One of the most effective ways to build the value of your investment portfolio is to invest at regular intervals. For most of us, that means controlling our monthly spending to leave enough to make a monthly investment. This budget worksheet can help you see where your money goes, as well as where you might make changes in your spending habits to increase investments towards specific goals.

Monthly Net Income:

Income	Current	Revised
Salary (yours):	$	$
Salary (spouse):	$	$
Self-employment income (yours):	$	$
Self-employment income (spouse):	$	$
Interest & Dividends:	$	$
Pensions & Alimony:	$	$
Social Security:	$	$
Rental Property (net):	$	$
Other monthly income:	$	$
Total Income:	$	$

Monthly Net Expenses:

Description of Expense	Current	Revised
Rent/Mortgage:	$	$
Child Care:	$	$
Transportation:	$	$
Life & Disability Insurance:	$	$
Medical Care & Drugs:	$	$
Furnishings:	$	$
Clothing:	$	$
Debt/Installment payments:	$	$
Education/Self Improvement:	$	$
Food and Household:	$	$
Dining out:	$	$
Entertainment:	$	$
Vacations and Holidays:	$	$
Personal Care:	$	$
Charitable Contributions:	$	$
Misc. Cash / ATM withdrawals:	$	$
Other:	$	$
Savings/Investment Accounts:	$	$
Total Expenses:	$	$

TOTAL MONTHLY EXCESS/ (SHORTFALL):

$

$