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Jo Ann Brown

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Member Since: Jan, 2008

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How To Make A Budget
by Jo Ann Brown   
Not "rated" by the Author.
Last edited: Friday, February 01, 2008
Posted: Friday, February 01, 2008

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Gives 4 steps to preparing a budget

Four Steps To Preparing A Budget

By Jo Ann Brown – Author - “Getting Started On Your 401(k) Plan”

Step 1 - Figure out how much income you have. Add all of your income sources together.
• Take home pay
• alimony
• child support
Step 2 - Write down what you think you will be spending in the following categories:
• Rent or Mortgage
• Property taxes
• Groceries
• Restaurant meals
• Lunches at work
• School lunches
• Electric
• Gas
• Telephone
• Cell phone
• Long Distance
• Water
• Garbage
• Prescriptions
• Laundry
• Dry Cleaning
• Hair Care
• Clothing
• Toiletries
• Child Support
• Day care
• Babysitting
• Children’s allowance
• Pet food/supplies/veterinarian
• Furniture
• Appliances
• Home cleaning/repair supplies
• Car payment
• Gasoline
• Oil
• Repairs
• Tires
• Registration
• Inspection
• Public Transportation
• Parking
• Car
• Life
• Property/casualty
• Disability
• Renter
• Burial
Recreation and Entertainment
• Hobbies
• Vacation
• Shows/Movies
• Dining/Entertainment
• Alcohol
• Tobacco
• Lottery tickets/gambling
• Cable TV
• Church
• Birthdays
• Holidays
Step 3 - After you have created your budget, you need to keep records of your actual income and expenses. This will help you see the difference between the amount you budgeted and what you actually spent.
Step 4 -As you track your monthly expenses, you may need to trim expenses. Cutting back is usually a better place to start than cutting out. You’ll be better prepared for emergencies if your budget is realistic and if you use it to guide your expenses.

Web Site: Getting Started On Your 401(k) Plan

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