Monthly Spending Planner

Monthly Guideline
Jan Feb March April May June July Aug Sept Oct Nov Dec Year

INCOME
Wages / Pension 0.00
Secondary income 0.00
Child tax credit 0.00
Child care allowance 0.00
Support payments 0.00
Interest / Dividends 0.00
Other 0.00
Other 0.00
Income totals 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

EXPENSES
Savings
Savings for seasonal exp. 0.00
Long–term savings 0.00
Retirement (RRSP) / TFSA 0.00
Investment savings 0.00
RESP 0.00
Bonds 0.00
Income tax (additional) 0.00
Other 0.00
Savings totals 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Payment Obligations
Credit card 0.00
Credit card 0.00
Credit card 0.00
Credit card 0.00
Loan 0.00
Loan 0.00
Vehicle lease 0.00
Line of credit 0.00
Child / Spousal support 0.00
Student loans 0.00
Other 0.00
Other 0.00
Payment obligation totals 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Insurance
Life insurance 0.00
Disability insurance 0.00
Extended health insurance 0.00
Other 0.00
Insurance totals 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Housing
Mortgage 0.00
Second mortgage / Home line of credit 0.00
Mortgage insurance 0.00
Strata fees 0.00
Pad rent 0.00
Property taxes 0.00
Rent 0.00
Storage locker 0.00
Home security 0.00
Home insurance 0.00
Other 0.00
Housing totals 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Utilities
Hydro 0.00
Natural gas 0.00
Alternate heating source 0.00
Water, sewer, garbage 0.00
Cable / Netflix / Stream services 0.00
Home telephone 0.00
Mobile Phone 0.00
Mobile Phone 2 0.00
Internet 0.00
Other 0.00
 Monthly Guideline
Jan Feb March April May June July Aug Sept Oct Nov Dec Year
Utilities totals 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Household
Home repairs 0.00
Home improvements 0.00
Gardening supplies 0.00
Linens 0.00
Home décor 0.00
Seasonal décor 0.00
Kitchen gadgets 0.00
Outdoor home/yard supplies 0.00
Landscape/gardening services 0.00
Other 0.00
Housing totals 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Living Costs
Provincial medical (MSP) 0.00
Groceries 0.00
Lunch & coffee breaks 0.00
Laundry/dry cleaning 0.00
Work/professional clothing 0.00
Housecleaning service 0.00
Bank service charges 0.00
Other 0.00
Living costs totals 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Health
Medical treatments 0.00
Dental 0.00
Orthodontics 0.00
Optical 0.00
Prescriptions 0.00
Over-the-counter drugs 0.00
Deductibles/out-of-pocket 0.00
Other 0.00
Health totals 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Transportation
Gas/fuel – vehicle 1 0.00
Insurance – vehicle 1 0.00
Gas/fuel – vehicle 2 0.00
Insurance – vehicle 2 0.00
Parking 0.00
Maintenance 0.00
Repairs 0.00
Car wash/detailing services 0.00
Public transportation 0.00
Taxis / Ride Share 0.00
Bicycle costs 0.00
Other 0.00
Transportation totals 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Children
Daycare 0.00
Babysitting 0.00
Activities 0.00
Lessons 0.00
Sports 0.00
Clothing 0.00
School fees 0.00
School supplies 0.00
School fundraisers 0.00
Other 0.00
Children totals 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Pets
Pet food 0.00
Veterinarians/pet medicines 0.00
Pet insurance 0.00
Other 0.00
Pet totals 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Personal
Clothing, including shoes 0.00
Tobacco / Vaping / Cannabis 0.00
Alcohol 0.00
 Monthly Guideline
Jan Feb March April May June July Aug Sept Oct Nov Dec Year
Gifts – family 0.00
Gifts – friends 0.00
Gifts – hostess/housewarming 0.00
Haircuts 0.00
Personal grooming 0.00
Cosmetics 0.00
Salon services 0.00
Other 0.00
Personal totals 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Education
Tuition fees 0.00
Books 0.00
Supplies (ink/paper/pens/etc) 0.00
Course materials (calculator) 0.00
Other 0.00
Education totals 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Entertainment
Dining out 0.00
Lottery tickets / Gambling 0.00
Entertaining at home / BBQ 0.00
Movies / Plays 0.00
Books 0.00
Music / iTunes 0.00
Hockey/football/etc. Pools 0.00
Concerts / Clubs 0.00
Hobbies (e.g crafts, baking…) 0.00
Other 0.00
0.00
Entertainment totals 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Recreation
Sports equipment 0.00
Activities 0.00
Team dues 0.00
Licenses 0.00
Other 0.00
Recreation totals 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Donations/Subscriptions
Magazines 0.00
Newspapers 0.00
Religious organizations 0.00
Charity 0.00
Other 0.00
Donation/subscription totals 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Vacations/Travel
Plane fare 0.00
Accommodations, e.g. hotel 0.00
Camping fees 0.00
Food 0.00
Recreation activities 0.00
Entertainment 0.00
Souvenirs 0.00
Rental car 0.00
Spending money 0.00
Pet boarding / House sitter 0.00
Other 0.00
Vacation totals 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Miscellaneous
Professional dues 0.00
Association fees 0.00
Gym membership 0.00
Annual family membership 0.00
Store membership 0.00
Other 0.00
Miscellaneous totals 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Total expenses 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Cash short/extra 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
 Indicate here if
Budget Worksheet Monthly Amount Annual Expense

INCOME
wages / pension
second income
commission / tips
child tax benefits
support payments
other
TOTAL INCOME 0

HOUSING EXPENSES
first mortgage
second mortgage / home line of credit
rent
property taxes*
strata fee / pad rental
house / tenant insurance
hydro
gas
alternate heating source
water / sewer / garbage*
phone (incl. long distance)
cell phone(s)
cable / netflix / stream services
internet
storage locker
home security
repairs / maintenance*
household items (e.g. décor, gardening supplies)*
other

LIVING EXPENSES
groceries
personal care (e.g. grooming, cosmetics)
baby / infant needs (e.g. diapers, formula)
laundry / dry cleaning
bus / taxi / ride share
fuel (vehicle 1 / vehicle 2)
insurance (vehicle 1 / vehicle 2)*
parking
vehicle maintenance*
roadside assistance*
health expenses
provincial medical premiums
specialists (e.g. massage, chiropractor, physiotherapy)
eye care*
prescriptions*
dental / orthodontist*
over-the-counter*
deductibles / out-of-pocket*
other
insurance
life insurance
disability
extended health
other (e.g. critical illness, payment protection)
pets / vet bills / insurance*
bank fees / safety deposit box
income tax deductions*
other living expenses

WORK EXPENSES
daycare
lunches / breaks (person 1)
lunches / breaks (person 2)
special / professional clothing*
license fees / professional dues*
work supplies (e.g. tools, classroom supplies)*
other

PERSONAL EXPENSES
clothing & shoes (adults)*
tobacco / vaping / cannabis
alcohol
recreation (e.g. sports equipment & fees, activities)
fitness memberships
eating out
entertainment (e.g. movies, event tickets, social activities)
lottery / gaming
babysitting
hair cuts & services*
salon services (e.g. tanning, aesthetics)*
magazines / newspapers / books
education (tuition & supplies)*
gifts / special occasions*
hobbies*
travel / vacations*
donations / charity / assisting family*
annual memberships (store, online, family, etc.)*
other
children
clothing & shoes (kids)*
allowance
lessons / activities
school supplies / fees*
gifts*
other

PAYMENTS
child / spousal support
secured debts
money owed to family / friends
credit cards
loans
line of credit
student loan
lease
other debt payment
emergency savings
income tax (additional)
TFSA / RRSP
RESP / RDSP
other savings payment
TOTAL EXPENSES 0

*The items identified with an asterisk (*) typically occur irregularly throughout the year.

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