Download - Real Person Budget
Real expenses Weekly Monthly Annual
Pay yourself first 401 (k) account
IRA or Roth IRA account
Emergency fund
College fund
Other savings
Rent/mortgage
Monthly payment
Condo/neighborhood fees
Food
Eating out
Lunch at work
Sodas, snacks at work/school
Stops at convenience store
Fast food
Groceries
Other
Coffee, etc.
Gourmet coffee, lattes, double
mochas, etc.
Cigarettes, cigars
Clothing
Planned shopping for school, work
“Impulse” shopping
Other
Shoes
For self
For spouse
For kids 1, 2, 3, etc.
Entertaining
Drinks after work with friends
Wine club fees and spending
Liquor and beer for the house
Dinner parties
Birthday parties for kids
Neighborhood/church cookouts
Video games
Other
Holidays
Gifts plus mailing costs
Travel
Decorating
Tree
Holiday parties, etc.
Real expenses Weekly Monthly Annual
Cards plus stamps
Gifts
Birthdays
Anniversaries
Weddings, funerals
Other
Movies
Going to the movies
Renting /Buying movies
Late fees for rentals
Cable on-demand movies
Other
Museums/
Theater/
Concerts
Taking kids to science/other museum
Tickets to a show (include dinner,
babysitter, parking)
Tickets to concert (see above)
Other
Sports
Tickets to games (see above)
Joining soccer/baseball/hockey, other
leagues
Judo, Tae-Kwon-Do, Yoga classes
Tennis
Golf club memberships/greens fees
Other
Communications
Telephone
Cell phones
PDA (BlackBerry, Palm Pilot)
Other
Computer
expenses
High-speed internet access
Software programs and games
Add-ons like CD burners, cords,
cameras, etc.
Internet service fees (beyond access
fees)
Digital camera printing fees
Buying a new computer
Other
Television
Cable or satellite TV fees
Real expenses Weekly Monthly Annual
TiVo boxes and monthly fees
Buying a new TV
Other
Automobiles
Car loan payments
Gasoline
Car washes
Oil changes
Other maintenance (tires, new
batteries, etc.)
Vacations
Hotels
Flights/rail
New clothes
Meals
Tickets to shows, sporting events,
musuems
Pet/House sitting
Other
Body upkeep
Health club/gym membership
Facials
Nails
Massages
Hair cuts and color
Cosmetics
Teeth whitening (including strips)
Plastic surgery
Other
Equipment for
hobbies
Golf clubs/balls/clothes
Workout clothes
Running shoes, hiking boots
Boat slip fees/maintenance
Kids’ uniforms, shoes for soccer, etc.
Bats, balls, gloves, etc.
Other
Pets
Vet bills
Boarding when you’re traveling
Groomer fees
Toys and collars
Dog walker
Regular medicines (flea/tick
preventative, heart worm)
Pet food
Real expenses Weekly Monthly Annual
Cleaning couch/carpets every year
Travel expenses (flights, etc.)
Pet insurance premium
Other
Kids
Daycare
Babysitters
School fees, tuition
Books, supplies
Lessons (ballet, languzage)
Allowance
Toys, games
$100 a month in untrackable costs
Other
Credit cards
Monthly minimums/Paydown balances
Late fees
Student loans
Monthly minimums
Late fees
Other loans
Monthly minimums
Late fees
ATM use
Unexplained withdrawals
ATM user fees
Home
Maintenance
Utilities (gas & electric)
Painting, repair, maintenance
Kitchen gadgets
Decorating, furnishings, rugs, etc.
Yard service
Garden/lawn plantings, etc.
Maid/Housekeeping services
Other
Financial
obligations
Property taxes (don’t count if in house
payment above)
Home/apartment insurance (see
above)
Auto insurance
Alimony/child support
Life/disability insurance
Other
Medical
expenses
Real expenses Weekly Monthly Annual
Health insurance
Doctor/Dentist co-pays
Uncovered expenses/deductibles
Prescription drug costs/co-pays
Over-the-counter medicine
Braces, etc.
Other
Charitable
contributions
Church tithing
Donations
Other
Reading
Books, magazine subscriptions
Music
CDs
Ipods
Computer download expenses
Satellite radio fees
Other
Other
untrackable
expenses
TOTAL
EXPENSES $0.00 $0.00 $0.00
TOTAL INCOME
WHAT’S LEFT $0.00 $0.00 $0.00
Developed with Elissa Buie, of Financial Planning Group, Inc., Falls Church, Va.