Savings: emergency fund, RRSPs, RESPs, TFSAs, seasonal expenses (e.g. Personal: tobacco, alcohol, books, music, clothing and shoes, donations, subscriptionsĮating Out: meals, snacks, take-out, beverages (coffee, tea, juice, soft drinks)Įntertainment: recreation, sports equipment and fees, movies, concerts, hobbies, gamingĬhild: daycare, lessons and activities, allowance, school supplies and fees, babysitting, programs, tutorsĭebt Payments: credit cards, loans, leases, support payments, government debts, personal debt Health Care: medical premiums, life insurance, medication, eye care, dental, supplements, wellness costs Transportation: fuel, auto insurance, transit, parking, taxi, rentals, car sharing, tolls Living: personal care, bank fees, salon and spa services, dry cleaning, pet costs, memberships (fitness, clubs, associations) Groceries: food, baby needs, household supplies, toiletries Don’t forget month-specific expenses (like holidays or seasonal purchases). So, create a new budget every single month. Your budget won’t change too much from month to monthbut no two months are exactly the same. Household: furnace, water tank, roof and gutters, decor, upgrades, storage locker, gardening, cleaning services, outdoor equipment and maintenance Make a new budget (before the month begins). Utilities: phone/cell, cable/internet, gas, hydro, security Housing: mortgage, rent, strata fees, house insurance, property taxes View a sample of a completed tracker (from the previous version of our Monthly Expenses Tracker).Įxpense Categories – Know Where Your Money is Going The Annual Personal Budget Template by Spreadsheet Daddy is a template that should assist you in planning better for the year ahead. This becomes the cash balance for the next week. If there’s a surplus, you should have money in your wallet or bank account. Total all columns and subtract actual expenses from actual income.On these pages, keep track of seasonal expenses rather than recording on your weekly pages. You also need to record weekly savings amounts on pages 14 – 15 of the Expense Tracker.You may want to track coffees, dining out, or fuel separately. You can then use the blank columns to create your own categories.
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