Comprehensive Monthly Budget

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Please note: the word "flex" appears next to some of the categories listed below. These are categories where you have an opportunity to cut back on the amount you spend. If you have any questions, please contact your DCC Certified Credit Counselor.

Housing
Mortgage or rent
Second mortgage
Property taxes
Homeowner's insurance
Total	$0.00

Utilities
Electricity (flex)
Gas or heat (flex)
Water/sewer/trash (flex)
Telephone (flex)
Cell phone (flex)
Cable/satellite (flex)
Internet provider (flex)
Total	$0.00

Insurance
Health/Dental (out of pocket)
Auto
Life
Total	$0.00

Entertainment
Dinners out (flex)
Lunches out (flex)
Movies (flex)
Other (flex)
Total	$0.00

Groceries Etc.
Food (flex)
Health & beauty (flex)
Dry cleaning/cleaning supplies (flex)
Total	$0.00

Family
School lunches (flex)
Child support/alimony payments
Daycare/babysitters/aftercare (flex)
Pet expenses (flex)
Total	$0.00

Transportation
Car payment
Gasoline (flex)
Parking and tolls
Public transportation
Total	$0.00

Medical Bills
Co-pays Dr. visits
Co-pays pharmacy
Other medical
Total	$0.00

Miscellaneous for Household
Clothing (flex)
Cigarettes (flex)
All hair/grooming (flex)
Gym membership/Sports (flex)
Union and professional memberships
Charities (flex)
Other major bills
Total	$0.00

Revolving Debt
Monthly credit card payment
Monthly personal loan payment
Monthly student loan payment
Other
Total	$0.00

Monthly Income	Gross	Net (after taxes)
Salary
2nd job/self-employment
Spouse's Salary
Other income
Total	$0.00	$0.00

DEBT/INCOME SUMMARY
Total Income	$0.00
less Total Monthly Expenses	$0.00
equals Balance of Funds	$0.00

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Comprehensive Monthly Budget

Housing

Utilities

Insurance

Entertainment

Groceries Etc.

Family

Transportation

Medical Bills

Miscellaneous for Household

Revolving Debt

Monthly Income

Gross

Net (after taxes)

DEBT/INCOME SUMMARY