BUDGET

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5 steps to tune up your budget

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 Finding My Why
Your WHY is the thing that inspires you. It's your reason for getting up every day, both personally and
professionally. It keeps you moving forward even when you're not motivated.

Step 1
What do you love to do? Make a list of things you love. Perhaps it's spending time with family or friends,
working on a hobby, traveling, or going to your job? Maybe it's a person that you really love and care about,
such as your partner, your parent, your child, or your sibling?

Step 2

Identify the times when you were the most happiest. What were you doing? What made these experiences
memorable for you? Use these experiences to help make a list of personal values that are important to you.
Perhaps you value financial security? Family? Health? Community?

Step 3
Write your WHY. Look at what you wrote down in Steps 1 and 2. For each point you've listed, ask yourself
why you love it. Why is it important to have in your life? You’ll find that by answering this question, you’ll
discover what’s really important to you. This will help you articulate your WHY.

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 Goal Setting
Use your WHY to help determine your financial goals. Knowing your goals can help you align your budget around
achieving them. You'll decide how much you need to set aside to reach each goal.

Goal #1

Monthly Amount
Goal Esitmated Cost Target Date
Needed

Action steps I need to take to achieve my goal

⃝

Goal #2

Monthly Amount
Goal Esitmated Cost Target Date
Needed

Action steps I need to take to achieve my goal

⃝

Goal #3

Monthly Amount
Goal Esitmated Cost Target Date
Needed

Action steps I need to take to achieve my goal

⃝

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 Fixed Expenses

Monthly Can it be reduced or eliminated? If yes,

Fixed Expense Yearly Amount
Amount how?

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 Variable Expenses

Monthly Can it be reduced or eliminated? If yes,

Variable Expense Yearly Amount
Amount how?

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 Debt Overview
If you want to reach your financial goals, you need to have an accurate picture of your current money situation. This
includes knowing your income, fixed and variable expenses, savings, and how much debt you have. Use this worksheet
to get a handle on how much debt you have so you can create a game plan for paying it back.

Interest Minimum New Monthly Target Payoff

Debt Name Balance
Rate Payment Payment Date

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 Budget Calendar
MONTH: GOAL:

SUNDAY M MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY

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Zero-Based Budget MONTH: ____________________________

INCOME BUDGET ACTUAL SAVINGS PLAN BUDGET ACTUAL

TOTAL INCOME

MONTHLY BILLS DUE AMOUNT

TOTAL SAVINGS
LEFTOVER

DEBT PAYMENTS BUDGET ACTUAL

TOTAL DEBT
LEFTOVER

DAILY LIVING BUDGET ACTUAL

BILL TOTAL
LEFTOVER

SINKING FUNDS BUDGET ACTUAL

SINKING FUNDS TOTAL DAILY LIVING TOTAL

LEFTOVER Final Budget (make it zero)

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