Document text
Our weekly budget
Money in, money out, what is left — every amount turned into a weekly figure
Household: [NAMES]
Budget from: [DATE]
Money in and out each week
Each week Amount
Take-home pay (after tax, KiwiSaver and student loan), all earners NZ$ [AMOUNT]
Other money coming in (e.g. Working for Families, board, benefits) NZ$ [AMOUNT]
Rent or mortgage, rates NZ$ [AMOUNT]
Power, gas, internet and phone NZ$ [AMOUNT]
Groceries and household NZ$ [AMOUNT]
Petrol, bus, parking, WOF and rego NZ$ [AMOUNT]
Insurance (house, contents, car, health) NZ$ [AMOUNT]
Debt repayments (loans, credit card, buy now pay later) NZ$ [AMOUNT]
Kids (school, childcare, sport) NZ$ [AMOUNT]
Everything else (takeaways, subscriptions, gifts, fun) NZ$ [AMOUNT]
What is left
Amount
Money in NZ$ [AMOUNT]
Money out NZ$ [AMOUNT]
Left over each week NZ$ [AMOUNT]
Left over each month (× 52 ÷ 12) NZ$ [AMOUNT]
Left over in a year (× 52) NZ$ [AMOUNT]
Housing as a share of money in [%]
Turning bills into a weekly amount Weekly × 1 · Fortnightly × ½ · Monthly × 12 ÷ 52 · Quarterly × 4 ÷ 52 · Yearly ÷ 52 Example: power NZ$260 a month = 260 × 12 ÷ 52 = NZ$60 a week. Rego and WOF once a year: divide by 52.
Savings goals
Goal Amount By Each week
[GOAL] NZ$ [AMOUNT] [DATE] NZ$ [AMOUNT]
[GOAL] NZ$ [AMOUNT] [DATE] NZ$ [AMOUNT]
[GOAL] NZ$ [AMOUNT] [DATE] NZ$ [AMOUNT]
[GOAL] NZ$ [AMOUNT] [DATE] NZ$ [AMOUNT]
Four-week check
Group Budget Week 1 Week 2 Week 3 Week 4
Housing NZ$ [AMOUNT]
Power and phone NZ$ [AMOUNT]
Food NZ$ [AMOUNT]
Transport NZ$ [AMOUNT]
Insurance NZ$ [AMOUNT]
Debt NZ$ [AMOUNT]
Kids NZ$ [AMOUNT]
Everything else NZ$ [AMOUNT]
Our money rules
Pay day: savings and bills go out first, by automatic payment.
One account for bills, one for spending.
If a week goes over, we look at 'Everything else' first.
Money left over goes to the emergency fund until it is full.
Our own numbers: the examples are not averages and not advice. Free, confidential budgeting help in New Zealand: MoneyTalks 0800 345 123.