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Sample Budget Worksheet
The following budget is broken down into the following types of expenditures:
Fixed Expenses, Periodic Fixed Expenses, Flexible Expenses and Indebtedness.

Depending on your situation, some expenses (for example, long distance

Fixed Expenses
Housing
Rent, Mortgage or Lot Rent $

2nd Mortgage/Equity Loan/Association Fees, etc. $

Heating $

Electricity $

Telephones (land-lines and cell phones) $

Other $

Transportation
Gas/Public Transportation/Taxi/Parking $

Car/Truck Payment $

Other $

Insurance
Health (medical and dental, if not payroll deducted) $

Life $

Disability $

Other $

Child Care
Child Care/Babysitters $

Child Support/Alimony $

FIXED EXPENSES SUB-TOTAL $

Home Insurance (if not included in mortgage payment) $

Renter’s Insurance $

Water/Sewage $

Trash Service $

Other $

Transportation
Car Insurance $

Car Licenses $

Car Repairs and Maintenance $

License Plates/Registration Fees $

Other $

PERIODIC FIXED EXPENSES SUB-TOTAL $

Flexible Expenses
Food
Food/Groceries $

Work Related (lunches and snacks) $

School Lunches $

Other $

Child Care
Diaper Expense $

Other $

Medical
Doctor $

Dentist $

Prescriptions $

Glasses $

Other $
Clothing
Clothing $

Laundry/Dry Cleaning $

Other $

Education
Tuition $

Books/Papers/Magazines/Supplies $

Lessons (sports, dance, music) $

Other $

Donations
Religious/Charity $

Other (if not payroll deducted) $

Gifts
Birthdays $

Major Holidays $

Other $

Personal
Barber/Beauty Shop $

Toiletries $

Children’s Allowance $

Tobacco Products $

Beer, Wine, Liquor $

Other $

Entertainment
Movies, Sporting Events, Concerts, Videos, Theater, etc. $

Internet Service $

Cable/Satellite T.V. $

Restaurants $

Gambling/Lottery Tickets $

Fitness or Social Clubs $

Vacations/Trips $

Other $
 Miscellaneous
Home Maintenance $

Checking Account or Money Order Fees, etc. $

Pet Care/Supplies $

Hobbies and Crafts $

Postage $

Other $

FLEXIBLE EXPENSES SUB-TOTAL $

Indebtedness
Debts (Use the Debt Worksheet in this workbook, as necessary)
Student Loan $

Credit Card (monthly minimum*) $

Credit Card (monthly minimum*) $

Credit Card (monthly minimum*) $

Medical Bills $

Personal Loans $

Other $

INDEBTEDNESS SUB-TOTAL $

FIXED EXPENSES SUB-TOTAL: $

PERIODIC EXPENSES SUB-TOTAL: + $

FLEXIBLE EXPENSES SUB-TOTAL: + $

INDEBTEDNESS SUB-TOTAL: + $

TOTAL MONTHLY EXPENSES = $

TOTAL MONTHLY NET INCOME: $

MINUS TOTAL MONTHLY EXPENSES: -$

EQUALS AMOUNT LEFT OVER FOR SAVINGS AND INVESTMENTS =$

* Although it is strongly recommended that you pay more than the monthly minimum payment due, lenders will use
this amount when calculating monthly debt obligations.