- 1). Observe your spending for at least a month. That means you must record each and every little thing you spend your money to buy. If you use your debit or credit card everywhere, you job is a bit easier, but if you take any money out, you must record where it goes. If you already have this step completed, move to the next step for sample household budget forms.
- 2). Categorize each of your expenses into Housing, car payment, insurance, groceries, entertainment, utilities, transportation (ie: gas or bus fare), toiletries, clothing, Internet service, loans, and child care. Of course you could have other expenses. If you do, make separate categories for each. You'll need them on the sample household budget forms.
- 3). Visit the website at Free-Financial-Advice.net. The link is below in the resources section. Here you will find one of the simplest sample household budget forms around. This gives you a quick idea of how much money you have left over at the end of the month.
- 4). Input your Gross income. Then, place your tax amount and withholdings in the required blanks so that the sample household budget forms can give you your true take home pay.
- 5). Tweak where necessary. You'll be able to easily see where you spend way too much money. For instance, some people don't realize they spend over $500 a month on entertainment alone. Sample household budget forms can be a wake up call.
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