Household Budget Worksheet
           Make sure that you include all net or take-home income and expenses as accurately as possible.  Each 
           expense category has a recommended distribution of your income associated with it. 
           Monthly Take Home Income                                Debt 5%
           Household wages                                         Credit Card
           Salary or Wages (Spouse)                                Credit Card
           Social Security                                         Credit Card
           Military Pay                                            Personal Loans
           Retirement Interest Income                              Student Loans
           Alimony / Child Support                                 Medical Bills
           Unemployment                                            Other
           SNAP Benefits                                           Other
           Other Income                                                      Total Unsecured Debt          $0
                            Total Take Home Income          0
                                                                   Investments and Savings
           Housing Expenses 35%                                    Emergency Fund                          $0
           Rent                                                    Savings Account
           1st Mortgage (PITI/HOA                                  Financial Goal 1
           2nd Mortgage (PITI)                                     Financial Goal 2
           Heating                                                 Retirement Funds (IRA, Roth IRA)
           Electric                                                Stocks/Bonds)
           Water/Sewer                                                                Total Savings        $0
           Repairs/Improvements
           Other                                                   Summary of Budget 
                                     Total Expenses       $0       Total Take Home (Income )               $0
                                                                   Total Living Expenses (-)               $0
           Transportation 20%                                           Disposable Income or Deficit    $0.00 
           Auto Loan                                               Disposable Income as Percent        #DIV/0!
           Auto Insurance
           Gas/Maintenance
           Public Transportation/Taxi                                Note:  If you have a deficit, you should seek 
           Parking/Tolls                                             the help of a credit counseling agency to help 
                                    Total Expenses        $0         you reduce expenses as well as create a 
                                                                     workable budget for you and your family.
                                                                     This budget is a recommendation based on the 
                                                                     Financial Community Guideline.  Every 
                                                                     situation is different.  These guidlines are just 
                                                                     one tool to help keep your finances healthy.
                                                                     For more information 
                                                                     about managing your 
                                                                     finances call 
                                                                     800-769-3571 
                                                                     to speak to a credit 
                                                                     counselor today. 
                                                                                      Note:  If you have a deficit, you should seek 
                                                                                      the help of a credit counseling agency to help 
                                                                                      you reduce expenses as well as create a 
                                                                                      workable budget for you and your family.
             Other Living Expenses 20%                                                This budget is a recommendation based on the 
                                                                                      Financial Community Guideline.  Every 
             Groceries                                                                situation is different.  These guidlines are just 
             Eating Out (snacks, meals etc)                                           one tool to help keep your finances healthy.
             Household Items
             Clothing                                                                 For more information 
             Personal Care (toiletries, haircuts, etc)
             Education (tuition, supplies, activities)                                about managing your 
             Entertainment                                                            finances call 
             Prescriptions                                                            800-769-3571 
             Medical (co-pays, non-insured bills)
             Contributions/Donations/Gifts                                            to speak to a credit 
             Other                                                                    counselor today. 
             Other 
                               Total Other Living Expenses                $0