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Budgeting Made Easy:

What You Need to Know

Discretionary Expenses Worksheet

Discretionary expenses are items that are not necessary for survival. After you have tracked your spending for a month, put the total amount spent for each category in the Current Payment field.

When you have finished recording your current payments for all of the categories, go back and determine if you need to adjust the amount spent. If your expense-to-income-ratio is out of balance and you are spending more money than you earn, items from this category should be eliminated or cut back first.

In the Adjusted to Balance Income field put amount to be spent on the category next month.

Monthly
Expenses		 Current
Expenditure		 Adjusted to
Balance Income
Entertainment/Recreation    
Movies/Plays    
Dining Out    
Sporting Events    
Magazines/Newspapers    
Barber/Beauty Salon    
Hobbies    
Fund Raisers/Organization Dues    
Other    
Other    
Other    
Total    


 


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