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Your Budget
The development of a household budget is a desirable activity both before you make a Real Estate purchase as well as consistently during your ownership. By preparing a budget while you are looking at homes, you can better focus on mortgage payment goals and how the new house will affect your total expenses. Maintaining a budget during the time you own the home can help to prevent potential financial disasters as well as point you in a money saving ...
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Budget Example
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A budget is the culmination of a fairly involved process; not difficult, but it involves gathering a lot of data. Some lines, such as line 11: Utilities (below), are totals from previous work sheets; not included here for simplicity. The process is easy, though: the work sheet for a budget line (category) would list all the expenses (or income items) in that category; the total of the work sheet would be ...
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Introduction | Choosing a Place to Rent | Signing the Lease
Living in a Rental Property | Moving Out | Tenants' Guide Home
Sample Budget
The following items are ones you should consider when formulating a sample budget.
Initial Expenses Your Personal Figures
Security Deposit = 1 month rent $____________
Phone and Utilities Deposit $____________
Moving Expenses ...
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These are the headlines we see nationwide everyday..
"Bankruptcy is UP"
"Debt is UP"
"Poor Spending Habits are UP"
"Saving is Way DOWN"
...But why are these money issues still a problem with so much information available?
We have found that most people go through their schooling focused on career training and learning how to make money, yet never learn how to spend money. Yes, spending money is easy, but spending it wisely is not!
What many of us have missed is a basic financia ...
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Budget Worksheet
(may be reproduced on 8 1/2 x 11" paper) Date:_____________
Employed by:______________________
City/State: ______________________
Occupation: ______________________
Pay Period: ______________________ Salary/Annual:____________________ Next Payday:______________________
# Exemptions: __________Children in Household
Name DOB
___________________
___________________
___________________ ...
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Protect Your Personal Assets:
Incorporate Your Business
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Household Budget Sponsored by:
Page 1 | Page 2 | Page 3 | Page 4
Prepared by:Date Originally Prepared:
ITEM PAID TO: MONTHLY AMT. PROPOSED AMT. HOW SAVINGS
Housing Costs
Mortgage or Rent
2nd Mortgage
Electric
Phone
Water/Sewer
Fuel gas or oil
Trash removal
Cable
Supplies
Maintenance/repairs
Other:___________________
Automobile(s)
Payment 1
Payment 2
Insurance
Gas/oil
Maintenance
Licensing
Other:______________
Insurance
Homeowners'
Auto
Life
Health
Disability
Other:______________
Total, this page
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Families Taking Charge: Setting Spending Priorities
Author: Irene Leech, Extension Specialist, Consumer Education, Virginia Tech, with the assistance of Don Cloud
Publication Number 354-100, June 1996
Table of Contents
Introduction
How Other Families Handle Reduced Income
Making a Spending Plan
Making Your Spending Plan Work
Managing on a Seasonal or Irregular Income
Summary
Introduction
Faced with a reduced income, you'll need to cut back on spending and develop a spe ...
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North Dakota State University Family Resource Management Publications
NumberTitleYearCost
FE222Family Money Manager - PDF Version (86KB)2004
FE-222a Financial Term Guide - PDF Version (29KB)
FE-222b Spending Forecast - PDF Version (33KB)
FE-222c Family Balance Sheet - PDF Version (27KB)
FE223Household Inventory - PDF Version (28KB)1997
FE241To Buy or Rent? The Choice - PDF Version (38KB)2002
HE242Shopping For a New or Reduced Term Mortgage1993
HE247Money in Our Children ...
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HOME LOAN GUIDE
We offer a better way to get a loan. Now you can quickly search multiple lenders to find the best loans for all of your financing needs and know you will receive the quality service you expect.
Finance your home purchase Found your dream house? Search hundreds of low rates and get free mortgage rate quotes. With 24-hour online tracking, you are guaranteed the lowest cost loans and on time closing with no lender fees.
Credit Problems? Finance your house Apply and ...
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What is household budget management? Is it keeping track of all your expenses so that at the end of the month you can see where all your money went? So you know what expenses need to be curtailed, or eliminated? We don't think so!
What good does it do to find out, after the fact, that you really can't afford that new TV you just bought? Or that you spent too much money eating out, going to the movies, etc! That there isn't enough money available to make your car payment? Pay your electric ...
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How Large a Mortgage Will You Qualify For?
Your income
With the help of the people who provide you with assistance, you will need to list all the income that you receive every month. Using the Budget Worksheet below, you can determine the exact amount of your income. This may include wages from work and/or public benefits such as Social Security and Medicaid Waiver funds, or any other income that you may have. If an agency receives and spends money for housing or other expenses on your b ...
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You've guessed the correct number of sand grains on a 25 mile long beach
in Australia and won a one-way ticket to the planet Knab. While rocketing
through space toward Knab you learn that the beings there, although friendly,
emit a foul smell and leave a slippery slime trail as they move about.
You also discover that the next rocket back to Earth doesn't blast off
until the Fourth of July, and a ticket costs $10,000!
Earn and save enough money on the planet Knab in order
to buy your return ticket to Earth on July 4th.
KNAB BLAB: "Escape From Knab - The Movie" requires the Macromedia Shockwave plug-in.
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Ohio State University Extension
Family and Consumer Sciences
1787 Neil Ave. Columbus, Ohio 43210
This information has been replaced by Manage Your Money.
All educational programs conducted by Ohio State University Extension are available to clientele on a nondiscriminatory basis without regard to race, color, creed, religion, sexual orientation, national origin, gender, age, disability or Vietnam-era veteran status.
Keith L. Smith, Associate Vice President for Ag. Adm. and Director, OSU Extension.
TDD No. 800-589-8292 (Ohio only) or 614-292-1868
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BUDGET HELP
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Who is this site for?
Budgeting Heaven
Step 1 form (Household Budgeting)
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Step 3 form (Creditor Listing)
Step 5 form (putting it all together)
So you were short?
Making Budget Cuts
Setting Priorities
Living on the Cheap
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North Dakota State University
NDSU Extension Service
Taking Charge of FamiIy Finances
Managing Farm Family Finances
HE-452, February 1990
Debra Pankow
Family Financial Management Specialist
Do you find it difficult to know how much to spend each month for family living needs? Many farm families do. For most farmers, income is both irregular and unpredictable. Although living standards on the farm have become more and more comparable to those of nonfarm families, there are s ...
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This worksheet allows you to help your parents determine their total ...
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