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.