Personal Money Management - Budget Worksheet - AFTER Income Form Page 1:

Income # Income # Income # $6,790 1 From 2 From 3 From SEAN JENNIFER Deposited into Account Deposited into Account Deposited into Account

$3,165 checking $3,625 checking NET checking

4 Take Home Pay Per Month

BILL ACCOUNT
NO CHECK-CARD ACCESS

Less the following :

$4,566
All outgoing monthly checking withdrawals; both monthly and irregular

Account #____________________
5 Less Per Month 6 $1,159 7 $194 8 INC 9 $60 10 $260 11 $168 12 13 14 15 16 17 18 19 20 $27 $0 $0 $59 $0 $0 $0 for for for for for for for for for for for for for for for for for for

MORTG/RENT $137,000 GAS/ELECTRIC PROPERTY TAXES WATER BILL HOME/AUTO INSURANCE CABLE/NET/LAND LINE LICENSE TABS FOR AUTO CHILD CARE SECURITY SYSTEM (ADT?) CELL PHONES GYM/HEALTH CLUB DONATIONS KIDS COLLEGE AFTER NET PAY EXPENSES: CHILD SUPPORT MEDICAL INSURANCE LIFE INSURANCE

$900 $323 $398 $90 $145 $150 $110 $25 $192 $25

ALL DEBTS LISTED BELOW: for 2ND MORTGAGE for for for for for for for for for for for for for
$2,780 $737 $3,517

24
74,448 4,522 8,352 2,136 6,103 4,342 900 5,640 7,648 950 BALANCE BALANCE BALANCE BALANCE

CAR PAYMENT CAR PAYMENT DFCU LOC DFCU VISA CAPITAL ONE CAPITAL ONE MACY'S B OF AMERICA HOME DEPOT

21 $200 22 $0 23 $81 $200 25 26 $200 27 27

Secured Unsecured Total

$224,322 $27,719 $252,041

Less Per Month

$200 for $0 for

Regular Savings #1 account #____________________

for for

HOME MAINTENANCE HOME IMPROVEMENTS

Less Per Month

$50 for $25 for

Special Savings #1 account #____________________

$25 for $100 for

AUTO MAINTENANCE AUTO MAINTENANCE

SAVING NEXT AUTO SAVING NEXT AUTO

BONUS Less Per Month Holiday Savings #1 account #____________________ TAX RETURN 28 $25 for B-DAYS-ANNIVERSARY $20 for SHOWERS-GRADUATIONS 28 $5 for MOTHER'S-FATHER'S-DAY $200 for X-MAS-VALENTINE'S DAY $0 29

Less Per Month

$0 for

Money Market Account #____________________

(WHAT ABOUT 6-8 MONTHS BILLS?)

EMERGENCY SAVINGS

for

$1,824 30 Cash Left Per Month

Income Form Page 2

SPENDING CHECKING ACCOUNT PARTNER 1 WITH CHECK-CARD ACCESS $1,824 31 Carryover Cash Left Per Month

Account #____________________
JENNIFER

Less the following :

$1,094 32 Less Per Month
All outgoing monthly checking withdrawals; both monthly and irregular

CHECKING ACCOUNT 2
for for for for for for for for for for

33 $80 34 $400 35 $0 36 $40 37 $160 38 $28 39 40 41 42 43 44 45 46 47 47 47 47 $40 $40 $6 $40 $100 $160 $0 $0

for for for for for for for for for for for for for for for for for for

DIVIDE TOTAL PER MONTH IN THIS CHECKING ACCOUNT BY 4 WEEKS ????/4= ???? WEEK TO SPEND

GAS FOR AUTO GROCERIES WAS 700 LAUNDRY DRY CLEANING DINNERS/LUNCHE WAS 240 MONTHLY PRESCRIPTIONS HAIRCUT MONTHLY KIDS ALLOWANCE CAR WASHES MONTHLY PET EXPENSES BEAUTY SUPPLIES (TARGET? DRUG STORE?) ENTERTAINMENT WAS 200 PARKING OR BUS FEES CASH WAS 80 OTHER 0 OTHER 0 OTHER OTHER 0

OTHER OTHER OTHER OTHER OTHER OTHER OTHER OTHER OTHER OTHER

47 47 47 47 47 47 47 47 47 47

WHAT AM I PERSONALLY GOING TO DO ABOUT MY OWN RETIREMENT?

% OF GROSS INCOME SAVED BY EMPLOYER % OF GROSS INCOME SAVED BY ME SHOULD BE 10%-15% OF GROSS INCOME $ AFTER TAX AMOUNT MONTHLY BEING SAVED (CONSIDER A ROTH IRA)

$0 48 48 $38 49 50

Less Per Month

$0 for $0 for

Regular Savings #2 account #____________________

$0 for $0 for

(FLEXABLE SPENDING ACCOUNT AT WORK?)

MEDICAL EVENTS DENTAL EVENTS

VISION EVENTS
(GLASSES EVERY 2 YEARS?)

Less Per Month

$25 for $13 for

Special Savings #2 account #____________________

for for

HAIR EVENTS (COLOR, PERM?) PET EVENTS (VET, GROOMER?)

Less Per Month Holiday Savings #2 account #____________________ BONUS TAX RETURN CLOTHING EVENTS (KIDS) 51 $50 for CLOTHING EVENTS (SELF) $100 for 51 $0 for CLOTHING EVENTS (SPOUSE) for
$0 52

Less Per Month

for

IRA Account 1 account #____________________

for

$692 53 Cash Left Per Month

Income Form Page 3 :

SPENDING CHECKING ACCOUNT PARTNER 2 WITH CHECK-CARD ACCESS $692 54 Carryover Cash Left Per Month

Account #____________________
SEAN

Less the following :

$669 55 Less Per Month
All outgoing monthly checking withdrawals; both monthly and irregular

CHECKING ACCOUNT 3
for for for for for for for for for for

33 $240 34 WIFE 35 $0 36 WIFE 37 $300 38 $0 39 40 41 42 43 44 45 46 47 47 47 47 $25 $0 $24 $0 $0 $80 $0 $0

for for for for for for for for for for for for for for for for for for

DIVIDE TOTAL PER MONTH IN THIS CHECKING ACCOUNT BY 4 WEEKS ????/4= ???? WEEK TO SPEND

GAS FOR AUTO GROCERIES LAUNDRY DRY CLEANING DINNER/LUNCHES WAS 440 MONTHLY PRESCRIPTIONS HAIRCUT MONTHLY KIDS ALLOWANCE CAR WASHES MONTHLY PET EXPENSES BEAUTY SUPPLIES (TARGET? DRUG STORE?) ENTERTAINMENT WAS 220 PARKING OR BUS FEES CASH OTHER 4 OTHER 4 OTHER OTHER 0

OTHER OTHER OTHER OTHER OTHER OTHER OTHER OTHER OTHER OTHER

47 47 47 47 47 47 47 47 47 47

WHAT AM I PERSONALLY GOING TO DO ABOUT MY OWN RETIREMENT?

% OF GROSS INCOME SAVED BY EMPLOYER % OF GROSS INCOME SAVED BY ME SHOULD BE 10%-15% OF GROSS INCOME $ AFTER TAX AMOUNT MONTHLY BEING SAVED (CONSIDER A ROTH IRA)

2ND JOB 56

Less Per Month

$300 for for

Regular Savings #3 account #____________________

for for

VACATIONS 3600 YR

$0 57

Less Per Month

$0 for ?? for

Special Savings #3 account #____________________

(SPORTING EVENTS? LESSONS?)

GOLF 1200 YR SEASON TICKETS

WAS 100

for for

$0 58

Less Per Month

$0 for for

Holiday Savings #3 account #____________________

for for

EDUCATIONAL EXPENSES

$0 59

Less Per Month

for

IRA Account 2 account #____________________

for

$23 60 Cash Left Per Month