SayGoodCredit.com Logo

SayGoodCredit.com

smart credit management tips and guides

FREE Credit Checkup Guide

Budgeting Analysis
Family Income Family Recreation
Housing Expenses Debt / Legal Obligations
Transportation Expenses Savings
Family Care Expenses About Budget Management
Family Living Expenses Budget Summary Analysis
FREE Budgeting Worksheets Other Calculations
PDF: Download Budgeting Plan View Debt Consolidation Worksheet
PDF: Download Expense Sheets View Debt-to-Income Ratio
Excel: Download Budgeting Worksheet  
Monthly Family Income (before taxes)
budget analysis
Employment 1 Employment 2 Employment 3
Social Security Alimony Govt. Support
Investments Savings Other Income
        (Total Taxes)
  Total Net Family Income
SayLowerBills.com tips: helping you improve your income
Monthly Housing Expenses
budget analysis
Monthly Housing Payment (taxes and insurance) Monthly Rent
Heating Costs Telephone Electricity
Cable/Dish Gas/Propane Internet
Water/Sewage Repair Costs Trash Removal
Hm Improve Maintenance Other
  Total Housing Expenses
SayLowerBills.com tips: lowering your housing expenses
Monthly Transportation Expenses
budget analysis
Auto Loan 1 Auto Loan 2 Auto Loan 3
Auto Insurance Gas/Oil Maintenance
Taxes Licensing Parking
Public Transport Tolls Other
  Total Trans Expenses
SayLowerBills.com tips: lowering your transportation costs
Monthly Family Care
budget analysis
Health Insur Disability Insur Life Insurance
Other Insurance Doctor Visits Dentist Visits
Eye Care Veterinarian Prescriptions
OTC Medications Child Care Elder Care
Health Clubs Other Dues Other Care
  Total Family Care
SayLowerBills.com tips: lowering your family care expenses
Monthly Living Expenses
budget analysis
Essential Groceries Non-Essential Groceries Home Living Supplies
Vender Snacks, Coffee, Donuts Work/School- related lunches Pet Food
Adult Clothing Children's Clothing Work Clothes
Education Expenses House Cleaning Services Garden Care Services
Postage Other Living Expenses Other Living Expenses
  Total Living Expenses
SayLowerBills.com tips: lowering your living expenses
Monthly Family Recreation / Entertainment
budget analysis
Dining Out Movies Out Outside Entertainment
Movie Rentals Cigarettes, Beer, Wine Lottery Tickets
Casino / Other Gambling Birthdays / Anniversaries Holidays
Weekend/Day Trips Vacation Travel Other
    Total Family Entertainment
SayLowerBills.com tips: lowering your recreation expenses
Monthly Debt Obligations
budget analysis
Credit Card 1 Credit Card 2 Credit Card 3
Credit Card 4 Student Loans Home Equity
Personal
Loans 1		 Personal
Loans 2		 Alimony/ Child Support
Other Support Payments Liens or Judgment Other Assessed Taxes
Charity Donations Other Other
    Total Debt Obligations
SayLowerBills.com tips: managing your debt obligations
Monthly Savings
budget analysis
401K Contributions IRA Contributions Monthly Investment Dep
College Savings Retirement Savings General Savings
Financial Goal Financial Goal Financial Goal
  Total Monthly Savings
SayLowerBills.com tips: increasing your savings contributions
Budget Summary Analysis Calculate to Run Summary
  Amount % of Income  
Total Net Monthly Income    
Total Housing Expenses % s/b in the range of 32-35%
Total Transportation Expenses % s/b in the range of 9-12%
Total Family Care % s/b in the range of 8-19%
Total Living Expenses % s/b in the range of 27-35%
Total Recreation % s/b in the range of 4-6%
Total Obligations % s/b in the range of 18-28%
Total Savings % s/b in the range of 2-10%
Total Monthly Expenses % goal to be less than 90-98%
     
Total Monthly Net Income % goal to be more than 2-10%
       
Total Debt Obligations    
Debt-to-Income Ratio*   % s/b at or below 36%
* Based on Gross Income Above