[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-248656-105":53,"doc-detail-248656-en":127},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":120,"head_meta":122,"extra_data":124,"updated_unix":126},105,"en","greenpath-budgeting-worksheet-create-a-monthly-budget-in-two-steps","GreenPath Budgeting Worksheet - Create a Monthly Budget in Two Steps","","Create a practical monthly budgeting worksheet that helps plan both short-term and long-term financial goals. Follow two steps: calculate monthly income by converting weekly or bi-weekly pay into monthly amounts and estimating average income for inconsistent schedules. Then list recurring and variable expenses using category tables, including housing, transport, health, food, personal/family costs, school, debt, and savings. Use the totals to identify surplus or deficit and guide next actions toward debt payoff and goal saving.",{"@graph":63,"@context":119},[64,80,102],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":36,"@type":70,"position":76},"https://docshare.wps.com/template/forms/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/greenpath-budgeting-worksheet-create-a-monthly-budget-in-two-steps/248656/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/greenpath-budgeting-worksheet-create-a-monthly-budget-in-two-steps/248656.png","ImageObject",442,249,{"name":88,"@type":89},"Paura","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-22","2026-09-12",true,{"@type":98,"interactionType":99,"userInteractionCount":101},"InteractionCounter",{"@type":100},"ViewAction",8,{"@type":103,"mainEntity":104},"FAQPage",[105,111,115],{"name":106,"@type":107,"acceptedAnswer":108},"How do I calculate monthly income from a weekly or bi-weekly pay schedule?","Question",{"text":109,"@type":110},"Use the weekly schedule by multiplying weekly income by 52 and dividing by 12. For a bi-weekly schedule, multiply by 26 and divide by 12.","Answer",{"name":112,"@type":107,"acceptedAnswer":113},"What should I do if my pay schedule is inconsistent?",{"text":114,"@type":110},"Use last year’s total income and divide by 12 to estimate your average monthly income.",{"name":116,"@type":107,"acceptedAnswer":117},"How can I tell whether my budget has a surplus or a deficit?",{"text":118,"@type":110},"Compare Total Income and Total Expenses: if income is greater, it’s a budget surplus; if expenses are greater, it’s a budget deficit.","https://schema.org",{"og:url":78,"og:type":121,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":123,"canonical":78},"index,follow",{"doc_id":125,"site_id":56},248656,1789247146,{"code":4,"msg":5,"data":128},{"doc_id":125,"user_id":129,"nickname":88,"user_avatar":130,"doc_module":9,"category_id":35,"category_name":36,"doc_title":59,"doc_description":61,"doc_content":131,"file_id":132,"file_url":133,"file_type":134,"file_size":135,"view_count":101,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":76,"language":136,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":137,"faqs":138,"seo_title":139,"seo_description":61,"update_tm":126,"read_time":9},13056712833777,"https://ap-avatar.wpscdn.com/davatar_29158cc5080c5b710cf443261637dec0","Budgeting Worksheet  \nCreate a Monthly Budget in Two Steps  \nSetting a budget and developing a spending plan is a great way to relieve uncertainty and stress while also helping you to figure out how to meet both your short-term and long-term financial goals. Use this worksheet to calculate your monthly expenses and income to get an idea of what you have to work with, what your commitments are, and what you have remaining to devote to your goals.  \nPage 1 of 3  \n\\#1  \nCalculate Your Monthly Income  \nFigure out how much you get paid each month, after taxes are removed, and add it to the table.  \nWeekly pay schedule: Multiply your weekly income by 52 and then divide by 12.  \nBi-weekly pay schedule (every two weeks): Multiply by 26 and then divide by 12.  \nInconsistent pay schedule: If your pay is not on a consistent schedule (e.g., seasonal work, side income), take last year’s total income and divide by 12 for your average monthly income.  \n\n| Paycheck ( income after taxes, benefits, and check-cashing fees) | $ |\n| --- | --- |\n| Other income (e.g., side jobs, child support) | $ |\n| Total Monthly Income | $ 0.00 |\n\nBudgeting Worksheet Page 2 of 3  \n\\#2  \nCalculate Your Monthly Expenses  \nRecord your expenses using the table below. For expenses that change from month-to-month (such as utilities), use your average spending based on past month’s bills.  \nHEALTH TRANSPORT FOOD HOUS ING  \n\n| Rent or mortgage | $ |\n| --- | --- |\n| Renter's insurance or homeowners insurance | $ |\n| Utilities (e.g., electric, gas, water) | $ |\n| Internet, cable, and cell phone and/or landline | $ |\n| Other housing expenses (like property taxes) | $ |\n|  |  |\n| Groceries and household supplies | $ |\n| Meals out | $ |\n| Other (e.g., meal subscription) | $ |\n|  |  |\n| Public transit (e.g., bus, taxi, ride-sharing | $ |\n| Gasoline | $ |\n| Car maintenance (e.g., oil change, new tires) | $ |\n| Car payments (e.g., insurance, loans, lease | $ |\n| Other transportation expenses (e.g., parking, tolls) | $ |\n|  |  |\n| Prescriptions and medications | $ |\n| Health insurance ( if not deducted from paycheck) | $ |\n| Other medical expenses (e.g., copay, glasses, contacts) | $ |\n\nBudgeting Worksheet Page 3 of 3  \nOTHER PERSONAL & FAMILY  \n\n| Child care (e.g., daycare, babysitter) | $ |\n| --- | --- |\n| Money given or sent to family (e.g., gifts, child support) | $ |\n| Clothing and shoes | $ |\n| Entertainment (e.g., movies, concerts) | $ |\n| Subscriptions (e.g., streaming services, music, mobile apps) | $ |\n| Pet care (e.g., food, vet, dog-daycare) | $ |\n| Other personal or family expenses (e.g., toiletries, makeup, haircut) | $ |\n|  |  |\n| School costs (e.g., supplies, tuition, student loans) | $ |\n| Other debt payments (e.g., personal loans, credit cards) | $ |\n| Savings (e.g., emergency fund, holidays, vacation) | $ |\n| Other expenses or fees | $ |\n|  |  |\n| Total Monthly Expenses | $ 0.00 |\n\nTotal Income $ 0.00  \nTotal Expenses $ 0.00  \nIf your income is greater than your expenses, this is a budget surplus: use this money to save for goals and to add to your savings account! If your expenses are greater than your income, this means  \nyou have a budget deficit.  \nBudget Planning & Financial Counseling  \nConnect with GreenPath Financial Wellness for a free counseling session. We can help you to make a budget plan and may be able to help you pay down your debt.","cbCaitdh6qDiBfej","https://ap.wps.com/l/cbCaitdh6qDiBfej","pdf",2034587,"English","# Budgeting Worksheet\n## Create a Monthly Budget in Two Steps\n## Step 1: Calculate Your Monthly Income\n## Step 2: Calculate Your Monthly Expenses","[{\"question\":\"How do I calculate monthly income from a weekly or bi-weekly pay schedule?\",\"answer\":\"Use the weekly schedule by multiplying weekly income by 52 and dividing by 12. For a bi-weekly schedule, multiply by 26 and divide by 12.\"},{\"question\":\"What should I do if my pay schedule is inconsistent?\",\"answer\":\"Use last year’s total income and divide by 12 to estimate your average monthly income.\"},{\"question\":\"How can I tell whether my budget has a surplus or a deficit?\",\"answer\":\"Compare Total Income and Total Expenses: if income is greater, it’s a budget surplus; if expenses are greater, it’s a budget deficit.\"}]","GreenPath Budgeting Worksheet - Create a Monthly Budget in Two Steps | PDF"]