ESL Book 4 Reading Course: Creating a Family/ Personal Budget: Dollars & Sense! Income Income from unemployment or work 2nd Job/Spouse income from unemployment or work Total monthly income Needs Rent/Lease or Mortgage Telephone/Ce ll phone Food Utilities Clothing Medical Care Insurance Transportation Transportation related expenses Necessities (e.g. Toiletries) Total needs expenses Wants Entertainment: Movies Movie Rentals ( e.g Netflix) Hobbies Eating out Tithes/Offering Club/Association Fees Travel Museums Children’s sports/uniforms/shoes Total wants expenses Unexpected fees(CurveBalls!)