1. Income $_______Income #1 $_______ Monthly gross - beore taxesIncome #2 $_______ Monthly gross - beore taxesOther $_______ Rental, investment

 2. Giving $_______ 10%

Church $_______Other $_______

3. Saving $_______ 10%Emergency $_______Retirement $_______ 401-K, 403b, IRACollege $_______

4. Taxes $_______ 20%Federal $_______ Use actual amount rom pay stubState $_______ Use actual amount rom pay stubSocial Security $_______ Use actual amount rom pay stubMedicare $_______ Use actual amount rom pay stub

 5. Debt $_______ 10%

IRS $_______Credit Card #1 $_______ 3% o balance paid monthly (CCCS)Credit Card #2 $_______ Minimum monthly paymentCredit Card #3 $_______ Minimum monthly paymentCredit Card #4 $_______ Minimum monthly paymentCredit Card #5 $_______ Minimum monthly paymentCar #1 $_______ Minimum monthly paymentCar #2 $_______ Minimum monthly paymentStudent Loans $_______ Minimum monthly paymentOther $_______ Minimum monthly payment

6. Housing $_______Mortgage/Rent $_______Home Insurance $_______ May be part o home mortgageProperty Taxes $_______ May be part o home mortgageMaintenance $_______Electricity $_______ Average or 12 monthsGas $_______ Average or 12 monthsWater $_______ Average or 12 months

 Actual Monthly Spending 

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Trash $_______Phone $_______ Association Dues $_______ Average or 12 months.

 7. Transportation $_______

 Auto Insurance $_______ Average or 12 monthsRegistration/License $_______ Average or 12 monthsGasoline $_______ Toll & Parking $_______Oil & Maintenance $_______Other $_______

8. Insurance $_______Health $_______Dental $_______Lie $_______Disability $_______Other $_______

9. Food & Household $_______ Groceries/household items you would buy at 

10. Health $_______Fitness $_______ Gym, Sports LeaguesMedical Expenses $_______ Doctor, dentist, chiropractor, prescriptionsCounselor $_______Other $_______

11. Personal $_______Child Care $_______Education $_______ Tuition & supplies (books, uniorms, etc.)Beauty & Barber $_______ Haircuts, nails and the spaClothes $_______Household Décor $_______ Furniture, decor, home improvementsCell Phone $_______Gits $_______ Christmas, birthday, anniversary Cleaning $_______ Dry cleaning, laundry, house cleaningFinancial Services $_______ Tax prep, sotware, fnancial planningSecurity System $_______Pest Control $_______  2

 Actual Monthly Spending 

 

Landscaping $_______ Lawn service, plants, lawn care suppliesPets $_______ Food and careOther $_______

12. Entertainment $_______Vacation $_______ Family trips, summer activitiesEating Out $_______Events $_______ Movies, theater, showsReading $_______ Books, magazines, newspaperTV $_______ Cable, satellite, TiVO, rentals, equipmentTechnology $_______ Computer, peripherals, sotware, PDAInternet $_______ DSL, cable modem, dial-upMusic $_______ iPod, albums, downloads, satellite radioOther $_______

13. Cash $_______

MARGIN $_______

I negative, reduce expenses starting rom the bottom and working up. I positive, rollinto giving or saving.

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 Actual Monthly Spending