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.
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BUDGET PLANNERPersonal budget plannerIt’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.
2 | BUDGET PLANNER
PERSONAL BUDGET PLANNERGross income January February March April May June July August September October November December Annual TotalSalary, fees and bonusesSuperannuation Pension/AnnuityInvestment income (interest, dividends, etc)Government benefitsGovernment benefitsTotal Gross Income (A)Expenses January February March April May June July August September October November December Annual TotalLiving expensesRent/mortgageOther lease/loan/interest paymentsHome maintenanceRates and levies (Council, water, etc)Phone(s) (Rental, service and calls)Utilities (Electricity, gas, etc)Food/groceries/householdMedical and pharmaceuticalClothes, shoes, dry cleaning etcChild care/school feesHousehold purchases (eg. appliances)OtherCar/transportRegistration/maintenance/repairFuelFaresOtherInsurance and superannuationHome and contentsLife/income continuation/traumaCar/boat/trailerHealthSuperannuationBusinessOtherLeisure/entertainmentHolidaysRestaurant/theatre, etcSports/hobbies/membershipsNewspapers/magazines/books/CDs/etcGiftsOtherTaxes, fees and chargesFees and dutiesTax on income and investmentsOtherTotal 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)
BUDGET PLANNER | .
Personal budget plannerGross income January February March April May June July August September October November December Annual TotalSalary, fees and bonusesSuperannuation Pension/AnnuityInvestment income (interest, dividends, etc)Government benefitsGovernment benefitsTotal Gross Income (A)Expenses January February March April May June July August September October November December Annual TotalLiving expensesRent/mortgageOther lease/loan/interest paymentsHome maintenanceRates and levies (Council, water, etc)Phone(s) (Rental, service and calls)Utilities (Electricity, gas, etc)Food/groceries/householdMedical and pharmaceuticalClothes, shoes, dry cleaning etcChild care/school feesHousehold purchases (eg. appliances)OtherCar/transportRegistration/maintenance/repairFuelFaresOtherInsurance and superannuationHome and contentsLife/income continuation/traumaCar/boat/trailerHealthSuperannuationBusinessOtherLeisure/entertainmentHolidaysRestaurant/theatre, etcSports/hobbies/membershipsNewspapers/magazines/books/CDs/etcGiftsOtherTaxes, fees and chargesFees and dutiesTax on income and investmentsOtherTotal 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)
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
