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Budget headings

(7 Posts)
HiawathaDidntBotherTooMuch Sat 03-Jan-15 14:04:52

DH and I have made it a resolution to keep better track of our spending this year. We just want to have more of an idea of what we are actually spending our money on. So we've decided to do a budget.

Can anyone point me in the right direction please of headings and breakdowns of what we should be thinking of? Whether it is your own list or something more formal. I dint want to spend any money on it though! I am sure that we are missing loads eg I've just realised that we haven't budgeted for haircuts.

Thanks very much.

Taytocrisps Sat 03-Jan-15 14:09:19

Do you mean bills or things you buy out of disposable income? Or both?

Iamnotanugget Sat 03-Jan-15 14:19:51

Money saving expert has a free budgeting tool that lists everything you could possibly be spending your money on. Hth.

HiawathaDidntBotherTooMuch Sat 03-Jan-15 15:21:18

Thanks both. I meant disposable income. I also realised that I hadn't allowed for dry cleaning or birthday cards! I will look on money saving expert.

Mum4Fergus Tue 06-Jan-15 13:53:08

Here is a copy of mine - hope it helps ...

HouseMortgage
Scottish Power
House Insurance
TV Licence
Council Tax
Mobile Phone
SKY
Garden
Repairs/Improvements
FoodShopping
Treats (takeaway)
EducationSchool supplies
School trips
CarPetrol
Car Tax
Car Insurance
AA
Repairs/replacement
InsuranceLife Assurance
ClothingClothing
MedicalMedication
Dental
PersonalHaircuts
SavingsBaby Emergency Fund
Big Emergency Fund
GiftsBirthday
Anniversary
Wedding
Christmas
Special Occasion
Fun MoneyGames
Eating Out
Spontaneous Giving
Holidays
Debt ReductionLoan
Bank Fees
Overpay Loan
CC

Mum4Fergus Tue 06-Jan-15 13:54:26

Sorry, some of the headers have gotten a bit mixed up, but hopefully you get the idea ...

WipsGlitter Tue 06-Jan-15 14:00:19

Income
Salary
Rent
Benefits - if you get any
TOTAL (A)

Outgoings
Mortgage
Phone & Broadband
Mobile
Insurances
Rates
Childcare
Credit cards
TOTAL (B)

Subtract B from A = disposable income

Pocket Money
Groceries & Toiletries
Eating Out / Entertainment
Clothes
Petrol
Holidays
Books, newspapers, mags
Presents
Sundry Items
Ardenlee Expenses
Children's Expenses
Car Expenses
Bank fees
Christmas

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