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The form prompts users to list all monthly income sources and categorize major expense areas such as housing, utilities, transportation, food, health, loans, childcare, entertainment, and insurance. 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Use this fillable worksheet to see how much you spend each month. It’s important that you include all your expenses and income.  \n\n| Income | Monthly Total |\n| --- | --- |\n| Paychecks (salary after taxes & benefits) |  |\n| Other Income |  |\n| Other income |  |\n| Total Monthly Income | 0.00 |\n\n| Expenses | Monthly Total |\n| --- | --- |\n| Savings |  |\n| Emergency fund |  |\n| Retirement / Investments |  |\n| Housing / living expenses |  |\n| Mortgage or rent |  |\n| Home or renter’s insurance |  |\n| Utilities (electric, water, oil & gas) |  |\n| Phone, cell & security system |  |\n| Trash removal service |  |\n| Maintenance |  |\n| Other |  |\n| Food expenses |  |\n| Groceries and household supplies |  |\n| Dining out |  |\n| School / work lunches |  |\n| Other |  |\n| Transportation expenses |  |\n| Car payment / public transportation |  |\n| Gas |  |\n| Parking & tolls |  |\n| Car maintenance (oil change & repairs) |  |\n| Car insurance |  |\n| Other (license / taxes) |  |\n\n\n| Personal / family / school expenses | Monthly Total |\n| --- | --- |\n| Child care / babysitting |  |\n| Child support / alimony |  |\n| Money sent to family members |  |\n| Clothing and shoes |  |\n| Toiletries |  |\n| Hair cuts / manicures |  |\n| Gifts |  |\n| Pets |  |\n| Laundry / dry cleaning |  |\n| School loans / school tuition / fees |  |\n| Charitable donations |  |\n| Other |  |\n| Health expenses |  |\n| Medication (OTC and prescription) |  |\n| Health insurance |  |\n| Doctor’s visits |  |\n| Life insurance |  |\n| Other |  |\n| Other loans / credit |  |\n| Credit cards |  |\n| Personal loans |  |\n| Other debts |  |\n| Entertainment expenses |  |\n| Cable / internet |  |\n| Movies / concerts |  |\n| Sports fees |  |\n| Vacation |  |\n| Alcohol / tobacco / lottery |  |\n| Total Monthly Expenses | 0.00 |\n\n$0.00  -  $ 0.00   \nMonthly Income Monthly Expenses  \n=  $ 0   \nDisposable Income or (Deficit)  \nIf your income is greater than your expenses, you have money left to save or spend. If your expenses are more than your income, look at your budget to find expenses you can reduce. Contact us if we can help!  \n(804) 323-6800  \n(800) 285-6609  \n[vacu.org](vacu.org)  \nVisit a branch  \n Mobile","cbCaitdKv7BflgfQ","https://ap.wps.com/l/cbCaitdKv7BflgfQ","pdf",209049,"English","# Income\n## Expenses\n# Disposable Income or Deficit","[{\"question\":\"What information should be entered in the Monthly Budget Worksheet?\",\"answer\":\"Enter all sources of monthly income and all monthly expenses, including savings, housing, utilities, transportation, food, health, loans/credit, and other categorized costs.\"},{\"question\":\"How does the worksheet determine disposable income?\",\"answer\":\"It compares total monthly income with total monthly expenses and shows disposable income when income is greater, or a deficit when expenses are higher.\"},{\"question\":\"What should you do if expenses are more than income?\",\"answer\":\"Review the budget to find expense items that can be reduced so the totals move toward a positive disposable income.\"}]","Monthly Budget Worksheet - Personal Finance Budgeting | PDF",1789204106]