Budget &

Finance
PLANNER

OWNER

YEAR
 monthly budget
MONTH:
BUDGET:

INCOME BUDGET ACTUAL AFTER TAX

FIXED EXPENSE DAY AMOUNT SPENDING DAY AMOUNT

SAVINGS/DEBT SOURCE ACCOUNT DEPOSIT BALANCE AT MONTH END

 month at a glance
MONTH:

EXPENSES CHECKLIST SAVINGS TRACKER

START BALANCE: GOAL

END BALANCE:

PAID BILL DESCRIPTION BUDGET ACTUAL MONTH GOAL ACTUAL

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TOTAL SAVED:
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 GOAL

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MONTH GOAL ACTUAL

 TOTAL SAVED:

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DEBT TRACKER

DEBT
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MONTH GOAL ACTUAL
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 TOTAL DEBT:

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TOTAL INCOME:
 - ACTUAL BILLS:

 - SAVINGS:

 - DEBT

 END BALANCE:

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 50/30/20 budget
AFTER TAX INCOME
INCOME STATE TAX NATIONAL INSURANCE OTHER DEDUCTONS TOTAL

20% BREAKDOWN
RENT, UTILITIES, GROCERIES,
50%
TRANSPORTATION, ETC.
FIXED EXPENSES

50% EATING OUT, GYM MEMBERSHIP,

30% SHOPPING, ETC.
LIFESTYLE

SAVINGS, DEBTS, RETIREMENT,

30% 20%
EMERGENCY FUNDS
FINANCES

50% 30% 20%

 budget worksheet
Now that you’ve categorized your finances according to the 50/30/20 rule, use the worksheet below to calculate
what percentage of your income is being used for each category.If the total for a specific category is greater than
what the 50/30/20 rule specifies then you know where you need to reduce your spending!

Use this formula to work out your percentage: Expense ÷ Total Income x 100

TOTAL INCOME

INCOME INCOME (AFTER TAXES)

CATEGORY EXPENSE AMOUNT PERCENTAGE

50%
MORTGAGE/RENT
FIXED EXPENSES
UTILITIES

INSURANCE

TRANSPORTATION

GROCERIES

OTHER

TOTAL

30%
PHONE
LIFESTYLE

GYM MEMBERSHIP

CLOTHING/SHOPPING

EATING OUT

ENTERTAINMENT

OTHER

TOTAL
20%
DEBT REPAYMENTS
FINANCES

STUDENT LOAN

RETIREMENT

EMERGENCY

OTHER

TOTAL
 financial goals
FINANCIAL GOAL

ACTION PLAN

ACTION STEPS & MILESTONES

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PROGRESS:

COMPLETION DATE:
 annual overview
MONTH INCOME EXPENSE SAVINGS END BALANCE

JANUARY

FEBRUARY

MARCH

APRIL

MAY

JUNE

JULY

AUGUST

SEPTEMBER

OCTOBER

NOVEMBER

DECEMBER

TOTAL

ANNUAL PERSONAL FINANCES REVIEW CHECKLIST

TASK COMPLETE DATE


REVIEW FINANCE ACCOUNTS (can you pay lower interest rates, re -
mortgage or combine credit cards?)

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REVIEW UTILITIES SERVICES (are you getting the best deals for
your money?)

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REVIEW MONTHLY EXPENSES (are there any expenditure that you
can eliminate?)

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REVIEW YOUR CREDIT REPORT (are there any errors or incorrect
information?)

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REVIEW YOUR SAVING GOALS (ae you still on track? How can you
reach your goal quicker?)

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REVIEW DEBT PAYMENTS (are you paying debts off on a regular
basis?)
 expense tracker
MONTH:

DATE DESCRIPTION CATEGORY AMOUNT CASH CREDIT DEBIT

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TOTAL
 income tracker
MONTH:

DATE DESCRIPTION SOURCE AMOUNT

TOTAL
 account tracker
OPENING BALANCE:

DATE ACCOUNT TRANSACTION CATEGORY WITHDRAWAL DEPOSIT END BALANCE

 BILL
DATE

JAN

FEB

MAR

APR

MAY

JUN
bill tracker

JUL

AUG

SEP

OCT

NOV

DEC
 saving tracker
SAVING FOR: GOAL AMOUNT:

STARTING BALANCE: DEADLINE:

DATE DEPOSIT AMOUNT WITHDRAWAL AMOUNT BALANCE

 debt tracker
CREDITOR: TOTAL DEBT:

USERNAME: P/W:

ACCOU NT NO. STARTING BALANCE

MIN. PAYMENT

CREDIT LIMIT INTEREST RATE

JANUARY FEBRUARY MARCH APRIL MAY JUNE

JULY AUGUST SEPTEMBER OCTOBER NOVEMBER DECEMBER

CREDITOR: TOTAL DEBT:

USERNAME: P/W:

ACCOUNT NO. STARTING BALANCE

DEADLINE DATE MIN. PAYMENT

CREDIT LIMIT INTEREST RATE

JANUARY FEBRUARY MARCH APRIL MAY JUNE

JULY AUGUST SEPTEMBER OCTOBER NOVEMBER DECEMBER

 donations tracker
DATE ITEM/MONEY ORGANISATION CONDITION VALUE RECEIPT

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 no spend challenge
IDEAS FOR EACH MONTH COMPLETE MONTH OF COMPLETION

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SKIP THE RESTAURANTS AND SAY NO TO FAST FOOD – add
to savings instead.

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DON’T BUY A SINGLE NEW THING – wait until next month

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PACK YOUR LUNCH EVERY DAY THIS MONTH

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SPEND NO MONEY ON ALCOHOL/FIZZY DRINKS – add to
savings instead

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DON’T SPEND ON ENTERTAINMENT (cinema, gambling,
games, etc.)

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CANCEL YOUR NETFLIX SUBSCRIPTION FOR THE MONTH –
add to savings instead

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FIND EXTRA WAYS TO EARN MONEY THIS MONTH (extra
hours at work, car boot sale…)

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NO ONLINE SPENDING FOR THE MONTH – add to savings
instead

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EXPENSIVE HABIT OR HOBBY? – cut back and use the
extra to pay off a debt

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KEEP THE HEAT OFF AS LONG AS POSSIBLE – instead layer
with jumpers and blankets

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OPT FOR DATES IN THE HOUSE RATHER THAN GOING OUT

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NO SPENDING AT ALL – with exceptions for fixed
expenses

THIS MONTH’S CHALLENGE THE PROGRESS

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THIS MONTH’S CHALLENGE THE PROGRESS

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THIS MONTH’S CHALLENGE THE PROGRESS

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THIS MONTH’S CHALLENGE THE PROGRESS

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THIS MONTH’S CHALLENGE THE PROGRESS

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THIS MONTH’S CHALLENGE THE PROGRESS

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THIS MONTH’S CHALLENGE THE PROGRESS

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THIS MONTH’S CHALLENGE THE PROGRESS

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MONTH:
monthly bills
MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY SUNDAY
 yearly overview YEAR:

ITEM JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC TOTAL
online shopping tracker
ITEM WEBSITE ORDER DATE SHIPPED DATE RECEIVED

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money journal