You’ll be calculating everything according to a per-month cost on this worksheet, so you may need to break down quarterly or yearly bills. FIrst, make note of any recurring home-related expenses that you may have.
| Mortgage/Rent | Utilities | Home Insurance | Internet/Phone | Child Care |
| $ | $ | $ | $ | $ |
Next, write down any travel (in the commuting sense, not in the vacation sense) expenses that you pay on a regular basis. Provide your best estimate for things like fuel costs.
| Car Insurance | Fuel | Car Maintenance | Public Transit Access | Misc. |
| $ | $ | $ | $ | $ |
Don’t worry about totals right now, just write down minimum payments in this section.
| Credit Card Payments | Student Loan Payments | Tax Payments | Auto Loan Payments | Misc. |
| $ | $ | $ | $ | $ |
We obviously can’t forget health expenses – again, make your best estimate for things like prescription and co-pay costs for a given month.
| Health Insurance | Prescriptions | Co-Pays | Medical Debt Payments | Gym Membership |
| $ | $ | $ | $ | $ |
This section has a couple more suggestions for expenses you may have overlooked, as well as a few more Misc. boxes for those expenses we didn’t even think of.
| Subscriptions | Pet Supplies | Misc. | Misc. | Misc. |
| $ | $ | $ | $ | $ |
| Monthly Total | Annual Total |
| $ | $ |
