Sample Household Budget

Print this budget template and use it get started budgeting your income and expenses. See below for more printing / downloading options.

HOUSEHOLD BUDGET
INCOME
Salary / Wages $
Rents $
Interest / Dividends $
Other Income $
Total Income $
BASIC EXPENSES
Fixed:
Mortgage Payment / Rent $
Auto Insurance $
Homeowner’s Insurance $
Health / Disability / Dental / Vision Insurance $
Debt Payments (Auto Loans) $
Debt Payments (Credit Cards) $
Debt Payments (Other) $
Debt Payments (Student Loans) $
Real Estate Taxes $
Income Taxes (Federal, State, Etc.) $
School Expenses (Lunch, Tuition, Etc.) $
Transportation / Gas (Auto) $
Child Care $
Other $
$
$
$
Total Fixed Expenses $
Variable:
Electric Bill $
Gas / Propane Bill $
Water Bill $
Groceries $
Telephone (Home) $
Cell Phone $
Cable / Satellite $
Auto Maintenance $
Clothing $
Personal Care (Hair, Etc.) $
Dry Cleaning $
Medical / Dental Expenses $
Prescriptions $
Pet Care $
Other $
$
$
$
Total Variable Expenses $
Total Expenses $
Total Income — Total Expenses = $$ Available for Optional
(Discretionary) Expenses
$ — $ = $

Since so many expenses are billed monthly, it makes sense to make a monthly budget. If you do create a monthly budget though, you can run into trouble when you’re trying to account for income and expenses that aren’t monthly. Use the guide below to help you convert your figures to monthly amounts.

Amount is: Multiply by:
Weekly 4.33
Biweekly (every 2 weeks) 2.16
Semimonthly (every 2 months) 2.00
Quarterly (every 3 months) 0.3333
Annually (Yearly) 0.0833

This household budget template is available for download as a PDF Document or Spreadsheet in Excel or OpenDocument format.

Don’t Forget to Manage Your Household Finances!

Quicken Deluxe 2012 is an easy to use, reliable software solution for managing your household finances. If you're ready to save time and money by taking better care of your home finance issues, you might want to try Quicken.

Quicken is from Intuit, the company behind Mint.com. If you prefer an online only solution to managing money and don't need the detail that desktop money management software can give you, you should try Mint. I recently revisited Mint because of the useful Mint Android app. It's the easy way to keep up with your account balances on the go. I do still use the discontinued Microsoft Money but am in the process of switching to YNAB (for budgeting), which I'll write about soon.

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