Personal template · 28 topics
Personal budget mind map template
A personal budget mind map with income, fixed costs, flexible spending, savings and debt, to see where your money goes each month.
Who it is for
- Someone building a first monthly budget after starting a job.
- A couple or flatmates agreeing how to split shared costs.
- A person saving for a goal who needs to find spending to cut.
How to use it
- Open the template and put the month in the central topic.
- Replace each example with your real amounts, starting with income and fixed costs.
- Fill Month end on the last day, then adjust next month's flexible spending.
The outline
Every topic in the template, as it opens in the editor.
Personal budget
- Income
- Take-home pay
- Side income
- Irregular money: refunds, gifts
- Fixed costs
- Rent or mortgage
- Utilities and internet
- Insurance
- Phone and subscriptions
- Transport
- Flexible spending
- Groceries
- Eating out
- Clothes
- Fun and hobbies
- Savings
- Emergency fund: three months of costs
- This year's goal, and its date
- Retirement
- Debt
- Balances and interest rates
- Minimum payments
- The one to clear first
- Month end
- Left over or short
- Biggest surprise
- One cost to cut next month
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