Step 3 of 7
Budget vs. actual
A budget works only if you compare it with what really happened. Fill this in at the end of each month.
Housing or household share
Food and groceries
Transportation
Bills and load
Family support
Debt payments
Wants and fun
Savings and investing
Total budget
₱0
Total actual
₱0
Difference
₱0
Why budgets and real life differ
Planners see the same four reasons again and again. Find yours, then adjust next month.
Impulse buys
Sales, cravings and "sulit" deals you didn't plan for.
Income changed
Less overtime, a late client payment or fewer commissions.
Unusual events
A repair, a sick day, a wedding or a typhoon.
Gifts and occasions
Birthdays, binyag, Christmas and pasalubong.