![]() ![]() Include public transportation and taxis or ride-sharing as well. Transportation: Vehicle payments, insurance and maintenance as well as recurring costs like parking, gas and tolls.Include natural gas, electricity, water, sewage and other utilities, as well as phone, cable and internet bills. Housing and utilities: Mortgage or rent payments, property tax, household insurance and maintenance or repairs.Income: Include all incoming money, such as paychecks, contractor payments, and tips, as well as other sources of income like child support or investments. ![]() While your budget worksheet is unique to your situation, consider the following sections to include when tracking your finances: ![]() To make sure the numbers you include are correct and up-to-date, use pay stubs, bank statements, credit card statements, receipts and other documentation. Related: Why Budgeting Is Important What should you include in a budget worksheet? To create a custom budget worksheet, you need records of your income, expenses and savings. Since the typical budget worksheet is divided into categories, it can help you understand where the majority of your spending happens and whether too much of your income is going into categories that aren’t essential. With this simple calculation, you can determine whether you have extra money for savings or whether you need to cut back on expenses.
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