You can use a sample monthly expenses list to help you keep track of all of the bills that come in. Even if you don’t do laundry, clean house, and cook every meal, you should still put together a list of all expenses. This list will let you see at a glance what is going out, what is coming in, and where your money is going. It will help you make sure that you are not getting into debt. Here are some sample expenses to sample from:
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* Phone – If you only have one cell phone, this is a good one to put on your monthly expenses list. You will want to add a new line for the new phone. If you have two or more phones, you will want to separate the expense of each one. The phone app from Verizon will do most of the work for you and let you keep track of your bill using their widgets. There are also many other apps available to choose from, but this is a good place to start.
* Clothes – If you wear a dress to work, or to school, you need to add this on to your monthly expenses list sample. Most people spend a little more at the end of the week than they did in the beginning of the week, and clothes are usually one of the biggest areas of your household expenses. Include this expense on your monthly expenses list.
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* Food – You probably have a grocery list that you make every week and a household worksheet list all current, regular gross income for the borrower. Add this on to your monthly expenses list sample. Most lenders will require a food sample so that they can see at a glance how much money a family is earning in various categories, such as food, gasoline, clothing, etc. A food sample may not be perfect, however it will give you an idea if you should adjust your budget.
* Transportation – Most borrowers will drive a car to work and some will take transit. If you are planning to add both these items to your monthly expenses typically include them on your budget. It might not be a good idea to add transportation on right away, however over time it should be reasonable to add an expense on.
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* Grocery – Most people shop at grocery stores, but you should also consider grocery delivery for meals. If you have a pantry, consider buying food items in bulk to save money. Include this on your monthly expenses typically list. Again, you should consider grocery expenses when making your budget, so don’t forget to add this one onto your list.
* Bills & Loan – Some bills and loans are not included on your regular monthly expenses list, which is okay. For instance, medical bills that are due at the end of the month typically include things like prescriptions and doctor visits. These are an expense that you can usually eliminate from your budget by simply getting a pay day loan or credit card. If you have other bills that must be paid each month, consider adding them to your expenses.
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There are allot more expenses that are not considered when calculating your monthly expenses. Other examples include things like internet access, utility bills, cleaning supplies, entertainment, etc. Other things that are normally not included are personal insurance, student loans, and shipping/delivery costs. If any of these are part of your budget, consider adjusting them so they are included. If your monthly expenses typically include these types of things, you will save a lot of money in the long run. Just make sure that any adjustment in these areas does not lower your monthly expenses significantly.
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