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To account for those expenses (like car insurance) in your monthly budget, simply calculate the total expense for the calendar year and divide that by 12 in order to find the "monthly" expense. Write that number in the appropriate row and column. How to complete your monthly budget worksheet? To begin, we suggest gathering all relevant financial statements like your pay stubs, credit card bills, and any other information that will inform the best and most accurate estimate of your expected income and spending.

You can spend ũ값 a month on your "wants" based on that ū귔 you're bringing home each month. You might consider doing without a few things and shifting some of this money to your "needs" column if you're coming up short there_not necessarily indefinitely but until you can get your needs down to a more manageable level. Remember, you still need 20 percent left over so you can save and pay down your debts according to the 50ቺተ plan. Now you have 轜 left, that last 20 percent. You know what to do with it. Pay down on debt, save for an emergency, and plan for your future.

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