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Personal Finance: Money 101 - Making a Budget
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Ideal Budget

You only have so much money -- make sure you're spending it in the right places.

Salary&Earned Income $ Rental Income  $
Child Support & Alimony $ Dividends, Interest, Cap. Gains $
Pension & Social Security $
Total $
  HOUSING & DEBT
Mortgage Payment or Rent $ Personal Loans $
Credit Card $ Child Support & Alimony $
Auto Loans $ Other $
Total $
As percent of your gross %
Ideal budget allocation 30%
  TAXES
Federal Income Taxes $ FICA Withholding $
State Income Taxes $ Medicare Withholding $
Local & Property Taxes $  
Total $
As percent of your gross %
Ideal budget allocation 25%
  INSURANCE
Life $ Auto $
Health $ Homeowner $
Disability $ Other $
Total $
As percent of your gross %
Ideal budget allocation 4%
  SAVINGS AND INVESTMENT
401(k) $ Stocks & Bonds $
IRA $ College Savings $
Mutual Funds $ Other Savings $
Total $
As percent of your gross %
Ideal budget allocation 15%
  LIVING EXPENSES
Food $ Personal Care $
Clothing $ Doctors, Dentists, Rx Drugs $
Electricity & Fuel $ Entertainment, Hobbies $
Water $ Newspapers, Books, Magazines $
Telephone $ Club Dues $
Cable & Internet $ Day Care $
Gas for your car/public transportation $ Private School Tuition $
Parking $ Other $
Total $
As percent of your gross %
Ideal budget allocation 26%

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Keep a lid on summer cooling costs

More than $60 billion just waiting to be claimed

Credit counseling--via phone or face-to-face--helps debtors

Majority of Gen X women in debt, lack investments

Keep a lid on summer energy costs

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