What Expenses should your monthly budget include?
Income: list your monthly household income.
Blank space: list other income like tax refund.
Combined Income: Total all your incomes.
Saving: Amount Saved for irregular Expenses.
That is the amount saved every month for expenses that are not paid every
month.
Income Available: Total or combined income minus amount saved for irregular expenses.
Expenses:
The expenses
under the fixed expenses category include the minimum amount due on debts and
regular living expenses.
Food, Meat, Fruit / Groceries: Estimate the amount you want to set
aside every month for groceries (food and non-food).
Allowances: You can allocate some money for your
personal expenses.
Total Fixed Expenses: Total all the expenses listed under
this category.
Total Variable Expenses: are extra paid toward debts and
amount withdrawn from saving to pay irregular expenses like home maintenance or
gift. Total all the expenses listed under this category.
Irregular Expenses: total all spent from the saving
account on expenses saved for.
Total Costs:
Total Fixed Expenses + Total Variable Expenses
Investment: Estimate an amount to invest in stocks
or in your business.
Balance: Available Income – Total Cost –
Investment
Due Date: List the dates payments are due
Budget/mo.: Make your budget by month fixed. There
is no need to update it every month.
Estimates: You
could use Budget / mo. column as Estimates for the month. List the amount of
income and expenses in this column before you are paid or before you start
spending.
Actuals: List incomes when received and
expenses when paid.
Note: Dates when bills are paid could be recorded in this
column. Or any information related to the row category could be added.
Budget and Monthly
Expense Tracker allows you to live on less than you earn and put your money to
work. For, if you don’t make money in your sleep, you work for each penny.
Good Luck!
We sell Budget and Monthly Expense Tracker PDF but there is a free version in Free Download Section as well.
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