Budget Template - Middle Class Artist
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Surplus/Deficit
January February February March March April April May May June June July July August August September September October October November November December December
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ActualBudgetActualBudgetActualBudgetActualBudgetActualBudgetActualBudgetActualBudgetActualBudgetActualBudgetActualBudgetActualBudgetActualBudget
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Day Job Gross Income$0.00$2,100.00$2,100.00
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Singing Gross Income-$773.08$450.00$1,223.08
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Other income - gifts, family, etc.$0.00$0.00$0.00
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Total Cash Inflow-$773.08$2,550.00$3,323.08
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Emergency fund$150.00-$100.00-$250.00
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Investments$0.00$0.00$0.00
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Total Savings:$150.00-$100.00-$250.00
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Utilities (electric, water)$20.00-$75.00-$95.00
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Cable/Internet$0.00-$47.08-$47.08
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Groceries$10.00-$150.00-$160.00
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Eating Out$35.00-$65.00-$100.00
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Alcohol$50.00$0.00-$50.00
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Gas$35.00-$80.00-$115.00
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Entertainment-$30.00-$95.00-$65.00
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Travel, because we all gotta say hi to mama-$75.00-$150.00-$75.00
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Healthcare (copays, medication, etc.)$150.00$0.00-$150.00
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Health Insurance$0.00-$175.00-$175.00
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Car/Life/Disability Insurance$0.00-$111.00-$111.00
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Gym$0.00-$75.00-$75.00
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Household stuff - tools, paper towels, etc.$35.00-$65.00-$100.00
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Pets$15.00-$35.00-$50.00
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Gifts$45.00-$10.00-$55.00
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Vacation$40.00$0.00-$40.00
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Financial/Taxes$75.00$0.00-$75.00
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Other shopping$20.00$0.00-$20.00
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Mortgage/Rent$0.00-$1,100.00-$1,100.00
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Total Household Expenses:$425.00-$2,233.08-$2,658.08
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Day Job Expenses (train pass, parking)$40.00-$75.00-$115.00
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Deductible singing Expenses$0.00-$250.00-$250.00
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Non-deductible singing expenses$0.00-$50.00-$50.00
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Total Business Expenses:-$375.00-$415.00
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Total Cash Inflow-$773.08$2,550.00$3,323.08
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Total Savings$150.00-$100.00-$250.00
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Total Expenses$465.00-$2,608.08-$3,073.08
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Cash Outflow Total$615.00-$2,708.08-$3,323.08
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Transfer from Savings/Investments$0.00$0.00$0.00
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Remainder (try to make this 0 at the end of every month)
-$158.08-$158.08$0.00
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Notes:
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1) There are lots of ways to create more thorough analysis using this foundation. If you're new to budgeting your expenses, first make a habit of tracking your expenses and income.
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2) If you're already successfully tracking expenses and income, consider either: a) adding a second tab to your spreadsheet that lists all your transactions, or b) itemizing your savings and/or income streams into refined categories. More to come on both topics!
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