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Monthly budget checklist

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1. Write the take-home deposits expected before the next payday.
2. List bills due before that payday, with the amount and the account that pays them.
3. Add groceries, transport, and medicine from last month if you can see the total.
4. Note one irregular bill coming in the next six months and the monthly set-aside.
5. Subtract. If the result is negative, circle lines you can change and lines you cannot.
6. Assign any leftover dollars to a named savings job, or write zero.
7. Put due dates where you will see them this week.