Household Budgeting Worksheet
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1Household Budgeting Worksheet
Make sure that you include all net or take-home income and expenses as accurately as possible. Each expense
category has a recommended distribution of your income associated with it.
Debt 5%
Monthly Take Home Income
Credit Card
$__________
$__________
Household Wages
Credit Card
$__________
Social Security
$__________
Credit Card
$__________
Military Pay
$__________
Personal Loans
Retirement Interest Income
$__________
$__________
Student Loans
$__________
$__________
Alimony/Child Support
Medical Bills
$__________
Unemployment
$__________
$__________
Other
SNAP Benefits
$__________
$__________
Other
Other Income
$__________
$__________
Total Unsecured Debt
$__________
Total Income
Investments and Savings 20%
Housing Expenses 35%
$__________
Emergency Fund
$__________
Savings Account
$__________
Rent
$__________
Financial Goal 1
$__________
1st Mortgage (PITI/HOA)
$__________
Financial Goal 2
$__________
2nd Mortgage (PITI)
$__________
Retirement Funds (IRA, Roth IRA
$__________
Heating
$__________
Stocks/Bonds)
Electric
$__________
Water/Sewer
$__________
Total Savings
$__________
Cell Phone/Telephone
$__________
Repairs/Improvements
$__________
Summary of Budget
Other
Total Expenses
$__________
Total Take-Home Income
$__________
(minus)
Transportation 20%
Total Living Expenses
$__________
Auto Loan
$__________
(equals)
Auto Insurance
Your Total Disposable Income or Deficit
$__________
$__________
Gas/Maintenance
$__________
Public Transportation/Taxi
$__________
Note: If you have a deficit, you should seek the help of a credit
Parking/Tolls
$__________
counseling agency to help you reduce expenses as well as create
a workable budget for you and your family.
Total Expenses
$__________
This budget is a recommendation based on the Financial
Other Living Expenses 20%
Community Guideline. Every situation is different. These
guidelines are just one tool to help keep your finances healthy.
$__________
Groceries
$__________
Eating Out (snacks, meals etc.)
$__________
Household Items
$__________
Clothing
For more information about
$__________
Personal Care (toiletries, haircuts, etc)
$__________
Education (tuition, supplies, activities)
managing your finances
$__________
Entertainment
$__________
Prescriptions
call 800-769-3571 to speak to a
$__________
Medical (co-pays, non-insured bills)
$__________
Contributions/Donations/Gifts
credit counselor today
$__________
Other
Other
$__________
$__________
Other
Total Expenses
$__________
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Parent category: Financial