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Lesson 92: MAKING A MONTHLY AND/OR A PAY PERIOD BUDGET: Copy this blank form several times and then fill out and copy again. I know that the total equals more than 100%. Allowable percentages are in the second column, adjust for your families budget. Use the Departments of Commerce and Treasury have web sites for budgeting percentages. Examine your pay-period or monthly budget carefully. Use Lessons 93 and 94 to complete the end-of-month budget to see how well you did. There are several self-help authors who do family finances, so go seek them out. Do your own research or recon.
| MONTH & YEAR | SHOULD BE % ACTUAL % | PAY DATE: | PAY DATE: | PAY DATE: |
| Mortgage with (*1) insurance or Rent | 25-30% | |||
| Home Owners (*1) Association, lot rent, & renter insurance* | 0-10% *some included | |||
| Water, Sewer, Garbage, Recyclables (*1) | 0-5% | |||
| Heat, A/C Electricity | 10% | |||
| Bundles, Phone, CATV, broadband | 10% | |||
| Cell Phone/Smart | 5-10% | |||
| Vehicle Payments or transportation costs: bus/train/taxi | 10-15% *no car, no ins. | |||
| Vehicle insurance* | 5% | |||
| Gas, maint., tires* | 10% | |||
| Basic food / supplies (*2) | 30% | |||
| Whim food and eating out (*2) | 8-12% | |||
| Life/health insurance | 5-8% | |||
| Tithe or charity | 5-10% | |||
| Payments on loans | 5-10% | |||
| Credit card payments | 8-12% | |||
| Buying clothes for cash & not credit | 6-11% | |||
| Entertainment (*2) [your description] | 4-8% | |||
| Disposable Income if any (*2): | ??% | |||
| Super Income: | any?? | |||
| Total Budget #s | 100-130% | |||
| Adjustments: | make your changes today! |
*1: Your housing experience may or may not have the above included, adjust your families budget to adapt to 30 to 40% total housing expense.
*2: Use Lessons 93 and 94 to make a better active budget to explain a lot of daily and weekly expenses using those forms. USE FVN FORMS; AND IF THEY DON’T HELP GET PROFESSIONAL HELP OR GET A PROFESSIONAL FINANCE EXPERT SELF-HELP BOOK. Try Suzi Orman or Dave Ramsey or many others. EVERYONE’S BUDGET IS DIFFERENT AND WE’RE MAKING YOU THINK SOME!!
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