Do a Personal Budget has traditionally been taught by a Financial Wellness Coach certified in the methods found at Dave Ramsey.com. This is the Get Started Budget. Doing this kind of Budget for several months will lead to having a Monthly Budget That Works.
MONTHLY INCOME AND EXPENSES
- Gross Income per Month __________
- Less taxes (Fed., State, FICA)__________
- Net Income per Month __________
- ——————————————————
- Charity Tithes _________
- Saving
- Emergency Fund _________
- Other _________
- Housing
- Rent or Mortgage _________
- Real Estate Taxes _________
- Repairs/Maint. _________
- Insurance _________
- Utilities
- Electricity _________
- Gas _________
- Water _________
- Trash _________
- Phone/Mobile _________
- Internet _________
- Cable _________
- Food
- Groceries _________
- Eating Out _________
- Clothing
- Purchase _________
- Laundry, cleaning _________
- Transportation
- Car Payments _________
- Gas & Oil _________
- Repairs & Tires _________
- Bus, Metro _________
- Insurance
- Car _________
- Medical _________
- House _________
- Life _________
- Medical
- Doctor visits _________
- Prescriptions _________
- School/Learning
- Children _________
- Your tuition _________
- Personal
- Child Care _________
- Child-Support _________
- Parent Support _________
- Bills and Debts
- Credit cards _________
- Other _________
- Entertainment
- Movies, videos, etc. _________
- Gifts _________
- Vacation _________
- Other _________
- Monthly Spending Total _____________
- Net Income Total ________________
- Spending Total ________________
For Personal Budgeting, I want my Net Income to be larger than my Total Spending.
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