MY BUDGET PLAN
Low Income Budget Worksheet
Month
Take-Home Income
Every dollar has a job — even on a tight income 🌿
Free Printable
Category
Example ($2,000/mo)
My Budget
💰 INCOME
Take-Home Pay
$2,000
$
Other Income
$0
$
▶ Total Income
$2,000
$
🏠 HOUSING
Rent / Mortgage
$800
$
Utilities (Electric, Gas, Water)
$120
$
🛒 FOOD
Groceries
$250
$
Eating Out / Takeout
$50
$
🚗 TRANSPORTATION
Gas
$80
$
Car Insurance
$100
$
👤 PERSONAL & LIFE
Phone
$60
$
Personal Care
$40
$
Clothing
$30
$
Kids / Pets
$0
$
Entertainment
$20
$
🏦 SAVINGS
Emergency Fund
$50
$
Other Savings
$0
$
📉 DEBT PAYMENTS
Minimum Payments
$200
$
Extra Payment
$50
$
Total Expenses
$1,850
$
⭐ LEFT OVER
$150
$
Not enough left over? Start with housing → food → utilities. Everything else is negotiable.
🛡️ When Money Is Tight, Cover These First
1
Housing
— keep a roof over your head
2
Utilities
— electric, gas, water stay on
3
Food
— groceries for you and your family
4
Transportation
— getting to work or school
5
Minimum Debt Payments
— protect your credit
🤝 Free Help Worth Checking
SNAP
— food assistance · fns.usda.gov/snap
WIC
— food & nutrition for moms & kids
LIHEAP
— help with heating & cooling bills
Dial 211
— local food, rent & bill help · 211.org
Benefits.gov
— see programs you may qualify for
Notes & Reminders
"You don't need a big income to have a big plan." 🌿