Welcome!

INSTRUCTIONS FOR USING THIS PLANNER:

Step 1: At the beginning of each month fill out all of the "Expected" incomes and expenses.
To use this free template you'll need to create a copy of the document. Step 2: As you progress through the month, fill out the "Actual" cells as income or expenses are received.
Dont' worry, it's easy. Step 3: Income category numbers will turn GREEN when actual income is higher than expected.
Step 4: Income category numbers will turn RED when actual income is less than expected.
Just head to "FILE" in the menu bar above and select "Make A Copy" Step 5: Expense category numbers will turn GREEN when actual expenses are less than expected.
Once you've done that, just click on the "YTD Summary" (or any of the individual month tabs) inside your new copy to access the template. Step 6: Expense category numbers will turn RED when actual expenses are more than expected.
Done! Step 7: The "Variance" Column will show you the differnce between what was expected and what actually happened for each item.
Step 8: The "YTD Summary" tab will automatically populate aggregated totals for all items as you complete individual months.
Step 9: You should only enter data on the individual monthly tabs - Not the main dashboard.
Step 10: Feel free to customize the names of expense categories or subitems to fit your situation. The planner will still work
as long as the cells with formulas are not altered.
 Year-To-Date Monthly Budget Summary Dashboard

YTD – INCOME YTD – SAVINGS / INVESTMENTS

Expected Actual Variance Expected Actual Variance
SALARY (PRIMARY EMPLOYMENT) $0.00 $0.00 $0.00 EMERGENCY FUND $0.00 $0.00 $0.00
ALTERNATE INCOME SOURCE #1 $0.00 $0.00 $0.00 RETIREMENT (401K, IRA, ETC.) $0.00 $0.00 $0.00
ALTERNATE INCOME SOURCE #2 $0.00 $0.00 $0.00 OTHER INVESTMENTS $0.00 $0.00 $0.00
TOTALS $0.00 $0.00 $0.00 TOTALS $0.00 $0.00 $0.00

YTD – EXPENSES YTD – NET INCOME (INCOME-EXPENSE)

Expected Actual Variance Actual
HOUSING $0.00 $0.00 $0.00 TOTAL INCOME (ALL SOURCES) $0.00
EDUCATION / CHILD CARE $0.00 $0.00 $0.00 TOTAL EXPENSE (ALL SOURCES) $0.00
UTILITIES $0.00 $0.00 $0.00 TOTALS $0.00
TRANSPORTATION $0.00 $0.00 $0.00
FOOD $0.00 $0.00 $0.00
HEALTH AND WELLNESS $0.00 $0.00 $500.00
ENTERTAINMENT $0.00 $0.00 $0.00
LOANS / DEBT $0.00 $0.00 $0.00
TOTALS $0.00 $0.00 $0.00

YTD – EXPENSES ITEMIZED BREAKDOWN

HOUSING EDUCATION / CHILDCARE

Expected Actual Variance Expected Actual Variance
Mortgage / Rent $0.00 $0.00 $0.00 Tuition $0.00 $0.00 $0.00
Repairs / Maintenance $0.00 $0.00 $0.00 Before / After School Care $0.00 $0.00 $0.00
Lawn Care $0.00 $0.00 $0.00 Tutoring $0.00 $0.00 $0.00
Taxes / Insurance $0.00 $0.00 $0.00 School Lunches $0.00 $0.00 $0.00
Alarm System $0.00 $0.00 $0.00 Babysitter $0.00 $0.00 $0.00
Optional #1 $0.00 $0.00 $0.00 Optional #1 $0.00 $0.00 $0.00
Optional #2 $0.00 $0.00 $0.00 Optional #2 $0.00 $0.00 $0.00
Optional #3 $0.00 $0.00 $0.00 Optional #3 $0.00 $0.00 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

UTILITIES TRANSPORTATION
Expected Actual Variance Expected Actual Variance
Water $0.00 $0.00 $0.00 Fuel $0.00 $0.00 $0.00
Electic $0.00 $0.00 $0.00 Parking Fees $0.00 $0.00 $0.00
Gas $0.00 $0.00 $0.00 Routine Maintenance $0.00 $0.00 $0.00
Trash $0.00 $0.00 $0.00 Insurance $0.00 $0.00 $0.00
Internet $0.00 $0.00 $0.00 Toll Payments $0.00 $0.00 $0.00
Cable $0.00 $0.00 $0.00 Public Transportation (Subway, Bus, etc.) $0.00 $0.00 $0.00
Optional #1 $0.00 $0.00 $0.00 Optional #1 $0.00 $0.00 $0.00
Optional #2 $0.00 $0.00 $0.00 Optional #2 $0.00 $0.00 $0.00
Optional #3 $0.00 $0.00 $0.00 Optional #3 $0.00 $0.00 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

FOOD HEALTH AND WELLNESS

Expected Actual Variance Expected Actual Variance
Groceries $0.00 $0.00 $0.00 Health Insurance $0.00 $0.00 $0.00
Dining Out $0.00 $0.00 $0.00 Gym Memberships $0.00 $0.00 $0.00
Food Delivery Services $0.00 $0.00 $0.00 Vitamins and Supplements $0.00 $0.00 $0.00
Coffee / Convenience Stores $0.00 $0.00 $0.00 Exercise Equipment $0.00 $0.00 $0.00
Fast Food $0.00 $0.00 $0.00 Clothing $0.00 $0.00 $0.00
Pet Food $0.00 $0.00 $0.00 Haircuts / Cosmetics $0.00 $0.00 $0.00
Optional #1 $0.00 $0.00 $0.00 Optional #1 $0.00 $0.00 $0.00
Optional #2 $0.00 $0.00 $0.00 Optional #2 $0.00 $0.00 $0.00
Optional #3 $0.00 $0.00 $0.00 Optional #3 $0.00 $0.00 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

ENTERTAINMENT LOANS / DEBT

Expected Actual Variance Expected Actual Variance
Books $0.00 $0.00 $0.00 Car Payment #1 $0.00 $0.00 $0.00
Movies $0.00 $0.00 $0.00 Car Payment #2 $0.00 $0.00 $0.00
New Technology $0.00 $0.00 $0.00 Credit Card #1 $0.00 $0.00 $0.00
Video Games $0.00 $0.00 $0.00 Credit Card #2 $0.00 $0.00 $0.00
Streaming Services $0.00 $0.00 $0.00 Student Loans $0.00 $0.00 $0.00
Travel / Vacations $0.00 $0.00 $0.00 Miscellaneous Debt $0.00 $0.00 $0.00
Optional #1 $0.00 $0.00 $0.00 Optional #1 $0.00 $0.00 $0.00
Optional #2 $0.00 $0.00 $0.00 Optional #2 $0.00 $0.00 $0.00
Optional #3 $0.00 $0.00 $0.00 Optional #3 $0.00 $0.00 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00
 JANUARY

INCOME SAVINGS / INVESTMENTS

Expected Actual Variance Expected Actual Variance
SALARY (PRIMARY EMPLOYMENT) $0.00 EMERGENCY FUND $0.00
ALTERNATE INCOME SOURCE #1 $0.00 RETIREMENT (401K, IRA, ETC.) $0.00
ALTERNATE INCOME SOURCE #2 $0.00 OTHER INVESTMENTS $0.00
TOTALS $0.00 $0.00 $0.00 TOTALS $0.00 $0.00 $0.00

EXPENSES

HOUSING EDUCATION / CHILDCARE

Expected Actual Variance Expected Actual Variance
Mortgage / Rent $0.00 Tuition $0.00
Repairs / Maintenance $0.00 Before / After School Care $0.00
Lawn Care $0.00 Tutoring $0.00
Taxes / Insurance $0.00 School Lunches $0.00
Alarm System $0.00 Babysitter $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

UTILITIES TRANSPORTATION
Expected Actual Variance Expected Actual Variance
Water $0.00 Fuel $0.00
Electic $0.00 Parking Fees $0.00
Gas $0.00 Routine Maintenance $0.00
Trash $0.00 Insurance $0.00
Internet $0.00 Toll Payments $0.00
Cable $0.00 Public Transportation (Subway, Bus, etc.) $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

FOOD HEALTH AND WELLNESS

Expected Actual Variance Expected Actual Variance
Groceries $0.00 Health Insurance $0.00
Dining Out $0.00 Gym Memberships $0.00
Food Delivery Services $0.00 Vitamins and Supplements $0.00
Coffee / Convenience Stores $0.00 Exercise Equipment $0.00
Fast Food $0.00 Clothing $0.00
Pet Food $0.00 Haircuts / Cosmetics $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

ENTERTAINMENT LOANS / DEBT

Expected Actual Variance Expected Actual Variance
Books $0.00 Car Payment #1 $0.00
Movies $0.00 Car Payment #2 $0.00
New Technology $0.00 Credit Card #1 $0.00
Video Games $0.00 Credit Card #2 $0.00
Streaming Services $0.00 Student Loans $0.00
Travel / Vacations $0.00 Miscellaneous Debt $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00
 FEBRUARY

INCOME SAVINGS / INVESTMENTS

Expected Actual Variance Expected Actual Variance
SALARY (PRIMARY EMPLOYMENT) $0.00 EMERGENCY FUND $0.00
ALTERNATE INCOME SOURCE #1 $0.00 RETIREMENT (401K, IRA, ETC.) $0.00
ALTERNATE INCOME SOURCE #2 $0.00 OTHER INVESTMENTS $0.00
TOTALS $0.00 $0.00 $0.00 TOTALS $0.00 $0.00 $0.00

EXPENSES

HOUSING EDUCATION / CHILDCARE

Expected Actual Variance Expected Actual Variance
Mortgage / Rent $0.00 Tuition $0.00
Repairs / Maintenance $0.00 Before / After School Care $0.00
Lawn Care $0.00 Tutoring $0.00
Taxes / Insurance $0.00 School Lunches $0.00
Alarm System $0.00 Babysitter $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

UTILITIES TRANSPORTATION
Expected Actual Variance Expected Actual Variance
Water $0.00 Fuel $0.00
Electic $0.00 Parking Fees $0.00
Gas $0.00 Routine Maintenance $0.00
Trash $0.00 Insurance $0.00
Internet $0.00 Toll Payments $0.00
Cable $0.00 Public Transportation (Subway, Bus, etc.) $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

FOOD HEALTH AND WELLNESS

Expected Actual Variance Expected Actual Variance
Groceries $0.00 Health Insurance $0.00
Dining Out $0.00 Gym Memberships $0.00
Food Delivery Services $0.00 Vitamins and Supplements $0.00
Coffee / Convenience Stores $0.00 Exercise Equipment $0.00
Fast Food $0.00 Clothing $0.00
Pet Food $0.00 Haircuts / Cosmetics $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

ENTERTAINMENT LOANS / DEBT

Expected Actual Variance Expected Actual Variance
Books $0.00 Car Payment #1 $0.00
Movies $0.00 Car Payment #2 $0.00
New Technology $0.00 Credit Card #1 $0.00
Video Games $0.00 Credit Card #2 $0.00
Streaming Services $0.00 Student Loans $0.00
Travel / Vacations $0.00 Miscellaneous Debt $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00
 MARCH

INCOME SAVINGS / INVESTMENTS

Expected Actual Variance Expected Actual Variance
SALARY (PRIMARY EMPLOYMENT) $0.00 EMERGENCY FUND $0.00
ALTERNATE INCOME SOURCE #1 $0.00 RETIREMENT (401K, IRA, ETC.) $0.00
ALTERNATE INCOME SOURCE #2 $0.00 OTHER INVESTMENTS $0.00
TOTALS $0.00 $0.00 $0.00 TOTALS $0.00 $0.00 $0.00

EXPENSES

HOUSING EDUCATION / CHILDCARE

Expected Actual Variance Expected Actual Variance
Mortgage / Rent $0.00 Tuition $0.00
Repairs / Maintenance $0.00 Before / After School Care $0.00
Lawn Care $0.00 Tutoring $0.00
Taxes / Insurance $0.00 School Lunches $0.00
Alarm System $0.00 Babysitter $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

UTILITIES TRANSPORTATION
Expected Actual Variance Expected Actual Variance
Water $0.00 Fuel $0.00
Electic $0.00 Parking Fees $0.00
Gas $0.00 Routine Maintenance $0.00
Trash $0.00 Insurance $0.00
Internet $0.00 Toll Payments $0.00
Cable $0.00 Public Transportation (Subway, Bus, etc.) $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

FOOD HEALTH AND WELLNESS

Expected Actual Variance Expected Actual Variance
Groceries $0.00 Health Insurance $0.00
Dining Out $0.00 Gym Memberships $0.00
Food Delivery Services $0.00 Vitamins and Supplements $0.00
Coffee / Convenience Stores $0.00 Exercise Equipment $0.00
Fast Food $0.00 Clothing $0.00
Pet Food $0.00 Haircuts / Cosmetics $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

ENTERTAINMENT LOANS / DEBT

Expected Actual Variance Expected Actual Variance
Books $0.00 Car Payment #1 $0.00
Movies $0.00 Car Payment #2 $0.00
New Technology $0.00 Credit Card #1 $0.00
Video Games $0.00 Credit Card #2 $0.00
Streaming Services $0.00 Student Loans $0.00
Travel / Vacations $0.00 Miscellaneous Debt $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00
 APRIL

INCOME SAVINGS / INVESTMENTS

Expected Actual Variance Expected Actual Variance
SALARY (PRIMARY EMPLOYMENT) $0.00 EMERGENCY FUND $0.00
ALTERNATE INCOME SOURCE #1 $0.00 RETIREMENT (401K, IRA, ETC.) $0.00
ALTERNATE INCOME SOURCE #2 $0.00 OTHER INVESTMENTS $0.00
TOTALS $0.00 $0.00 $0.00 TOTALS $0.00 $0.00 $0.00

EXPENSES

HOUSING EDUCATION / CHILDCARE

Expected Actual Variance Expected Actual Variance
Mortgage / Rent $0.00 Tuition $0.00
Repairs / Maintenance $0.00 Before / After School Care $0.00
Lawn Care $0.00 Tutoring $0.00
Taxes / Insurance $0.00 School Lunches $0.00
Alarm System $0.00 Babysitter $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

UTILITIES TRANSPORTATION
Expected Actual Variance Expected Actual Variance
Water $0.00 Fuel $0.00
Electic $0.00 Parking Fees $0.00
Gas $0.00 Routine Maintenance $0.00
Trash $0.00 Insurance $0.00
Internet $0.00 Toll Payments $0.00
Cable $0.00 Public Transportation (Subway, Bus, etc.) $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

FOOD HEALTH AND WELLNESS

Expected Actual Variance Expected Actual Variance
Groceries $0.00 Health Insurance $0.00
Dining Out $0.00 Gym Memberships $0.00
Food Delivery Services $0.00 Vitamins and Supplements $0.00
Coffee / Convenience Stores $0.00 Exercise Equipment $0.00
Fast Food $0.00 Clothing $0.00
Pet Food $0.00 Haircuts / Cosmetics $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

ENTERTAINMENT LOANS / DEBT

Expected Actual Variance Expected Actual Variance
Books $0.00 Car Payment #1 $0.00
Movies $0.00 Car Payment #2 $0.00
New Technology $0.00 Credit Card #1 $0.00
Video Games $0.00 Credit Card #2 $0.00
Streaming Services $0.00 Student Loans $0.00
Travel / Vacations $0.00 Miscellaneous Debt $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00
 MAY

INCOME SAVINGS / INVESTMENTS

Expected Actual Variance Expected Actual Variance
SALARY (PRIMARY EMPLOYMENT) $0.00 EMERGENCY FUND $0.00
ALTERNATE INCOME SOURCE #1 $0.00 RETIREMENT (401K, IRA, ETC.) $0.00
ALTERNATE INCOME SOURCE #2 $0.00 OTHER INVESTMENTS $0.00
TOTALS $0.00 $0.00 $0.00 TOTALS $0.00 $0.00 $0.00

EXPENSES

HOUSING EDUCATION / CHILDCARE

Expected Actual Variance Expected Actual Variance
Mortgage / Rent $0.00 Tuition $0.00
Repairs / Maintenance $0.00 Before / After School Care $0.00
Lawn Care $0.00 Tutoring $0.00
Taxes / Insurance $0.00 School Lunches $0.00
Alarm System $0.00 Babysitter $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

UTILITIES TRANSPORTATION
Expected Actual Variance Expected Actual Variance
Water $0.00 Fuel $0.00
Electic $0.00 Parking Fees $0.00
Gas $0.00 Routine Maintenance $0.00
Trash $0.00 Insurance $0.00
Internet $0.00 Toll Payments $0.00
Cable $0.00 Public Transportation (Subway, Bus, etc.) $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

FOOD HEALTH AND WELLNESS

Expected Actual Variance Expected Actual Variance
Groceries $0.00 Health Insurance $0.00
Dining Out $0.00 Gym Memberships $0.00
Food Delivery Services $0.00 Vitamins and Supplements $0.00
Coffee / Convenience Stores $0.00 Exercise Equipment $0.00
Fast Food $0.00 Clothing $0.00
Pet Food $0.00 Haircuts / Cosmetics $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

ENTERTAINMENT LOANS / DEBT

Expected Actual Variance Expected Actual Variance
Books $0.00 Car Payment #1 $0.00
Movies $0.00 Car Payment #2 $0.00
New Technology $0.00 Credit Card #1 $0.00
Video Games $0.00 Credit Card #2 $0.00
Streaming Services $0.00 Student Loans $0.00
Travel / Vacations $0.00 Miscellaneous Debt $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00
 JUNE

INCOME SAVINGS / INVESTMENTS

Expected Actual Variance Expected Actual Variance
SALARY (PRIMARY EMPLOYMENT) $0.00 EMERGENCY FUND $0.00
ALTERNATE INCOME SOURCE #1 $0.00 RETIREMENT (401K, IRA, ETC.) $0.00
ALTERNATE INCOME SOURCE #2 $0.00 OTHER INVESTMENTS $0.00
TOTALS $0.00 $0.00 $0.00 TOTALS $0.00 $0.00 $0.00

EXPENSES

HOUSING EDUCATION / CHILDCARE

Expected Actual Variance Expected Actual Variance
Mortgage / Rent $0.00 Tuition $0.00
Repairs / Maintenance $0.00 Before / After School Care $0.00
Lawn Care $0.00 Tutoring $0.00
Taxes / Insurance $0.00 School Lunches $0.00
Alarm System $0.00 Babysitter $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

UTILITIES TRANSPORTATION
Expected Actual Variance Expected Actual Variance
Water $0.00 Fuel $0.00
Electic $0.00 Parking Fees $0.00
Gas $0.00 Routine Maintenance $0.00
Trash $0.00 Insurance $0.00
Internet $0.00 Toll Payments $0.00
Cable $0.00 Public Transportation (Subway, Bus, etc.) $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

FOOD HEALTH AND WELLNESS

Expected Actual Variance Expected Actual Variance
Groceries $0.00 Health Insurance $0.00
Dining Out $0.00 Gym Memberships $0.00
Food Delivery Services $0.00 Vitamins and Supplements $0.00
Coffee / Convenience Stores $0.00 Exercise Equipment $0.00
Fast Food $0.00 Clothing $0.00
Pet Food $0.00 Haircuts / Cosmetics $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

ENTERTAINMENT LOANS / DEBT

Expected Actual Variance Expected Actual Variance
Books $0.00 Car Payment #1 $0.00
Movies $0.00 Car Payment #2 $0.00
New Technology $0.00 Credit Card #1 $0.00
Video Games $0.00 Credit Card #2 $0.00
Streaming Services $0.00 Student Loans $0.00
Travel / Vacations $0.00 Miscellaneous Debt $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00
 JULY

INCOME SAVINGS / INVESTMENTS

Expected Actual Variance Expected Actual Variance
SALARY (PRIMARY EMPLOYMENT) $0.00 EMERGENCY FUND $0.00
ALTERNATE INCOME SOURCE #1 $0.00 RETIREMENT (401K, IRA, ETC.) $0.00
ALTERNATE INCOME SOURCE #2 $0.00 OTHER INVESTMENTS $0.00
TOTALS $0.00 $0.00 $0.00 TOTALS $0.00 $0.00 $0.00

EXPENSES

HOUSING EDUCATION / CHILDCARE

Expected Actual Variance Expected Actual Variance
Mortgage / Rent $0.00 Tuition $0.00
Repairs / Maintenance $0.00 Before / After School Care $0.00
Lawn Care $0.00 Tutoring $0.00
Taxes / Insurance $0.00 School Lunches $0.00
Alarm System $0.00 Babysitter $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

UTILITIES TRANSPORTATION
Expected Actual Variance Expected Actual Variance
Water $0.00 Fuel $0.00
Electic $0.00 Parking Fees $0.00
Gas $0.00 Routine Maintenance $0.00
Trash $0.00 Insurance $0.00
Internet $0.00 Toll Payments $0.00
Cable $0.00 Public Transportation (Subway, Bus, etc.) $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

FOOD HEALTH AND WELLNESS

Expected Actual Variance Expected Actual Variance
Groceries $0.00 Health Insurance $0.00
Dining Out $0.00 Gym Memberships $0.00
Food Delivery Services $0.00 Vitamins and Supplements $0.00
Coffee / Convenience Stores $0.00 Exercise Equipment $0.00
Fast Food $0.00 Clothing $0.00
Pet Food $0.00 Haircuts / Cosmetics $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

ENTERTAINMENT LOANS / DEBT

Expected Actual Variance Expected Actual Variance
Books $0.00 Car Payment #1 $0.00
Movies $0.00 Car Payment #2 $0.00
New Technology $0.00 Credit Card #1 $0.00
Video Games $0.00 Credit Card #2 $0.00
Streaming Services $0.00 Student Loans $0.00
Travel / Vacations $0.00 Miscellaneous Debt $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00
 AUGUST

INCOME SAVINGS / INVESTMENTS

Expected Actual Variance Expected Actual Variance
SALARY (PRIMARY EMPLOYMENT) $0.00 EMERGENCY FUND $0.00
ALTERNATE INCOME SOURCE #1 $0.00 RETIREMENT (401K, IRA, ETC.) $0.00
ALTERNATE INCOME SOURCE #2 $0.00 OTHER INVESTMENTS $0.00
TOTALS $0.00 $0.00 $0.00 TOTALS $0.00 $0.00 $0.00

EXPENSES

HOUSING EDUCATION / CHILDCARE

Expected Actual Variance Expected Actual Variance
Mortgage / Rent $0.00 Tuition $0.00
Repairs / Maintenance $0.00 Before / After School Care $0.00
Lawn Care $0.00 Tutoring $0.00
Taxes / Insurance $0.00 School Lunches $0.00
Alarm System $0.00 Babysitter $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

UTILITIES TRANSPORTATION
Expected Actual Variance Expected Actual Variance
Water $0.00 Fuel $0.00
Electic $0.00 Parking Fees $0.00
Gas $0.00 Routine Maintenance $0.00
Trash $0.00 Insurance $0.00
Internet $0.00 Toll Payments $0.00
Cable $0.00 Public Transportation (Subway, Bus, etc.) $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

FOOD HEALTH AND WELLNESS

Expected Actual Variance Expected Actual Variance
Groceries $0.00 Health Insurance $0.00
Dining Out $0.00 Gym Memberships $0.00
Food Delivery Services $0.00 Vitamins and Supplements $0.00
Coffee / Convenience Stores $0.00 Exercise Equipment $0.00
Fast Food $0.00 Clothing $0.00
Pet Food $0.00 Haircuts / Cosmetics $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

ENTERTAINMENT LOANS / DEBT

Expected Actual Variance Expected Actual Variance
Books $0.00 Car Payment #1 $0.00
Movies $0.00 Car Payment #2 $0.00
New Technology $0.00 Credit Card #1 $0.00
Video Games $0.00 Credit Card #2 $0.00
Streaming Services $0.00 Student Loans $0.00
Travel / Vacations $0.00 Miscellaneous Debt $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00
 SEPTEMBER

INCOME SAVINGS / INVESTMENTS

Expected Actual Variance Expected Actual Variance
SALARY (PRIMARY EMPLOYMENT) $0.00 EMERGENCY FUND $0.00
ALTERNATE INCOME SOURCE #1 $0.00 RETIREMENT (401K, IRA, ETC.) $0.00
ALTERNATE INCOME SOURCE #2 $0.00 OTHER INVESTMENTS $0.00
TOTALS $0.00 $0.00 $0.00 TOTALS $0.00 $0.00 $0.00

EXPENSES

HOUSING EDUCATION / CHILDCARE

Expected Actual Variance Expected Actual Variance
Mortgage / Rent $0.00 Tuition $0.00
Repairs / Maintenance $0.00 Before / After School Care $0.00
Lawn Care $0.00 Tutoring $0.00
Taxes / Insurance $0.00 School Lunches $0.00
Alarm System $0.00 Babysitter $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

UTILITIES TRANSPORTATION
Expected Actual Variance Expected Actual Variance
Water $0.00 Fuel $0.00
Electic $0.00 Parking Fees $0.00
Gas $0.00 Routine Maintenance $0.00
Trash $0.00 Insurance $0.00
Internet $0.00 Toll Payments $0.00
Cable $0.00 Public Transportation (Subway, Bus, etc.) $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

FOOD HEALTH AND WELLNESS

Expected Actual Variance Expected Actual Variance
Groceries $0.00 Health Insurance $0.00
Dining Out $0.00 Gym Memberships $0.00
Food Delivery Services $0.00 Vitamins and Supplements $0.00
Coffee / Convenience Stores $0.00 Exercise Equipment $0.00
Fast Food $0.00 Clothing $0.00
Pet Food $0.00 Haircuts / Cosmetics $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

ENTERTAINMENT LOANS / DEBT

Expected Actual Variance Expected Actual Variance
Books $0.00 Car Payment #1 $0.00
Movies $0.00 Car Payment #2 $0.00
New Technology $0.00 Credit Card #1 $0.00
Video Games $0.00 Credit Card #2 $0.00
Streaming Services $0.00 Student Loans $0.00
Travel / Vacations $0.00 Miscellaneous Debt $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00
 OCTOBER

INCOME SAVINGS / INVESTMENTS

Expected Actual Variance Expected Actual Variance
SALARY (PRIMARY EMPLOYMENT) $0.00 EMERGENCY FUND $0.00
ALTERNATE INCOME SOURCE #1 $0.00 RETIREMENT (401K, IRA, ETC.) $0.00
ALTERNATE INCOME SOURCE #2 $0.00 OTHER INVESTMENTS $0.00
TOTALS $0.00 $0.00 $0.00 TOTALS $0.00 $0.00 $0.00

EXPENSES

HOUSING EDUCATION / CHILDCARE

Expected Actual Variance Expected Actual Variance
Mortgage / Rent $0.00 Tuition $0.00
Repairs / Maintenance $0.00 Before / After School Care $0.00
Lawn Care $0.00 Tutoring $0.00
Taxes / Insurance $0.00 School Lunches $0.00
Alarm System $0.00 Babysitter $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

UTILITIES TRANSPORTATION
Expected Actual Variance Expected Actual Variance
Water $0.00 Fuel $0.00
Electic $0.00 Parking Fees $0.00
Gas $0.00 Routine Maintenance $0.00
Trash $0.00 Insurance $0.00
Internet $0.00 Toll Payments $0.00
Cable $0.00 Public Transportation (Subway, Bus, etc.) $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

FOOD HEALTH AND WELLNESS

Expected Actual Variance Expected Actual Variance
Groceries $0.00 Health Insurance $0.00
Dining Out $0.00 Gym Memberships $0.00
Food Delivery Services $0.00 Vitamins and Supplements $0.00
Coffee / Convenience Stores $0.00 Exercise Equipment $0.00
Fast Food $0.00 Clothing $0.00
Pet Food $0.00 Haircuts / Cosmetics $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

ENTERTAINMENT LOANS / DEBT

Expected Actual Variance Expected Actual Variance
Books $0.00 Car Payment #1 $0.00
Movies $0.00 Car Payment #2 $0.00
New Technology $0.00 Credit Card #1 $0.00
Video Games $0.00 Credit Card #2 $0.00
Streaming Services $0.00 Student Loans $0.00
Travel / Vacations $0.00 Miscellaneous Debt $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00
 NOVEMBER

INCOME SAVINGS / INVESTMENTS

Expected Actual Variance Expected Actual Variance
SALARY (PRIMARY EMPLOYMENT) $0.00 EMERGENCY FUND $0.00
ALTERNATE INCOME SOURCE #1 $0.00 RETIREMENT (401K, IRA, ETC.) $0.00
ALTERNATE INCOME SOURCE #2 $0.00 OTHER INVESTMENTS $0.00
TOTALS $0.00 $0.00 $0.00 TOTALS $0.00 $0.00 $0.00

EXPENSES

HOUSING EDUCATION / CHILDCARE

Expected Actual Variance Expected Actual Variance
Mortgage / Rent $0.00 Tuition $0.00
Repairs / Maintenance $0.00 Before / After School Care $0.00
Lawn Care $0.00 Tutoring $0.00
Taxes / Insurance $0.00 School Lunches $0.00
Alarm System $0.00 Babysitter $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

UTILITIES TRANSPORTATION
Expected Actual Variance Expected Actual Variance
Water $0.00 Fuel $0.00
Electic $0.00 Parking Fees $0.00
Gas $0.00 Routine Maintenance $0.00
Trash $0.00 Insurance $0.00
Internet $0.00 Toll Payments $0.00
Cable $0.00 Public Transportation (Subway, Bus, etc.) $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

FOOD HEALTH AND WELLNESS

Expected Actual Variance Expected Actual Variance
Groceries $0.00 Health Insurance $0.00
Dining Out $0.00 Gym Memberships $0.00
Food Delivery Services $0.00 Vitamins and Supplements $0.00
Coffee / Convenience Stores $0.00 Exercise Equipment $0.00
Fast Food $0.00 Clothing $0.00
Pet Food $0.00 Haircuts / Cosmetics $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

ENTERTAINMENT LOANS / DEBT

Expected Actual Variance Expected Actual Variance
Books $0.00 Car Payment #1 $0.00
Movies $0.00 Car Payment #2 $0.00
New Technology $0.00 Credit Card #1 $0.00
Video Games $0.00 Credit Card #2 $0.00
Streaming Services $0.00 Student Loans $0.00
Travel / Vacations $0.00 Miscellaneous Debt $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00
 DECEMBER

INCOME SAVINGS / INVESTMENTS

Expected Actual Variance Expected Actual Variance
SALARY (PRIMARY EMPLOYMENT) $0.00 EMERGENCY FUND $0.00
ALTERNATE INCOME SOURCE #1 $0.00 RETIREMENT (401K, IRA, ETC.) $0.00
ALTERNATE INCOME SOURCE #2 $0.00 OTHER INVESTMENTS $0.00
TOTALS $0.00 $0.00 $0.00 TOTALS $0.00 $0.00 $0.00

EXPENSES

HOUSING EDUCATION / CHILDCARE

Expected Actual Variance Expected Actual Variance
Mortgage / Rent $0.00 Tuition $0.00
Repairs / Maintenance $0.00 Before / After School Care $0.00
Lawn Care $0.00 Tutoring $0.00
Taxes / Insurance $0.00 School Lunches $0.00
Alarm System $0.00 Babysitter $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

UTILITIES TRANSPORTATION
Expected Actual Variance Expected Actual Variance
Water $0.00 Fuel $0.00
Electic $0.00 Parking Fees $0.00
Gas $0.00 Routine Maintenance $0.00
Trash $0.00 Insurance $0.00
Internet $0.00 Toll Payments $0.00
Cable $0.00 Public Transportation (Subway, Bus, etc.) $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

FOOD HEALTH AND WELLNESS

Expected Actual Variance Expected Actual Variance
Groceries $0.00 Health Insurance $0.00
Dining Out $0.00 Gym Memberships $0.00
Food Delivery Services $0.00 Vitamins and Supplements $0.00
Coffee / Convenience Stores $0.00 Exercise Equipment $0.00
Fast Food $0.00 Clothing $0.00
Pet Food $0.00 Haircuts / Cosmetics $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00

ENTERTAINMENT LOANS / DEBT

Expected Actual Variance Expected Actual Variance
Books $0.00 Car Payment #1 $0.00
Movies $0.00 Car Payment #2 $0.00
New Technology $0.00 Credit Card #1 $0.00
Video Games $0.00 Credit Card #2 $0.00
Streaming Services $0.00 Student Loans $0.00
Travel / Vacations $0.00 Miscellaneous Debt $0.00
Optional #1 $0.00 Optional #1 $0.00
Optional #2 $0.00 Optional #2 $0.00
Optional #3 $0.00 Optional #3 $0.00
TOTAL $0.00 $0.00 $0.00 TOTAL $0.00 $0.00 $0.00