Dark Star Financial Budget Binder2
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Dark Star Financial
2019
Expenses Bills
Rent/Mortgage Internet Electricity Gas Water Cell Phone Health Insurance Car Insurance Home Insurance Car #1 Payment Car #2 Payment Credit Card #1 Credit Card #2 Credit Card #3 Credit Card #4 Credit Card #5 Loan Netflix Amazon Prime
Amount due
Date due
Income
Weekly Bi-Weekly Monthly Quarterly Job #1 Job #2 Dividend #1 Dividend # 2 Side Job
Savings
Account
Weekly Bi-Weekly
Monthly
Outstanding Debt Account Name Amount Owed Mortgage Car Loan #1 Car Loan #2 Credit card #1 Credit card #2 Credit card #3 Credit card #4 Credit card #5 Loan
Amount
Interest Rate
Goals 1.
2.
3.
4.
5.
6.
7.
8.
Steps to take for your goals 1.
2.
3.
4.
5.
If you would like free advice on steps to take for your goals, follow us on Instagram for tips or just text directly at (832) 758-5939. We are happy to help you figure out your next steps for your goals and how to fill out the budget calendar. There are simple steps for the calendar below the calendar with an example calendar as well.
January Mon
Tue
Wed
Thurs
Fri
Sat
Sun
1
2
3
4
5
6
7
8
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11
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25
26
27
28
29
30
31
1
2
3
Total Income Income Expenses Expenses
Totals Total - Rent/mortgage above / # of weeks
Rent Rent Estimate Actual
Save
Invest
MONEY NEEDED FOR NEXT WEEK BILLS
Feburary Mon
Tue
Wed
Thurs
Fri
Sat
Sun
1
2
3
Total Income Income Expenses Expenses
link to last month
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
1
2
3
Totals Total - Rent/mortgage above / # of weeks
Rent Rent Estimate Actual
Save
Invest
MONEY NEEDED FOR NEXT WEEK BILLS
March Mon
Tue
Wed
Thurs
Fri
Sat
Sun
1
2
3
Total Income Income Expenses Expense
link to last month 4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
Totals Total - Rent/mortgage above / # of weeks
Rent Estimate
Rent Actual
Save
Invest
MONEY NEEDED FOR NEXT WEEK BILLS
April Mon
Tue
Wed
Thurs
Fri
Sat
Sun
1
2
3
4
5
6
7
8
9
10
11
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13
14
15
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19
20
21
22
23
24
25
26
27
28
29
30
Total Income Income Expenses Expenses
link to next month
Totals Total - Rent/mortgage above / # of weeks
Rent Rent Estimate Actual
Save
Invest
MONEY NEEDED FOR NEXT WEEK BILLS
May Mon
Tue
Wed
Thurs
Fri
Sat
Sun
29
30
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
1
2
Total Income Income Expenses Expenses
Totals Total - Rent/mortgage above / # of weeks
Rent Rent Estimate Actual
Save
Invest
MONEY NEEDED FOR NEXT WEEK BILLS
June Mon
Tue
Wed
Thurs
Fri
Sat
Sun
1
2
Total Income Income Expenses Expenses
link to last month 3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
Totals Total - Rent/mortgage above / # of weeks
Rent Rent Estimate Actual
Save
Invest
MONEY NEEDED FOR NEXT WEEK BILLS
July Mon
Tue
Wed
Thurs
Fri
Sat
Sun
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
1
2
3
4
Total Income Income Expenses Expenses
Totals Total - Rent/mortgage above / # of weeks
Rent Rent Estimate Actual
Save
Invest
MONEY NEEDED FOR NEXT WEEK BILLS
August Mon
Tue
Wed
Thurs
Fri
Sat
Sun
1
2
3
4
Total Income Income Expenses Expenses
link to last month 5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
1
Totals Total - Rent/mortgage above / # of weeks
Rent Estimate
Rent Actual
Save
Invest
MONEY NEEDED FOR NEXT WEEK BILLS
October Mon
Tue
Wed
Thurs
Fri
Sat
Sun
30
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
1
2
3
Total Income Income Expenses Expenses
Totals Total - Rent/mortgage above / # of weeks
Rent Rent Estimate Actual
Save
Invest
MONEY NEEDED FOR NEXT WEEK BILLS
November Mon
Tue
Wed
Thurs
Fri
Sat
Sun
1
2
3
Total Income Income Expenses Expenses
Link to last Month 4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
1
Totals Total - Rent/mortgage above / # of weeks
Rent Rent Estimate Actual
Save
Invest
MONEY NEEDED FOR NEXT WEEK BILLS
December Mon
Tue
Wed
Thurs
Fri
Sat
Sun
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
Total Income Income Expenses Expenses
Totals Total - Rent/mortgage above / # of weeks
Rent Rent Estimate Actual
Save
Invest
MONEY NEEDED FOR NEXT WEEK BILLS
EXAMPLE expenses date due rent 1 electric bill 7 credit card 8 gas bill 9 credit card 12
amount due 1400 100 60 40 25
expenses date due credit card 15 car payment 19 loan payment 21 credit card 24 Grocery weekly
amount due 40 400 260 40 100
January rent already paid, Saving for rent due Feburary 1st. do NOT include rent in expenses for the calander
January Mon
round the rent estimate for easy numbers
paycheck every other friday
Tue
Wed
Thurs
Fri
Sat
Sun
1
2
3
4
5
6
Total Expenses
Income
0
Income Expenses
1600
735
735 = 1600-325-540
7 100
8 60
9 40
10
14
15 40
16
17
11
18
12 25
13 100
19 400
20 100
22
28
29
23
30
24 40
25
31
1
26
2
27 100 3 100
540
1600
1100
1835-1400 = (1835-1400)/2 =
517.5
520
518 = 735-218
SAVINGS
INVESTMENTS
100
115
215 = 100+115 215 = 735-520
865 865 = 325+540
882.5
880
883 = 1100-218
100
130
230 = 100+130 230 = 1100-880
500 500 = 400+100
400
100 link to next month
1365 = 325+540+400+100
Total
RENT Actual
325
1100 = 1600-400-100
21 260
RENT Estimate
MONEY NEEDED FOR NEXT WEEK EXPENSES BEFORE PAYCHECK
1365
TOTALS
Total - Rent/mortgage above / # of checks during the month
1400 = 520+880
1835 435 217.5
1400
1400
200
245
1365
COLOR CODED INSTRUCTIONS 1. Enter expense amounts into corresponding dates in the calander above - if 2 bills fall on the same day, just add the amounts together - list your groceries as a bill so you can budget for a certain amount only and stay within that budget
2. Enter income amounts into the INCOME column 3. INCOME - EXPENSES
=
INCOME MINUS
EXPENSES FOR NEXT 2 (1600-325-540) = 735 (1600-400-100) = 1100 WEEKS
4. Total the INCOME - EXPENSES column at the bottom (735+1100) = 1835 5. Subtract the the Rent/Mortgage from the TOTAL (1835-1400) = 435
6. Divide that amount by the number of checks you are expecting during the month for which you will spend to live on for that month
7. RENT Estimate
=
Income - Expenses for the next 2 MINUS weeks 8. MONEY NEEDED FOR NEXT 2 WEEK EXPENSES BEFORE PAYCHECK
sum of SAVINGS and INVESTMENTS
=
Adjust SAVINGS and INVESTMENTS as needed
INCOME EXPENSES
(above/# of checks during the month)
=
(735-218) = 518 (1100-218) = 883
Sum of total expenses for next 2 weeks (325+540)=865 and (400+100)=500 RENT (735-520) = 215 = (100+115) MINUS ACTUAL (1100-880) = 230 = (100+130)
(435/2) = 218
Feburary Mon
Tue
Wed
Thurs
Fri
1
Sat
Sun
Total Expenses
2 3 Link to last month
Income
1600
Income Expenses
1135
1135 = 1600-300-165
4 11
5 12 25
6 13
7 100
8 60
9 40
10 100
300
14
15 40
16
17 100
165
1600
700
700 = 1600-800-100
18 25
19 400
20
26
27
21 260
22
28
1
23 2
24 140
800
3 100
100
ROUND RENT Estimate
917.5
RENT Actual
920
918 = 1135-218
482.5
480
483 = 700-218
SAVINGS INVESTMENTS
100
115
Total - Rent/mortgage above / # of weeks
1835 435
217.5
1400
1400
465
215 = 100+115 465 = 300+165 215 = 1135-920
100
120
900
220 = 100+120 900 = 800+100 220 = 700-480
1600 Totals
MONEY NEEDED FOR NEXT WEEK EXPENSES BEFORE PAYCHECK
200
235
2019
Expenses Bills
Rent/Mortgage Internet Electricity Gas Water Cell Phone Health Insurance Car Insurance Home Insurance Car #1 Payment Car #2 Payment Credit Card #1 Credit Card #2 Credit Card #3 Credit Card #4 Credit Card #5 Loan Netflix Amazon Prime
Amount due
Date due
Income
Weekly Bi-Weekly Monthly Quarterly Job #1 Job #2 Dividend #1 Dividend # 2 Side Job
Savings
Account
Weekly Bi-Weekly
Monthly
Outstanding Debt Account Name Amount Owed Mortgage Car Loan #1 Car Loan #2 Credit card #1 Credit card #2 Credit card #3 Credit card #4 Credit card #5 Loan
Amount
Interest Rate
Goals 1.
2.
3.
4.
5.
6.
7.
8.
Steps to take for your goals 1.
2.
3.
4.
5.
If you would like free advice on steps to take for your goals, follow us on Instagram for tips or just text directly at (832) 758-5939. We are happy to help you figure out your next steps for your goals and how to fill out the budget calendar. There are simple steps for the calendar below the calendar with an example calendar as well.
January Mon
Tue
Wed
Thurs
Fri
Sat
Sun
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
1
2
3
Total Income Income Expenses Expenses
Totals Total - Rent/mortgage above / # of weeks
Rent Rent Estimate Actual
Save
Invest
MONEY NEEDED FOR NEXT WEEK BILLS
Feburary Mon
Tue
Wed
Thurs
Fri
Sat
Sun
1
2
3
Total Income Income Expenses Expenses
link to last month
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
1
2
3
Totals Total - Rent/mortgage above / # of weeks
Rent Rent Estimate Actual
Save
Invest
MONEY NEEDED FOR NEXT WEEK BILLS
March Mon
Tue
Wed
Thurs
Fri
Sat
Sun
1
2
3
Total Income Income Expenses Expense
link to last month 4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
Totals Total - Rent/mortgage above / # of weeks
Rent Estimate
Rent Actual
Save
Invest
MONEY NEEDED FOR NEXT WEEK BILLS
April Mon
Tue
Wed
Thurs
Fri
Sat
Sun
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
Total Income Income Expenses Expenses
link to next month
Totals Total - Rent/mortgage above / # of weeks
Rent Rent Estimate Actual
Save
Invest
MONEY NEEDED FOR NEXT WEEK BILLS
May Mon
Tue
Wed
Thurs
Fri
Sat
Sun
29
30
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
1
2
Total Income Income Expenses Expenses
Totals Total - Rent/mortgage above / # of weeks
Rent Rent Estimate Actual
Save
Invest
MONEY NEEDED FOR NEXT WEEK BILLS
June Mon
Tue
Wed
Thurs
Fri
Sat
Sun
1
2
Total Income Income Expenses Expenses
link to last month 3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
Totals Total - Rent/mortgage above / # of weeks
Rent Rent Estimate Actual
Save
Invest
MONEY NEEDED FOR NEXT WEEK BILLS
July Mon
Tue
Wed
Thurs
Fri
Sat
Sun
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
1
2
3
4
Total Income Income Expenses Expenses
Totals Total - Rent/mortgage above / # of weeks
Rent Rent Estimate Actual
Save
Invest
MONEY NEEDED FOR NEXT WEEK BILLS
August Mon
Tue
Wed
Thurs
Fri
Sat
Sun
1
2
3
4
Total Income Income Expenses Expenses
link to last month 5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
1
Totals Total - Rent/mortgage above / # of weeks
Rent Estimate
Rent Actual
Save
Invest
MONEY NEEDED FOR NEXT WEEK BILLS
October Mon
Tue
Wed
Thurs
Fri
Sat
Sun
30
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
1
2
3
Total Income Income Expenses Expenses
Totals Total - Rent/mortgage above / # of weeks
Rent Rent Estimate Actual
Save
Invest
MONEY NEEDED FOR NEXT WEEK BILLS
November Mon
Tue
Wed
Thurs
Fri
Sat
Sun
1
2
3
Total Income Income Expenses Expenses
Link to last Month 4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
1
Totals Total - Rent/mortgage above / # of weeks
Rent Rent Estimate Actual
Save
Invest
MONEY NEEDED FOR NEXT WEEK BILLS
December Mon
Tue
Wed
Thurs
Fri
Sat
Sun
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
Total Income Income Expenses Expenses
Totals Total - Rent/mortgage above / # of weeks
Rent Rent Estimate Actual
Save
Invest
MONEY NEEDED FOR NEXT WEEK BILLS
EXAMPLE expenses date due rent 1 electric bill 7 credit card 8 gas bill 9 credit card 12
amount due 1400 100 60 40 25
expenses date due credit card 15 car payment 19 loan payment 21 credit card 24 Grocery weekly
amount due 40 400 260 40 100
January rent already paid, Saving for rent due Feburary 1st. do NOT include rent in expenses for the calander
January Mon
round the rent estimate for easy numbers
paycheck every other friday
Tue
Wed
Thurs
Fri
Sat
Sun
1
2
3
4
5
6
Total Expenses
Income
0
Income Expenses
1600
735
735 = 1600-325-540
7 100
8 60
9 40
10
14
15 40
16
17
11
18
12 25
13 100
19 400
20 100
22
28
29
23
30
24 40
25
31
1
26
2
27 100 3 100
540
1600
1100
1835-1400 = (1835-1400)/2 =
517.5
520
518 = 735-218
SAVINGS
INVESTMENTS
100
115
215 = 100+115 215 = 735-520
865 865 = 325+540
882.5
880
883 = 1100-218
100
130
230 = 100+130 230 = 1100-880
500 500 = 400+100
400
100 link to next month
1365 = 325+540+400+100
Total
RENT Actual
325
1100 = 1600-400-100
21 260
RENT Estimate
MONEY NEEDED FOR NEXT WEEK EXPENSES BEFORE PAYCHECK
1365
TOTALS
Total - Rent/mortgage above / # of checks during the month
1400 = 520+880
1835 435 217.5
1400
1400
200
245
1365
COLOR CODED INSTRUCTIONS 1. Enter expense amounts into corresponding dates in the calander above - if 2 bills fall on the same day, just add the amounts together - list your groceries as a bill so you can budget for a certain amount only and stay within that budget
2. Enter income amounts into the INCOME column 3. INCOME - EXPENSES
=
INCOME MINUS
EXPENSES FOR NEXT 2 (1600-325-540) = 735 (1600-400-100) = 1100 WEEKS
4. Total the INCOME - EXPENSES column at the bottom (735+1100) = 1835 5. Subtract the the Rent/Mortgage from the TOTAL (1835-1400) = 435
6. Divide that amount by the number of checks you are expecting during the month for which you will spend to live on for that month
7. RENT Estimate
=
Income - Expenses for the next 2 MINUS weeks 8. MONEY NEEDED FOR NEXT 2 WEEK EXPENSES BEFORE PAYCHECK
sum of SAVINGS and INVESTMENTS
=
Adjust SAVINGS and INVESTMENTS as needed
INCOME EXPENSES
(above/# of checks during the month)
=
(735-218) = 518 (1100-218) = 883
Sum of total expenses for next 2 weeks (325+540)=865 and (400+100)=500 RENT (735-520) = 215 = (100+115) MINUS ACTUAL (1100-880) = 230 = (100+130)
(435/2) = 218
Feburary Mon
Tue
Wed
Thurs
Fri
1
Sat
Sun
Total Expenses
2 3 Link to last month
Income
1600
Income Expenses
1135
1135 = 1600-300-165
4 11
5 12 25
6 13
7 100
8 60
9 40
10 100
300
14
15 40
16
17 100
165
1600
700
700 = 1600-800-100
18 25
19 400
20
26
27
21 260
22
28
1
23 2
24 140
800
3 100
100
ROUND RENT Estimate
917.5
RENT Actual
920
918 = 1135-218
482.5
480
483 = 700-218
SAVINGS INVESTMENTS
100
115
Total - Rent/mortgage above / # of weeks
1835 435
217.5
1400
1400
465
215 = 100+115 465 = 300+165 215 = 1135-920
100
120
900
220 = 100+120 900 = 800+100 220 = 700-480
1600 Totals
MONEY NEEDED FOR NEXT WEEK EXPENSES BEFORE PAYCHECK
200
235
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