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“Blessed are you who are poor, for yours is the kingdom of God

Blessed are you who are hungry now, for you will be filled.”

 (Luke 6:20-21)

Following is a basic budget worksheet. You would be amazed at how many people have never sat down to look and make certain that the amount of money they bring in is more than they spend is a month. Feel free to print off this basic budget worksheet to assist you in managing your money.

Monthly Income:

Are You Employed?                                        Amount _______

Spouse/Partner Employed?                           Amount _______

Other Household Member Employed?         Amount _______

Other Household Member Employed?         Amount _______

Income from household SSI, SSD, Public Assistance, Retirement Funds, and/or Pension?

Type? __________________                            Amount _______

Type? __________________                            Amount _______

Type? __________________                            Amount _______

Type? __________________                            Amount _______

Alimony or Child Support                               Amount _______

Additional Income                                           Amount _______

Additional Income                                           Amount _______

Additional Income                                           Amount _______

                                      Total Income: _______________

Food stamps?             Food Stamp Amount: _______________

——————————————————–

Monthly Expenses:

Monthly Housing Rent / Lot Rent / Mortgage           Amount _______

Average Monthly Electric Bill                                      Amount _______

Average Monthly Heating Bill                                      Amount _______

Average Monthly Water Bill                                          Amount _______

Average Monthly Cost for Gasoline (for vehicle)       Amount _______

Monthly Car Payment(s)                                               Amount _______

Monthly Car Insurance Bill                                           Amount _______

Monthly Home Owners/Renal Insurance                   Amount _______

Other Monthly Insurance (i.e. Life Insurance, etc.)   Amount _______

Average Monthly Telephone Bill                                  Amount _______

Average Monthly Cell Phone Bill                                  Amount _______

Monthly Cable/Satellite Bill                                           Amount _______

Monthly Internet Charge                                               Amount _______

Average Monthly Food Spending                                 Amount _______

Average Monthly Clothing Spending                          Amount _______

Monthly Credit Card Payments                                   Amount _______

Monthly School Loan Payments                                 Amount _______

Monthly Child Support Payments                              Amount _______

Monthly Alimony Payments                                       Amount _______

Monthly Fines                                                               Amount _______

Monthly Entertainment (Restaurants, Hair, etc.)     Amount _______

Cigarettes (Monthly Expense)                                    Amount _______

Drug and/or Alcohol (Monthly Expense)                  Amount _______

Other                                                                              Amount _______

Other                                                                              Amount _______

Other                                                                              Amount _______

Other                                                                              Amount _______

Total Expenses                                                   ____________________

Total Income                                  ______________________

Subtract Total Expenses               -______________________

Equals Balance                            = ______________________

If your expenses are more than your income you have two options: (1) Make more money or (2) Do not spend as much money.  Is there any way to increase your monthly money?  Is there any way to cut the amount of money you spend?  What expenses are essential to living?  Which expenses are helpful, but not necessary?  Working for more money or going without can both be hard options, but they may be the only options you have.  One way to help free up money is to learn how to eat cheaply, but healthy.

The Good and Cheap Cookbook.

Good and Cheap is a gorgeous cookbook for people with limited income, particularly those on a $4/day food stamps budget.

What is Good and Cheap?

Good and Cheap is a free PDF cookbook for people with very tight budgets, particularly those on SNAP/Food Stamp benefits. It has been downloaded more than 500,000 times.  Download and start using your copy today.

 

Grace Connection: (570) 268-0431 / PO BOX 122, Towanda PA 18848 / graceconnection122@gmail.com

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