ESL Book 4 Reading Course:

Creating a Family/ Personal Budget: Dollars & Sense!

Income
Income from unemployment or work 2nd Job/Spouse income from unemployment or work Total monthly income

Needs
Rent/Lease or Mortgage Telephone/Cell phone Food Utilities Clothing Medical Care Insurance Transportation Transportation related expenses Necessities (e.g. Toiletries) Total needs expenses

Wants
Entertainment: Movies Movie Rentals ( e.g Netflix) Hobbies Eating out Tithes/Offering Club/Association Fees Travel Museums Childrens sports/uniforms/shoes Total wants expenses

Unexpected fees(CurveBalls!)

Emergency Room Fees Medication Unforeseen Car Repairs Doctors Visit Fee/ Co-pays, Deductible out-of-pocket fees Total Unexpected ( Curveball) Expenses

Monthly Income
Calculate expenses from monthly income Total Savings after expenses

Amount/ Cost
$ $ $

Amount/ Cost
$ $ $ $ $ $ $ $ $ $ $

Amount/ Cost
$ $ $ $ $ $ $ $ $ $

Amount/ Cost

$ $ $ $

$ $

( Subtract all expenses: wants & Needs-Total income)