Benefits CATEGORIES USED IN THE SPENDING TRACKER

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Need help with health care bills

Need help with...

hrnamnegnet...

Disability insurance

Financial support

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SPENDINPGlanTs RI cAanCKER

Eating ocuht ange... Utilities I can reduce...

Habits I can Entertainmencht ange...

Utilities I can resdpuecen...ding.

Utilities I can reduce...

If I don't pay for insurance... port

IhfCoI udesoilnnlg'tpapnhadyofuontrilietie. s...

AnyIffocIrdooobsnlit'gtsaptarioyenlsa...ted to having and using your cell phone.

Eating out

Entertainment

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PeDtsPcRheelasanbonslgvtIeecp...anayment.

DoCnarteiodnsHci&htaabgcniitfagtsserI...dcanpaymentFsin,anpciaalysdupapoyrtloan payments, pawn shop

payments, car title loan payments, and other loan payments.

Primary job Skills I have...

DonationFEes e&GpasrgotoIiivfcgnteasrnrganmamvooeuindt...t.

AnyDmisaebaililtsy ionsrurbanecveerages purcFihnaansceiadl suopupotrstide of the home.

Financial sUuptiplitoierts I can reduce...

Childcare &

Healthcare

Debt payment

Housing &

education

Need help dealing with debt and foreclosure

Entertainment

ENadelaeuwdycheareltpifionndin+g childcare.

utilities

Childcare costs, diapers, school supplies, school materials fees, field trip and other activity fees.

hcare

Financial supDpeobrtt payment

Housing &

PcGsuorGproMpnForgosiopIcnSrivdgealaCeimeerrnr.aircnses...mimsaIl&cesanuntpport MISC.

PlaDnissaI bcailinty insurance utilities HabFitisnaI ncacnial support

cEhaTnnragtnees...rptoartinment. GocinhEaagntigntego...otuht e movies or concEenrttesrt,aisnpmoenrtts equipment/fees, sporting events, lottery tickets, alcohol, books/CDs, subscriptions.

Need help with health care bills

Entertainment

Financial support

Need help with...

Groceries + other supplies.

Food and beverages brought into the home, as well as other supplies: baby formula, haircuts, hygiene items, dry cleaning.

TEranntesrptaoirntment

Personal care

Government

pIfrIodgorna'mt pay for

housing and

Housing &

uFtiniliatniecsia...l support

utilities

CPhFeiiltndsacnacrieal&support education

Housing &

TFreaenssIpcoarnt

utilities avoid...

HEeatainlgtohut ePxeptsenses.

Disability insurance

HIffoeIrdlopobnlii'gtnaptgaioynos...thers.

Housing + uDHtoielnaiatltihieocnsasr.e& gifts

EPaUtetiinlitgtiseos.uItcan reduce...

Co-paEnytmerteainnmtesn,tmedication, eye care, dental care, health insurance

premDoiunamtiosn.s & gifts

Financial support

Financial support

Donations to religious organizations or other charities, gifts.

Rent, mortgage, insurance, property taxes, electricity, gas, water, sewDaegFbienta,pnapcyiahml oseunnptpeo,rttelevision, InHtoeursninegt&service, cell phone.

utilities

FyoouoErdnpt,eehrtateisnam.lethntcare costs, and other costs associated with caring for

HHeoaultshincagre& utilities

MISC.

Plans I can change... Pets

TDraebnt sppayomrent.t

MISC.

OHchaatbnhitgseeI...rca. n

Donations & gifts

Healthcare Disability insurance

Debt payment Financial support

Gas, cHaoruspingay&ment, insurance payment, repairs.

utilities

? Court-ordered expenses (Child Support, restitution, etc.).

?

Financial support

Household supplies (Things for your home like cleaning

supplies, kitchen appliances, furniture, other equipment).

? Savings (Saving for emergencies, goals, back to school

expenses, holiday purchases, children's education, saving for

reHotiurseinmg &ent). utilities

? Tools or other job-related expenses (Tools, equipment, special

clothing, job-related books, machinery, working animals or

livestock, union dues).end of list. end of form.

Eating out

Entertainment

tor

benefits

Skills I have...

health care bills

Fees I can avoid...

Utilities I can reduce...

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Fees I can avoid...If I don't pay fUotirlities I can reduce...

job-related needs...

for insurance...

housing and utilities...

If I don't pay Use this spending tracker to consider Nfeoerdobhleiglpatfiionndsin...g a jNoebed help with...

Need help dealing with debt and foreclosure

Need help finding a lawyer

what is impor tant to you hhcealrpewbiPcitlhlorsongsridaImefrsI...TchhdIaicnoraggnnes'Itfocpar...nayNeed help wPcihtlahan...nsgPcIeorco...nagsnridamIefrs...IIdcaonn't pay for

PchlaHcannhasgabIenci...tgasneI...can

Habits I can change...

If I don't pay

If I don't pay for obligations...

...

for insurance...

housing and utilities...

for obligations...

Things I canSsepll...ending SfkoillsrI htahvee... month oFfe:es I can avoid...

Utilities I can reduce...

Utilities I can reduce...

a

Need help with

Need help with

Need help with...

tor

benefits

health care bills

If I don't pay

1 Get an envelope to collect your receipts. on't ng

pay and

fuotrilities...foPrrimobarlyigjoabtioIffonIrdso...obnli'gt aptaioyns...

Government

Disability insurance

Financial support

Government

prograSmkills I have...

Disabpilriotygrinamsurance

Financial support

Fees I can avoid...

Utilities I can reduce...

2 TcHchhhaaiabnrniggtgseseII...fcocaarn...n

Use the tPcaorobngslriedametrso...I csaonrt your spePcnhladannisgnIegc...aninto the categoriHcehasabnibtgseeI...claonw. Don't forget about bills you share

with others.

3 I can avoid... If I don't pay Utilities IAcatn rmeduocen...IftIhd'osn'et pnaydf,ortotal up eachIf Icdaotne't pgaoy ry.

...

for Ginrsoucerarinesc&e...

Trahnospuosritng and utilities...Eating out for obligations...Entertainment

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Week 3.

consider...

change...

change...

Week 4.

Week 5.

Category totals.

I can ge...

Habits I can Cell phone.

change...

FinPearnsocniaall scuarpeport

SPHkriamllbsaiItrshyaIjvcoeab...n Pets change...

Pets

DDponaeaytbiomFtnesee&GpnsrgoItoi.cvfgtaesrnranammvoeidn...t

Donations & gifts

Financial support

UtDiliitsieasbIilcitayninresduuracen...ce

Financial support

Financial support

Need help dealing with debCt hainlddcafroer&eclosure

EatHienalgthcNaoareleuaewtd.yherelp finding Debt payment

education

Housing & utilities

bility insurance GovernmenFtinancial suppEodrt ucatDioisnability insurance

Financial support

HealthPcocrpEoanrnrgosetreigdarrmteaarims...nImceannt

D+ebct phaPciylhlmdaanecnsngatIerc...ean.

Housing &Habits I can utilities change...

Groceries &

Transport

suppMlIiSeCs. Need help with

MISCE. ntertainment.

Need help with...

heFailnthacnacriealbsiullspport

g out

EntertainmenGot trhoecresruiepsp+lies.

SC.

TFriannanscpioalrtsupport

Eating out

Health

GPeorvseornmalecnatre

expenses.

DisPaebtilsity insurance

tions

&

gifts

program If I don't pay

foFrinancial

suppHoret lpingIf I

don't

pay

hoEunsitnegrtanindmuetinlities... others.for obligations...

Housing & utilities

Pets

Housing + utilitiDeosn. ations & gifts

payment

Childcare & Housing &

Healthcare

education utilities

Transport

PetsE. ating out

Fees I can avoid... Financial support

Utilities I can reduce...

Eating out

Entertainment FDinoanncaitailosnusp&pogrtifts

Financial support Debt payment

Entertainment

Healthcare

Transport.

Debt payment

Housing & utilities

Entertainment

Financial support

Housing & utilities

MISC. PchleaHuatnsntosigluiItesice...iansng &

MISC.

MOIStCh. er.

DoHnabtiiotsnsI c&angifts change...

Financial support

Total spending this month.

Healthcare

Debt payment

Housing & utilities

Consumer Financial Protection Bureau prepared the tools included in the Your Money, Your Goals: Focus on People with Disabilities companion guide as a resource for the public. This material is provided for educational and information purposes only. It is not a replacement for the guidance or advice of an accountant, certified financial advisor, or otherwise qualified professional. The CFPB is not responsible for the advice or actions of the individuals or entities from which you received the CFPB educational materials. The CFPB's educational efforts are limited to the materials that CFPB has prepared.

The tools may ask you to provide sensitive information. The CFPB does not collect this information and is not responsible for how your information may be used if you provide it to others. The CFPB recommends that you do not include names, account numbers, or other sensitive information and that users follow their organization's policies regarding personal information.

This guide includes links or references to third-party resources or content that consumers may find helpful. The Bureau does not control or guarantee the accuracy of this outside information. The inclusion of links or references to third-party sites does not necessarily reflect the Bureau's endorsement of the third-party, the views expressed on the outside site, or products or services offered on the outside site. The Bureau has not vetted these third-parties, their content, or any products or services they may offer. There may be other possible entities or resources that are not listed that may also serve your needs.

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