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Financial Literacy - Budgeting
TOOLS AND RESOURCES
Budgeting toolkit
Use these work sheets, calculators and money-saving tips to guide your financial planning.
The simple art of budgeting
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Spending plan worksheet
Spending plan
Instructions:
1.
Calculate monthly net income in box 1
2.
Estimate monthly expenses (sum of fixed (2a), controllable (2b) and monthly portion of periodic expenses (2c)
3.
Compare income and expenses and make adjustments
1. Monthly net income
Net* monthly wages
$______________
Net monthly wages of others in home
$______________
Public assistance/food stamps
$______________
Unemployment/disability
$______________
Child support/alimony
$______________
Social Security/retirement
$______________
Other
$______________
Other
$______________
Total monthly net income
$______________
* After tax withholding and other deductions
Reproduced with the permission of Michigan State University Cooperative Extension
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TABLE OF CONTENTS
GROWTH OPPORTUNITIES
ESSENTIALS
Budgeting
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Overview: Budgeting
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Take action
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Spotlight
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Poll: How Americans budget
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Money Makeover
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Tools & resources
Credit cards
Mortgages
Retirement
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Credit scoring
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Insurance
College funding
Investing
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