![]() ![]() ![]() Utilities (water, electricity, heating costs).Remember to account for occasional expenses, such as vacations (take the typical annual amount you spend on trips and divide that number by 12 to get a monthly average). If you have trouble defining your expenses, review statements and keep receipts for everything you spend, including automatic bill payments, for a few months. List all your expenses for a typical month, dividing them into major categories. Interest from a savings account or investment earningsĪdd up the total (our Budget Template tallies it automatically).Employment insurance or other government benefits.List all of the money you and your spouse or partner have coming in. Making a budget is simpler than you might think - just follow these steps, and use our household Budget Template to make it even easier. A household budget can really help you manage your money and be a better saver. ![]()
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