Where the money goes? Keep in mind if the money is fixed, or change month by month when you make your plans. For example: if you are working with committees that your income can change from month to month, in this example you could put an average number.
Expenses:
The costs are divided into two things: The needs and expendable. If something is essential as food, transportation and shelter, there are very few changes you might make. However, things like outlets, services, etc. could reduce or expire. Remember that the primary should be spending your savings (at least 10% of your income).
The budget formula is:
INCOME – EXPENSES = PURCHASING POWER
If your purchasing power is negative it means you have to make adjustments. If purchasing power is positive you should take the remainder and save it. The rule of the game is to get you in positive or zero. You can use a program like Microsoft Excel to help you with your calculations.
If you have Office Excel 2007 can use this table is very useful for your budget:
Monthly Personal Budget
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