Personal Budget

	A	B	C	D	E	F	G	H	I	J	K
1	To edit this budget and make it yours, simply make a copy in your google drive or download it to your device.
2					Not sure where to start? That’s okay - really. Budgeting can feel overwhelming at any stage of life, and it’s totally normal to have questions. Whether you’re fresh out of school, raising a family, planning for retirement, or anywhere in between—this tool is here to help you build a plan that fits your life. No pressure. No judgment. And if you want a hand walking through it, we’re right here. Friendly advice, clear answers, and step-by-step support—just the way it should be. 📞 Call us: 1-306-845-2105 📧 Email: info@turtlefordcu.ca 🏠 Visit: 208 Main Street, Turtleford, SK
3	Monthly Fixed Expenses			Monthly Variable Expenses			Monthly Net Income			End of month balance
4	(These don’t change much month to month)			(These might change each month)			(List any regular sources of money)
5	Total	$750.00		Total	$200.00		Total	$1,500.00		Monthly income	$1,500.00
6		enter amounts, below			enter amounts, below					Less: Fixed expenses	$750.00
7	Mortgage/Rent	$750.00	example amount	Groceries	$200.00	example amount	Paycheque	$1,500.00	example amount	Less: Variable expenses	$200.00
8	Mortgage/Renters Insurance			Entertainment			Part-time/Gig income
9	Property Tax			Personal care			Other:			Leftover or Shortfall	$550.00
10	Power			Dining out
11	Heat			Fitness						Tips to Make the Most of Your Budget Got money left over? Awesome! Consider adding it to your savings—or get a head start on next month’s bills. Coming up short? That’s okay. Review your variable expenses (like takeout or subscriptions), or look for ways to bring in a bit of extra income. Treat savings like a bill. Set aside something for emergency savings each month—even a small amount adds up. Try the 50/30/20 rule: 50% for needs, 30% for wants, and 20% for savings or debt payments. Want a fresh start each month? Duplicate this sheet, rename it, and build a monthly habit that works for you.
12	Utilities (water, sewer)			Gifts
13	Cell phone/Landline			Clothing
14	Transportation (bus/gas)			Gasoline
15	Streaming services (ex. Netflix, Spotify)			Other:
16	Loan payments			Other:
17	Insurance (auto, tenant)			Other:
18	Subscriptions (gym, etc.)
19	Emergency Savings
20	Other:
21	Other:
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