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  1. Finding extra money to save becomes easier when you know exactly what you're spending each month. Fidelity believes your essential expenses (things you need to have) should not exceed 50% of your …

  2. Make a Budget Use this worksheet to see how much money you spend this month. Then, use this month’s information to help you plan next month’s budget. Some bills are monthly and some come …

  3. This Monthly Spending Plan and Tracker are designed to help you make an intentional and Spirit-led plan for your finances and to see whether or not you are on track or need to make adjustments.

  4. Monthly Budget Worksheet Use this worksheet to see how much money you bring in each month and where you spend it. Then look for ways to adjust your expenses so you can reach your financial goals.

  5. Average your monthly expenses in any category by month and use the amount as your Monthly Budget. Compare Monthly Budget with Monthly Actual expenses and adjust your budget as needed.

  6. Food • Plan ahead! Make a detailed food plan every week and buy only what you can store or use within that time.

  7. Create your spending plan Map your monthly expenses and set your targets sed on an average over six months to one year. Use bank and credit card statements (get automated pending reports if you …