FIXED OR COMMITTED EXPENSES MONTH BY MONTH

Bare-Bones Budget for a Year

Peak Salary Someday

Asking for Next Job

1. Rent and household needs:

2. Medical needs:

3. Insurance:

4. Phone and utilities:

5. Car, gas and oil:

6. Debts:

7. Taxes: Federal, State and Local:

VARIABLE EXPENSES MONTH BY MONTH

8. Food and toiletries:

9. Clothing:

10. Recreation, sitter, etc.:

11. Church, charity, gifts:

12. Emergency fund:

SAVINGS (Omit, for Bare-Bones Budget)

13. Car replacement:

14. Children’s future (college):

15: Investments or unrestricted, or undesignated:

TOTAL BUDGET NEEDS