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Free Printable Monthly Budgetinancial Worksheet Images Highest Quality Personalinance Financial Budget Personal Finance

Step One: Calculate Your After_Tax Income. Your after_tax income is what remains of your paycheck after taxes are taken out, such as state tax, local tax, income tax, Medicare, and Social Security. If you're an employee with a steady paycheck, your after_tax income should be easy to figure out. Look at your paystubs. If health care, retirement contributions, or any other deductions are taken out of your paycheck, add them back in.

Once you have a list of your expenses and your income, you will need to compare the two numbers. Your expenses should less than or equal to your income. If you have additional money after you plan your budget, you can add it to the categories for your financial goals like getting out of debt or building an emergency fund. If you have more expenses than income, you will need to find ways to cut back on your expenses. Start by cutting money from your categories in the luxury section of your budget. You can also work on ways to increase the amount you earn.

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