Monthly Income Worksheet
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- Dominic Higgins
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1 Monthly Income Worksheet Figure Your Monthly Income Your weekly pay X or Your twice-a-month pay X 2 Your Monthly Take-home Pay Figure Household Members Monthly Income Weekly pay X or Twice-a-month pay X 2 Household Members Take-home Pay Monthly Income Second job Regular overtime Public assistance Child support Pension Social Security Total Monthly Income Total Net Monthly Income REalizing THE american dream NeighborWorks America 43
2 Monthly Expenses Worksheet Rent or mortgage Heating (gas or oil) Electricity Water or sewage Telephones (landlines and cell phones) Renters or homeowners insurance (if not included in mortgage) Trash service Home maintenance and furnishings Cleaning supplies Lawn service Transportation Gas Car payment Car insurance Car inspection Car repairs and maintenance License plates and registration fees Public transportation or taxi Parking and tolls Food Groceries School lunches Work-related (lunches and snacks) Insurance Health (medical and dental, if not payroll-deducted) Life Disability Medical Doctor Dentist Prescriptions Childcare Childcare or babysitters Child support or alimony Laundry and dry cleaning Donations Religious or charity Education Tuition Books, papers and supplies Newspapers and magazines Lessons (sports, dance, music) Gifts Birthdays Major holidays Personal Barber or beauty shop Toiletries Children s allowances Tobacco products Beer, wine or liquor Entertainment Movies, sporting events, concerts, etc. Video rentals Internet service Cable/satellite TV Restaurants and take-out meals Gambling and lottery tickets Fitness or social clubs Vacations/trips Hobbies or crafts Miscellaneous Checking account and money order fees Pet care and supplies Postage Pictures and photo processing Mad money Debts Student loan Credit card (monthly minimum) Credit card (monthly minimum) Credit card (monthly minimum) Medical bills Personal loan Total Regular Monthly Expenses 44 REalizing THE american dream NeighborWorks America
3 Monthly Discretionary Income Worksheet Figure Your Discretionary Income Extra Money Each Month Total Monthly Income Minus total regular monthly expenses Discretionary income (Balance available to spend or save) Keeping Track of Your Spending The best way to find out where your money really goes is to begin keeping track of everything you and members of your household spend money on from picking up the dry cleaning to getting shaving cream and greeting cards at the drug store to stopping for fast food to filling up at the gas station. Find a simple method of tracking that works for you, whether it be saving all receipts from purchases or giving each person a small notebook to write down expenditures. The first step in taking command of your finances is to figure out where all the money is going. Only then can you redirect it for your benefit. Look at your expenses weekly, and you may be surprised where the money goes. When you begin to develop a spending plan that includes saving for your goals, you can use your records to help you find places to cut your spending. REalizing THE american dream NeighborWorks America 45
4 Monthly Spending Plan This spending plan is broken down into the following types of expenses: fixed, periodic fixed, flexible and indebtedness. Depending on your situation, some expenses (for example, a cell phone) may be considered flexible rather than fixed. Be sure to adjust the categories to best reflect your needs and lifestyle. Monthly Expense Budgeted amount Actual Spent Difference Fixed Expenses Rent or Mortgage heating (gas or oil) Electricity Telephones (landlines and cell phones) Transportation Gas Car Payment Public Transportation or Taxi Parking and Tolls Insurance Health (medical and dental, if not payroll deducted) Life Disability Childcare Childcare or Babysitters Child Support or Alimony Fixed Expenses Subtotal Periodic Fixed Expenses (divide annual payments by 12) Renters or Homeowners Insurance (if not included in mortgage) Water or Sewage Trash Service Transportation Car Insurance Car Inspection Car Repairs and Maintenance License Plates and Registration Fees Periodic Fixed Expenses Subtotal REalizing THE american dream NeighborWorks America 51
5 Monthly Expense Budgeted amount Actual Spent Difference Flexible Expenses Food Groceries School Lunches Work-Related (lunches and snacks) Home Maintenance and Furnishings Cleaning Supplies Lawn Care Medical Doctor Dentist Prescriptions Savings Emergency Fund Down Payment Fund Laundry and Dry Cleaning Education Tuition Books, Papers and Supplies newspapers and Magazines Lessons (sports, dance, music) Donations Religious or Charity other (if not payroll deducted): Gifts Birthdays holidays Personal Barber or Beauty Shop Toiletries Children s Allowances Tobacco Products Beer, Wine, Liquor Source: CreditSmart by Freddie Mac 52 REalizing THE american dream NeighborWorks America
6 Monthly Expense Budgeted amount Actual Spent Difference Flexible Expenses Continued Entertainment Movies, Sporting Events, Concerts, Theater, Etc. Video Rentals internet Service Cable/Satellite TV Restaurants and Take-Out Meals Gambling or Lottery Tickets Fitness or Social Clubs Vacations/Trips hobbies or Crafts Miscellaneous Checking Account Fees, Money Order Fees, Etc. Pet Care or Supplies Postage Pictures and Photo Processing Mad Money Flexible Expenses Subtotal Indebtedness Expenses Debt* Student Loan Credit Card (monthly minimum*) Credit Card (monthly minimum) Credit Card (monthly minimum) Medical Bills Personal Loan indebtedness Subtotal Total Total Monthly Expenses (fixed + periodic fixed + flexible + indebtedness) Income Total Monthly Net Income Additional Savings Amount Left Over for Savings (total monthly net income total monthly expenses) *Although it is strongly recommended that you pay more than one monthly minimum payment due, lenders will use this amount when calculating monthly debt obligations. REalizing THE american dream NeighborWorks America 53
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