This is a very simple list of what you might have coming in, and going out, on a monthly basis. You need to fill this in after you’ve got to grips with the nuts and bolts of your day-to-day spending. This worksheet helps you crank it up to a global, big-picture view and will either make you smile or cry. But either way, at least you KNOW what the situation is and can do something. No one likes that ostrich feeling and the pit in your stomach only goes when you’re feeling more in control.

INCOME
Calculate your monthly income here

Earnings
Additional earnings
Benefits
Maintenance received

TOTAL MONTHLY INCOME =

TAX
What do you need to put aside for tax?

FIXED OUT-GOINGS
List your direct debits here
1
2
3
4
5
6
7

Maintenance paid
Childcare

NON-FIXED OUT-GOINGS
List your expenses that vary here

Food
1
2
3
4

Fun
1
2
3
4

Personal
1
2
3
4

Children
1
2
3
4

DEBTS
List any payments you have to pay off loans, credit cards etc
1
2
3
4
5

SAVINGS
List any savings you put aside here
Holiday fund
House fund
General savings

TOTAL MONTHLY OUT-GOINGS=