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Four Walls-food, utilities, housing and transportation.When it comes to all the monthly spending you need to plan for, you’ll see the budget worksheet goes in this order: Now that you’ve planned for what’s coming in, you need to plan for what’s going out: your giving, saving (depending on what Baby Step you’re on), and spending. Now you know how much money you have to work with this month. Now, add it all up and write in your total. (We’ve got a special irregular income budget template if you need it.) You can adjust later in the month if you make more. If you’ve got an irregular income, take a look at what you’ve made the last few months and list the lowest amount as this month’s planned income budget line.
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If you’re married, list out all the income for both of you.
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