Friday, November 30, 2012

Budgeting [categories]

. . BUDGETING FOR SMARTIES WITH HOLIDAY BRAIN. .
. .EXAMPLES [as promised]. .

MONEY IN

}  your paycheck + any bonuses 
}  money as a gift
}  loans, grants
}  money from government programs
}  child support
}  money from items you sell 
...


MONEY OUT
In no particular order of importance, but the BOLD items are typically non-negotiable:

}  RENT/MORTGAGE
}  UTILITIES:  gas, power, water...
}  FOOD and groceries
}  CHILD NEEDS
}  INSURANCE:  car, home
}  DEBT:  credit card or loan payments, child support...
}  Other insurance:  dental, medical
}  Education
}  Transportation
}  Phone
}  Pet needs
}  Cable/TV/internet
}  Contributions/donations
}  Clothing and shoes
}  Home items
...

Once you have your lists, the trouble you go through to get your numbers for each will be well worth it.

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