Personal Budget aiming to live within income and save
Budget Items Estimated Value
Medical Aid – hospital plan; planned medicine
Funeral cover
Retirement funding
Roof
Food
Electricity and water
Transport
Clothes – don’t forget school clothes
Cell phone
Life insurance
Debt payment – try to keep this to zero
Total Expenses 1
Basic pay minus tax and benefits 2
Available for Saving from basic income 3=2-1
Allowances 4
Average Overtime 5
Available for saving for studies and luxuries 6=3+4+5
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