MONTHLY BUDGET PLANNER
Plan every dollar before the month begins — then track what actually happened
Month
Year
Income Goal: $________  |  Savings Goal: $________  |  Net Worth Goal: $________ Page 1 of 2
INCOME
Job 1 / Primary Wages
$
Job 2 / Part-Time
$
Freelance / Side Hustle
$
Child Support / Benefits
$
Other Income
$
▶ TOTAL MONTHLY INCOME
$
FIXED EXPENSES
Rent / Mortgage
$
Car Payment
$
Car Insurance
$
Health Insurance
$
Phone
$
Internet
$
Streaming / Subscriptions
$
Gym / Memberships
$
Loan Payment 1
$
Loan Payment 2
$
▶ TOTAL FIXED
$
DEBT PAYMENTS
Credit Card 1
$
Credit Card 2
$
Medical Debt
$
Student Loan
$
Other
$
▶ TOTAL DEBT
$
VARIABLE EXPENSES
Category Budget Actual
Groceries
$
$
Gas / Transport
$
$
Restaurants / Takeout
$
$
Coffee / Treats
$
$
Clothing
$
$
Personal Care
$
$
Kids / Pets
$
$
Entertainment
$
$
Gifts / Holidays
$
$
Home / Household
$
$
Medical / Pharmacy
$
$
Misc
$
$
▶ TOTAL VARIABLE
$
$
SAVINGS & INVESTMENTS
Emergency Fund
$
Sinking Fund: ___________
$
Sinking Fund: ___________
$
Retirement / 401k
$
Investments
$
▶ TOTAL SAVED
$
"Clarity about your money creates freedom in your life." 🌿
📝 This Month's Financial Goals
Total Income
$
Total Fixed
$
Total Variable
$
Total Saved
$
Left Over ✓
$
Free Printable — Print as many copies as you need 🌿 SpendWiseCents.com
WEEKLY SPENDING LOG
Track daily spending below — total each week to spot patterns early
Month
Year
Write in each day's total spending — review weekly totals to catch overspending before month's end Page 2 of 2
WEEK 1
Mon
Tue
Wed
Thu
Fri
Sat
Sun
Total
WEEK 2
Mon
Tue
Wed
Thu
Fri
Sat
Sun
Total
WEEK 3
Mon
Tue
Wed
Thu
Fri
Sat
Sun
Total
WEEK 4
Mon
Tue
Wed
Thu
Fri
Sat
Sun
Total
📋 This month I want to:
MONTHLY SPENDING SUMMARY
Top Spending Categories Amount % of Income
1.
$
2.
$
3.
$
4.
$
5.
$
🌱 Habits I'm Building This Month
Checked my balance before spending
Logged every purchase as it happened
Packed lunch / made coffee at home
Waited 24 hours before a non-essential buy
Moved money to savings on payday
_______________________________
✅ This month I'm proud of:
🚀 Next month I will:
"You are building a life you love, one budget at a time." 🌿
Free Printable — Print as many copies as you need 🌿 SpendWiseCents.com