One of the keys to successful budgeting is to properly track your expenses. That includes debt payments as well as other expenses. Find out how much you spend per month on car loans, mortgage, rent, credit cards, student loans, and any other form of debt. Mark down each figure separately, but also total the figures together to determine how much you owe. For example, your monthly debt payoff might include the following: a $300 car payment, a $700 mortgage, and $200 in credit card payments. That's a total of $1,200 in monthly expenses. These payments typically include whatever you spend each month on renter's, homeowner's, car, other motor vehicle, health, and life insurance. For example, your monthly insurance expenses might include the following: $100 for car insurance and $200 for health insurance. That's a total of $300 in monthly insurance expenses. Utilities include any monthly service you pay someone else to provide, and usually cover bills for water, electric, gas, phone, Internet service, cable, and satellite. Gather your receipts and past bills from the last year to come up with an average monthly estimate for each utility, and add the averages together. For example, your monthly utility expenses might include: $100 for water and $200 for electricity. That's a total of $300 in monthly utility expenses. Look over your grocery receipts from the past few months to determine how much you typically spend each month. For example, your average monthly grocery expenses might be $1,000. Dig into ATM receipts and bank statements to determine how much you typically withdraw each month. Of this, determine how much was spent on necessity versus want.  If you kept all your receipts from the past month, look through them and calculate how much you spent on things you needed—gasoline, food, and so on. Subtract this amount from your total monthly cash withdrawal to determine how much you spent on things you merely wanted—a new video game, a name brand bag, and so on. If you did not keep your receipts, do your best to provide an estimate based on memory. For example, if you withdraw $500 per month at an ATM, and you spend $100 of it on groceries, then you'd subtract that $100 from the $500 total because you've already accounted for your grocery expense. That brings your net ATM withdrawals to $400 per month. Special expenses do not recur every month, but they do recur often enough for you to anticipate them coming. Examples include holiday gifts, birthday gifts, vacations, and repairs or replacements you anticipate paying for in the near future. Determine how many special expenses you plan on encountering for each month, from January right through December. For example, you might anticipate $100 per month in car maintenance.
احسب إجمالي مدفوعات الديون الشهرية. تابع مدفوعات التأمين الشهرية. احسب متوسط نفقات المرافق الشهرية. حدد متوسط فواتير مشتريات البقالة الشهرية. راجع مسحوباتك النقدية الأخيرة. أضف النفقات الخاصة.