Page 37 - Workbook1E

Housing
The Spending Plan Worksheet Made Easy
Expense Category Description Continued
Birthdays, Holidays, Weddings, Special Occasions Discretionary
Main Category
Subcategories
TYPE of Expense
Gifts/Cards
Haircuts, Personal Products, Color and Perms, Styling, Variable Manicure Discretionary
Mortgage, Rent, Condo Fees, Improvements, Fixed Ongoing Maintenance Variable
Homeowners, Auto, Life, Medical, Renters, Disaster, Fixed Disability Variable
Vacations, Travel, Recreation, Entertainment, Music, Cable TV, Hobbies, Spa/Health Club, Video Games
Discretionary
Doctors, Dentists, Chiropractors, Hospitals,
Prescriptions, Veterinarian, Contact Lenses, Variable Glasses, Medical Supplies
Unplanned items, Miscellaneous, etc.
Variable or Discretionary
Credit Cards, Personal Loans, Finance Company Variable
Bank Charges, Accounting Fees, Legal Fees, Financial Advice, Shipping, Record Keeping
Fixed Variable Discretionary
Electricity, Gas (home), Oil (home), Garbage,
Sewer, Telephone (home), Cell phone, Water, Wood
Variable
Alcohol, Tobacco, Gambling, etc. Discretionary
Grooming
Insurance
Leisure
Medical/ Dental
Other
Payments
Record Keeping/Mail
Utilities
Vices
Wardrobe
Dry Cleaning, Clothing, Fabric, Sewing Notions, Laundry, Shoes, Jewelry, Shoe Repair
Variable
Now you’re ready. After you record your expenses in the correct Type of Expense column, you’re ready to make adjustments and bring your expenses in balance with your income and goals. If your finances have been “upside down,” this is how you’ll begin to put yourself right again.
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