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Phenomenal Worksheet For Budgeting Personal Finances

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Rings _ Rings are such an important symbolic part of the wedding. You do not want to forget the cost associated with them. Typical costs will run between 2 to 5%. The main differences here will be between the metal used and the diamond chosen for the ring. Design rings and signature pieces can often run 2 to 3 times more then a custom made ring. Many jewelers are happy to custom make a ring for you. _ Flowers / Decorations _ There are a variety of expenses in this category which include everything from flowers to reception decorations. Typical costs will run between 6 to 10% of the total budget.

You should be able to document your income, expenses, and (hopefully) savings every month. If your income minus expenses is a positive number, you can relax a little. You still may want to work on your budget so you can save more for an emergency or retirement. If that number comes out negative, you could be in big trouble. Spending more money than you make means you must rely on credit. In turn, this means you are setting yourself up for more trouble because those credit card payments will get higher every month.

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