Monthly Budget Worksheet

Most People Spend 10% More Than They Make!

You probably know how much money you made last month, but do you know how much money you spent? Or do you know how much money you have left to spend this month? If you don't you're not alone, most people have no idea. The fact is most of us spend 10% more per month than we make. That comes out to $431 per month based on the average American income. No wonder the average credit card debt is now at $8,500!

So why is it so difficult to track spending? Today we live in a near "cashless" society. Using debit cards, credit cards, automatic deposits, and wire transfers we rarely even see our money. It's easier than ever to spend, spend, spend!

Click here to find out how to easily and effectively manage your money

Worksheet 1 | Worksheet 2 | Worksheet 3

Monthly Budget Worksheet for ____________________
Free financial worksheet (1 of 3)

To calculate your monthly budget simply print this budget worksheet and write down how much you currently spend for each of the budget categories per month below. Then add up all your budgeted expenses and compare that to your net monthly income.

BUDGET CATEGORY
AMOUNT

Allowances: #First_name#
Allowances: Spouse
Auto: Gas & Oil
Auto: Registration
Childcare
Clothing
Debt/Payment To: Credit Card #1
Debt/Payment To: Credit Card #2
Debt/Payment To: Credit Card #3
Debts: Car Payment #1
Debts: Car Payment #2
Debts: Mortgage
Donations
Entertainment: Cable & Internet
Entertainment: Movies & Events
Financial Plan: College Fund
Financial Plan: IRA
Financial Plan: Investments
Food: Dining Out
Food: Groceries
Health: Co-pay & Supplies
Household
Insurance: Auto
Insurance: Health
Insurance: Housing
Insurance: Life
Savings
Taxes: Property Taxes
Utilities: Electricity
Utilities: Gas
Utilities: Mobile Phone
Utilities: Phone
Utilities: Water/Sewer/Trash
Other Expense #1
Other Expense #2
Other Expense #3
Other Expense #4
Other Expense #5
Total Monthly Expenses
Monthly Net Income
Minus Expenses (from above)
Available Income

There is an automated way to do this! Mvelopes Personal will walk you easily through this process on your computer and help you get a monthly budget setup in just a few minutes. Mvelopes will allow you to create as many budget categories (envelopes) as you need and will help you track every aspect of your finances. No more paperwork or manual data entry. Get a free 30 day trial of Mvelopes Personal today by clicking here or visiting www.mvelopes.com.

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