Get Started with Budgeting
- Creating A Monthly Budget
Step by step guide on how to create a monthly budget.
- Federal Trade Commission: Monthly Budget Worksheet
Good worksheet from the Federal Trade Commission to help you develop a monthly spending plan.
- Kiplinger: Monthly Budget Worksheet
Another monthly budget worksheet you can use from Kiplinger.
- Monthly Income Worksheet
Use this worksheet to calculate your monthly income. Look at all of the money you have incoming each month (jobs, child support, part time jobs, dividends, etc)
- Monthly Expenses Worksheet
Review your past few bank statements and determine your monthly fixed (cable bill), variable (electricity bill), and discretionary (clothing) expenses.
- Net Income Worksheet
Calculate your net income: your monthly income minus your total expenses.
- Debt Identification Worksheet
If you have debts that you need to pay down, identify those and develop a plan for paying those down.
- Debt Reduction Plan Worksheet
Once your debts have been identified, use this worksheet to develop a plan to reduce them.
- Budget Calculator
Calculator from Clearpoint Credit Counseling.
- Retirement Ballpark E$timate
This online calculator from the American Savings Education Counsel can help you get started with understanding your retirement needs.
- Net Worth Calculator
Net worth calculator from Clearpoint Credit Counseling.
- Payroll Deduction Calculator
This calculator from the American Institute of Certified Public Accountants will help you determine the impact of changing your payroll deductions.
- Emergency Savings Calculator
This calculator from the American Institute of Certified Public Accountants will help you determine your emergency savings needs.
Additional Budgeting Resources
- Budgeting Apps
Apps to help you create a budget.
- Meal Planning, Shopping, and Budgeting
Information from the United States Department of Agriculture
- Living On A Budget - Tips and Resources
Articles and resources from AARP.
- Saving Money on Utilities
Tips from Choose to Save organization.
- 66 Ways to Save Money
Helpful information from the Consumer Literacy Consortium.