Fillable Printable Daily Expenditure Tracking Sheet
Fillable Printable Daily Expenditure Tracking Sheet
Daily Expenditure Tracking Sheet
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U N D E R S T A N D I N G M O N E Y A N D C R E D I T R E F E R E N C E G U I D E
DAILY EXPENDITURES
TRACKING SHEETS
EXPENSE WORKSHEET
INCOME WORKSHEET
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C R E D I T R
E F E R E N C E
G
U I D E
INSERT
SECTION
Record Of Daily Expenditures
MONTH YEAR
DIRECTIONS
Gather information about how your money was spent during the past month from your checkbook register, receipts, credit card bills, C
online statements, and any other financial records you have. This will help you get the most accurate information.
If you do not have complete financial records for the past month, begin recording all expenditures for the next several weeks on the
C
Money Tracking Sheet and the Credit Card Tracking Sheet.
Date 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 1st Half Total
Fixed
Savings
Variable
Food at Home
Meals on Job
School Lunches
Dinner Out
Electricity
Gas/Heating
Water/Sewage/Garbage
Telephone
Clothing
Uniforms
Cleaning and Laundry
Home Cleaning Supplies
Gas/Oil/Lube
Bus Fares/Ride Share
Child Care
Grooming
Books/Newspaper/
Magazines
Movies/Sporting Events
Parties/Clubbing/
Beverages
Cigarettes/Tobacco/
Alcohol
Baby Sitter
Hobbies
Books, CDs, DVDs
Doctor & Hospital
Dentist
Medicine
Periodic Expenses
Total
M O N E Y M A N A G E M E N T I N T E R N A T I O N A L | C O N S U M E R C R E D I T C O U N S E L I N G S E R V I C E S
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Transfer these daily totals to the Record of Daily Expenditures (DE). C
Complete the Expense Worksheet after you have at least 30 days of expenditure information.C
Record Of Daily Expenditures
MONTH YEAR
Date 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Total for Month
Fixed
Savings
Variable
Food at Home
Meals on Job
School Lunches
Dinner Out
Electricity
Gas/Heating
Water/Sewage/Garbage
Telephone
Clothing
Uniforms
Cleaning and Laundry
Home Cleaning Supplies
Gas/Oil/Lube
Bus Fares/Ride Share
Child Care
Grooming
Books/Newspaper/
Magazines
Movies/Sporting Events
Parties/Clubbing/
Beverages
Cigarettes/Tobacco/
Alcohol
Baby Sitter
Hobbies
Books, CDs, DVDs
Doctor & Hospital
Dentist
Medicine
Periodic Expenses
Total
U N D E R S T A N D I N G M O N E Y A N D C R E D I T R E F E R E N C E G U I D E
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Item Cost
Where did all the money go?
This tracking sheet is a handy tool at the beginning of the budgeting process to identify where money is being spent and after you C
have developed a budget to help monitor expenses.
Make a photocopy of this page and carry it with you to record out-of-pocket expenses.C
Money Tracking Sheets
Item Cost
Lunch money for kids $ 5.50
Soda at work 75¢
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M O N E Y M A N A G E M E N T I N T E R N A T I O N A L | C O N S U M E R C R E D I T C O U N S E L I N G S E R V I C E S
How much do I owe?
Using this tracking sheet is the first step in taking control of your money.C
Make a photocopy of this page and carry it with you to record every credit card charge for the next few weeks.C
Credit Card Tracking Sheets
Item Charge Item Charge
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U N D E R S T A N D I N G M O N E Y A N D C R E D I T R E F E R E N C E G U I D E
Expense Worksheet
From Record
of DE
Adjusted
1st Month 2nd Month 3rd Month 4th Month 5th Month
Budget Actual Budget Actual Budget Actual Budget Actual Budget Actual
FIXED
Rent or Mortgage Payment
Home Equity/2nd Mortgage
Life/Health
Home/Renter's Insurance
Auto Insurance
Child Support
Charitable/Worship Donations
Monthly Debt Payments
Emergency Fund Savings
Savings for Goals
Total Fixed Expenses
VARIABLE
Food at Home (Groceries)
Meals & Snacks on Job
School Lunches
Meals Out
Electricity
Gas/Heating
Water/Sewer/Garbage
Phone/Long Distance/Cellular
Cable/Satellite
Internet Charges
Gasoline
Bus Fares/Parking/Tolls
Clothing
Uniforms
Dry Cleaning/Laundromat
Cleaning Supplies
Grooming & Personal Items
Children's Allowance
Baby Sitter
School/Tuition/Activities
Cigarettes/Tobacco/Alcohol
Recreation
Books/Newspapers/Magazines
Video/Book/DVD
Hobbies/Lessons
Doctor Visits
Dentist
Medicine
Bank Charge/ATM
Postage
Total Variable Expenses
PERIODIC
Back to School
Car Repairs/Tires
Tags/Inspection
Gifts - Holiday
Appliance Repair
Home Maintenance/Repair
Total Periodic Expenses
TOTAL MONTHLY EXPENSES
MONTHLY NET INCOME
SURPLUS/DEFICIT
INSTRUCTIONS
V Examine the first column, “From Record of DE” (Daily
Expenditures), and decide if the amounts in each
category are the same as the amounts you plan to
spend during the next 12 months.
V Adjust expenses
that you think may increase or decrease during this year.
Try to anticipate the actual month when purchases will
occur. Fill in the appropriate amount each month in the
Budget column of the Expense Worksheet. V Cross
out categories that do not apply and add new category
names if you need additional lines. V Purchases that
you are planning to make by credit card should be
entered by category name. For example, clothing to be
purchased on a credit card should be listed as Clothing.
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M O N E Y M A N A G E M E N T I N T E R N A T I O N A L | C O N S U M E R C R E D I T C O U N S E L I N G S E R V I C E S
6th Month 7th Month 8th Month 9th Month 10th Month 11th Month 12th Month
Annual Totals
Budget Actual Budget Actual Budget Actual Budget Actual Budget Actual Budget Actual Budget Actual
V
For each goal listed on the Financial Goals
Worksheet (page 11), write the monthly amount you
plan to save in the Budget column. Do not include
goals that you do not plan to save for during the next
12 months. V Total all expenses for one month at
the bottom of the worksheet on the Total Monthly
Expenses line. V Transfer Monthly Net Income
amounts from the Income Worksheet. V Subtract
Expenses from Income and write down the amount of
surplus or deficit for each month. This will give you a
picture of how you plan your cash to flow during the
next 12 months. Some months may be negative. You
may want to revise the plan by shifting spending to
another month so that spending will not be greater
than income.
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U N D E R S T A N D I N G M O N E Y A N D C R E D I T R E F E R E N C E G U I D E
Income Worksheet
STEP Sources of Paychecks
List all sources of regular earned monthly income of all individuals living in the household involved in the family
budget. This should include full-time, part-time, and self-employment income.
STEP Monthly Gross Earned Income
List the amount of monthly income received before deductions for each earner. If you are paid weekly, figure
monthly income by dividing total annual income by 52, and multiplying by 4.33. If you are paid every other
week, figure monthly income by dividing total annual income by 26, and multiplying by 2.16. This amount will
equal an average monthly income.
STEP Deductions
List all monthly deductions from each source of income. Loans owed to an employer and/or credit union should be
listed on the Liabilities section of the Net Worth Statement on page 8 and on the Debt Load Worksheet on page 29.
STEP Monthly Net Earned Income
Subtract all deductions from the monthly gross earned income to arrive at the monthly net earned income.
STEP Other Monthly Income
List monthly income from other sources. Remember, this is income that is received on a regular basis even
though it may not be from employment. Examples: Temporary Assistance to Needy Families, Alimony, Social
Security, Disability Compensation, Industrial Compensations, Annuities, Stock Dividends, Child Support, Rentals,
Royalties, Allotments, Boarders, etc.
STEP Additional Periodic Income
List extra paychecks, bonuses, income tax returns, etc., (divided into monthly amount).
STEP Total All Monthly Net Income From All Sources
Add Steps 4, 5, and 6 together for the total monthly net income. If total net income from all sources is NOT
SUFFICIENT to accomplish your goals, look for ways of revising income and/or the expenses which are deducted
from your pay. Examples: Federal income tax exemptions, insurance coverage, savings, etc.
1
2
3
4
5
6
7
Total Notes
Sources of Paychecks
Monthly Gross Earned Income
Deductions
Federal Income Tax
FICA/Retirement
Medical Insurance
Life Insurance
Dental Insurance
Co. Stock Purchase
Payroll Deduction Saving
Union Dues
Child Support
Other
Monthly Net Earned Income
Other Monthly Income
Additional Periodic Income
Total All Monthly
Net Income
1
2
3
4
5
6
7
Paycheck 1 Paycheck 2 Paycheck 3 Paycheck 4
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M O N E Y M A N A G E M E N T I N T E R N A T I O N A L | C O N S U M E R C R E D I T C O U N S E L I N G S E R V I C E S
