Fill in this worksheet by writing in the average amount you spend each month in each category. Be honest and don’t leave anything out. Don’t forget things like vacations, gifts, donations, cigarettes, makeup, etc. If you spend money on it, find a place for it in your expense sheet. If you’re estimating and you’re not sure, choose the highest realistic number.

If your expense comes up every couple of weeks or every other month, average it. For example, if you pay medical bills every two months for $200, list $100 for medical bills for the month.

You can fill in this table or use the EverydayMoney Budget Tool.

EXPENSES ( CLICK HERE TO PRINT ( Adobe® Acrobat® Reader® required)