Cal Maritime Career Guide

Creating a Budget

EXPENSES

MONTHLY TOTAL

$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $

Housing Costs (Rent/Mortgage/Taxes) Utilities (Electric/Gas/Water/Sewage, etc.)

HOME

Internet/Cable/Netflix

Groceries

Laundry/Cleaning Public Transportation

Car Loan Insurance

TRANSPORTATION

Parking/Tolls

Car Repair/Maintenance

Gas

Student Loans Credit Cards

BILLS

Cell Phone

Subscriptions

Doctor Appointments/Co-Payments

Prescriptions

HEALTH

Gym Membership

Over-the-Counter Medication

Movies/Concerts

Dining Out

Travel/Vacation

ENTERTAINMENT & PERSONAL

Clothing

Personal Hygiene

Gifts

MISCELLANEOUS (pets, childcare, charity, etc.)

TOTAL MONTHLY EXPENSES

Total Monthly Income Minus Monthly Expenses

Monthly Savings

Personal Debt ..........10% – 20% Housing ....................20% – 35% Food ..........................15% – 30% Transportation .........6% – 20% Utilities ......................4% – 7%

RECOMMENDED BUDGET STRATEGY

19

I I

EER G ID

I

I

19

2016 CAL MARITIME CAREER GUIDE — NAVIGATING YOUR CAREER PATH