Oh, that is a thing of beauty! Thanks for sharing! Do you set your budget monthly? How far ahead do you plan?
I use credit cards for 99% of my spending, making it easy to see what I spent where.
Honestly I don't and never have 'set a budget'. Instead we work hard to optimize spending habits. It then literally becomes a habit.
Gross Annual Income | $XX,XXX |
Pre-tax 401k/retirement contributions | $XX,XXX |
IRA/retirement contributions | $X,XXX |
Taxes (estimated) | $XX,XXX |
annualized car insurance | $XXX |
Net Annual Income | $XX,XXX |
Net Monthly Income | $X,XXX |
Rent | $XXX |
Utilities | $XXX |
Groceries | $XXX |
cell phone | $XX |
fuel | $XX |
Clothing | $xx |
toothpaste etc | $xx |
travel | $xx |
hobbies | $xx |
idk whatever you spend money on | $xx |
Monthly surplus | $xxx |