Budget planning
Some times our finances just seem to get a bit out of hand. Although we might know how much is coming in each month – what’s going out can be another story. Use this planner to see if your income and expenditure match up. Perhaps there are some things you could cut back on, or perhaps you could be saving a little more. This planner will help you get you finances in order so you can know exactly what you have to spend each month and where your hard earned pennies go!
Copy of budget planner (.pdf version)
MONTHLY INCOME
YEARLY INCOME
|
Category/Item |
Essential £ annually/ monthly |
Non-essential £ annually/ monthly |
|
HOUSEHOLD |
|
|
|
Mortgage / rent |
|
|
|
Electricity |
|
|
|
Gas |
|
|
|
Telephone |
|
|
|
Water rates |
|
|
|
Groceries |
|
|
|
Household maintenance |
|
|
|
TV license |
|
|
|
CAR EXPENSES |
|
|
|
Fuel |
|
|
|
Road tax |
|
|
|
Car insurance |
|
|
|
Servicing |
|
|
|
Repairs |
|
|
|
Rescue service |
|
|
|
PERSONAL |
|
|
|
Clothes |
|
|
|
Shoes |
|
|
|
Medical costs |
|
|
|
Incidentals (hairdresser, dry cleaning) |
|
|
|
HOLIDAYS & TRAVEL |
|
|
|
Bus and train fares |
|
|
|
Holidays |
|
|
|
Days out |
|
|
|
School trips |
|
|
|
FINANCIAL |
|
|
|
Hire purchase and lone repayments |
|
|
|
Life insurance |
|
|
|
Pensions |
|
|
|
Other insurances |
|
|
|
Savings |
|
|
|
Buildings and contents insurance |
|
|
|
ENTERTAINMENT |
|
|
|
Cinema / video / theatre |
|
|
|
Evenings out |
|
|
|
CDs and music |
|
|
|
Sport |
|
|
|
Fitness classes |
|
|
|
Hobbies |
|
|
|
Club memberships |
|
|
|
OTHER |
|
|
|
Child care costs |
|
|
|
Contributions / support for parents / family |
|
|
|
TOTALS |
|
|
Use the planner to think about:
- How much do you spend? Are you spending more, breaking even, or do you have cash left at the end of each month?
- Where are most of your outgoings, do you spend more than you should on clothes, or are you a take away addict? Are all your purchases essential?
- Are there any surprises – it is shocking sometimes how much these things add up. How much is that gym membership, do you really need all those CDs?
- Could you and you partner have a monthly budget? Talk about it together.
Comments
Add your comment
Please Log in or Sign up to add your comment. You will still be able to remain anonymous if you wish.
The Family Information Direct Directory is a comprehensive online directory offering parents and those working with them the ability to search for information about childcare and family services, in both their local community and nationally
Anonymous on 17 October 2008 at 6:45pm said...
we are struggling right now.things cost more and we are worried bout jobs so I tried the planner to get a grip on things. we fight over money more than anything else.Well I showed Joe the list and first he got angry he thought i was goin to have a go.But I said look why don't we each fill it out and compare. Tried to print it prints wierd.Can you make it come out on one page? Can I fill it in and keep it on computer to do again when things change like when I win lotterty!
I looked at the work it out but i cant work that out either. Can you explain.
marcia
admin on 22 October 2008 at 4:42pm said...
Thank you for your comments on the budget planner – we appreciate your feedback and suggestions. We will try to add a downloadable version of the planner in the near future. In the meantime, if you have Microsoft Office Excel, you could copy the planner and paste it into an Excel document.
Thank you also for your comments on the "Work it out" area. This section is where users have the possibility of making plans, using information and understanding gained from the "Check it out" and "Talk it out" sections. Should they wish to, users will also be able to set goals for their relationship and access exercises that help them to make changes and review their progress on a regular basis.
In order to do this, a user would need to register so that we can provide them with resources that match their needs/interests; registration will also allow a user to create their own private Personal Space where they can personalize the resources they use on thecoupleconnection.net. If both a user and their partner decide to register on the site, they will be able to create their own private Couple Space where they can work together on their relationship.