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Your irst budget! Its also the simplest, so you can relax now.
step 1
Write down what youre spending for the month in each of the categories listed (A). If you dont know exactly, just make your best guess. Were keeping it simple for now.
Food
Transportation
Charity
Personal
Insurance
Debt
Envelope
Housing
Medical
Recreation
Savings
Clothing
Utilities
Envelope
UTILITIES
Electricity Gas
Reality Check
Budgeted
step 2
Write the total for each category in the Total box (B) and move on to the next category. See? Easy!
b
Internet Cable
TOTAL
step 3
Add up all eight of your total boxes and enter that number at the bottom in the Category Totals box (C). This shows you how much youre spending in a month for your basic necessities, not including any kind of debt. Well get to all that later.
c
CATEGORY TOTALS
Quick-Start Budget
Taking control of your money starts here!
Food
Transportation
Charity
Personal
CHARITY
Insurance Debt
Envelope
Housing
Medical
Recreation
Savings
Tithes
Clothing
Food
FOOD
Charity Recreation
Personal
Insurance
Debt
Envelope
Budgeted
Utilities
Envelope
Housing
Medical
Groceries
Savings
Clothing
Utilities
Envelope
Reality Check
TOTAL
Charity Personal Insurance Debt Envelope Food Transportation Charity Personal Recreation Savings
Reality Check
TOTAL
Debt Envelope
ood
Transportation
Insurance
using
Medical
SAVING
Clothing Utilities Envelope
Budgeted
Housing Reality Check
CLOTHING
Medical Recreation Savings Clothing Utilities Envelope
Budgeted
y Check
Adults Children
TOTAL
Food Transportation Charity Personal Insurance Debt Envelope
TOTAL TRANSPORTATION
Food Transportation Charity Personal Insurance Debt Envelope Housing Medical Recreation
HOUSING
Housing Medical Recreation Savings Clothing Utilities Envelope Reality Check
Budgeted
Budgeted
First Mortgage/Rent Second Mortgage Real Estate Taxes Repairs/Maint. Homeowner/Renter Ins.
Car Payment
Savings Clothing Utilities
Envelope
Reality Check
Car Payment Gas & Oil Repairs & Tires Auto Insurance
TOTAL
Personal Insurance Debt Envelope
TOTAL PERSONAL
Food Transportation Charity Personal Insurance Debt Envelope Medical Recreation Savings
UTILITIES
Savings Clothing Utilities Envelope
on
Budgeted
Budgeted
Housing
Life Insurance
Clothing Utilities Envelope
Reality Check
Health Insurance Disability Insurance Child Care/Sitter Entertainment Other _________________ Other _________________
TOTAL
Add up totals from all categories
TOTAL
CATEGORY TOTALS
Sign in to FPU Central at daveramsey.com to download this form and explore our other online budgeting tools!
step 1
Enter your monthly take-home pay in the box at the top right (A). This is the amount you have for the month to budget. So far so good, huh?
A
Monthly Take-Home Pay
step 2
Within each main category, such as Food, there are subcategories, like Groceries. Start at the top and work your way down, filling out the Budgeted column (B) first. Add up each subcategory and put that number in the Total box (C). Also, pay attention to Daves recommended percentages (D). This will help you keep from budgeting too much for a category.
Food
Transportation
food
Charity Recreation
Personal
Insurance
Debt
Envelope
Spent
Budgeted
b
Housing
Medical
Groceries
Savings
Clothing
Utilities
Envelope
c d
Reality Check
Restaurants
step 3
Finally, enter your take-home pay in the top box at the end of the page (E), then add up all categories and place that total in the Category Totals box (F). Then subtract your Category Totals amount from your Take-Home Pay. You should have a zero balance (G). Doesnt that feel great?
e f G
step 4
When the month ends, put what you actually spent in the Spent column (H). That will help you make any necessary adjustments to the next months budget.
Food
Transportation
food
Charity Recreation
Personal
Insurance
Debt
Envelope
Spent
Budgeted
h
Housing Reality Check
Medical
Groceries
Savings
Clothing
Utilities
Envelope
Restaurants
Food
Transportation
Charity
Personal
CHARITY
Insurance Debt Envelope
Housing
Medical
Recreation
Savings
Tithes
Clothing
FOOD
Charity Recreation
Personal
Insurance
Debt
Envelope
Spent
Budgeted
opes
Utilities
Envelope
Housing
Medical
Groceries
Savings
Clothing
Utilities
Envelope
Reality Check
Reality Check
Restaurants
*515%
TOTAL
Food Transportation Charity Personal Insurance Debt Envelope
TOTAL
Budgeted
Transportation
Charity
Personal
Insurance
Debt
Envelope
SAVING
Medical Recreation Savings Clothing Utilities Envelope
ng
Spent
Budgeted
Housing Reality Check
CLOTHING
Medical Recreation Savings Clothing Utilities Envelope
Spent
Check
TOTAL
Budgeted
Food Transportation
*27%
TOTAL
Budgeted
HOUSING
Housing Medical Recreation Savings Clothing Utilities Envelope Reality Check
Spent
TRANSPORTATION
Charity Personal Insurance Debt Envelope Recreation
Spent
First Mortgage/Rent Second Mortgage Real Estate Taxes Repairs/Maint. Association Dues
*2535%
Housing
Medical
Clothing
Utilities
Envelope
Reality Check
Repairs & Tires License & Taxes Car Replacement Other _________________
TOTAL
Food Transportation Charity Personal Insurance Debt Envelope
*1015%
TOTAL
Budgeted
ty
Personal
Insurance
Debt
Envelope
UTILITIES
Savings Clothing Utilities Envelope
ion
Spent
Budgeted
MEDICAL/HEALTH
Housing Medical Recreation Savings Clothing Utilities Envelope Reality Check
Spent
Medications Doctor Bills Dentist Optometrist Vitamins Other _________________ Other _________________
TOTAL
*510%
TOTAL
Sign in to FPU Central at daveramsey.com to download this form and explore our other online budgeting tools!
Food
Transportation
Charity
Personal
Insurance
Debt
Envelope
Food
Transportation
Charity
Personal
Insurance
INSURANCE
Debt Envelope Utilities
Spent
Budgeted
RECREATION
Housing Medical Recreation Savings Clothing Utilities Envelope Reality Check
Spent
Budgeted
Housing
Medical
Recreation
Savings
Clothing
Life Insurance
Envelope
Entertainment Vacation
*510%
ality Check
Health Insurance Homeowner/Renter Auto Insurance Disability Insurance Identity Theft Long-Term Care
*1025%
Food Transportation Charity Personal
TOTAL
Budgeted
DEBTS
Car Payment 1
Insurance Debt Envelope
Spent
Car Payment 2
Housing
TOTAL
Medical
Recreation
Savings
Clothing
Food
Transportation
Charity
Personal
Insurance
PERSONAL
Debt Envelope
Budgeted
Credit Card 3 _______ Credit Card 4 _______ Credit Card 5 _______ Student Loan 1 Student Loan 2 Student Loan 3 Student Loan 4 Other _________________ Other _________________ Other _________________ Other _________________ Other _________________
Housing
Medical
Recreation
Savings
Clothing
Child Care/Sitter
Utilities Envelope
Reality Check
Toiletries Cosmetics/Hair Care Education/Tuition Books/Supplies Child Support Alimony Subscriptions Organization Dues Gifts (inc. Christmas) Replace Furniture Pocket Money (His) Pocket Money (Hers) Baby Supplies Pet Supplies Music/Technology Miscellaneous Other _________________ Other _________________
*510%
Once you have completed illing out each category, subtract all category totals from your take-home pay.
Your goal is O%
*510%
TOTAL
TOTAL
Sign in to FPU Central at daveramsey.com to download this form and explore our other online budgeting tools!
Remember The goal of a zero- based budget is to get this number to zero
Some peoples paychecks all look the same, and some peoples dont.
If youre self-employed or in sales, you really understand this! But youre not free from lling out budgets. As a matter of fact, this form is vital for just that reason! It can be easy for debts and expenses to overtake what youre bringing in. Stay on top of your money here.
step 1
Fill in the Monthly Cash Flow Plan form based on what you reasonably expect to bring home for the month. If you arent sure, use last years lowest income month as your starting point.
step 2
List anything that didnt make it in your Monthly Cash Flow Plan in the Items column (a). These are the things that you couldnt budget for but need to be funded.
A
step 3
Rewrite your expenses in priority order and keep a running total. Setting good priorities is crucial here. For instance, a beach trip is not more important than putting food on the table!
460 1,000 50
step 4
When you get paid, write any additional income in the box (b). Additional means anything above and beyond what you budgeted on the Monthly Cash Flow Plan form.
1,500
b
step 5
Spend your money right down the list until its all gone. You most likely wont make it all the way down the list. Thats okay! Thats why its important to prioritize.
460 1,000 50 40
List, in priority order, anything that didnt make it in your monthly cash flow plan
ITEMS
BUDGETED
Work back & forth, adding each budgeted item to the running
= +
RUNNING TOTAL
total
Sign in to FPU Central at daveramsey.com to download this form and explore our other online budgeting tools!