Figuring Out Your Cost Of Living

Monthly Expenses

expenses paid every month
(estimate cost per month)

Housing
Rent or mortgage__________________
Condominium fees or taxes _________
Power, water, sewage _____________
Heating costs ____________________
Telephone ______________________
Cable __________________________

Food
Groceries & "non-food" ___________
Restaurants & fast food ___________

Clothing
Monthly purchases _______________
Dry cleaning ____________________

Transportation
Car loan or lease ________________
Gas & oil ______________________
Parking _______________________
Bus/taxi _______________________
Car insurance (monthly) ___________

Medical & Insurance
Health Care/Blue Cross ___________
Life insurance (monthly) ___________
Prescriptions ___________________
Recreation
Entertainment, sports, hobbies _______
Liquor & cigarettes _______________
Babysitting _____________________

Contributions
Church & charities _______________

Miscellaneous
Child support ___________________
Daycare _______________________
Personal care & hair ______________
Personal allowances ______________
Bank service charges _____________
Books & magazines ______________
Newspaper ____________________
Other (specify) __________________

Savings &Investments _______
Total Monthly Debt Payments _______

Monthly Expense Total $______



Irregular Expenses

expenses paid annually or irregularly
(estimate cost per year)

Health
Medical __________________________
Dental ___________________________
Optical __________________________
Specialists _______________________

Clothing
Irregular purchases _______________

Insurance (not paid monthly)
Life & disability _________________
Home or tenant _________________
Car___________________________

Memberships
Union or professional______________
Club dues ______________________

Car
Registration_____________________
Tune-ups & repairs_______________

Housing
Maintenance & repairs ____________
Decorating & furniture_____________
Property taxes___________________
Gardening______________________

Recreation
Sports equipment_________________
Children's programs & camps________
Vacations_______________________
Season's tickets___________________

Miscellaneous
Christmas or celebrations____________
Birthdays & other gifts______________
Subscriptions_____________________
School fees & supplies______________
Professional services (vet)____________
Other___________________________

Irregular Expense Total Per Year $_______
Divide by 12 (months) $_______
Monthly Amount for Irregular Expenses $_______
Add:

Monthly Expense Total $_______

Equals:


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Last updated November 11, 2008