Personal Budget

Percentage of Income Spent Summary

TOTAL MONTHLY INCOME
R6,000.00

R 5,200.00
R5,000.00

56
TOTAL MONTHLY EXPENSES
R4,000.00

R 2,900.00
R3,000.00

% TOTAL MONTHLY SAVINGS

R -
R2,000.00

R1,000.00

CASH BALANCE
R-

R 2,300.00 Income Expenses

Monthly Income Monthly Expenses Monthly Savings

ITEM AMOUNT ACTUAL ITEM DUE DATE BUDGET ACTUAL ITEM AMOUNT ACTUAL

Monthly income R5,200.00 R5,200.00 1. Contractual Expenses 2.2 Savings and investments

Investment/ pension in R0.00 R0.00 Income tax R0.00 R0.00 Long-term goal: Retirement R0.00 R0.00

Rental income R0.00 R0.00 Home loan R0.00 R0.00 Long-term goal: Buying assets R0.00 R0.00

Other income (eg child m R0.00 R0.00 Rent R1,000.00 R1,000.00 Long-term goal: Education
R0.00 R0.00

Municipal rates and taxes R0.00 R0.00 Long-term goal: Other R0.00 R0.00

Levies R0.00 R0.00 Medium-term goal: Overseas holid R0.00 R0.00

Vehicle finance repayment R0.00 R0.00 Medium-term goal: Other R0.00 R0.00

Debt repayments R0.00 R0.00 Short-term goal: Emergency fund t R0.00 R0.00

Banking charges R0.00 R0.00 Short-term goal: Other R0.00 R0.00

3. Voluntary expenses

3.1 Needs

3.1.1 Transport

Petrol costs R0.00 R0.00

Spares and repairs R0.00 R0.00

Vehicle licence R0.00 R0.00

Tracking device R0.00 R0.00

Other R0.00 R0.00

3.1.2 Household expenses

Security R0.00 R0.00

Electricity R0.00 R0.00

Water R0.00 R0.00

Gas R0.00 R0.00

Internet R0.00 R0.00

Home phone R0.00 R0.00

Mobile phones R0.00 R0.00

TV licence R0.00 R0.00

Cleaning services R0.00 R0.00

Home maintenance R0.00 R0.00

Garden services R0.00 R0.00

Other R0.00 R0.00

3.1.3 Living costs

Grocery shopping R0.00 R0.00

Medical expenses not covered by your medical sch R0.00 R0.00

Health products R0.00 R0.00

Pets R0.00 R0.00

Support for family members R0.00 R0.00

Other R0.00 R0.00

3.1.4 Education and childcare costs

Childcare (crèche, pre-school, au pair, childminder) R0.00 R0.00

Monthly Income Monthly Expenses Monthly Savings
ITEM AMOUNT ACTUAL ITEM DUE DATE BUDGET ACTUAL ITEM AMOUNT ACTUAL

School fees R0.00 R0.00

Other expenses (books, laptop, extra lessons) R0.00 R0.00

Extra-curricular activities R0.00 R0.00

School uniforms R0.00 R0.00

School shoes R0.00 R0.00

Sports clothing and equipment R0.00 R0.00

Own education R0.00 R0.00

Other R0.00 R0.00

3.1.5 Work-related costs

Professional fees R0.00 R0.00

Subscriptions R0.00 R0.00

Work clothes R0.00 R0.00

Other R0.00 R0.00

3.2 Wants

Beauty products and toiletries R0.00 R0.00

Hairdressing and beauty treatments R0.00 R0.00

Clothing R0.00 R0.00

Gym membership R0.00 R0.00

Sporting expenses R0.00 R0.00

Digital television subscriptions R0.00 R0.00

Other subscriptions R0.00 R0.00

Takeaways R400.00 R400.00

Alcohol R900.00 R900.00

Cigarettes and tobacco R0.00 R0.00

Pocket money R600.00 R600.00

Weekend away R0.00 R0.00

Holiday R0.00 R0.00

Other R0.00 R0.00

2. Insurance

Household insurance (structure and content) R0.00 R0.00

Vehicle insurance R0.00 R0.00

Other short-term cover (digital devices, sports equi R0.00 R0.00

Life insurance R0.00 R0.00

Income protection insurance R0.00 R0.00

Disability insurance R0.00 R0.00

Critical illness insurance R0.00 R0.00

Medical aid/hospital plan R0.00 R0.00

Gap cover R0.00 R0.00

Funeral insurance R0.00 R0.00

Other (retrenchment cover) R0.00 R0.00

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