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Monitoring Your Monthly Spending
Household budgets are usually neither fun to prepare or to live by. A spending worksheet can help you identify how you are currently spending your money and identify areas where you can reduce your spending.
Here is a Household Spending Worksheet that can be used as a basis for analyzing your current spending patterns and perhaps determine how the “savings” line can be increased. For a more detailed and personalized look at your finances, be sure to call a First Tech budgeting and goal setting professional at 800.637.0852 x545.
Household Spending Worksheet
| Monthly Expenses |
Current |
Goal |
Comments or Observations |
| Savings |
$ |
$ |
|
| Housing Expenses |
$ |
$ |
|
| Mortgage payments or rent |
$ |
$ |
|
| Property Taxes |
$ |
$ |
|
| Maintenance or repairs |
$ |
$ |
|
| Utilities (gas/water/electricity) |
$ |
$ |
|
| Telephone/cable/internet |
$ |
$ |
|
| Housekeeping, laundry |
$ |
$ |
|
| Other housing expenses |
$ |
$ |
|
| |
|
|
|
| Transportation Expenses |
$ |
$ |
|
| Car loan or lease payments |
$ |
$ |
|
| Fuel, maintenance, repairs |
$ |
$ |
|
| Auto insurance |
$ |
$ |
|
| Public Transportation |
$ |
$ |
|
| Other transportation expenses |
$ |
$ |
|
| |
|
|
|
| Food & Entertainment Expenses |
$ |
$ |
|
| Groceries |
$ |
$ |
|
| Restaurants |
$ |
$ |
|
| Sports, hobbies, pastimes |
$ |
$ |
|
| Books, magazines |
$ |
$ |
|
| Vacations |
$ |
$ |
|
| Other |
$ |
$ |
|
| |
|
|
|
| Health Care Expenses |
$ |
$ |
|
| Doctors, dentists, etc. |
$ |
$ |
|
| Prescriptions |
$ |
$ |
|
| Health insurance |
$ |
$ |
|
| Other health care expenses |
$ |
$ |
|
| |
|
|
|
| Family Expenses |
$ |
$ |
|
| Schools, colleges |
$ |
$ |
|
| Child care |
$ |
$ |
|
| Alimony and child support |
$ |
$ |
|
| Other family expenses |
$ |
$ |
|
| |
|
|
|
| Other Expenses |
$ |
$ |
|
| Clothing, shoes, etc |
$ |
$ |
|
| Charitable contributions |
$ |
$ |
|
| Gifts, birthdays, holidays |
$ |
$ |
|
| Pets, veterinarian expenses |
$ |
$ |
|
| Paying off debts or credit cards |
$ |
$ |
|
| Life and disability insurance |
$ |
$ |
|
| Walking around money |
$ |
$ |
|
| Other |
$ |
$ |
|
| |
|
|
|
| Taxes |
$ |
$ |
|
| Social Security |
$ |
$ |
|
| Federal, state, local taxes |
$ |
$ |
|
| |
|
|
|
| Total Expenses |
$ |
$ |
|
|
