Bank of Hampton Roads and our community service partners, NewsChannel 3 and American Consumer Credit Counseling, are pleased to provide you with this tool to help you determine your household budget. A budget can show you where your money goes each month and help you save for future goals. Knowing what your income and expenses are gives you a better handle on your financial situation. Use this worksheet to determine your income and expenses, and disposable income percentage. Include all monthly expenses and take home income (do not include expenses already deducted from your take home pay). If you need another category, "borrow" a line that is not in use. Not all households will use all items. Be as accurate as possible.