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2016 CAL MARITIME CAREER GUIDE — NAVIGATING YOUR CAREER PATH
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Creating a Budget
Personal Debt
..........10% – 20%
Housing
....................20% – 35%
Food
..........................15% – 30%
Transportation
.........6% – 20%
Utilities
......................4% – 7%
EXPENSES
MONTHLY TOTAL
HOME
Housing Costs (Rent/Mortgage/Taxes)
$
Utilities (Electric/Gas/Water/Sewage, etc.)
$
Internet/Cable/Netflix
$
Groceries
$
Laundry/Cleaning
$
TRANSPORTATION
Public Transportation
$
Car Loan
$
Insurance
$
Parking/Tolls
$
Car Repair/Maintenance
$
Gas
$
BILLS
Student Loans
$
Credit Cards
$
Cell Phone
$
Subscriptions
$
HEALTH
Doctor Appointments/Co-Payments
$
Prescriptions
$
Gym Membership
$
Over-the-Counter Medication
$
ENTERTAINMENT
& PERSONAL
Movies/Concerts
$
Dining Out
$
Travel/Vacation
$
Clothing
$
Personal Hygiene
$
Gifts
$
MISCELLANEOUS
(pets, childcare,
charity, etc.)
$
$
$
TOTAL MONTHLY EXPENSES
$
Total Monthly Income
$
Minus Monthly Expenses
$
Monthly Savings
$
RECOMMENDED
BUDGET STRATEGY