stablish a Spending Plan Government Grants

stablish a Spending Plan Government Grants

Establish a Spending Plan

The first step toward financial freedom is establishing a spending plan. The worksheet below will show you how much money you have coming in and going out. Fill in the monthly dollar amounts for each item below. Then, subtract your total expenditures from your total income.

This is the amount you can save without making any changes in your spending habits. A recommended savings rate is 10% of your take-home pay. If you find that your total is a negative number or is less than you would like to save, you need to find areas where you can cut spending. Begin by recording all your expenditures for one month (cash, check and credit) in a notebook so you know exactly where your money is going. Look for areas where you can cut back. Perhaps you can rent videos rather than going to the movies, cut down on your dry cleaning bill, use coupons at the grocery store, carpool to work or take your lunch rather than eating out.

Once you have determined how much you can save each month, enter this amount on your worksheet as one of your permanent expenditures. Pay yourself first by setting aside your savings when you receive your paycheck, before you have a chance to spend the money on anything else. It helps to have savings automatically deducted from your paycheck or checking account. Don’t get discouraged if an emergency cuts into your savings. Just get back on track the following month.

Monthly Budget Worksheet
Income		Expenditures
Your Salary	________________	Rent or Mortgage	________________
Spouse's Salary	________________	Utilities (phone, cable, gas, electric)	________________
Bonuses	________________	Insurance (home/health/life/auto)	________________
Commissions	________________	Food	________________
Tips	________________	Clothing	________________
Interest Income	________________	Debt Obligations (alimony/child support/credit card balances)	________________
Rental Income	________________	Child Care Expenses	________________
Social Security Income	________________	Medical/Dental Expenses	________________
Pension Income	________________	Taxes (income/property)	________________
Alimony	________________	Transportation (car payments, gas, tolls)	________________
Other	________________	Personal (toiletries/allowances)	________________
	________________	Gifts (birthdays/holidays/charities)	________________
	________________	Recreation (movies/vacations)	________________
	________________	Other	________________
	________________		________________
Total Income:	________________	Total Expenditures:	________________
Subtract Total Expenditures from Total Income ________________________________________________

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