Rework Your Budget

Your primary income amount

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The amount of any secondary sources of income such as a spouse's income or income from a second job.

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Include only interest income which can be used to pay for monthly expenses, and exclude interest earned on retirement accounts or other investments.

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Money received from a pension account

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Any other regular income that you can include in your monthly financial outlook.

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Your rent/mortgage allowance should include your total monthly spending on housing including insurance and taxes, etc.

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Include all food-related expenses including cooking supplies. Don't include money spent on eating at restaurants as that should be included in your entertainment budget.

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This amount is your monthly car loan or lease payment. If your car is already paid off, you can enter zero for the amount.

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If your medical insurance isn't deducted from your wages, then you should include it here. In addition, include your average monthly expenditures for prescriptions and other medical-related payments.

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Tuition, books, fees, and any other educational expenses.

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Include other fixed expenses here

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Movies, concerts, sporting events, dining out, streaming services, and any money you spend on entertainment.

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If you don't pay your entire credit card balance every month, enter the amount you pay each month. If you pay your balance each month, enter zero for the amount.

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Day-care fees, after-school programs, babysitting, nannies, or care-giver costs.

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