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Budget Planner

Smart Money Management Made Simple: Navigate Your Finances With Our User-Friendly Budget Planner.

Take control of your finances

Welcome to our user-friendly budget planner, designed to help you take control of your finances and achieve your financial goals. Whether you're saving for a specific purchase, paying off debt, or simply aiming to improve your overall financial wellbeing, our budget planner is here to assist you every step of the way.

Managing your money can sometimes feel overwhelming, but with the right tools and guidance, you can make informed financial decisions and build a solid foundation for a brighter future. Our budget planner offers a user-friendly interface that empowers you to track your income, expenses, and savings.

By using our planner, you'll gain valuable insights into your spending habits, identify areas where you can cut back, and discover opportunities to maximise your savings. With a clear visual of your financial wellbeing, you’ll be empowered to make informed decisions and prioritise your financial objectives.

Whether you want to pay off debt, build an emergency fund, or invest in your future, our planner will provide you with the necessary tools to stay on track and stay motivated to reach your financial goals.

Are you ready to take charge of your finances and make your money work for you? Start using our budget planner today and embark on a journey toward financial freedom and stability.

Let's pave the way for a brighter financial future together!

Guidelines: To create your budget, gather all the paperwork that you need e.g. utility bills, grocery receipts, bank/credit card statements and all other spending receipts. We usually know our income amount but it's all too easy to 'guesstimate' the outgoing costs.  If you don't have all your costs available for certain areas of the planner and you can only estimate, it's always better to over-estimate.

Please reach out on 01534 737555 or email office@communitysavings.org.je if you need any support to calculate your budget.

If you've never prepared a budget before, the below might look a little overwhelming so our advice is to focus on one section at a time.

Alternatively, you can click here to download a copy of our offline budget planner.

Start calculating your budget

YOUR INCOME: Earnings, Pension, Benefits etc.

Weekly Total:

Monthly Total:

Yearly Total:

Gross Salary from your job/s or business

Pensions (State and/or private)

Benefits and income support

Child maintenance

Alimony

Interest and/or dividends from savings and investments

Rental income

Other income

TOTAL INCOME:

YOUR OUTGOINGS: Everyday expenses

Weekly Total:

Monthly Total:

Yearly Total:

ITIS deduction

Social Security and LTC deduction

Mortgage or rent

Property service charges

Grocery and household shopping excluding alcohol and cigarettes

Energy supplier costs for heating, cooking and hot water e.g. electricity, gas, oil

Parish rates

Internet contract

Phone e.g. contract, calls, mobile and/or landline

Water rates

Childcare e.g. nursery, childminder and babysitter

School fees including school meals and courses

University courses and accommodation

Pet care and food

Daily spends e.g. coffee, lunch, newspaper

Transport costs e.g. petrol, parking and busfare

Car maintenance e.g. service

Other

SUBTOTAL

YOUR OUTGOINGS: Insurance Policies

Weekly Total:

Monthly Total:

Yearly Total:

House e.g. mortgage protection plan, buildings and/or contents

Car

Travel

Medical e.g prviate medical, dental, pets

Other

SUBTOTAL

YOUR OUTGOINGS: Clothes, Health and Beauty

Weekly Total:

Monthly Total:

Yearly Total:

New clothes and shoes

Hairdresser/barber

Dentistry e.g. check-ups, hygienist, dental work

Optician e.g. check-ups, contact lenses, spectacles

Audiologist e.g. check-ups, hearing aids, batteries

Gym membership

Sports equipment and clothing

Other

SUBTOTAL

YOUR OUTGOINGS: Entertainment and Social

Weekly Total:

Monthly Total:

Yearly Total:

Alcohol for home including subscriptions e.g. Wine club

Cigarettes/E-Cigarettes

Meals out

Entertainment subscriptions e.g. Amazon Prime, Netflix, SKY, Spotify

Other subscriptions e.g. Apple, Adobe, Kindle, magazines, newspaper

TV License

Hobbies

Cinema

Other

SUBTOTAL

YOUR OUTGOINGS: Loans and debts (other than mortgage)

Weekly Total:

Monthly Total:

Yearly Total:

Car loan

Holiday loan

Consolidated loan

HP repayments

Credit card repayments

Other

SUBTOTAL

YOUR OUTGOINGS: Christmas, Life Events and Large One-Off Spends

Weekly Total:

Monthly Total:

Yearly Total:

Holidays

Birthdays

Wedding

Funeral

Christmas

New kitchen or bathroom

Furniture e.g. sofa, TV, dinner table

Other

SUBTOTAL

YOUR SAVINGS:

Weekly Total:

Monthly Total:

Yearly Total:

Transfer into a savings account

Private pension

Other

SUBTOTAL

TOTALS/BALANCE:

Per Week:

Per Month:

Per Year:

TOTAL INCOME:

TOTAL EXPENDITURE:

RESULT: Your income minus your expenses is:

You may find that you are spending more than you have coming in. Look carefully at your spending, is there anything you can cut down on? Are there cheaper items available? Try keeping all your receipts (e.g. for one week), this will help you to see where you are spending your money so you can make the necessary adjustments.

If you feel you're stuggling to make ends meet and need some help, lets talk!

You're not alone. We're here to help!

01534 737555 office@community-savings.org.je