1. Money
BUDGET WORKSHEET
From Financial Planning at About.com
(http://financialplan.about.com)

CATEGORYBUDGET AMOUNTACTUAL AMOUNTDIFFERENCE
INCOME:   
Wages and Bonuses   
Interest Income   
Investment Income   
Miscellaneous Income   
Income Subtotal   
INCOME TAXES WITHHELD:   
Federal Income Tax   
State and Local Income Tax   
Social Security/Medicare Tax   
Income Taxes Subtotal    
Spendable Income   
EXPENSES:   
HOME:   
Mortgage or Rent   
Homeowners/Renters Insurance   
Property Taxes   
Home Repairs/Maintenance/HOA Dues   
Home Improvements   
UTILITIES:   
Electricity   
Water and Sewer   
Natural Gas or Oil   
Telephone (Land Line, Cell)   
FOOD:   
Groceries   
Eating Out, Lunches, Snacks   
FAMILY OBLIGATIONS:   
Child Support/Alimony   
Day Care, Babysitting   
HEALTH AND MEDICAL:   
Insurance (medical,dental,vision)   
Out-of-Pocket Medical Expenses   
Fitness (Yoga,Massage,Gym)   
TRANSPORTATION:   
Car Payments    
Gasoline/Oil   
Auto Repairs/Maintenance/Fees   
Auto Insurance   
Other (tolls, bus, subway, taxi)   
DEBT PAYMENTS:   
Credit Cards   
Student Loans   
Other Loans   
ENTERTAINMENT/RECREATION:   
Cable TV/Videos/Movies   
Computer Expense   
Hobbies   
Subscriptions and Dues   
Vacations   
PETS:   
Food   
Grooming, Boarding, Vet   
CLOTHING:   
INVESTMENTS AND SAVINGS:   
401(K)or IRA   
Stocks/Bonds/Mutual Funds   
College Fund   
Savings   
Emergency Fund   
MISCELLANEOUS:   
Toiletries, Household Products   
Gifts/Donations   
Grooming (Hair, Make-up, Other)   
Miscellaneous Expense   
Total Investments and Expenses   
Surplus/Shortage (Spendable income minus expenses & investments)   

For expenses incurred more or less often than monthly, convert the payment to a monthly amount when calculating the monthly budget. For instance, convert auto expense that's billed every six months to a monthly amount by dividing the six-month premium by six. This money should be kept separate from your other money so it's available when the bill becomes due.