Single Mom Sanity Budget Worksheet Demo - Free Printable

Let’s walk through this budget worksheet step by step.

This is a “Single Mom Budget Sanity Worksheet” — it helps someone plan how to spend their monthly income wisely, especially when living on one income. The goal is to avoid chaos and stay calm with money.

The worksheet has three main spending categories, each with a suggested percentage of your total income:

1. Security (15% of Income)
→ This includes: Savings, Insurance, Retirement, Debt Repayment

2. Shelter (30% of Income)
→ This includes: Rent, Insurance (again? maybe home/renter’s insurance), Household Expenses (bills, etc.), Furnishings

3. Sustenance (15% of Income)
→ This likely means food, groceries, eating out — basic needs for staying alive and healthy.

Wait — that adds up to 15% + 30% + 15% = 60% of income.

That means there’s 40% left unaccounted for in these categories. Maybe those are for other things like transportation, childcare, entertainment, or emergencies — but they’re not listed here.

Now, look at the table structure:

- You have columns for:
- Budgeted (how much you PLAN to spend)
- Actual (how much you REALLY spent)
- Remaining Balance (what’s left after subtracting Actual from Budgeted)

At the top, under “Net Monthly Income”, all values are shown as $ - , meaning no numbers are filled in yet.

So right now, this is just a blank template. There’s no actual math to solve because no income amount or expenses are given.

But let’s imagine we had an example to make it real.

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Let’s say the single mom earns $3,000 per month after taxes (that’s her net monthly income).

We’ll calculate what she should budget for each category based on the percentages given.

Step 1: Calculate Security (15% of $3,000)

15% of 3000 = 0.15 × 3000 = $450

She can split this $450 among:
- Savings
- Insurance
- Retirement
- Debt Repayment

(How she splits it is up to her — maybe $100 savings, $50 insurance, $100 retirement, $200 debt repayment — totals $450.)

Step 2: Calculate Shelter (30% of $3,000)

30% of 3000 = 0.30 × 3000 = $900

Split among:
- Rent
- Insurance (maybe renter’s insurance?)
- Household Expenses (electricity, water, internet, phone, etc.)
- Furnishings (new furniture, repairs, etc.)

Example: $600 rent, $50 insurance, $200 bills, $50 furnishings = $900

Step 3: Calculate Sustenance (15% of $3,000)

Again, 15% of 3000 = $450

This is probably for food — groceries, maybe some meals out.

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Now, if she budgets exactly these amounts, and spends exactly them, then:

- Remaining Balance = Budgeted – Actual = $0 for each line.

If she spends less than budgeted, she has leftover money (positive balance).
If she spends more, she goes over budget (negative balance).

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Since the original image shows all zeros (“$ -”), and no income number is given, there is no specific numerical answer to compute.

But if the question is asking: *“What percent of income is allocated in this budget?”* — then we add up the labeled categories:

→ 15% (Security) + 30% (Shelter) + 15% (Sustenance) = 60%

So 60% of income is planned for these three areas.

The remaining 40% isn’t assigned here — maybe it’s for other necessary costs or savings.

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Final Answer:
60%