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This is your journal. It will help you prepare a budget. In other words, it will give you a picture of your sources of income and expenses. It will also let you plan your short- or long-term expenses. As well, the worksheet includes a separate line to let you keep track of the amount of money you have to set aside to reach your goal.

SEPTEMBER-2010    Income 1 to 4 5 to 11 12 to 18 19 to 25 26 to 30  Monthly summary Employement income  Allowance  * Loans and bursaries  Gifts  Other income  Total monthly income       Expenses 1 au 4 5 au 11 12 au 18 19 au 25 26 au 30   * School fees and supplies  Housing (electricity, cable, etc.  * Pager, cell phone  Food  Clothing  Entertainment and sports  Loan repayments  Car repairs and fuel  Transportation  Other expenses  Contingencies  * If any of your revenues or expenses are not calculated on a weekly basis, just divide the amount by 52 weeks to obtain the weekly amount. Total monthly expenses Amount available    What’s your situation? Green light – You have a budget surplus if your income is greater than your expenses. Yellow light – Your budget balances if you spent as much as you earned and broke even. Red light – You’re in the red if you’ve spent more than you’ve earned. If that's the case, you will have to either cut back on expenses or increase your income.