Income Name Pre-Ded Post-Ded.

Percent-Ded Pay
Company Person 1 $1,500.00 $1,500.00 0.00% Period
Company Person 2 $1,500.00 $1,500.00 0.00% 1
1
Semi-Monthly $3,000.00 $3,000.00 0.00% 1
Monthly $6,000.00 $6,000.00 0.00% 1

Annum. $72,000.00 $72,000.00 0.00% 1

1

Living Expenses - Monthly 1

Grocery $300.00 1
Gasoline $120.00 1

Person 1 $100.00 1
Person 2 $100.00 1
Misc $100.00 1

Misc $100.00 1
Total - Living $820.00 2
2

Current Balances 2
(Info. Only) Amt 2
Checking $1,000.00 2

Account $500.00 2
Account $400.00 2

Account $200.00 2
1+2
Total Liq. Cash $2,100.00
Total Non-Revolving
Savings (Monthly) $400.00 Total Revolving Min
Yearly Savings $4,800.00
PP1 Surplus

Total Pay Period 1 Expenses 2155 PP2 Surplus

Total Pay Period 2 Expenses $1,725.00 Monthly Surplus

Total Monthly Expenses 3880 Yearly Surplus

 Monthly Expenses Pay Credit Cards
Non-Revolving Period Revolving Min Pay
Mortgage 1 $800.00 1 Citicard $60.00
Mortgage 2 $0.00 1 Discover $160.00
Gas $50.00 1 Sears $50.00
Electricity $75.00 1 Kohls $0.00

Water/Sewer $50.00 1 Walmart $25.00

Car Insurance $325.00 1 WAMU $0.00

Car Payment $0.00 1 CareCredit $150.00

Bill $0.00 1 Fink's $0.00
Bill $0.00 1

Bill $0.00 1 Total - Pay Period 1 $445.00

Bill $0.00 2 USAA $0.00
2 BOA - Visa $325.00

Total - Pay Period 1 $1,300.00 2 Capital One $0.00

Cable/Internet $100.00 2 Ann Taylor $25.00
Student Loans $300.00 2 Best Buy $0.00

Cell Phone $75.00 2 Gap $0.00

Bill $0.00 2 Victoria's Secret $0.00
Bill $0.00 2 Chase $90.00

Bill $0.00 2 BOA - Amex $0.00

2

Total - Pay Period 2 $475.00 2 Total - Pay Period 2 $440.00

Total Non-Revolving $1,775.00 1+2 Total Revolving Min $885.00

Total Non-Revolving $1,775.00

Total Revolving Min $885.00

PP1 Surplus $845.00

PP2 Surplus $1,275.00

Monthly Surplus $2,120.00

Yearly Surplus $25,440.00

 Card Balance Interest Rate Min Payment Interest on Bal. Next Mo's Bal

Capital One $1,000.00 9.91% $0.00 $8.26 $1,008.26

Citicard $3,000.00 5.99% $60.00 $14.98 $2,954.98
USAA $500.00 15.90% $0.00 $6.63 $506.63
Bank of America $750.00 7.24% $325.00 $4.53 $429.53
Discover $7,500.00 0.00% $160.00 $0.00 $7,340.00
Sears $1,000.00 0.00% $50.00 $0.00 $950.00
Gap $100.00 18.00% $0.00 $1.50 $101.50
Kohl's $50.00 18.00% $0.00 $0.75 $50.75
Victoria's Secret $50.00 18.00% $0.00 $0.75 $50.75
Walmart $450.00 0.00% $25.00 $0.00 $425.00
Ann Taylor $150.00 19.80% $25.00 $2.48 $127.48
Best Buy $2,000.00 19.80% $0.00 $33.00 $2,033.00
Chase $3,000.00 4.24% $90.00 $10.60 $2,920.60
Fink's $200.00 21.98% $0.00 $3.66 $203.66
WAMU $0.00 28.24% $0.00 $0.00 $0.00
BOA Amex $250.00 15.99% $0.00 $3.33 $253.33
CareCredit $600.00 0.00% $150.00 $0.00 $450.00

Total Debt = $20,600.00 Total Min Pay = $885.00 Next Mo's Total= $19,805.45
Person 1 $16,550.00 $645.00 $72.86 $15,977.86
Person 2 $4,050.00 $240.00 $17.59 $3,827.59
Total Interest $90.45
 Who? Limit Ratio Promo Exp. Post-Rate
1-Month 2-Months
Balance Interest Balance
Person 1 $2,500.00 40.00% $1,008.26 $8.33 $1,016.58
Person 1 $21,900.00 13.70% $2,954.98 $14.75 $2,909.73
Person 1 $6,500.00 7.69% $506.63 $6.71 $513.34
Person 1 $7,700.00 9.74% $429.53 $2.59 $107.12
Person 1 $8,000.00 93.75% 5/13/2010 $7,340.00 $0.00 $7,180.00
Person 1 $2,880.00 34.72% 10/20/2009 0.2 $950.00 $0.00 $900.00
Person 1 $2,000.00 5.00% $101.50 $1.52 $103.02
Person 1 $1,500.00 3.33% $50.75 $0.76 $51.51
Person 1 $800.00 6.25% $50.75 $0.76 $51.51
Person 1 $1,200.00 37.50% 3/11/2010 $425.00 $0.00 $400.00
Person 1 $1,250.00 12.00% $127.48 $2.10 $104.58
Person 1 $2,500.00 80.00% $2,033.00 $33.54 $2,066.54
Person 2 $5,700.00 52.63% $2,920.60 $10.32 $2,840.92
Person 2 $3,600.00 5.56% $203.66 $3.73 $207.39
Person 2 $1,300.00 0.00% $0.00 $0.00 $0.00
Person 2 $13,900.00 1.80% $253.33 $3.38 $256.71
Person 2 $4,000.00 15.00% 11/1/2009 0.22 $450.00 $0.00 $300.00

Total Credit $87,230.00

23.62% $19,805.45 $88.50 $19,008.95
Person 1 $58,730.00 28.18% 1-Month 2-Months
Person 2 $28,500.00 14.21%
2-Months 3-Months 4-Months 5-Months 6-Months
Interest Balance Interest Balance Interest Balance Interest Balance Interest
$8.40 $1,024.98 $8.46 $1,033.44 $8.53 $1,041.98 $8.61 $1,050.58 $8.68
$14.52 $2,864.25 $14.30 $2,818.55 $14.07 $2,772.62 $13.84 $2,726.46 $13.61
$6.80 $520.14 $6.89 $527.03 $6.98 $534.01 $7.08 $541.09 $7.17
$0.65 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
$0.00 $7,020.00 $0.00 $6,860.00 $0.00 $6,700.00 $0.00 $6,540.00 $0.00
$0.00 $850.00 $0.00 $800.00 $0.00 $750.00 $0.00 $700.00 $0.00
$1.55 $104.57 $1.57 $106.14 $1.59 $107.73 $1.62 $109.34 $1.64
$0.77 $52.28 $0.78 $53.07 $0.80 $53.86 $0.81 $54.67 $0.82
$0.77 $52.28 $0.78 $53.07 $0.80 $53.86 $0.81 $54.67 $0.82
$0.00 $375.00 $0.00 $350.00 $0.00 $325.00 $0.00 $300.00 $0.00
$1.73 $81.30 $1.34 $57.65 $0.95 $33.60 $0.55 $9.15 $0.15
$34.10 $2,100.64 $34.66 $2,135.30 $35.23 $2,170.54 $35.81 $2,206.35 $36.40
$10.04 $2,760.96 $9.76 $2,680.71 $9.47 $2,600.18 $9.19 $2,519.37 $8.90
$3.80 $211.19 $3.87 $215.06 $3.94 $219.00 $4.01 $223.01 $4.08
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
$3.42 $260.13 $3.47 $263.59 $3.51 $267.11 $3.56 $270.67 $3.61
$0.00 $150.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

$86.54 $18,427.73 $85.88 $17,953.61 $85.88 $17,629.49 $85.88 $17,305.37 $85.88

2-Months 3-Months 4-Months 5-Months 6-Months
 Amortization
7-Months 8-Months 9-Months 10-Months 11-Months
Balance Interest Balance Interest Balance Interest Balance Interest Balance
$1,059.26 $8.75 $1,068.01 $8.82 $1,076.83 $8.89 $1,085.72 $8.97 $1,094.69
$2,680.07 $13.38 $2,633.44 $13.15 $2,586.59 $12.91 $2,539.50 $12.68 $2,492.18
$548.26 $7.26 $555.52 $7.36 $562.88 $7.46 $570.34 $7.56 $577.90
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
$6,380.00 $0.00 $6,220.00 $0.00 $6,060.00 $0.00 $5,900.00 $0.00 $5,740.00
$650.00 $0.00 $600.00 $0.00 $550.00 $0.00 $500.00 $0.00 $450.00
$110.98 $1.66 $112.65 $1.69 $114.34 $1.72 $116.05 $1.74 $117.79
$55.49 $0.83 $56.32 $0.84 $57.17 $0.86 $58.03 $0.87 $58.90
$55.49 $0.83 $56.32 $0.84 $57.17 $0.86 $58.03 $0.87 $58.90
$275.00 $0.00 $250.00 $0.00 $225.00 $0.00 $200.00 $0.00 $175.00
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
$2,242.75 $37.01 $2,279.76 $37.62 $2,317.38 $38.24 $2,355.61 $38.87 $2,394.48
$2,438.27 $8.62 $2,356.89 $8.33 $2,275.22 $8.04 $2,193.26 $7.75 $2,111.01
$227.10 $4.16 $231.26 $4.24 $235.49 $4.31 $239.81 $4.39 $244.20
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
$274.27 $3.65 $277.93 $3.70 $281.63 $3.75 $285.38 $3.80 $289.19
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

$16,996.95 $86.15 $16,698.11 $86.59 $16,399.69 $87.03 $16,101.73 $87.49 $15,804.22

7-Months 8-Months 9-Months 10-Months 11-Months
11-Months 12-Months 13-Months 14-Months 15-Months
Interest Balance Interest Balance Interest Balance Interest Balance Interest
$9.04 $1,103.73 $9.11 $1,112.84 $9.19 $1,122.03 $9.27 $1,131.30 $9.34
$12.44 $2,444.62 $12.20 $2,396.82 $11.96 $2,348.78 $11.72 $2,300.51 $11.48
$7.66 $585.56 $7.76 $593.32 $7.86 $601.18 $7.97 $609.14 $8.07
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
$0.00 $5,580.00 $0.00 $5,420.00 $0.00 $5,260.00 $0.00 $5,100.00 $0.00
$0.00 $400.00 $0.00 $350.00 $0.00 $300.00 $0.00 $250.00 $0.00
$1.77 $119.56 $1.79 $121.36 $1.82 $123.18 $1.85 $125.02 $1.88
$0.88 $59.78 $0.90 $60.68 $0.91 $61.59 $0.92 $62.51 $0.94
$0.88 $59.78 $0.90 $60.68 $0.91 $61.59 $0.92 $62.51 $0.94
$0.00 $150.00 $0.00 $125.00 $0.00 $100.00 $0.00 $75.00 $0.00
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
$39.51 $2,433.99 $40.16 $2,474.15 $40.82 $2,514.97 $41.50 $2,556.47 $42.18
$7.46 $2,028.46 $7.17 $1,945.63 $6.87 $1,862.51 $6.58 $1,779.09 $6.29
$4.47 $248.67 $4.55 $253.23 $4.64 $257.86 $4.72 $262.59 $4.81
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
$3.85 $293.04 $3.90 $296.94 $3.96 $300.90 $4.01 $304.91 $4.06
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

$87.97 $15,507.19 $88.45 $15,210.64 $88.95 $14,914.59 $89.46 $14,619.05 $89.99

11-Months 12-Months 13-Months 14-Months 15-Months
Student Loans Balance Interest Rate Min Payment Interest on Bal. Next Mo's Bal
1 $4,000.00 6.80% $60.00 $22.67 $3,962.67
2 $4,000.00 6.80% $60.00 $22.67 $3,962.67
3 $3,500.00 3.95% $40.00 $11.52 $3,471.52
4 $4,500.00 2.48% $75.00 $9.30 $4,434.30
5 $4,500.00 2.48% $75.00 $9.30 $4,434.30
6 $2,500.00 2.48% $50.00 $5.17 $2,455.17
7 $400.00 2.48% $10.00 $0.83 $390.83
8 $500.00 2.48% $10.00 $1.03 $491.03
9 $400.00 2.48% $10.00 $0.83 $390.83
10 $150.00 2.48% $10.00 $0.31 $140.31
11 $800.00 2.48% $10.00 $1.65 $791.65
12 $171.51 0.48% $10.00 $0.07 $161.58
13 $999.41 2.48% $10.00 $2.07 $991.48
Total $26,420.92 $430.00 $87.40 $26,078.32