Well finally did it, set up my budget using Excel, (I also use Money 2006 as well) so here it is: Keep in mind I do not pay rent but decided to include this in my budget in order to build my EF, money for a down payment on a house and my auto account in case my car breaks down so here we go:

Monthly Income budget Actual Difference
Paycheck 1 $999.40 $0.00 $999.40

Federal $97.41 $0.00 $97.41

SSN Tax $61.96 $0.00 $61.96

MedTax $14.49 $0.00 $14.49

Total $825.54 $0.00 $825.54

Paycheck 2$ 1,183.50 $0.00 $1,183.50

Federal Tax $125.03 $0.00 $125.03

SSN Tax $73.38 $0.00 $73.38

Medicare Tax $17.16 $0.00 $17.16

Total $967.93 $0.00 $967.93

Total $1,793.47 $0.00 $1,793.47


Housing Budgeted Actual Difference
Rent/Mtg $300.00 $0.00 $300.00
Utilites $140.00 $0.00 $140.00
Water $40.00 $0.00 S40.00

Total $480.00 $0.00 $480.00


Car Budgeted Actual Difference
Gas $80.00 $0.00 $80.00

Insurance(qrtly)$188.00 $0.00 $188.00

Mantainencere $5.00 $0.00 $5.00

Total $273.00 $0.00 $273.00

Debts Budgeted Actual Difference
Merrick Bank $52.00 $0.00 $52.00
Capitol One $33.00 $0.00 $33.00
Household Bank $25.00 $0.00 $25.00
Discover Card $50.00 $0.00 $50.00
Personal loan $100.00 $0.00 $100.00
StudentLN#1 $7.00 $0.00 $7.00
StudentLN #2 $20.00 $0.00 $20.00

Total $287.00 $0.00 $287.00

Miscs Budgeted Actual Difference

Church $20.00 $0.00 $20.00
Food $120.00 $0.00 $120.00 Tuition/Supplies$75.00 $0.00 $75.00 Medicines $10.00 $0.00 $10.00
Entertainment $70.00 $0.00 $70.00
Clothing $0.00 $0.00 $0.00
Haircuts $20.00 $0.00 $20.00
Gifts $20.00 $0.00 $20.00
Cash $50.00 $0.00 $50.00
Other $100.00 $0.00 $100.00

Total $485.00 $0.00 $485.00

Monthly Expense Budgeted Actual Difference Housing $480.00$0.00 $480.00
Car $273.00 $0.00 $273.00
Debts $287.00 $0.00 $287.00
Miscellaneous $485.00 $0.00 $485.00