You can use the following budget worksheet to make an honest appraisal of your household budget. The worksheet helps you have the correct assessment of your income, expenses, savings, deficits, etc. All you need to do is fill out the fields with correct data. Leave out the fields which don't pertain to you. Once you have filled out the worksheet, you can determine whether or not you are actually been able to stick to your budget. After using this worksheet for around 3 months, you can also find out the areas where you need to improve.

Name:________________
Month: _______________ Year ___________

CATEGORY	MONTHLY BUDGET AMOUNT	MONTHLY ACTUAL AMOUNT	DIFFERENCE BETWEEN ACTUAL AND BUDGET
INCOME:
Wages Paid
Bonuses
Interest Income
Capital Gains Income
Dividend Income
Miscellaneous Income
INCOME SUBTOTAL
EXPENSES:
Mortgage or Rent
Utilities: Gas/Water/Electric/Trash
Cable TV
Telephone
Home Repairs/Maintenance
Car Payments
Gasoline/Oil
Auto Repairs/Maintenance/Fees
Other Transportation (tolls, bus, subway, etc.)
Child Care
Auto Insurance
Home Owners/Renters Insurance
Computer Expense
Entertainment/Recreation
Groceries
Toiletries, Household Products
Clothing
Eating Out
Gifts/Donations
Healthcare (medical/dental/vision, inc. insurance)
Hobbies
Interest Expense (mortgage, credit cards, fees)
Magazines/Newspapers
Federal Income Tax
State Income Tax
Social Security/Medicare Tax
Personal Property tax
Pets
Miscellaneous Expense
EXPENSES SUBTOTAL
NET INCOME (INCOME LESS EXPENSES)