Salary 1 $1,500

Salary 2 $1,600

Total Income $3,100

EXPENSES

Rent $500

Utilities$50

Food$150

Electricity$50

Gas$30

Cell phones$30

Cable and internet$40

Streaming service$-

Groceries$200

Eating out$50

Entertainment$10

Auto$-

Gas and maintenance$100

Car loan$-

Insurance$50

Registration$30

Other (permits)$50

Total Expenses$1,340

Salary 2: $1,500

Total Income: $4,000

EXPENSES

Rent: $1,200

Utilities:

Electricity: $80

Gas: $40

Cell phones: $70

Cable and internet: $60

Streaming service: $20

Food:

Groceries: $400

Eating out: $150

Entertainment: $100

Auto:

Gas and maintenance: $150

Car loan: $250

Insurance: $100

Registration: $20

OTHER

Savings: $600

Clothes: $100

Total Expenses: $3,340

- Salary 1: $2,800

- Salary 2: $1,400

- Total Income: $4,200

EXPENSES

Utilities

- Electricity: $85

- Gas: $35

- Water: $40

- Cell phones: $60

- Cable and internet: $70

- Streaming service: $15

Food

- Groceries: $450

- Eating out: $120

- Entertainment: $80

Auto

- Gas and maintenance: $100

- Car loan: $220

- Insurance: $90

- Registration: $15

Total Expenses: $1,380

Salary 1: S/ 1,200

Salary 2: S/ 800

Total Income: S/ 2,000

EXPENSES

Rent: S/ 400

Utilities: S/ 150

Electricity: S/ 50

Gas: S/ 30

Cell phones: S/ 40

Cable and internet: S/ 30

Streaming service: S/ 0

Food: S/ 500

Groceries: S/ 400

Eating out: S/ 100

Entertainment: S/ 100

Auto: S/ 0

Gas and maintenance: S/ 0

Car loan: S/ 0

Insurance: S/ 0

Registration: S/ 0

OTHER

Transportation: S/ 150

Education: S/ 100

Salary 2: $1,800

Total Income: $5,000

EXPENSES

Rent: $1,500

Utilities:

Electricity: $100

Gas: $50

Cell phones: $90

Cable and internet: $80

Streaming service: $30

Food:

Groceries: $500

Eating out: $200

Entertainment: $150

Auto:

Gas and maintenance: $200

Car loan: $300

Insurance: $120

Registration: $30

OTHER

Savings: $700

Clothes: $150

Total Expenses: $4,300

Salary 1: $2,500

Salary 2: $1,300

Total Income: $3,800

EXPENSES

Rent: $1,100

Utilities:

Electricity: $75

Gas: $35

Cell phones: $65

Cable and internet: $55

Streaming service: $15

Food:

Groceries: $380

Eating out: $120

Entertainment: $80

Auto:

Gas and maintenance: $130

Car loan: $220

Insurance: $90

Registration: $25

OTHER

Savings: $500

Clothes: $80

Total Expenses: $2,970

Salary 1 S/ 1,400

Salary 2 S/ 1,600

Total Income S/ 3,000

EXPENSES:

RentS/ 300

Electricity S/ 30

Gas S/ 50

Cell phone S/ 100

Cable and internet S/ 0

Streaming service S/ 0

Groceries S/ 500

Eating out S/ 250

Entertainment S/ 0

Gas and maintenance S/ 0

Car loan S/ 0

Insurance S/ 0

Registration S/ 0

Total ExpensesS/ 1,230

INCOME

Salary 1: $2,500

Salary 2: $ 500

Total Income: $3,000

EXPENSES

Rent: $600

Utilities

Electricity: $40

Gas: $20

Cell phones: $40

Cable and internet: $40

Streaming service: $10

Food:

Groceries: $250

Eating out: $50

Entertainment: $40

Auto:

Gas and maintenance: $80

Car loan: $150

Insurance: $60

Registration: $10

OTHER

Personal care: $20

Miscellaneous: $30

Total Expenses: $1,500

Remain

ing Balance (Savings): $1,500

Salary 1: $1,800

Salary 2: $1,200

Total

Income: $3,000

EXPENSES

Rent: $600

Utilities: $40

Food: $120

Electricity: $45

Gas: $25

Cell phones: $35

Cable and internet: $45

Streaming service: $15

Groceries: $180

Eating out: $40

Entertainment: $30

Auto: $100

Gas and maintenance: $80

Car loan: $150

Insurance: $50

Registration: $20

Other (permits): $30

Total Expenses: $1,605

Salary 1: $1,500

Salary 2: $1,600

Total Income: $3,100

EXPENSES

Rent: $500

• Utilities:

  Electricity: $50

  Gas: $30

  Cell phones: $30

  Cable and internet: $40

  Streaming service: $0

• Food:

  Groceries: $200

  Eating out: $50

• Entertainment: $10

• Auto:

  Gas and maintenance: $100

  Car loan: $0 (o$ -)

  Insurance: $50

  Registration: $30

• total expences $1,340

• Salary 1: $2,000

• Salary 2: $1,500

• Total Income: $3,500

EXPENSES

• Rent: $1,200

• Utilities:

  • Electricity: $80

  • Gas: $40

• Cell phones: $70

• Cable and internet: $60

• Streaming service: $20

• Food:

  • Groceries: $400

  • Eating out: $150

• Entertainment: $100

• Auto:

  • Gas and maintenance: $150

  • Car loan: $250

  • Insurance: $100

  • Registration: $20

OTHER

• Savings: $600

• Clothes: $100

• Total Expenses: $3340

• Salary 1: $2,000

• Salary 2: $1,500

• Total Income: $3,500

EXPENSES

• Rent: $900

• Utilities:

  • Electricity: $60

  • Gas: $25

  • Cell phones: $45

  • Cable and internet: $55

  • Streaming service: $25

• Food:

  • Groceries: $300

  • Eating out: $100

• Entertainment: $75

• Auto:

  • Gas and maintenance: $120

  • Car loan: $0

  • Insurance: $80

  • Registration: $15

OTHER

• Gym membership: $40

• Pet supplies: $60

• Total Expenses: $1,900

Salary 1: S/ 6,840

Salary 2: S/ 4,560

Total Income: S/ 11,400

EXPENSES

Utilities

Electricity: S/ 228

Gas: S/ 114

Cell phones: S/ 190

Cable and internet: S/ 228

Streaming service: S/ 57

Food

Groceries: S/ 1,520

Eating out: S/ 380

Entertainment

Entertainment: S/ 266

Auto

Gas and maintenance: S/ 456

Car loan: S/ 950

Insurance: S/ 323

Registration: S/ 76

OTHER

Transportation: S/ 380

Education: S/ 570

Total Expenses: S/ 5,738

BUDGET

INCOME

- Salary 1: S/1,800

- Salary 2:

- Total Income: S/1,800

EXPENSES

- Rent: S/500

- Utilities:

- Electricity: S/76

- Gas: S/56

- Cell phones: S/60

- Cable and internet: S/55

- Streaming service: S/15

- Food:

- Groceries: S/200

- Eating out: S/50

- Entertainment: S/30

- Auto:

- Gas and maintenance:

- Car loan:

- Insurance:

- Registration:

- Total Expenses: S/986

OTHER

- Savings:

- Cat food / Skincare:

Total Left: 1,800 - 986 = S/ 814.

Salary 1: $1,600

Salary 2: $1,800

Total Income: $3,400

EXPENSES

Rent: $900

Utilities: $80

Electricity: $100

Gas: $60

Cell phones: $80

Cable and Internet: $70

Streaming service: $20

Food: $100

Groceries: $600

Eating out: $150

Entertainment: $100

Auto

Gas and maintenance: $200

Car loan: $300

Insurance: $150

Registration: $50

Other: $100

Total Expenses: $3,060

Money left: $340

INCOME

Salary 1: $1,200

Salary 2: $800

Total Income: $2,000

EXPENSES

Rent: $500

Electricity: $50

Gas: $30

Cell phone: $25

Cable and internet: $40

Food: $250

Transportation: $100

Streaming service: $15

Total Expenses: $1,010

Practice the conversation

Landlord: How much is your monthly income?

Tenant: My total monthly income is $2,000.

Landlord: How much do you pay for rent?

Tenant: I pay $500 for rent.

Landlord: How much do you spend on utilities?

Tenant: I spend $50 on electricity and $30 on gas.

Landlord: How much do you spend on food?

Tenant: I spend about $250 on food every month.

Landlord: How much money do you have left after your expenses?

Tenant: I have $990 left after my expenses.

Landlord: That sounds like a good budget.

Tenant: Yes, I try to manage my money carefully.

Salary 1: 3000

Salary 2: 1500

Totam income: 4500

Expenses:

Utilities:

Electricity: 300

Gas: 50

Cell phones: 300

Cable and internet: 120

Food:

Groceries: 300

Eating out: 200

Auto:

Gas and maintenance: 200

Insurance: 150

Other:

Savings: 700

Clothes: 400

Total expenses: 2720