Step 1a
Fill out the pay period in box A. This is simply
how long you’ll go between paychecks. If you
get paid on the 1st and 15th, then your pay period
for July, for example, would be 7/1 to 7/14.
Step 1b
Write how much you will be paid in that
pay period (B).
Step 2
Write down how much money you’re budgeting
in the Budgeted column (
C). In the Remaining
column (
D), keep a running total of how much
of your starting income you have left for that
pay period.
Step 3
Keep going down the list until the “Remaining”
column (
E) hits zero. When “Remaining” equals
zero, you’re done budgeting for that pay period.
Step 4
If you have money left over at the end of the
column (
F), go back and adjust an area, such
as savings or giving, so that you spend every
single dollar. Every dollar needs a home.
Life pulls your money in all directions. Spend time here before spending your cash.
Allocation is a fancy word for “when you spend your money.” We’re going to build on your Monthly
Cash Flow Plan here and get a little more in depth by breaking your income down by pay period.
The four columns on this form represent the four weeks in a given month. If you’re married,
combine your spouse’s income with yours.
Allocated Spending Plan
Don’t let this one scare you. Managing your money week to week happens here!
Pay Period Dates
Pay Period Income
TO
B
A
Allocated Spending Plan
Don’t let this one scare you. Managing your money week to week happens here!
Pay Period Dates Pay Period Dates
Pay Period Income
CHARITY
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Tithes
|
|
|
|
Charity & O erings
|
|
|
|
SAVING
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Emergency Fund
|
|
|
|
Retirement Fund
|
|
|
|
College Fund
|
|
|
|
HOUSING
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
First Mortgage/Rent
|
|
|
|
Second Mortgage
|
|
|
|
Real Estate Taxes
|
|
|
|
Repairs/Maint.
|
|
|
|
Association Dues
|
|
|
|
Other
_______________
|
|
|
|
UTILITIES
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Electricity
|
|
|
|
Gas
|
|
|
|
Water
|
|
|
|
Trash
|
|
|
|
Phone/Mobile
|
|
|
|
Internet
|
|
|
|
Cable
|
|
|
|
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
TO TOTO TOTO TOTO TO
FOOD
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Groceries
|
|
|
|
Restaurants
|
|
|
|
CLOTHING
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Adults
|
|
|
|
Children
|
|
|
|
Cleaning/Laundry
|
|
|
|
TRANSPORTATION
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Gas and Oil
|
|
|
|
Repairs and Tires
|
|
|
|
License and Taxes
|
|
|
|
Car Replacement
|
|
|
|
Other
_______________
|
|
|
|
Other
_______________
|
|
|
|
MEDICAL/HEALTH
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Medications
|
|
|
|
Doctor Bills
|
|
|
|
Dentist
|
|
|
|
Optometrist
|
|
|
|
Vitamins
|
|
|
|
Other
_______________
|
|
|
|
Other
_______________
|
|
|
|
Other
_______________
|
|
|
|
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Visit <<URL>> to download extra copies of this form and explore our other online budgeting tools!
Income
_
Tithes
= Remaining to budget
“Remaining” minus “Budgeted.” Back & forth.
this pay period
When “Remaining” equals
zero, you’re done budgeting
for this pay period.
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Visit <<URL>> to download extra copies of this form and explore our other online budgeting tools!
75
9540
20
E
Allocated Spending Plan
Don’t let this one scare you. Managing your money week to week happens here!
Pay Period Dates Pay Period Dates
Pay Period Income
CHARITY
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Tithes
|
|
|
|
Charity & O erings
|
|
|
|
SAVING
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Emergency Fund
|
|
|
|
Retirement Fund
|
|
|
|
College Fund
|
|
|
|
HOUSING
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
First Mortgage/Rent
|
|
|
|
Second Mortgage
|
|
|
|
Real Estate Taxes
|
|
|
|
Repairs/Maint.
|
|
|
|
Association Dues
|
|
|
|
Other
_______________
|
|
|
|
UTILITIES
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Electricity
|
|
|
|
Gas
|
|
|
|
Water
|
|
|
|
Trash
|
|
|
|
Phone/Mobile
|
|
|
|
Internet
|
|
|
|
Cable
|
|
|
|
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
TO TOTO TOTO TOTO TO
FOOD
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Groceries
|
|
|
|
Restaurants
|
|
|
|
CLOTHING
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Adults
|
|
|
|
Children
|
|
|
|
Cleaning/Laundry
|
|
|
|
TRANSPORTATION
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Gas and Oil
|
|
|
|
Repairs and Tires
|
|
|
|
License and Taxes
|
|
|
|
Car Replacement
|
|
|
|
Other
_______________
|
|
|
|
Other
_______________
|
|
|
|
MEDICAL/HEALTH
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Medications
|
|
|
|
Doctor Bills
|
|
|
|
Dentist
|
|
|
|
Optometrist
|
|
|
|
Vitamins
|
|
|
|
Other
_______________
|
|
|
|
Other
_______________
|
|
|
|
Other
_______________
|
|
|
|
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Visit <<URL>> to download extra copies of this form and explore our other online budgeting tools!
Income
_
Tithes
= Remaining to budget
“Remaining” minus “Budgeted.” Back & forth.
this pay period
When “Remaining” equals
zero, you’re done budgeting
for this pay period.
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Visit <<URL>> to download extra copies of this form and explore our other online budgeting tools!
0
3540
Final cable bill
Florist bill
35
F
D
Allocated Spending Plan
Don’t let this one scare you. Managing your money week to week happens here!
Pay Period Dates Pay Period Dates
Pay Period Income
CHARITY
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Tithes
|
|
|
|
Charity & O erings
|
|
|
|
SAVING
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Emergency Fund
|
|
|
|
Retirement Fund
|
|
|
|
College Fund
|
|
|
|
HOUSING
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
First Mortgage/Rent
|
|
|
|
Second Mortgage
|
|
|
|
Real Estate Taxes
|
|
|
|
Repairs/Maint.
|
|
|
|
Association Dues
|
|
|
|
Other
_______________
|
|
|
|
UTILITIES
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Electricity
|
|
|
|
Gas
|
|
|
|
Water
|
|
|
|
Trash
|
|
|
|
Phone/Mobile
|
|
|
|
Internet
|
|
|
|
Cable
|
|
|
|
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
TO TOTO TOTO TOTO TO
FOOD
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Groceries
|
|
|
|
Restaurants
|
|
|
|
CLOTHING
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Adults
|
|
|
|
Children
|
|
|
|
Cleaning/Laundry
|
|
|
|
TRANSPORTATION
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Gas and Oil
|
|
|
|
Repairs and Tires
|
|
|
|
License and Taxes
|
|
|
|
Car Replacement
|
|
|
|
Other
_______________
|
|
|
|
Other
_______________
|
|
|
|
MEDICAL/HEALTH
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Medications
|
|
|
|
Doctor Bills
|
|
|
|
Dentist
|
|
|
|
Optometrist
|
|
|
|
Vitamins
|
|
|
|
Other
_______________
|
|
|
|
Other
_______________
|
|
|
|
Other
_______________
|
|
|
|
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Visit <<URL>> to download extra copies of this form and explore our other online budgeting tools!
Income
_
Tithes
= Remaining to budget
“Remaining” minus “Budgeted.” Back & forth.
this pay period
When “Remaining” equals
zero, you’re done budgeting
for this pay period.
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Visit <<URL>> to download extra copies of this form and explore our other online budgeting tools!
C
945
285
150 135
Pay Period Dates
Pay Period Income
CHARITY
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Tithes
|
|
|
|
Charity & O erings
|
|
|
|
SAVING
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Emergency Fund
|
|
|
|
Retirement Fund
|
|
|
|
College Fund
|
|
|
|
HOUSING
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
First Mortgage/Rent
|
|
|
|
Second Mortgage
|
|
|
|
Real Estate Taxes
|
|
|
|
Repairs/Maint.
|
|
|
|
Association Dues
|
|
|
|
Other
_______________
|
|
|
|
UTILITIES
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Electricity
|
|
|
|
Gas
|
|
|
|
Water
|
|
|
|
Trash
|
|
|
|
Phone/Mobile
|
|
|
|
Internet
|
|
|
|
Cable
|
|
|
|
Other
_______________
|
|
|
|
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
TOTOTOTO
Allocated Spending Plan
Don’t let this one scare you. Managing your money week to week happens here!
Income
_
Tithes
= Remaining to budget
“Remaining” minus “Budgeted.” Back & forth.
this pay period
Sign in to FPU Central at daveramsey.com to download this form and explore our other online budgeting tools!
Pay Period Dates
Pay Period Income
CHARITY
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Tithes
|
|
|
|
Charity & O erings
|
|
|
|
SAVING
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Emergency Fund
|
|
|
|
Retirement Fund
|
|
|
|
College Fund
|
|
|
|
HOUSING
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
First Mortgage/Rent
|
|
|
|
Second Mortgage
|
|
|
|
Real Estate Taxes
|
|
|
|
Repairs/Maint.
|
|
|
|
Association Dues
|
|
|
|
Other
_______________
|
|
|
|
UTILITIES
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Electricity
|
|
|
|
Gas
|
|
|
|
Water
|
|
|
|
Trash
|
|
|
|
Phone/Mobile
|
|
|
|
Internet
|
|
|
|
Cable
|
|
|
|
Other
_______________
|
|
|
|
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
TOTOTOTO
Allocated Spending Plan
Don’t let this one scare you. Managing your money week to week happens here!
Income
_
Tithes
= Remaining to budget
“Remaining” minus “Budgeted.” Back & forth.
this pay period
Pay Period Dates
TOTOTOTO
FOOD
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Groceries
|
|
|
|
Restaurants
|
|
|
|
CLOTHING
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Adults
|
|
|
|
Children
|
|
|
|
Cleaning/Laundry
|
|
|
|
TRANSPORTATION
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Gas and Oil
|
|
|
|
Repairs and Tires
|
|
|
|
License and Taxes
|
|
|
|
Car Replacement
|
|
|
|
Other
_______________
|
|
|
|
Other
_______________
|
|
|
|
MEDICAL/HEALTH
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Medications
|
|
|
|
Doctor Bills
|
|
|
|
Dentist
|
|
|
|
Optometrist
|
|
|
|
Vitamins
|
|
|
|
Other
_______________
|
|
|
|
Other
_______________
|
|
|
|
Other
_______________
|
|
|
|
Other
_______________
|
|
|
|
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
When “Remaining” equals
zero, you’re done budgeting
for this pay period.
Sign in to FPU Central at daveramsey.com to download this form and explore our other online budgeting tools!
Allocated Spending Plan
Don’t let this one scare you. Managing your money week to week happens here!
INSURANCE
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Life Insurance
|
|
|
|
Health Insurance
|
|
|
|
Homeowner/Renter
|
|
|
|
Auto Insurance
|
|
|
|
Disability Insurance
|
|
|
|
Identity Theft
|
|
|
|
Long-Term Care
|
|
|
|
PERSONAL
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Child Care/Sitter
|
|
|
|
Toiletries
|
|
|
|
Cosmetics
|
|
|
|
Education/Tuition
|
|
|
|
Books/Supplies
|
|
|
|
Child Support
|
|
|
|
Alimony
|
|
|
|
Subscriptions
|
|
|
|
Org. Dues
|
|
|
|
Gifts
(inc. Christmas)
|
|
|
|
Replace Furniture
|
|
|
|
Pocket Money (His)
|
|
|
|
Pocket Money (Hers)
|
|
|
|
Baby Supplies
|
|
|
|
Pet Supplies
|
|
|
|
Music/Technology
|
|
|
|
Miscellaneous
|
|
|
|
Other _______________
|
|
|
|
Other _______________
|
|
|
|
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Pay Period Dates
TOTOTOTO
Sign in to FPU Central at daveramsey.com to download this form and explore our other online budgeting tools!
Allocated Spending Plan
Don’t let this one scare you. Managing your money week to week happens here!
INSURANCE
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Life Insurance
|
|
|
|
Health Insurance
|
|
|
|
Homeowner/Renter
|
|
|
|
Auto Insurance
|
|
|
|
Disability Insurance
|
|
|
|
Identity Theft
|
|
|
|
Long-Term Care
|
|
|
|
PERSONAL
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Child Care/Sitter
|
|
|
|
Toiletries
|
|
|
|
Cosmetics
|
|
|
|
Education/Tuition
|
|
|
|
Books/Supplies
|
|
|
|
Child Support
|
|
|
|
Alimony
|
|
|
|
Subscriptions
|
|
|
|
Org. Dues
|
|
|
|
Gifts
(inc. Christmas)
|
|
|
|
Replace Furniture
|
|
|
|
Pocket Money (His)
|
|
|
|
Pocket Money (Hers)
|
|
|
|
Baby Supplies
|
|
|
|
Pet Supplies
|
|
|
|
Music/Technology
|
|
|
|
Miscellaneous
|
|
|
|
Other _______________
|
|
|
|
Other _______________
|
|
|
|
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Pay Period Dates
TOTOTOTO
Pay Period Dates
TOTOTOTO
RECREATION
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Entertainment
|
|
|
|
Vacation
|
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DEBTS
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Remaining
Budgeted
Car Payment 1
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Car Payment 2
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Credit Card 1 _______
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Credit Card 2 _______
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Credit Card 3 _______
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Credit Card 4 _______
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Credit Card 5 _______
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Student Loan 1
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Student Loan 2
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Student Loan 3
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Student Loan 4
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Other _______________
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Other _______________
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Other _______________
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Other _______________
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Other _______________
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Other _______________
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Other _______________
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Other _______________
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Other _______________
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Other _______________
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Other _______________
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Other _______________
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Other _______________
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Food Transportation Charity Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
Food Transportation Charity
Reality Check
Personal Insurance Debt Envelope
Housing Medical Recreation Savings Clothing Utilities Envelope
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