Budget Template - Minimalisticmom.com
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Budget updated as of April 20, 2018
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IncomeDEBT
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Income 1 (Net after all deductions) $ 2,000.00 (list smallest to largest by total due) Monthly Total DueInterest Rate
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Income 2 (Net after all deductions) $ 2,000.00 Credit Card 3 $ 14.80 $740.0018%
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Income 3 (Net after all deductions)Medical Bill $ 16.00 $800.000%
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Income 4 (Net after all deductions)Credit Card 2 $ 36.90 $1,845.0018%
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Total $ 4,000.00 Credit Card 1 $ 44.00 $2,200.0029%
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Car $ 280.00 $14,000.004.70%
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Payroll Deductions (for notes only, not included in budget calculation)Student Loan $ 771.40 $38,570.008.90%
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Retirement $ -
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Garnishment $ -
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Medical $ -
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Childcare FSA $ -
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HSA $ -
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Total $ - Total $ 1,163.10 $ 58,155.00
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MONTHLY SPENDINGSINKING FUNDS
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Car Insurance $ 100.00
(Take the amount you expect to spend in a year, divide by 12)
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Phone $ 200.00 Clothing and Shoes $ 100.00
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Utilities - Electric $ 400.00 Haircuts and Personal Care Services $ 25.00
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Utilities - Gas $ 60.00 Petcare ($75 per month recommended) $ 75.00
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Utilities - Water $ 20.00 Household (toiletpaper, tissues, etc) $ 20.00
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Cable & Internet $ 20.00 School Expenses $ 15.00
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Subscriptions (Netflix, Hulu, Amazon Prime, etc) $ - Gifts (Christmas, Birthdays, Baby Shower, etc.) $ 100.00
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Auto Gasoline $ - Electronics $ 10.00
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Groceries $ - Home Maintenance (1%-2% of house value per year) $ -
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Restaurants $ - Car Maintenance/Tags ($75/car recommended) $ 75.00
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Daycare/Preschool $ - Medical (RX, Copays, Contacts, Dental) $ 150.00
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$ - Kids Classes/Activities $ 10.00
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$ - Adult Classes/Activities $ -
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$ - Tuition $ -
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$ - Property Taxes (if not included in mortgage) $ -
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$ - Travel $ 70.00
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$ - Annual Memberships (AAA, Amazon Prime, etc) $ -
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$ - New Car Fund $ -
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$ - $ -
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$ - $ -
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Total $ 800.00 Total $ 650.00
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Total Net Income $ 4,000.00
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Total Expenses $ 2,613.10
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Income less Expenses $ 1,386.90
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Goals
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AmountEstimated Time to Complete
Date to complete
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Pay off Credit Cards$4,785.003 1/2 Months7/1/2016
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Pay off Medical Bills$800.001/2 Month7/1/2016
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Pay off Car$14,000.009 1/2 Months5/1/2017
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Pay off Student Loans$38,570.0022 Months3/1/2019
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Increase retirement savings to 15% of income
Excess $ will be 1950 per month with retirement deduction
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Save downpayment for house$60,000.002 1/2 Years9/1/2021
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Save for kids college$100,000.005 Years9/1/2026
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Template Created by Minimalisticmom.com
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