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Sections guide users to total monthly income and itemize expenses across housing, food, transportation, health, personal and family, finance, and other categories. Includes specific line items such as rent or mortgage, utilities, groceries, meals out, car costs, insurance, and various fees, plus totals for monthly income and monthly expenses. 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Then, use this month’s information to help you plan next month’s budget.  \nSome bills are monthly and some come less often. If you have an expense that does not occur every month, put it in the “Other expenses this month” category.  \nMONTH  YEAR    \nMy income this month  \nIncome Monthly total  \n\n| Paychecks (salary after taxes, benefits, and check cashing fees) | $ |\n| --- | --- |\n| Other income (after taxes) for example: child support | $ |\n| Total monthly income | $ 0.00 |\n\nIncome  \nMy expenses this month  \nExpenses Monthly total  \nHOUSING  \n\n| Rent or mortgage | $ |\n| --- | --- |\n| Renter's insurance or homeowner's insurance | $ |\n| Utilities (like electricity and gas) | $ |\n| Internet, cable, and phones | $ |\n| Other housing expenses (like property taxes) | $ |\n\nFOOD  \n\n| Groceries and household supplies | $ |\n| --- | --- |\n| Meals out | $ |\n| Other food expenses | $ |\n\nTRANSPORTATION  \n\n| Public transportation and taxis | $ |\n| --- | --- |\n| Gas for car | $ |\n| Parking and tolls | $ |\n| Car maintenance (like oil changes) | $ |\n| Car insurance | $ |\n| Car loan | $ |\n| Other transportation expenses | $ |\n\nMake a Budget  \nExpenses Monthly total  \nHEALTH  \n\n| Medicine | $ |\n| --- | --- |\n| Health insurance | $ |\n| Other health expenses (like doctors' appointments and eyeglasses) | $ |\n\nPERSONAL AND FAMILY  \n\n| Child care | $ |\n| --- | --- |\n| Child support | $ |\n| Money given or sent to family | $ |\n| Clothing and shoes | $ |\n| Laundry | $ |\n| Donations | $ |\n| Entertainment (like movies and amusement parks) | $ |\n| Other personal or family expenses (like beauty care) | $ |\n\nFINANCE  \n\n| Fees for cashier's checks and money transfers | $ |\n| --- | --- |\n| Prepaid cards and phone cards | $ |\n| Bank or credit card fees | $ |\n| Other fees | $ |\n\nOTHER  \n\n| School costs (like supplies, tuition, student loans) | $ |\n| --- | --- |\n| Other payments (like credit credit cards and savings) | $ |\n| Other expenses this month | $ |\n\n\n| Total monthly expenses | $ 0.00 |\n| --- | --- |\n\nExpenses  \n$ 0.00  \n $ 0.00  \n$ 0.00  \nIncome Expenses  \nMaybe your income is more than your expenses. You have money left to save or spend.  \nMaybe your expenses are more than your income. Look at your budget to find expenses to cut.  \nPrint Form  \n[September 2012 | Federal Trade Commission | consumer.gov](September 2012 | Federal Trade Commission | consumer.gov)","cbCaifSOw8TmFAE8","https://ap.wps.com/l/cbCaifSOw8TmFAE8","pdf",431371,"English","# Income\n# Expenses This Month\n## Housing\n## Food\n## Transportation\n## Health\n## Personal and Family\n## Finance\n## Other\n# Totals and Next Steps","[{\"question\":\"How should monthly income be entered on this worksheet?\",\"answer\":\"List each income source under “My income this month,” including paychecks and other income, then fill in the total monthly income.\"},{\"question\":\"What expense categories are included in the worksheet?\",\"answer\":\"Housing, Food, Transportation, Health, Personal and Family, Finance, and Other are provided, each with example line items.\"},{\"question\":\"What should you do if your expenses are higher than your income?\",\"answer\":\"Review the budget to find expenses to cut, since you may need to reduce spending to match income.\"}]","Make a Budget | PDF",1790030335]