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MONTHLY PERSONAL BUDGET

Monthly
JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC Total Average
INCOME
Wages & Tips 12,000 12,000 12,000 12,000 12,000 12,000 12,000 12,000 12,000 12,000 12,000 12,000 144,000 12,000
Dividends 500 500 500 1,500 125
Loan 150,000 150,000 12,500
Other 100 100 8
Total INCOME 12,500 162,000 12,000 12,000 12,000 12,500 12,000 12,000 12,100 12,000 12,000 12,500 295,600 24,633
HOME EXPENSES
Mortgage/Rent 1,100 1,100 1,100 1,100 1,100 1,100 1,100 1,100 1,100 1,100 1,100 1,100 13,200 1,100
Home/Rental Insurance 150 150 150 150 150 150 150 150 150 150 150 150 1,800 150
Electricity 89 100 100 150 60 75 85 135 140 100 99 120 1,253 104
Gas/Oil 52 60 50 48 52 60 60 50 50 50 45 52 629 52
Water/Sewer/Trash 40 50 55 65 43 50 50 42 65 60 57 56 633 53
Phone 100 120 120 135 125 115 100 134 155 145 125 132 1,506 126
Internet 60 60 60 60 60 60 60 60 60 60 60 60 720 60
Furnishings/Appliances 200 250 150 600 50
Maintenance/Supplies 350 325 350 250 250 300 250 250 2,325 194
Improvements 300 250 300 300 300 1,450 121
Other 100 100 70 124 394 33
Total HOME EXPENSES 1,591 2,090 1,960 1,708 1,590 1,960 1,605 2,521 2,540 2,389 2,186 2,370 24,510 2,043
TRANSPORTATION
Vehicle Payments 2,375 2,375 2,375 2,375 2,375 2,375 2,375 2,375 2,375 2,375 2,375 2,375 28,500 2,375
Auto Insurance 1,500 1,000 2,500 208
Fuel 450 450 400 300 350 450 450 450 450 450 450 450 5,100 425
Bus/Taxi/Train Fare 45 50 65 70 230 19
Repairs 300 350 350 150 150 150 1,450 121
Tax 250 250 250 250 250 250 250 250 250 250 250 250 3,000 250
Other 150 50 50 250 21
Total TRANSPORTATION 5,025 3,520 3,075 2,990 3,045 3,075 3,075 3,475 3,225 3,225 3,225 4,075 41,030 3,419
HEALTH
Health Insurance 100 100 100 100 100 100 100 100 100 100 100 100 1,200 100
Doctor/Dentist 80 80 80 80 320 27
Medicine/Drugs 50 50 50 50 50 50 50 50 50 50 50 50 600 50

Health Club Dues 20 20 20 20 20 20 20 20 20 20 20 20 240 20


Life Insurance 150 150 150 150 150 150 150 150 150 150 150 150 1,800 150
Other 0 0
Total HEALTH 320 400 320 320 400 320 320 400 320 320 400 320 4,160 347
LOAN
Downpayment 120,000 120,000 10,000
Bank payment 2,500 2,500 2,500 2,500 2,500 2,500 2,500 2,500 2,500 22,500 1,875
Other 0 0
Total LOAN 0 120,000 0 2,500 2,500 2,500 2,500 2,500 2,500 2,500 2,500 2,500 142,500 11,875
DAILY LIVING
Groceries 350 400 350 350 300 350 300 400 400 450 450 450 4,550 379
Personal Supplies 750 750 655 590 200 450 200 300 300 350 250 200 4,995 416
Clothing 450 300 300 150 150 150 150 250 250 250 250 250 2,900 242
Cleaning 100 100 100 100 100 100 100 100 100 100 100 100 1,200 100
Dining/Eating Out 80 200 200 150 150 150 150 200 200 200 200 200 2,080 173
Salon/Barber 50 50 50 50 50 50 50 50 50 50 50 50 600 50
Other 30 120 200 50 50 50 80 50 100 100 830 69
Total DAILY LIVING 1,810 1,920 1,855 1,390 1,000 1,300 1,000 1,380 1,350 1,500 1,400 1,250 17,155 1,430
ENTERTAINMENT
Videos/DVDs 50 35 50 25 25 25 25 25 25 25 25 25 360 30
Music 50 50 45 15 30 20 10 30 30 30 25 30 365 30
Movies/Theater 300 250 200 150 100 50 50 100 100 100 50 50 1,500 125
Concerts/Plays 200 200 100 100 100 100 100 200 200 200 100 100 1,700 142
Books 50 100 110 50 80 80 80 80 80 80 80 80 950 79
Film/Photos 100 80 80 50 50 60 50 50 50 50 620 52
Sports 200 200 200 150 200 200 200 200 200 200 200 2,150 179
Outdoor Recreation 100 100 100 100 100 100 100 100 100 100 100 1,100 92
Vacation/Travel 1,250 1,500 1,250 1,000 1,150 1,240 1,200 250 250 250 9,340 778
Other 0 0
Total ENTERTAINMENT 2,300 2,515 2,135 1,640 1,835 1,875 1,815 785 1,035 785 830 535 18,085 1,507
SAVINGS
Emergency 300 300 300 300 300 300 300 100 150 150 300 300 3,100 258
Transfer to Savings 500 500 700 500 500 485 600 200 300 300 500 400 5,485 457
Investments 200 200 200 200 200 200 200 200 200 200 200 200 2,400 200
Other 0 0
Total SAVINGS 1,000 1,000 1,200 1,000 1,000 985 1,100 500 650 650 1,000 900 10,985 915
SUBSCRIPTIONS
Newspaper 50 50 50 50 50 50 50 50 50 50 50 50 600 50
Magazines 20 20 20 20 20 20 20 20 20 20 20 20 240 20
Dues/Memberships 60 60 60 60 60 60 60 60 60 60 60 60 720 60
Other 0 0
Total SUBSCRIPTIONS 130 130 130 130 130 130 130 130 130 130 130 130 1,560 130
MISCELLANEOUS
Parent 300 400 300 300 400 300 400 300 300 500 300 400 4,200 350
Postage 20 20 20 20 20 20 20 20 20 180 15
Other 1,000 75 30 30 45 1,180 98
Other 0 0
Total MISCELLANEOUS 320 420 1,320 320 495 350 450 300 345 500 320 420 5,560 463

Starting Balance 1,500 [42] Total Ave


Total Income 12,500 162,000 12,000 12,000 12,000 12,500 12,000 12,000 12,100 12,000 12,000 12,500 295,600 24,633
Total Expenses 12,496 131,995 11,995 11,998 11,995 12,495 11,995 11,991 12,095 11,999 11,991 12,500 265,545 22,129
Balanced 4 30,005 5 2 5 5 5 9 5 1 9 0 30,055 2,505
Percentages 10.2%

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