Your Future Finances Project (Save this file in a Finance Folder in your student direc

Projected Monthly Income (Use semi-monthly pay period)

Income Estimated
Net Wages (Gross Income - Taxes) 3,781.38
Interest/dividends 0.00
Capital Gains 0.00
Side Jobs 0.00
Entrepreneurial Ventures 0.00
Income totals 3,781.38

Home Estimated
Mortgage/rent (Include property tax) 710.00
Utilities(Gas, Electricity, Water, Sewage, Trash) 50.00
Home telephone 0.00
Mobile telephone 45.00
Home repairs 0.00
Home improvement 0.00
Home security 0.00
Homeowners/Renter's Insurance
Home totals 805.00

Daily living Estimated

Groceries 100.00
Housecleaning service 0.00
Dry cleaning 0.00
Dining out 100.00
Dog walker 0.00
Other 0.00
Daily living totals 200.00

Transportation (Choose A Vehicle) Estimated

Gas/fuel 100.00
Insurance 100.00
Repairs 50.00
Car Payment 0.00
Parking 5.00
Public transportation 15.00
Transportation (Choose A Vehicle) 270.00

Health Estimated
Health club dues
Insurance
Prescriptions
Over-the-counter drugs
Co-payments/out-of-pocket
Veterinarians/pet medicines
Life insurance
Health totals 0.00

Holidays Estimated
Air fare 125.00
Accommodations 50.00
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 Food 50.00
Souvenirs 0.00
Pet boarding 0.00
Rental car 0.00
Holidays totals 225.00

Budget Spreadsheet by Spreadsheet123.com 2013 Spreadsheet123 LTD. All rights reserved

n a Finance Folder in your student directory)

Month

Month Total Estimated

Starting Balance
Total Income 3,781
Total Expenses 2,197
NET (Income - Expenses) 1,585

Dues/subscriptions Estimated
Magazines 0.00
Newspapers 0.00
Internet connection 60.00
Public radio 0.00
Public television 0.00
Religious organizations 0.00
Charity 0.00
Dues/subscriptions totals 60.00

Financial obligations Estimated

Long-term savings (10% PYF) 378.14
Retirement (401k, Roth IRA) 113.44
Credit card payments 0.00
College Loan Monthly Payment 0.00
Property Tax Estimate 0.00
Financial obligations totals 491.58

Personal Estimated
Clothing 50.00
Gifts 0.00
Salon/barber 10.00
Books 20.00
Music (CDs, etc.) 0.00
Personal totals 80.00

Entertainment Estimated
Cable TV 0.00
Video/DVD rentals 5.00
Movies/plays 0.00
Concerts/clubs 50.00
Entertainment totals 55.00

Recreation Estimated
Gym fees 10.00
Sports equipment 0.00
Team dues 0.00
Toys/child gear 0.00
Recreation totals 10.00

Unplanned Expenses Estimated

Examples: Pets, Car Accident/Repair, Appliance Repair, etc.

Budget Spreadsheet by Spreadsheet123.com 2013 Spreadsheet123 LTD. All rights reserved

 Unplanned Expenses totals 0.00

Budget Spreadsheet by Spreadsheet123.com 2013 Spreadsheet123 LTD. All rights reserved

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