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MONTHLY BUDGET WORKSHEET!
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IÂ get tons of questions for more information on exactly how we handle budgeting around here, so here's a quick overview of our monthly budget planning.
We by no means have it all figured out, but this is what's worked for us for almost twenty years . . . maybe it will help you too!
We started years ago using the Financial Peace envelope system, however, at least for our family, keeping up with cash for every single item was just difficult to manage. So, here's how we've tweaked it to work for us:
- Every two weeks (on Friday), we withdraw cash for groceries, dining out, and entertainment
- Once a month, we have an automatic withdrawal taken out of our checking account and deposited into savings for other specific items (keep reading)
- When we need one of those specific items, we transfer money back into checking from savings to cover those expenses.
- Kids sports and extracurricular activities
- Vacations
- Christmas gifts (we start saving every January)
- Birthday gifts
- Car expenses
- Car replacement
- Life insurance
- Home Owners Association dues
- Real Estate Taxes
- Yard Maintenance
- Furniture Replacement (I don't think my husband puts much in this one, but I forced him to add it in the spreadsheet) 😉
- Clothing
- Dry Cleaning
- Hair Care
- School Supplies
- College Fund
- “Blow” money
MONTHLY BUDGET WORKSHEET!
Download your FREE monthly budget worksheet now!
I won't send you any spam, ever. Promise.
If you're new to budgeting, check out this free budgeting app!
I'd love to know how your family handles monthly budget expenses, and what other suggestions you have. Leave a comment to share ~ I love hearing from you!
New to budgeting and don't know where to begin? Here are a few posts to you get started:
- What My Five Year Old Taught Me About Money
- Don't Sacrifice What You Really Want For What You Want Right Now
- How Much Should A Family Spend On Groceries?
- Budget Check Up Week One: Have You Determined Your 2013 Grocery Budget
- Are you on an all cash budget?
- New to couponing? Here's where to start.
- How Does Your Grocery Budget Look?
- Extreme Coupon Fraud: What You See On TV Isn't Always Real
- Are You Spending Within Your Budget?
- Save the Way You Can Save: Penny Pinching Is Not A Competition
- Are You Satisfied With Your Penny Pinching?
- You Do Have Time To Coupon (But You Don't Have To Do Everything. . .)
- Are Coupons For Everyone?
- How To Really Change Your Grocery Budget
- How to Save on Organics
5 INGREDIENTS MENU PLAN SAMPLE
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