Creating Your Budget

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Your budget may look something like this.

Completed Sample Budget

Remember, your budget should reflect your financial priorities and your lifestyle. Use a tool, like our free online personal budgeting calculator, to develop a spending plan that’s a perfect fit for your lifestyle. Using the categories you created when you started tracking your spending, add or delete categories in the tool to personalize your spending plan. Be sure to include expenses that don’t occur on a monthly basis, like property taxes and insurance.

If you prefer another format, additional budget calculators can be found at or, among other websites.

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