazines ENTERTAINMENT CD/Tapes/Videos/DVD Dining Out Sports/Hobbies Vacation/Travel Banking Fees Laundry Union Dues Internet Service Pet Care Gifts for Holidays/Birthdays Cell Phone/Pager Postage MISCELLANEOUS Cigarettes/Alcohol Contributions to Church/Charity Other Other Other Other Other Other TOTALS (include totals from page 1) BALANCE, 595 MARKET STREET, 16TH FLOOR, SAN FRANCISCO, CA 94105 • 888-456-2227 • WWW.BALANCEPRO.NET • COPYRIGHT © 2006 BALANCE