FAMILY PERSONAL BUDGET

Benefits: Manage your own and your spoue's expectations, reduce uncertainty and stress.
Know your plan. Execute your plan. Stick to your plan.
Step 1: List your fixed income (net salary), excluding bonuses.
Step 2: List your monthly expenses
Step 3: Add your annual (yearly) expenses in specific months
Step 4: Calculate the total expenses
Step 5: Deduct the total expenses from your net income
If your balance is negative, you are planning to lose and you have a problem. If you have a positive answer, you are saving and planning to win.
January February March April May June July August September October November December Total
Net Salary - - - - - - - - - - - -
Minus Monthly Fixed Expenses:
- Tithing - - - - - - - - - - - - -
- Food & Drinks - - - - - - - - - - - -
- Soap / Toiletries - - - - - - - - - - - -
- Transport - - - - - - - - - - - -
- Medicine - - - - - - - - - - - -
- Electricity & Fuel - - - - - - - - - - - -
- Family Support - - - - - - - - - - - -
-
- - - - - - - - - - - - -
- - - - - - - - - - - - -
- - - - - - - - - - - - -
Minus Annual Expense and Incidental:
- House Rent -

- School Fees -

- Clothes -

- Birthdays, Weddings, Funeral

- Accident, Injury, Loss -

MONTH TOTAL 0 0 0 0 0 0 0 0 0 0 0 0 0

Savings or Deficits 0 0 0 0 0 0 0 0 0 0 0 0