MONTH INCOME (how much money you earn)
Your total income Your partner’s total income
EXPENSES (how much you spend) Groceries Bond/rent Rates and water (Municipal account) Electricity Telephone land line Cell phone costs Petrol/taxi/transport School fees School clothes/trips/extramural activities Pocket money Emergency kitty Entertainment Donations Other ACCOUNTS Car payment Clothing Furniture Other INSURANCE Short term insurance Long term insurance Other LOANS Bank Credit card Micro loan Other OTHER (list any other expenses not listed above) Bank costs Stokvel/clubs SAVINGS/GOALS Savings account TOTALS
DEBIT CREDIT BALANCE
DEBIT
CREDIT
DISPOSABLE INCOME
An important part of budgeting is looking at the things you really need (necessities like food, electricity, etc) and the things you can do without (luxuries like going to the movies or buying take-away food).
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