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2 | income | a simple budgeting spreadsheet. | |||||||||||||||||
3 | feel free to change and add categories as you wish! | wages & tips | $2,000.00 | This worksheet is a free and easy budget spreadsheet to help you track where your money is going. Please send feedback to david@moneyunder30.com. You are free to use and distribute this budgeting tool as you wish. You may even modify the sheet to meet your needs. I only ask that if you do modify this worksheet, you do not distribute any modified versions. Thank you, and enjoy! | If you would like to edit this click File > Make A Copy and then edit the copy. | ||||||||||||||
4 | second job | $250.00 | |||||||||||||||||
5 | interest | $15.00 | |||||||||||||||||
6 | misc. | $0.00 | |||||||||||||||||
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8 | total | $2,265.00 | http://www.moneyunder30.com | ||||||||||||||||
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10 | fixed expenses | debt | |||||||||||||||||
11 | rent | $500.00 | feel free to change and add categories as you wish! | student loan | $75.00 | ||||||||||||||
12 | cell phone | $60.00 | car payment | $175.00 | |||||||||||||||
13 | car inusrance | $55.00 | visa | $35.00 | |||||||||||||||
14 | gym | $15.00 | amex | $0.00 | |||||||||||||||
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16 | total | $285.00 | |||||||||||||||||
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18 | savings | ||||||||||||||||||
19 | total | $630.00 | feel free to change and add categories as you wish! | emergency fund | $100.00 | ||||||||||||||
20 | retirement | $50.00 | |||||||||||||||||
21 | variable expenses | other savings | $0.00 | ||||||||||||||||
22 | groceries | $200.00 | |||||||||||||||||
23 | electricity | $35.00 | |||||||||||||||||
24 | gas | $75.00 | total | $150.00 | |||||||||||||||
25 | parking | $20.00 | |||||||||||||||||
26 | dining out | $100.00 | your bottom line | ||||||||||||||||
27 | charity | $50.00 | income | $2,265.00 | |||||||||||||||
28 | misc. | $30.00 | expenses | $1,735.00 | |||||||||||||||
29 | remaining | $530.00 | |||||||||||||||||
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31 | savings and debt | ||||||||||||||||||
32 | total | $510.00 | savings ratio | 7% | |||||||||||||||
33 | debt-to-income ratio | 13% | |||||||||||||||||
34 | occasional expenses | ||||||||||||||||||
35 | car repairs | $50.00 | |||||||||||||||||
36 | medical | $25.00 | how are you doing? | ||||||||||||||||
37 | gifts | $25.00 | Overall: Nice job! You have a plan to spend less than you're bringing in. Consider using your extra money to pay down debt or build up savings. | ||||||||||||||||
38 | travel | $60.00 | |||||||||||||||||
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40 | total | $160.00 | Saving: A good starting savings goal is 10% of your income. As you get better at saving, shoot for 25%! | ||||||||||||||||
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43 | Debt: Your debt-to-income ratio is in an accetable range, but it's still a little high. Try to pay down your non-mortgage debt so that monthly payments account for less than 10% of your income. | ||||||||||||||||||
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