Fill in your numbers each month. Start with take-home pay (after taxes), then list every expense. The goal is for the difference to be zero or positive, with money assigned to savings.
| Category | Planned | Actual | Difference |
|---|---|---|---|
| Income | |||
| Paycheck(s) | |||
| Side income | |||
| Needs | |||
| Rent or mortgage | |||
| Utilities and phone | |||
| Groceries | |||
| Transportation | |||
| Insurance | |||
| Minimum debt payments | |||
| Wants | |||
| Dining out | |||
| Shopping | |||
| Subscriptions | |||
| Fun and travel | |||
| Goals | |||
| Emergency fund | |||
| Retirement | |||
| Extra debt payments | |||
New to budgeting? Read The 50/30/20 Budget, Explained first.
