Personal Monthly Budget - Dr.

Sanjeev Kumar - FEB 2009

Income 1 Rs40,000
PROJECTED BALANCE (Projected income minus expenses)
Rs13,650
PROJECTED MONTHLY INCOME
Extra income Rs
Total monthly income Rs40,000
ACTUAL BALANCE (Actual income minus expenses) Rs30,138
Income 1 Rs40,000
ACTUAL MONTHLY INCOME
Extra income Rs
DIFFERENCE (Actual minus projected) Rs43,788
Total monthly income Rs40,000

HOUSING Projected Cost Actual Cost Difference ENTERTAINMENT Projected Cost Actual Cost Difference
Mortgage or rent Rs70 Rs70 Rs0 Video/DVD Rs0 Rs0 Rs0
Phone Rs1,500 Rs1,282 Rs218 CDs Rs500 Rs0 Rs500
Electricity Rs70 Rs0 Rs70 Movies Rs0 Rs0 Rs0
Gas Rs350 Rs0 Rs350 Concerts Rs0 Rs0 Rs0
Water and sewer Rs20 Rs20 Sporting events Rs0 Rs0 Rs0
Cable Rs0 Rs0 Live theater Rs0 Rs0 Rs0
Waste removal Rs0 Rs0 Other Rs0 Rs0 Rs0
Maintenance or repairs Rs0 Rs0 Other Rs0 Rs0 Rs0
Supplies Rs0 Rs0 Other Rs0 Rs0 Rs0
Other Rs0 Total Rs0 Rs500
Total Rs2,010 Rs1,352 Rs658
LOANS Projected Cost Actual Cost Difference
TRANSPORTATION Projected Cost Actual Cost Difference Personal Rs1,000 Rs1,000
Vehicle payment Rs8,000 Rs8,000 Rs0 Student Rs0
Bus/taxi fare Rs0 Rs0 Credit card Rs0
Insurance Rs0 Rs0 Credit card Rs0
Licensing Rs0 Rs0 Credit card Rs0
Fuel Rs0 Rs0 Other Rs0
Maintenance Rs1,000 Rs1,000 Total Rs1,000 Rs0 Rs1,000
Other Rs3,000 Rs3,000
Total Rs12,000 Rs8,000 Rs4,000 TAXES Projected Cost Actual Cost Difference
Federal/ Income Rs10,000 Rs10,000
INSURANCE Projected Cost Actual Cost Difference State Rs0 Rs0
Home Rs0 Local Rs0 Rs0
Health Rs0 Other Rs0 Rs0
Life Rs10,000 Rs10,000 Total Rs10,000 Rs0 Rs10,000
Other Rs0
Total Rs10,000 Rs0 Rs10,000 SAVINGS OR INVESTMENTS Projected Cost Actual Cost Difference
Retirement account Rs2,500 Rs2,500
FOOD Projected Cost Actual Cost Difference Investment account/ MFs Rs6,000 Rs6,000
Groceries Rs1,000 Rs500 Rs500 Other/ Shares/ Equity Rs6,000 Rs6,000
Dining out/ Mess Bill Rs400 Rs400 Total Rs14,500 Rs0 Rs14,500
Other Rs0
Total Rs1,400 Rs500 Rs900 GIFTS AND DONATIONS Projected Cost Actual Cost Difference
Charity 1 Rs0 Rs0
PETS Projected Cost Actual Cost Difference Charity 2 Rs0 Rs0
Food Rs400 Rs400 Charity 3 Rs0 Rs0
Medical Rs100 Rs100 Total Rs0 Rs0 Rs0
Grooming Rs0
Toys Rs0 LEGAL Projected Cost Actual Cost Difference
Other Rs0 Attorney Rs0 Rs0
Total Rs500 Rs0 Rs500 Alimony Rs0 Rs0
Payments on lien or judgment Rs0 Rs0
PERSONAL CARE Projected Cost Actual Cost Difference Other Rs200 Rs200
Medical Rs500 Rs500 Total Rs200 Rs0 Rs200
Hair/nails Rs20 Rs10 Rs10
Clothing Rs500 Rs500 OUTSTANDING DUES, IF ANYProjected Cost Actual Cost Difference
Dry cleaning Rs100 Rs100 Dues 1 Rs0 Rs0 Rs0
Health club Rs0 Dues 2 Rs0 Rs0 Rs0
Organization dues or fees Rs100 Rs100 Dues 3 Rs0 Rs0 Rs0
Other Rs0 Other Rs0 Rs0 Rs0
Total Rs1,220 Rs10 Rs1,210 Total Rs0 Rs0 Rs0

FAMILY/ KIDS CARE Projected Cost Actual Cost Difference

TOTAL PROJECTED COST Rs53,650
Medical Rs100 Rs100
Hair/nails Rs20 Rs20
TOTAL ACTUAL COST Rs9,862
Clothing Rs500 Rs500
Dry cleaning Rs100 Rs100
TOTAL DIFFERENCE Rs44,288
Health club Rs0
Organization dues or fees Rs100 Rs100
Other Rs0
Total Rs820 Rs0 Rs820