Budget Worksheet

The worksheet below will automatically calculate your total expense based on the values
you enter. If you are new to budgeting, learn more about creating a budget.

  Budget Actual
Income
Job (net pay)
Other
TOTAL Income
FIXED EXPENSES
Rent
Debt Repayment (loans etc.)
Tuition
Insurance
SUBTOTAL 1
SAVINGS
Savings for Goals
Emergency Savings
SUBTOTAL 2
FLEXIBLE EXPENSES
Utilities
Food
Clothing
Transportation
Entertainment
Other
SUBTOTAL 3
Add subtotals 1, 2 & 3 and record below
TOTAL Expense

Compare your total expense to your income. If your budget shows that more money is spent than you earn, adjust your plan by reducing flexible expenses. Savings targets can be reduced by extending goal deadlines. Remember to check your actual expenses monthly to help you stay on target.

    © 2014 Hudson Valley Federal Credit Union

    159 Barnegat Rd. Poughkeepsie, NY 12601
    ph: 845.463.3011 / 800.468.3011

    Routing Number : 221979363