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Monthly Expenses - Budget

Monthly Expenses - Actual

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Tap and swipe left/right to complete the table below.

Monthly Expenses

Budget Actual Difference

Housing

 
Mortgage/Rent
Utilities (heat/hydro/water)
Property Taxes
Condominium Fees
Home Mortgage Insurance
Maintenance/Repairs
Telephone (landline/Cell)
Cable Television
Internet Services
Investment Property (mrtg/taxes/maintenance)
Other
Housing Total
 

Transportation

 
Car Payment (loan/lease)
Vehicle Insurance
License/Registration
Maintenance (gas/repairs/tires)
Parking/Taxi/Transit
Other
Transportation Total
 

Living Expenses

 
Groceries
Child care expenses
Personal Care (haircuts etc)
Clothing (purchase/drycleaning)
Alcohol/Tobacco
Other
Living Expenses Total
 

Entertainment

 
Dining Out
Movies/Theatre
Subscriptions (newspaper/mags)
Membership Dues (Fitness/Recreation)
Sports/Hobbies
Travel/Vacation
Vacation property (mrtg/taxes/fees)
Other
Entertainment Total
 

Family

 
Child care & Babysitting
Activities/Lessons
Child Support / Alimony Payments
Dependant/Long Term Care costs
Other
Family Total
 

Health and Insurances

 
Health Insurance 
Life Insurance
Disability/Critical Illness/LongTermCare
Prescription/Non-Prescription drugs
Health Professional Fees (dental, chiro, physio etc)
Other
Health and Insurances Total
 

Debt Servicing

 
Credit Cards
Line of Credit
Loans (business/student/personal)
Other
Debt Servicing Total
 

Education 

 
Tuition Fees
Accomodations
Books/Supplies
Other  
Education Total
 

Savings

 
Savings/emergency funds
RRSP contributions
Education Savings
Tax Free Savings
Other Investments (Non-Reg/Group etc)
Savings Total
 

Miscellaneous

 
Income Tax
Gifts
Donations
Pet Care
Professional Services (accounting etc)
Other
Miscellaneous Total
     

TOTAL EXPENSES

       
       

Monthly Income

     
Emloyment Income (salary/commission)
Bonusing
Pension Income
Government Benefits
Child Support / Alimony
Rental Income
Other Income
       

TOTAL INCOME

Rushing out the door in the morning? - That caffeine fix at the drive thru could be costing you over $350 a year ... and that's not counting the occassional breakfast sandwich

Pick a card … any card - Cut up all but one of your credit cards and be sure to pay off the balance in full each month.

Budget for vacation and hobbies as you do with other expenses

You could be throwing away free money if you do not participate in your company matching RRSP program.  That’s like saying no to a 2% raise!

Contributing to an RRSP is a great way to reduce your current tax burden while preparing for retirement

Cost saving coupons - The internet is full of specials and discounts ~ Take advantage

339 Huronia Road • Barrie, ON L4N 8Z1 • Phone: (705) 725-0562 • Email: spectrum@spectrumfinancial.ca

Mutual Funds and Segregated Funds provided by the Fund Companies are offered through Worldsource Financial Management Inc. Other Products and Services are offered through Spectrum Financial Strategies

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