Budget planner

Financial Home / Education / Shopping / Entertainment /

Income Results
commitments utilities health transport eating out Summary Income

HOW TO USE Show results Monthly

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Programs Income
§  you can save Excel file to your own computer Income $0
§  you need Microsoft Office 2003 or higher (Excel) ###
Total income: $0
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Customising Outgoings ###
§  you can choose how often you receive income or pay expenses using the dropdown list in the frequency column Financial comm. $0
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§  you can customise the labels in the spreadsheet to better suit your needs by renaming existing fields Home $0
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Utilities $0
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NOTE: Altering the budget planner (eg. adding rows/columns) may result in incorrect outputs Education $0
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Health $0
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Shopping $0
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Feedback Transport $0
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We welcome all feedback. Send feedback via the website form (www.moneysmart.gov.au/feedback) or use the Entertainment $0
feedback options on the Budget Planner webpage Eating out $0

Total outgoings: $0

This original version of this budget planner is published on www.moneysmart.gov.au and is subject to copyright. What's left: $0###
per month
[Version: 2.01 - Sept 2013] ###

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Source: www.moneysmart.gov.au

Page 1
Budget planner
Financial Entertainment / eating
Income Home / utilities Education / health Shopping / transport Results
commitments out Summary

Income Show results Monthly

Frequency Amount Monthly amount
Your take-home pay Monthly $0 $0 Income ###
Your partner's take-home pay Fortnightly $0 $0 Income $0

Bonuses/overtime Annually $0 $0 Total income: $0

Income from savings and investments Annually $0 $0 ###
Outgoings Select
Centrelink benefits Fortnightly $0 $0 Financial comm. $0
Family benefit payments Fortnightly $0 $0 Home $0
Utilities $0
Child support received Monthly $0 $0 Education $0
Other Monthly $0 $0 Health $0
Total $0 Shopping $0
Transport $0
Entertainment $0
Eating out $0

Total outgoings: $0

What's left: $0
per month

Source: www.moneysmart.gov.au

Page 2
Budget planner
Financial Entertainment / eating
Income Home / utilities Education / health Shopping / transport Results
commitments out Summary

Financial Commitments Show results Monthly

Frequency Amount Monthly amount
Rent / Mortgage Weekly $0 $0 Income ###
Car loan repayments Monthly $0 $0 Income $0

Other loan repayments Monthly $0 $0 Total income: $0

Credit card interest Monthly $0 $0 ###
Outgoings Select
Voluntary super contributions Fortnightly $0 $0 Financial comm. $0
Savings Fortnightly $0 $0 Home $0
Utilities $0
Child support payments Monthly $0 $0 Education $0
Donations / Charity Monthly $0 $0 Health $0
Shopping $0
Pocket money Weekly $0 $0 Transport $0
Type in your own expense Monthly $0 $0 Entertainment $0
Total $0 Eating out $0

Total outgoings: $0

What's left: $0
per month

Source: www.moneysmart.gov.au

Page 3
Budget planner
Financial Education / Entertainment / eating
Income Home / utilities Shopping / transport Results
commitments health out Summary

Home Show results Monthly

Frequency Amount Monthly amount
Council rates Quarterly $0 $0 Income ###
Body Corporate fees Quarterly $0 $0 Income $0
Home and contents insurance Monthly $0 $0 ###
Home maintenance and repairs Annually $0 $0 Total income: $0
New furniture / Appliances Annually $0 $0 ###
Other Monthly $0 $0 Outgoings Select
Total $0 Financial comm. $0
Utilities Home $0
Utilities $0
Electricity Quarterly $0 $0 Education $0
Gas Quarterly $0 $0 Health $0
Water Quarterly $0 $0 Shopping $0
Internet Monthly $0 $0 Transport $0
Pay TV Monthly $0 $0 Entertainment $0
Home phone Monthly $0 $0 Eating out $0
Mobile phone(s) Monthly $0 $0 ###
Type in your own expense Monthly $0 $0 Total outgoings: $0
Total $0

What's left: $0
per month

Source: www.moneysmart.gov.au

Page 4
Budget planner
Financial Education / Entertainment / eating
Income Home / utilities Shopping / transport Results
commitments health out Summary

Education Show results Monthly

Frequency Amount Monthly amount
School fees Annually $0 $0 Income ###
Uni / TAFE Annually $0 $0 Income $0
Childcare / Pre-school Weekly $0 $0 ###
School uniforms Annually $0 $0 Total income: $0
Sport, music, dance, etc Annually $0 $0 ###
Excursions Monthly $0 $0 Outgoings Select
Other Monthly $0 $0 Financial comm. $0
Total $0 Home $0
Health Utilities $0
Education $0
Private health insurance Monthly $0 $0 Health $0
Life insurance Monthly $0 $0 Shopping $0
Doctors Annually $0 $0 Transport $0
Dentists Annually $0 $0 Entertainment $0
Medicines / Pharmacy Annually $0 $0 Eating out $0
Eyecare / Glasses Annually $0 $0 ###
Vet Annually $0 $0 Total outgoings: $0
Type in your own expense Monthly $0 $0 ###
Total $0
What's left: $0
per month

Source: www.moneysmart.gov.au

Page 5
Budget planner
Financial Education / Entertainment / eating
Income Home / utilities Shopping / transport Results
commitments health out Summary

Shopping Show results Monthly

Frequency Amount Monthly amount
Supermarket Weekly $0 $0 Income ###
Fruit / Veg Weekly $0 $0 Income $0
Baby products Weekly $0 $0 ###
Clothing / Shoes Monthly $0 $0 Total income: $0
Cosmetics / Toiletries Monthly $0 $0 ###
Hairdresser Quarterly $0 $0 Outgoings Select
Gifts and others Monthly $0 $0 Financial comm. $0
Other food and grocery Weekly $0 $0 Home $0
Total $0 Utilities $0
Transport Education $0
Health $0
Car insurance Annually $0 $0 Shopping $0
Car maintenance Annually $0 $0 Transport $0
Car rego / Licence Annually $0 $0 Entertainment $0
Petrol Fortnightly $0 $0 Eating out $0
Road tolls / Parking Monthly $0 $0 ###
Trains / Buses / Ferries Weekly $0 $0 Total outgoings: $0
Type in your own expense Monthly $0 $0 ###
Total $0
What's left: $0
per month

Source: www.moneysmart.gov.au

Page 6
Budget planner
Financial Education / Entertainment / eating
Income Home / utilities Shopping / transport Results
commitments health out Summary

Entertainment Show results Monthly

Frequency Amount Monthly amount
Holidays Annually $0 $0 Income ###
Bars / Clubs Weekly $0 $0 Income $0
Other alcohol Weekly $0 $0 ###
Gym / Sporting membership Monthly $0 $0 Total income: $0
Cigarettes Weekly $0 $0 ###
Movies / Music Fortnightly $0 $0 Outgoings Select
Hobbies Fortnightly $0 $0 Financial comm. $0
Newspaper / Magazines Weekly $0 $0 Home $0
Celebrations Annually $0 $0 Utilities $0
Other Monthly $0 $0 Education $0
Total $0 Health $0
Eating out Shopping $0
Transport $0
Restaurants Monthly $0 $0 Entertainment $0
Takeaway / Snacks Weekly $0 $0 Eating out $0
Bought lunches Weekly $0 $0 ###
Coffee / Tea Weekly $0 $0 Total outgoings: $0
Type in your own expense Monthly $0 $0 ###
Total $0
What's left: $0
per month

Source: www.moneysmart.gov.au

Page 7
 A
Budget planner
Financial Education / Entertainment /
Income Home / utilities Shopping / transport Results
commitments health eating out Summary Income

Show results Monthly

Summary ###
Your budget position: Income
You are spending what you earn. Income $0
Your life would be less stressful if you saved a little for a rainy day. ###
Total income: $0
###
Outgoings ###
Your spending breakdown
Financial comm. $0
Financial commitments Spending breakdown Home $0
Home / Utilities Financial commitmen 0 Utilities $0
Education / Health Home / Utilities 0 Education $0
Shopping / Transport Education / Health 0 Health $0
Entertainment / Eating out Shopping / Transport 0 Shopping $0
Entertainment / Eatin 0 Transport $0
Entertainment $0
Eating out $0
Next steps:
1) Work back through the budget planner to see where you could cut down on spending. Total outgoings: $0
2) If you feel like your debts are out of control, check out the 'Managing my money' section. ###
3) Print your plan. ###
What's left: $0
per month
###

Source: www.moneysmart.gov.au

Page 8
Budget planner

Summary

Summary Monthly amount

Total income: $0
Total outgoings: $0
What's left: $0

Your budget position:

You are spending what you earn.
Your life would be less stressful if you saved a little for a rainy day.

Your spending breakdown

Your spending breakdown Monthly amount

Financial commitments $0 Spending breakdown

Home / Utilities $0 Financial commitments $0

Education / Health $0 Home / Utilities $0

Shopping / Transport $0 Education / Health $0

Entertainment / Eating out $0 Shopping / Transport $0

Entertainment / Eating out $0

Next steps:

1) Work back through the budget planner to see where could you cut down on spending.
2) If you feel like your debts are out of control, check out the 'Managing my money' section.
3) Print your plan.
Budget planner

Your detailed budget

Income Frequency Amount Monthly amount Notes

Your take-home pay Monthly
Your partner's take-home pay Fortnightly
Bonuses/overtime Annually
Income from savings and investments Annually
Centrelink benefits Fortnightly
Family benefit payments Fortnightly
Child support received Monthly
Other Monthly

Financial Commitments Frequency Amount Monthly amount

Rent / Mortgage Weekly
Car loan repayments Monthly
Other loan repayments Monthly
Credit card interest Monthly
Voluntary super contributions Fortnightly
Savings Fortnightly
Child support payments Monthly
Donations / Charity Monthly
Pocket money Weekly
Type in your own expense Monthly

Home / Utilities Frequency Amount Monthly amount

Council rates Quarterly
Body Corporate fees Quarterly
Home and contents insurance Monthly
Home maintenance and repairs Annually
New furniture / Appliances Annually
Other Monthly
Electricity Quarterly
Gas Quarterly
Water Quarterly
Internet Monthly
Pay TV Monthly
Home phone Monthly
Mobile phone(s) Monthly
Type in your own expense Monthly

Education / Health Frequency Amount Monthly amount

School fees Annually
Uni / TAFE Annually
Childcare / Pre-school Weekly
School uniforms Annually
Sport, music, dance, etc Annually
Excursions Monthly
Other Monthly
Private health insurance Monthly
Life insurance Monthly
Doctors Annually
Dentists Annually
Medicines / Pharmacy Annually
Budget planner
Eyecare / Glasses Annually
Vet Annually
Type in your own expense Monthly

Shopping / Transport Frequency Amount Monthly amount Notes

Supermarket Weekly
Fruit / Veg Weekly
Baby products Weekly
Clothing / Shoes Monthly
Cosmetics / Toiletries Monthly
Hairdresser Quarterly
Gifts and others Monthly
Other food and grocery Weekly
Car insurance Annually
Car maintenance Annually
Car rego / Licence Annually
Petrol Fortnightly
Road tolls / Parking Monthly
Trains / Buses / Ferries Weekly
Type in your own expense Monthly

Entertainment / Eating out Frequency Amount Monthly amount

Holidays Annually
Bars / Clubs Weekly
Other alcohol Weekly
Gym / Sporting membership Monthly
Cigarettes Weekly
Movies / Music Fortnightly
Hobbies Fortnightly
Newspaper / Magazines Weekly
Celebrations Annually
Other Monthly
Restaurants Monthly
Takeaway / Snacks Weekly
Bought lunches Weekly
Coffee / Tea Weekly
Type in your own expense Monthly

Notes
Budget planner

Source: www.moneysmart.gov.au