Budgeting Worksheets


 

This publication has a lot of information to help individuals take charge of their retirement planning. Written for workers who are 10 to 15 years from retirement, it will help you calculate your income, savings and likely expenses in retirement to get a better idea of whether you are on track. The publication provides tips to help you close any savings gap and to make your money last through your retirement. The online worksheets do the calculations for you. For the Spanish publication click here.


Agency: U.S. Department of Labor


This report identifies patterns of investor behavior, including common investing mistakes, based on a comprehensive review of academic journal articles by the Library of Congress. Learn how to understand and avoid investing behaviors that can undermine investment performance, such as trading frequently, underdiversifying, and focusing on past performance.


Agency: Securities and Exchange Commission


The budget box is a small box with dividers for each day of the month, with one divider for each day of the month.


Agency: Federal Deposit Insurance Corporation


This tool is useful if you pay your bills in cash each month.


Agency: Federal Deposit Insurance Corporation


Use this budgeting tool to track where your money is going. You are far more likely to save your money when you see how much small, miscellaneous purchases, such as coffee and soda, can add up.


Agency: Federal Deposit Insurance Corporation


The Monthly Payment Calendar is another way to help you keep a record of your bill payments and due dates. This tool—in particular—can help you anticipate and plan for expenses and savings.


Agency: Federal Deposit Insurance Corporation


Monthly Payment Schedule can help you record and keep track of your payments based on date and amount due.


Agency: Federal Deposit Insurance Corporation


Knowing what expenses are flexible and what expenses are fixed is the first step to successfully managing your personal finances. This worksheet will help you to decide where you can be flexible each month.


Agency: Federal Deposit Insurance Corporation


When shopping around for a Home Equity loan, it is important to consider several factors before taking out a loan. The Office of the Comptroller of the Currency has developed this worksheet to help you find the best deal by asking the appropriate questions and comparing answers from multiple lenders.

Audience: 
Bank Customers, Homeowners

Agency: Office of the Comptroller of the Currency


Prepare a Spending Plan: Also known as a budget, a spending plan is a written "best estimate" of the cost of future spending and saving. Ideally, a spending plan should balance income and expenses, including regular savings for future financial goals. Worksheets for creating a spending plan can be downloaded from the Rutgers Cooperative Extension Web site. To download a "paper and pencil" worksheet, Click here . To download a spending plan spreadsheet, Click here

Audience: 
Youth, economically-vulnerable individuals and families

Agency: Department of Agriculture