Our budget first sign of a single woman, just out of college. We will call Ana. Ana has a payment, used cars received as a graduation, a new apartment that has just signed a lease, two credit cards he received during his studies, a full-time graphic artist to sign the company, and a cat. She sits with a pen and paper and carefully to your monthly budget as follows:
Revenue: $ 984 every two weeks (arm)
Rate per month ...
Rent: $ 1,050
Electricity: $ 100
Internet TV: $ 79.53
Auto, Gas: $ 80 Auto $ 10 oil
Car repair $ 100
Auto insurance $ 106.23
Acme card debt: $ 79
YouOus card: $ 54
Fluffy (maps, food, etc.): $ 60
Food: $ 150
Ana decides to play it safe and figures of its normal monthly income for purposes of your budget, since only two pay periods a month (although two months of the year, receive 3.) 984x2 = $ 1968 and then subtract the total Estimated monthly cost: 1868.76. Ugh! She has $ 99 left, enough to get a couple of times for happy hour with friends and cover a few other items (clothing?) Appearing. Your insurance is automatically deducted from your paycheck, and the numbers of the two paychecks a year to help cover holidays or emergencies (boots maybe?) What can occur. Not bad. Take a look at another example of budget ...
Our second sample for Household Budget, Adam and Maria are a married couple and two children. Adam is a utility supervisor, who will take home $ 1,462 twice a month. Maria is about $ 400 in monthly sales of hand-painted ceramics online. Adam drives his workload during the week and shares the family minivan. Several years ago, they bought a small 3 bedroom house in a nice area and they only keep a credit card for emergencies. While Adam is at work, Maria runs to the table next to their home computer to share all the assets to the appropriate groups and their families:
Monthly
Our income: $ 3,324
Our fees:
Mortgage: $ 950
utility: $ 209
Internet: $ 49
Satellite TV: $ 49
Van Payment: $ 320
Van (gas, oil, etc.): $ 140
Van insurance: $ 127
Food, etc.: $ 500
Home repair funds: $ 100
Life Insurance: $ 79
Rainy Day Savings: $ 100
Clothing: $ 100
Boys college fund: $ 207
Entertainment: $ 114
Christmas and birthdays: $ 100
Investment: $ 100
Charity: $ 80
As an employee of the city, Adam receives excellent health benefits for the whole family when Maria leaves for medical expenses on your budget. It has allocated funds wisely in an emergency, Christmas and birthdays as well as long term investments, in addition to what Adam has contributed to its investment plan through work. Juan Carlos also have wisely and avoid excessive debt - to limit their lending to only their home and vehicle. And it saves a lot of money to eat at home most of the time.
In both examples, do our budgets, what works for them. There is no right or wrong way to create a average household budget. Bogged down in details can sometimes break your budget before the end. Thus, when starting on creating a budget, keep things simple. As you learn to better estimate the elements of your budget, you can still increase or decrease the level of detail you want, after a review of your actual expenses from time to time. Your budget is a "best estimate" of what you may think work for your personal finances -. Writing a goal that we seek, but not always expect to respond perfectly to hope that these simple household budget, illustrated with a good budget needs to be something other than a simple list of your income and expenses covered by your unique financial situation.