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How to use your monthly budget worksheet. Below is a worksheet that attempts to list possible sources of monthly income as well as expenses. As everyone's financial situation is different, you may find that not every category is applicable to your income or spending. You may even find that some months are different than others, but you should find through going through this exercise you are better prepared for those changes and even accounting for unanticipated expenses.

The 50ቺተ Rule of Thumb for Budgeting. You've reviewed your spending and created a budget, and now you know exactly how much you spend on your home, your car, discretionary spending, and how much you divert to your retirement accounts. That's all good, but what about your other savings, such as for an emergency? How does your financial allocation compare to the amount you should ideally spend and save?

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