BUDGET PLANNER Personal budget planner It’s important to know where you spend your money. Through efficient management of your finances you will be able to plan for your future with confidence. Spending the time to complete a budget planner will help you to take control of your financial situation. To ensure your budget is based on realistic figures keep a written record of all your income and outgoings for at least three months. If you find that your income is greater than your expenses, then you could use these funds to implement a strategy for your future financial security.
PERSONAL BUDGET PLANNER Gross income Salary, fees and bonuses Superannuation Pension/Annuity Investment income (interest, dividends, etc) Government benefits Government benefits Total Gross Income (A) Expenses Living expenses Rent/mortgage Other lease/loan/interest payments Home maintenance Rates and levies (Council, water, etc) Phone(s) (Rental, service and calls) Utilities (Electricity, gas, etc) Food/groceries/household Medical and pharmaceutical Clothes, shoes, dry cleaning etc Child care/school fees Household purchases (eg. appliances) Other Car/transport Registration/maintenance/repair Fuel Fares Other Insurance and superannuation Home and contents Life/income continuation/trauma Car/boat/trailer Health Superannuation Business Other Leisure/entertainment Holidays Restaurant/theatre, etc Sports/hobbies/memberships Newspapers/magazines/books/CDs/etc Gifts Other Taxes, fees and charges Fees and duties Tax on income and investments Other Total Expenses (B) Income minus Expenses (A) - (B) The amount I will save for Short term (eg. for later months) Medium term (eg. time off work) Long term (eg. retirement/super)
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January
February
March
April
May
January
February
March
April
May
June
July
August
September
October
November
December
Annual Total
June
July
August
September
October
November
December
Annual Total
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Securitor Financial Group Limited ABN 48 009 189 495 AFSL 240687 Australian Credit Licence 240687. This publication is current as at August 2013. This publication provides an overview or summary only and it shouldn’t be considered a comprehensive statement on any matter or relied upon as such. The information in this publication does not take into account your objectives, financial situation or needs and so you should consider its appropriateness having regard to these factors before acting on it and obtain financial advice. Any taxation position described in this publication is a general statement and should only be used as a guide. It does not constitute tax advice and is based on current tax laws and our interpretation. Your individual situation may differ and you should seek independent professional tax advice. The rules associated with the super and tax regimes are complex and subject to change and the opportunities and effects will differ depending on your personal circumstances. SECCB14635C-0913lc