Tips

how to manage finance?

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Monthly Income

Total

Wages / salary [ net after taxes and deduction ]

Other income [net after taxes and deduction ]

Monthly Expenses

Charitable giving

Total

Tithes

Offerings

Other

Housing

Mortgage / net

Repairs / maintenance

Furnishings

Others

Utilities

Electricity

Gas

Water

Trash

Telephone

Food and household

Groceries

School / work lunches

Household needs

Others

Transportation

Auto loan

Gas / oil

Parking

Repairs

Bus / train fare

Insurance

Auto

Life

Health / accident

Home owner/renter

Other

Debt repayment

Bank / personal loans

Credit card payment

Creditcard payment

Other

Health care

Doctor

Dentists

Medications

Other

Other

Clothing

Savings and / or investment

Entertainment

Total monthly expenses [ add all the above expenses ]

Monthly surplus or deficit [ monthly income minus expenses ]