This worksheet helps you plan and monitor your budget.  Most people hate to budget.  The reason is that budgets fail.  And who likes setting themselves up for failure?

Budgets fail for two major reasons:

First, people don't plan failure into the budget.   Who can predict whjen the car is going to break down or the roof start to leak or an unexpected medial expense occrs?  That is why we encourage regular payments to an Emergency Fund.

The second is that they do not adequately plan for the non-monthly expenses.  Single, annual, semi-annual and quarterly bills are the ones most likely to break the budget.  That is why our budget specifically creates a "Personal Escrow Account" for these expenses.

We sincerely hope that our budget tools helps you get better cvontrol of your finances.