The second thing we need to do is to find out how much money you actually spend each month again include everything even those items that your spouse does not know about like that Latte down at the coffee stand, that you get on a daily basis. It helps to break this down a little. Fixed nonnegotiable expenses, things we actually cannot do without, we all need food lodging medical care basic clothing insurance property taxes a car may be necessary where you live, you get the idea.
Worksheet _ Weekly Expenses Report_ The weekly expenses worksheet is where you will list all your spending for the week. This includes things you buy using cash, check, or credit card. At the end of the week you will transfer these transactions to your Monthly Expense Record.