PAYCHECK 1 BUDGET
Track every dollar from Paycheck 1 — give each one a job
Month
Pay Period
Pay Date: _______________ | Paycheck Amount: $_______________
Page 1 of 3
INCOME
Primary Job / Wages
$
Side Income / Freelance
$
Child Support / Benefits
$
Other Income
$
▶ TOTAL INCOME
$
FIXED EXPENSES
Rent / Mortgage
$
Car Payment
$
Car Insurance
$
Health Insurance
$
Phone Bill
$
Internet
$
Streaming / Subscriptions
$
Loan / Debt Payment
$
▶ TOTAL FIXED
$
DEBT MINIMUMS
Credit Card 1
$
Credit Card 2
$
Student Loan
$
Other
$
▶ TOTAL DEBT
$
VARIABLE SPENDING
Groceries
$
Gas / Transport
$
Eating Out / Coffee
$
Personal Care / Beauty
$
Kids / School / Activities
$
Entertainment / Fun
$
Clothing / Shopping
$
Medical / Copays
$
Household / Cleaning
$
Pet Care
$
Gifts / Donations
$
Other
$
▶ TOTAL VARIABLE
$
SAVINGS & GOALS
Emergency Fund
$
Sinking Fund: ___________
$
Sinking Fund: ___________
$
Retirement / Investments
$
Other Savings Goal
$
▶ TOTAL SAVED
$
"Every dollar you give a job is a step toward the life you want." 🌿
📝 Notes & Reminders for This Paycheck
Total Income
$
Total Expenses
$
Total Saved
$
Left Over ✓
$
✓ BILLS DUE THIS PAYCHECK — CHECK OFF AS YOU PAY
Rent / Mortgage
Car Payment
Insurance
Phone
Internet / Utilities
Credit Card
Subscriptions
Loan Payment
PAYCHECK 2 BUDGET
Track every dollar from Paycheck 2 — give each one a job
Month
Pay Period
Pay Date: _______________ | Paycheck Amount: $_______________
Page 2 of 3
INCOME
Primary Job / Wages
$
Side Income / Freelance
$
Child Support / Benefits
$
Other Income
$
▶ TOTAL INCOME
$
FIXED EXPENSES
Rent / Mortgage
$
Car Payment
$
Car Insurance
$
Health Insurance
$
Phone Bill
$
Internet
$
Streaming / Subscriptions
$
Loan / Debt Payment
$
▶ TOTAL FIXED
$
DEBT MINIMUMS
Credit Card 1
$
Credit Card 2
$
Student Loan
$
Other
$
▶ TOTAL DEBT
$
VARIABLE SPENDING
Groceries
$
Gas / Transport
$
Eating Out / Coffee
$
Personal Care / Beauty
$
Kids / School / Activities
$
Entertainment / Fun
$
Clothing / Shopping
$
Medical / Copays
$
Household / Cleaning
$
Pet Care
$
Gifts / Donations
$
Other
$
▶ TOTAL VARIABLE
$
SAVINGS & GOALS
Emergency Fund
$
Sinking Fund: ___________
$
Sinking Fund: ___________
$
Retirement / Investments
$
Other Savings Goal
$
▶ TOTAL SAVED
$
"Small consistent actions create extraordinary results." 🌿
📝 Notes & Reminders for This Paycheck
Total Income
$
Total Expenses
$
Total Saved
$
Left Over ✓
$
✓ BILLS DUE THIS PAYCHECK — CHECK OFF AS YOU PAY
Rent / Mortgage
Car Payment
Insurance
Phone
Internet / Utilities
Credit Card
Subscriptions
Loan Payment
MONTH-END SUMMARY
Combine both paychecks below for your complete monthly picture
Month
Year
Review your full month — celebrate what worked and plan what's next
Page 3 of 3
INCOME SUMMARY
Paycheck 1 Income
$
Paycheck 2 Income
$
Extra / Bonus Income
$
▶ TOTAL INCOME THIS MONTH
$
EXPENSE SUMMARY
Total Fixed (both checks)
$
Total Variable (both checks)
$
Total Debt (both checks)
$
▶ TOTAL EXPENSES
$
Monthly Income
$
Monthly Expenses
$
Total Saved
$
Net Left Over
$
Category
Budgeted
Actual
+/−
Groceries
Gas / Transport
Eating Out
Personal Care
Entertainment
Clothing / Shopping
Kids / School
Other
SAVINGS GOAL PROGRESS — SAVED SO FAR vs. TARGET
Emergency Fund
$
/
$
Sinking Fund
$
/
$
Other Goal
$
/
$
✅ What went well this month?
🎯 Next month I will improve...
"Progress over perfection — every step forward counts." 🌿