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3 Huge Tips to Reduce Credit Card Debt |
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| Category | Monthly Budgeted Amount | Monthly Actual Amount | Actual/Budget Difference |
| INCOME: | |||
| Salary (self/spouse) After Tax | |||
| Bonuses | |||
| Interest Received | |||
| Investment/Dividend income | |||
| Miscellaneous (Gifts, garage sale, etc.) | |||
| INCOME SUBTOTAL | |||
| EXPENSES: | |||
| Rent/Mortgage | |||
| Car Payments | |||
| Water/Sewer | |||
| Electricity | |||
| Cable/Internet | |||
| Telephone | |||
| Waste disposal | |||
| Savings | |||
| Debt Payments (credit cards, etc.) | |||
| Household Repairs/Maintenance | |||
| Gasoline | |||
| Auto Repairs/Maintenance/ Legal Fees | |||
| Transportation/Commuting (tolls, bus, subway, etc.) | |||
| Child Care | |||
| Auto Insurance | |||
| Home Owners/Renters Insurance | |||
| Health Insurance | |||
| Entertainment/Recreation | |||
| Food/Groceries (include dining out) | |||
| Household (Toiletries, Cleaning supplies, etc.) | |||
| Health Care (medical/dental/vision) | |||
| Clothing | |||
| Gifts/Donations (Church/Charity) | |||
| School Loan | |||
| Personal Care (Haircuts, salon) | |||
| Vacation, Travel | |||
| Magazines/Newspaper Subscriptions | |||
| Pets | |||
| Miscellaneous Expense | |||
| EXPENSES SUBTOTAL | |||
| Income Minus Expenses |
Mvelopes Personal is an online budgeting system that makes it easy to create an effective personal budget and track every aspect of your spending as it happens. It will help you always know exactly how much you have left to spend, instantly know the impact of every spending decision, effectively manage credit card spending, and quickly create an easy to use household budgeting plan. Click here to learn more
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Personal Money Management Basics
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Did You Know... |
49% of adults, and 66% of US high school students got F's on a national test on their knowledge of basic economic principles.
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Food for Thought... |
"I'd rather go to bed without supper than rise in debt."
-Ben Franklin.
