Comprehensive-Household-Spending-Plan-v1_4
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ABCDEFGHIJK
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name Comprehensive Household Spending Plan v1.4date
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Income1
Monthly net/take-home income for the household, all sources.
1
3
Pay yourself first2Designated monthly surplus for use toward financial goals including retirement savings and additional debt payments. 2
4
Reserve for non-monthly expenses3a
Property/estimated tax payments (annual total).
3aThis is the amount you'll need to save in reserve each month in order to cover your non-monthly, non-discretionary expenses.
5
b
Auto / home / life / health insurance (if not paid monthly).
3b
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c
Home maintenance and upkeep (annual average).
3c
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(Enter annual amounts)dAuto maintenance/replacement (annual average).3d
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eMedical/pet care (annual average).3e
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f
Other non-monthly, non-discretionary expenses.
3f
10
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Add lines 3a through 3f for an annual subtotal.
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11
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Divide line 4 by the number 12 for monthly non-discretionary reserve savings.
5
12
6aHolidays/birthdays/gifts (annual total).6a
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bVacation/travel (annual average).6bThis is the amount you'll need to save in reserve each month in order to cover your non-monthly, discretionary expenses.
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cDues/subscriptions (if not paid monthly).6c
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d
Education/enrichment/recreation (annually).
6d
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e
Personal property replacement (annual average).
6e
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fClothing (annual average).6f
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g
Other non-monthly, discretionary expenses.
6g
19
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Add lines 6a through 6g for an annual subtotal.
7
20
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Divide line 7 by the number 12 for monthly discretionary reserve savings.
8
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Monthly obligations9
Minimum debt payments (total of minimums only)
9
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10Alimony/child support.10
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11Charity/pledges/tithe.11
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Add lines 9, 10, and 11. This is your total monthly obligations.
12
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Monthly bills13Housing (rent, mortgage, HOA).13
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Utilities (electric, gas, water, sewer, trash).
14
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15Telephone/mobile phone service.15
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16Internet.16
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17Television/entertainment.17
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Auto / home / life / health insurance (paid monthly).
18
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19Child care.19
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Other monthly bills (dues, fee, subscriptions).
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33
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Add lines 13 through 20. This is your total monthly bills.
21
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Monthly household discretionary spending22Food/dining.22
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23Auto fuel/transportation.23
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24Fun/entertainment.24
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Other (personal, beauty, vices, miscellaneous).
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Add lines 22 through 25. This is your monthly discretionary spending.
26
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Total expenses27
Add lines 5, 8, 12, 21, and 26. This is your average monthly spending.
27
40
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Add line 2 to line 27. This is your average monthly expenses.
28
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Unallocated spending29Subtract line 28 from line 1. If negative, enter zero. This is the additional amount you can save and/or spend each month. 29
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Amount to cut30If line 28 is greater than line 1, subtract line 1 from line 28. This is the monthly amount to cut from spending. 30
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© 2017 by Dylan L. Ross. This work is made available under the terms of the Creative Commons Attribution-ShareAlike 3.0 license, http://creativecommons.org/licenses/by-sa/3.0/.
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