This budget is a simple way to guide your spending within three main categories that align with your soul values. It may be incrementally improved by checking in on a weekly basis. For example, by spending less and directing those funds to greater savings or paying off debt, you may reach your financial goals faster. Or your desire may be for more travel rather than more expensive housing. You may find you need to downsize your desires or pick up a side gig. It allows you to make adjustments in line with your values. If you have trouble making your budget work, you’ll need to spend less in the “wants” category first. This may be obvious, but when you spend money on things, you will end up with things and not money.

Monthly After-tax Income: $__________________

Category Target Values Actual Values
Needs (50% of Total) $__________________ $__________________
Wants (30% of Total) $__________________ $__________________
Savings (20% of Total) $__________________ $__________________

Needs (50% of Total)

Housing $__________________
Utilities $__________________
Phone $__________________
Food $__________________
Healthcare $__________________
Transportation $__________________
Childcare $__________________
Insurance $__________________
Debt Payments $__________________
Total $__________________   Is this 50%?

Wants (30% of Total)

Hobbies $__________________
Travel $__________________
Music $__________________
Self-Care $__________________
Books $__________________
Creativity $__________________
Relationships $__________________
Health $__________________
Entertainment $__________________
Retreats $__________________
Home $__________________
Total $__________________   Is this 30%?

Savings (20% of Total)

Savings Account $__________________
Emergency Reserves $__________________
Debt Repayment $__________________
Retirement $__________________
Intermediate Goals $__________________
Car $__________________
Education $__________________
Total $__________________   Is this 20%?