Donna J. Bardua - Mortgage Worksheet: Budget planning for home ownership

Step 2: Budget planning for home ownership

Complete this worksheet to see how mortgage payments and home expenses fit into your budget. Then when you move, you will have prepared a monthly bill-paying schedule to help you manage your finances.

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Budget Planning for Home Ownership

Housing Expenses

Mortgage payment Principal, interest, taxes, mortgage and hazard insurance $

Electric bill $

Heating bill $

Gas, water, sewer If paid separately $

Condo/association fee If applicable $

Non-housing Expenses

Food Groceries, school/work lunches $

Car loan $

Car insurance Monthly amount set aside for bill $

Fuel and maintenance $

Car repairs Monthly amount saved for future repairs $

Other transportation Fares, parking $

Clothing New clothes, dry cleaning, laundry, tailor $

Health care Insurance premiums and non-covered expenses $

Debt payments Credit cards, student and other loans, time payments $

Telephone $

Insurance Other than car and health (life, disability, etc) $

Child support $

Alimony $

Discretionary Expenses

Entertainment Cable TV, restaurants, movies $

Hobby and sport Equipment, tickets, memberships $

Vacation Amount saved each month for future vacations $

Lawn care/snow removal $

Gifts $

Savings Amount set aside each month for future vacations $

Donations and dues Charity, unions, contributions $

Other expenses: $

Other expenses: $

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Budget Planning for Home Ownership
Housing Expenses
Mortgage payment	Principal, interest, taxes, mortgage and hazard insurance	$
Electric bill		$
Heating bill		$
Gas, water, sewer	If paid separately	$
Condo/association fee	If applicable	$

Non-housing Expenses
Food	Groceries, school/work lunches	$
Car loan		$
Car insurance	Monthly amount set aside for bill	$
Fuel and maintenance		$
Car repairs	Monthly amount saved for future repairs	$
Other transportation	Fares, parking	$
Clothing	New clothes, dry cleaning, laundry, tailor	$
Health care	Insurance premiums and non-covered expenses	$
Debt payments	Credit cards, student and other loans, time payments	$
Telephone		$
Insurance	Other than car and health (life, disability, etc)	$
Child support		$
Alimony		$

Discretionary Expenses
Entertainment	Cable TV, restaurants, movies	$
Hobby and sport	Equipment, tickets, memberships	$
Vacation	Amount saved each month for future vacations	$
Lawn care/snow removal		$
Gifts		$
Savings	Amount set aside each month for future vacations	$
Donations and dues	Charity, unions, contributions	$
Other expenses:		$
Other expenses:		$
[Home Page :: House Listings :: Area Golf :: Relocation Essentials :: Local Schools :: Financial Information :: About Donna :: Referral Network :: Contact Donna :: Client Testimonials]