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Benefits with Scripps Health Inc

Your EAP offers these great resources.

Personal Payday Budget Worksheet

Match your expenses and income—according to each pay period you get in a month—in the table below. Feel free to customize the fields so that they apply to you.

Personal Payday Budget Plan

MONTH: ________________________________

Paycheck 1 Incoming
Paycheck 1
Pay Period (e.g. 1st to 15th):_______________________

Income
Income
ActualProjected
Net Income 1$ ________.____$ ________.____
Net Income 2$ ________.____$ ________.____
Interest/Dividends$ ________.____$ ________.____
Child Support$ ________.____$ ________.____
Benefits$ ________.____$ ________.____
Retirement Pay$ ________.____$ ________.____
Other Income$ ________.____$ ________.____
Other Income$ ________.____$ ________.____
Remainder in Checking$ ________.____$ ________.____
Total Net Income$________.____ $________.____

Savings and Investments
Savings/Investments
ActualProjectedBalance
Emergency Fund$ ________.____$ ________.____$________.____
Special Goals Fund$ ________.____$ ________.____$________.____
College Funds$ ________.____$ ________.____$________.____
Retirement/Investments$ ________.____$ ________.____$________.____
Other$ ________.____$ ________.____$________.____
Total Savings/Investments$________.____$________.____$________.____

Expenses
Expenses
ActualProjectedDue Date
Housing
Rent/Mortgage$ ________.____$ ________.____
Storage$ ________.____$ ________.____
Homeowner's Assoc.$ ________.____$ ________.____
Maintenance$ ________.____$ ________.____
Other$ ________.____$ ________.____
Utilities
Electricity$ ________.____$ ________.____
Gas$ ________.____$ ________.____
Water/Sewer/Trash$ ________.____$ ________.____
Telephone Land Line$ ________.____$ ________.____
Cell Phone$ ________.____$ ________.____
Cable/Satellite$ ________.____$ ________.____
Internet$ ________.____$ ________.____
Other Utilities Combined$ ________.____$ ________.____
Food Costs
Groceries$ ________.____$ ________.____
Lunches (Work)$ ________.____$ ________.____
Dinner Out$ ________.____$ ________.____
Quick Stops$ ________.____$ ________.____
Transportation Costs
Car Payment$ ________.____$ ________.____
Bus Fare/Subway Fare/Taxis$ ________.____$ ________.____
Fuel and Oil$ ________.____$ ________.____
Auto Insurance$ ________.____$ ________.____
Maintenance$ ________.____$ ________.____
Motorcycle Payment$ ________.____$ ________.____
Dependent Care Costs
Child Care$ ________.____$ ________.____
Transportation Costs$ ________.____$ ________.____
School Lunches$ ________.____$ ________.____
Extracurricular Activities$ ________.____$ ________.____
Other$ ________.____$ ________.____
Health Care Costs
Medical/Eye/Dental$ ________.____$ ________.____
Prescriptions$ ________.____$ ________.____
Other$ ________.____$ ________.____
Education Costs
Housing/Board$ ________.____$ ________.____
Tuition/Fees/Books$ ________.____$ ________.____
Other$ ________.____$ ________.____
Clothing Costs
Clothing Purchase$ ________.____$ ________.____
Laundry/Dry Cleaning$ ________.____$ ________.____
Other$ ________.____$ ________.____
Entertainment
Movies/Going Out$ ________.____$ ________.____
Hobbies$ ________.____$ ________.____
Other$ ________.____$ ________.____
Subscriptions
Streaming/Gaming Services$ ________.____$ ________.____
Music/Podcasts/Apps$ ________.____$ ________.____
Magazines/Newspapers$ ________.____$ ________.____
Other$ ________.____$ ________.____
Personal Needs
Haircuts/Beauty$ ________.____$ ________.____
Pets$ ________.____$ ________.____
Religious Tithes/Charity$ ________.____$ ________.____
Gym Membership$ ________.____$ ________.____
Other$ ________.____$ ________.____
Miscellaneous
Checking/ATM Fees$ ________.____$ ________.____
Child Support/Alimony$ ________.____$ ________.____
Gifts$ ________.____$ ________.____
Alcohol/Tobacco Products$ ________.____$ ________.____
Other$ ________.____$ ________.____
Total Expenses$ _______.____$ _______.____

Debt Payments
Debt Payments
ActualProjectedDate Due
Furniture$ ________.____$ ________.____
Credit/Debt$ ________.____$ ________.____
Credit/Debt$ ________.____$ ________.____
Credit/Debt$ ________.____$ ________.____
Credit/Debt$ ________.____$ ________.____
Credit/Debt$ ________.____$ ________.____
Credit/Debt$ ________.____$ ________.____
Total Debt Payments$________.____$________.____

Paycheck 1 Totals
Paycheck 1 TotalsActualProjected
Total Net Income$________.____ $________.____
Total Savings/Investments$________.____ $________.____
Total Expenses$________.____ $________.____
Total Debt Payments$________.____ $________.____
Surplus/Deficit$________.____$________.____


Paycheck 2
Paycheck 2
Pay Period (e.g. 15th to End of the Month):_______________________

Income
Income
ActualProjected
Net Income 1$ ________.____$ ________.____
Net Income 2$ ________.____$ ________.____
Interest/Dividends$ ________.____$ ________.____
Child Support$ ________.____$ ________.____
Benefits$ ________.____$ ________.____
Retirement Pay$ ________.____$ ________.____
Other Income$ ________.____$ ________.____
Other Income$ ________.____$ ________.____
Remainder in Checking$ ________.____$ ________.____
Total Net Income$________.____ $________.____

Savings and Investments
Savings/Investments
ActualProjectedBalance
Emergency Fund$________.____$________.____$________.____
Special Goals Fund$________.____$________.____$________.____
College Funds$________.____$________.____$________.____
Retirement/Investments$________.____$________.____$________.____
Other$________.____$________.____$________.____
Total Savings/Investments$________.____$________.____$________.____

Expenses
Expenses
ActualProjectedDue Date
Housing
Rent/Mortgage$ ________.____$ ________.____
Storage$ ________.____$ ________.____
Homeowner's Assoc.$ ________.____$ ________.____
Maintenance$ ________.____$ ________.____
Other$ ________.____$ ________.____
Utilities
Electricity$ ________.____$ ________.____
Gas$ ________.____$ ________.____
Water/Sewer/Trash$ ________.____$ ________.____
Telephone Land Line$ ________.____$ ________.____
Cell Phone$ ________.____$ ________.____
Cable/Satellite$ ________.____$ ________.____
Internet$ ________.____$ ________.____
Other Utilities Combined$ ________.____$ ________.____
Food Costs
Groceries$ ________.____$ ________.____
Lunches (Work)$ ________.____$ ________.____
Dinner Out$ ________.____$ ________.____
Quick Stops$ ________.____$ ________.____
Transportation Costs
Car Payment$ ________.____$ ________.____
Bus Fare/Subway Fare/Taxis$ ________.____$ ________.____
Fuel and Oil$ ________.____$ ________.____
Auto Insurance$ ________.____$ ________.____
Maintenance$ ________.____$ ________.____
Motorcycle Payment$ ________.____$ ________.____
Dependent Care Costs
Child Care$ ________.____$ ________.____
Transportation Costs$ ________.____$ ________.____
School Lunches$ ________.____$ ________.____
Extracurricular Activities$ ________.____$ ________.____
Other$ ________.____$ ________.____
Health Care Costs
Medical/Eye/Dental$ ________.____$ ________.____
Prescriptions$ ________.____$ ________.____
Other$ ________.____$ ________.____
Education Costs
Housing/Board$ ________.____$ ________.____
Tuition/Fees/Books$ ________.____$ ________.____
Other$ ________.____$ ________.____
Clothing Costs
Clothing Purchase$ ________.____$ ________.____
Laundry/Dry Cleaning$ ________.____$ ________.____
Other$ ________.____$ ________.____
Entertainment
Movies/Going Out$ ________.____$ ________.____
Hobbies$ ________.____$ ________.____
Other$ ________.____$ ________.____
Subscriptions
Streaming/Gaming Services$ ________.____$ ________.____
Music/Podcasts/Apps$ ________.____$ ________.____
Magazines/Newspapers$ ________.____$ ________.____
Other$ ________.____$ ________.____
Personal Needs
Haircuts/Beauty$ ________.____$ ________.____
Pets$ ________.____$ ________.____
Religious Tithes/Charity$ ________.____$ ________.____
Gym Membership$ ________.____$ ________.____
Other$ ________.____$ ________.____
Miscellaneous
Checking/ATM Fees$ ________.____$ ________.____
Child Support/Alimony$ ________.____$ ________.____
Gifts$ ________.____$ ________.____
Alcohol/Tobacco Products$ ________.____$ ________.____
Other$ ________.____$ ________.____
Total Expenses$ _______.____$ _______.____

Debt Payments
Debt Payments
ActualProjectedDate Due
Furniture$ ________.____$ ________.____
Credit/Debt$ ________.____$ ________.____
Credit/Debt$ ________.____$ ________.____
Credit/Debt$ ________.____$ ________.____
Credit/Debt$ ________.____$ ________.____
Credit/Debt$ ________.____$ ________.____
Credit/Debt$ ________.____$ ________.____
Total Debt Payments$________.____$________.____

Paycheck 2 Totals
Paycheck 2 TotalsActualProjected
Total Net Income$________.____ $________.____
Total Savings/Investments$________.____ $________.____
Total Expenses$________.____ $________.____
Total Debt Payments$________.____ $________.____
Surplus/Deficit$________.____$________.____


Monthly Summary
Monthly Summary
CurrentProjected
Monthly Net Income$ ________.____$________.____
Monthly Save/Invest$ ________.____$________.____
Monthly Expenses$ ________.____$________.____
Monthly Debts$ ________.____$________.____
Surplus/Deficit $_______.____ $_______.____
Surplus/Deficit$________.____$________.____

Foster, S. (Revised 2025). Twice per month budget (B. Schuette, Ed.). Raleigh, NC: Workplace Options.

More about this Topics

  • Ways to Save Extra Money

  • Personal Finances and Budgeting

  • Ways to Increase Income and Resources: Checklist

  • Budgeting for Retirement

  • Making a Budget

Other Topics

    • Your Financial Checkup
    • Financial Fitness: Living Within a Realistic Budget
    • Make Your Money Work for You: A Debt Management Plan
    • 8/15/23 Digging Deep
    • Effective Budgeting
    • Save for Emergencies and the Future
    • Budgeting in Uncertain Times
    • Money Management: A Planner
    • Build an Emergency Fund (Part 2)
    • General Budget Worksheet
    • Financial Basics Handbook