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FAMILY BUDGET GUIDLINES
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Sometimes it's hard to separate
wants from needs and to practice the self-control necessary to plan for
having life's "extras". The result is dream-shattering debt, and the sad
part is it doesn't have to be that way. It takes time and consistent effort
to learn how to manage money, but it is possible! The best way to get on
track is to create a family budget and stick to it. Check out the budget
guidelines listed below. |
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35% |
Housing —
Spend no more than 35% of net income on housing. That includes:
mortgage or rent, utilities, insurance, taxes and home maintenance. |
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20% |
Transportation
— Spend no more than 20% of net income on transportation. That
includes: car payments, auto insurance, tag or license, maintenance,
gasoline and parking. |
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20% |
Other —
Spend no more than 20% of net income on all other expenses: food,
clothing, entertainment, child care, medical expenses, tithing and charity. |
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15% |
Debt —
Spend no more than 15% of net income on all consumer debt: student
loans, retail installment contracts, credit cards, personal loans, tax debts
and medical debts. |
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10% |
Savings —
Save at least 10% of income throughout your working life. |
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