This document is a cash flow and allocated spending plan template for an individual or family. It outlines budget categories like housing, utilities, food, transportation, and debts. The plan allows the user to allocate their total monthly income of $3,000 across the categories for two pay periods each month. However, this particular plan has not yet been filled out, as the subtotals and allocations for each line item are currently at 0%. The notes indicate that the user must allocate 100% of their paychecks to fully complete the zero-based budget.
This document is a cash flow and allocated spending plan template for an individual or family. It outlines budget categories like housing, utilities, food, transportation, and debts. The plan allows the user to allocate their total monthly income of $3,000 across the categories for two pay periods each month. However, this particular plan has not yet been filled out, as the subtotals and allocations for each line item are currently at 0%. The notes indicate that the user must allocate 100% of their paychecks to fully complete the zero-based budget.
This document is a cash flow and allocated spending plan template for an individual or family. It outlines budget categories like housing, utilities, food, transportation, and debts. The plan allows the user to allocate their total monthly income of $3,000 across the categories for two pay periods each month. However, this particular plan has not yet been filled out, as the subtotals and allocations for each line item are currently at 0%. The notes indicate that the user must allocate 100% of their paychecks to fully complete the zero-based budget.
Budgeted Item Total TOTAL 1st of Month 15th of Month ZERO = $3,000.00 $1,500.00 $1,500.00 CHARITABLE GIFTS (10-15%) 0.00% $0.00 0.00 0.00 Charity 1 0.00 a Charity 2 0.00 a SAVINGS (5-10%) 0.00% $0.00 0.00 0.00 Emergency Fund 0.00 Retirement Fund 0.00 Purchases (sinking fund) 0.00 HOUSING (25-35%) 0.00% $0.00 0.00 0.00 First Mortgage or Rent 0.00 Mortgage Insurance 0.00 Property Taxes 0.00 Homeowners Insurance 0.00 Renters Insurance 0.00 Repairs/Replace Furniture 0.00 Other 0.00 UTILITIES (5-10%) 0.00% $0.00 0.00 0.00 Electricity (or all utilites if renting) 0.00 Water 0.00 Gas 0.00 Sewer 0.00 Trash 0.00 Phone 0.00 Cell phone 0.00 Cable TV / Internet 0.00 FOOD (5-15%) 0.00% $0.00 0.00 0.00 Grocery 0.00 Restaurants 0.00 TRANSPORTATION (10-15%) 0.00% $0.00 0.00 0.00 Gas and Oil 0.00 Repairs and Tires 0.00 License and Taxes 0.00 Car Insurance 0.00 Public transportation 0.00 CLOTHING (2-7%) 0.00% $0.00 0.00 0.00 Children 0.00 Adults 0.00 Cleaning/Laundry 0.00 MEDICAL/HEALTH (5-10%) 0.00% $0.00 0.00 0.00 Disability Insurance 0.00 Health Insurance 0.00 Doctor Bills 0.00 Dentist 0.00 Contacts 0.00 Optometrist 0.00 Rx Drugs 0.00 PERSONAL (5-10%) 0.00% $0.00 0.00 0.00 Life Insurance 0.00 Identity Theft Protection 0.00 Hair Care/Toiletries 0.00 Child Care 0.00 Baby Sitter 0.00 Child Support 0.00 Alimony 0.00 Education/Adult 0.00 School Tuition 0.00 School Supplies 0.00 Subscriptions 0.00 Organization/Club Dues 0.00 Pet Care 0.00 Postage 0.00 Computer & Printer 0.00 Gifts 0.00 Miscellaneous 0.00 Gym Membership BUFFER $$ 0.00 RECREATION (5-10%) 0.00% $0.00 0.00 0.00 Entertainment 0.00 Vacation 0.00 DEBTS (5-10%) 0.00% $0.00 0.00 0.00 Car Payment #1 0.00 Car Payment #2 0.00 Credit Card #1 0.00 Credit Card #2 0.00 Student Loan 0.00 Student Loan 0.00 Other 0.00
Total Allocations $0.00 $0.00 $0.00 0.00
Minus Total Income $3,000.00 $1,500.00 $1,500.00 0.00 Zero Balance $3,000.00 $1,500.00 $1,500.00
Monthly Pay $ 3,000.00
Other Source of Income Other Source of Income Rental Income Previous Month's Carry-Over Notes: Use the accompanying handout to complete your monthly zero-based budget. You must allocate 100% of your paychecks.