TT04 20 20Budget 20Balance 20Sheet 20and 20Income 20Statements

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TT04 20 20Budget 20Balance 20Sheet 20and 20Income 20Statements Powered By Docstoc
					          Teaching Tool 4 - Budget, Balance Sheet, and Income Statements
                               June 2008
                     Personal Finance: Another Perspective

Purpose:
The purpose of this spreadsheet is to give an Excel template for calculating
budgets, balance sheets, and income statements. These worksheets are meant to help
you as you develop and live on a budget. They are not meant to replace good money
management software such as Quicken or Money, but may be helpful as you begin.

Budgets:
To begin, go to the Budget M1 worksheet. In the cell H3, type the month that you will
be beginning the budget in numeric form, i.e., 1 = January, 12 = December. In
the cell I4, type the year. Then, each successive budget worksheet will be the sheet
for the next month. Insert budget amounts in the green cells, insert actual spending in
the white cells under the day the money was spent and in the correct column. The
blue cells are where the calculations are automatic.

Income Statements:
The income statement is the actual column of your budget spreadsheet, so once you have
completed a budget (from Budget M1 and Budget M3), go to tab IS 1 or IS 3 and you
can print off the Income Statement without having to do a thing.

Balance Sheets:
The balance sheets are divided into assets and liabilities, with the different types of
assets and liabilities separated out. Fill out each of the green cells, but do put
any data into the blue cells--they are calculations.

Disclosure:
The purpose of this spreadsheet and this class is to help you get your financial house in
order and to help you on your road to financial self-reliance. If there are mistakes in this
spreadsheet, please bring them to our attention and we will correct them in upcoming
versions. The teacher, and BYU, specifically disclaim any liability, or responsibility for
claims, loss, or risk incurred, directly or indirectly, from using this material.
      TT 04 - Personal Budget for the Month of January, 2008
                Blue - Do not fill in the blue sections as these are calculated
Directions: Fill in the green cells with your data. Be careful not to modify the
            red or blue cells. Print off columns A-D for your Budget each month.
                                                              for the Month of January 2008
 [Ctrl][Shift] T will set your titles                       Budget      Actual
 [Ctrl][Shift] C will clear your titles                     Income      Income     Difference

Income
  Wage Earner 1                                                                0            0
  Wage Earner 2                                                                0            0
  = Total Wages and salaries                                    0              0            0
    + Interest and Dividends                                                   0            0
    + Royalties, Commissions and Rents                                         0            0
    + Other (Type in another source here, i.e. Loan, Parents savings)          0            0
    + Other (Type in another source here, i.e. Loan, Parents savings)          0            0
    + Other (Type in another source here, i.e. Loan, Parents savings)          0            0
    Total Income ( A )                                          0              0            0

Deductions (Before and After Tax)
  - Qualified Retirement Savings (401k/403-b)(D)                               0            0
  - Medical/Dental Expenses                 (E)                                0            0
  - Other (type in another deduction here)                                     0            0
  - Other (type in another deduction here)                                     0            0
  - Other (type in another deduction here)                                     0            0
     Total Before and After Tax Deductions ( B )                   0           0            0
       including Retirement and Medical Deductions
Taxes
 - Federal Taxes                                                               0            0
  - State Taxes                                                                0            0
  - Other (Type in other taxes here)                                           0            0
    Total Income and SS Taxes ( C )                                0           0            0
    After-Tax Income Available for Living Expenditures
    or Take-Home Pay (A - B - C + D + E)                           0           0            0
    but before Retirement and Medical Deductions
                                                      Budget           Actual
                                                      Amount           Spending Difference
Paying the Lord
  - Tithing                                                                    0            0
  - Fast and Other Offerings                                                   0            0
  - Other Contributions (type in other contributions here)                     0            0
  - Other Contributions (type in other contributions here)                     0            0
      Total Paying the Lord ( D )                                  0           0            0

Paying Yourself
  - Retirement Savings (from (D) deductions above)                 0           0            0
  - Kids Missions and Education Savings                                        0            0
  - Other Retirement Savings (IRA, SEP-IRA, etc.)                              0            0
  - Other Savings (type in other contributions here)                           0            0
  - Other Savings (type in other contributions here)                           0            0
    Total Paying Yourself ( E )                                    0           0            0

Living Expenses
  - Housing                                                                    0            0
  - Rent                                                                       0            0

                                    TT - Budget Worksheet W2002 14Jan02                         Page 3
      TT 04 - Personal Budget for the Month of January, 2008
              Blue - Do not fill in the blue sections as these are calculated
 - Mortgage Payments                                                            0   0
 - Utilities                                                                    0   0
 - Maintainance                                                                 0   0
 - Real Eastate and Property Taxes                                              0   0
 - Fixed Assets-furniture, appliances, televisions, etc.                        0   0
 - Other Living Expenses (type in other living here)                            0   0
 - Other Living Expenses (type in other living here)                            0   0
 - Other Living Expenses (type in other living here)                            0   0
   Total Housing Expenditures ( F )                                 0           0   0

Food
  - Food and Supplies                                                           0   0
  - Restaurant Expenses                                                         0   0
  - Food Storage (other food expense)                                           0   0
  - Food (type in other food here)                                              0   0
   Total Food Expenditures ( G )                                  0             0   0

Clothing and Personal Care
  - New Clothes                                                                 0   0
  - Cleaning                                                                    0   0
  - Tailoring                                                                   0   0
  - Personal Care-hair Care                                                     0   0
  - Other Clothing and Personal Care Expenses                                   0   0
  - Other (type in other personal here)                                         0   0
  - Other (type in other personal here)                                         0   0
   Total Clothing/Personal Care Expenses ( H )                    0             0   0

Transportation
 - Automobile Purchase                                                          0   0
 - Payments                                                                     0   0
 - Gas, Tolls, Parking                                                          0   0
 - Automobile Registration/Tags/Stickers                                        0   0
 - Repairs                                                                      0   0
 - Other (type in other transportation here)                                    0   0
 - Other (type in other transportation here)                                    0   0
   Total Transportation Expenditures ( I )                        0             0   0

Recreation
 - Movies, Theater, Sporting Events                                             0   0
 - Club Memberships                                                             0   0
 - Vacations                                                                    0   0
 - Hobbies/Dates                                                                0   0
 - Sporting Goods                                                               0   0
 - Gifts                                                                        0   0
 - Reading Materials (books, newspapers, magazines)                             0   0
 - Other (type in other recreation here)                                        0   0
 - Other (type in other recreation here)                                        0   0
  Total Recreation Expenditures ( J )                             0             0   0

Medical Expenditures
 - Medical/Dental Expenses (from (E) deductions above)            0             0   0
  - Doctor                                                                      0   0
  - Dental                                                                      0   0

                                   TT - Budget Worksheet W2002 14Jan02                  Page 4
      TT 04 - Personal Budget for the Month of January, 2008
               Blue - Do not fill in the blue sections as these are calculated
  - Prescription Drugs and Medicines                                           0   0
  - Other Medical (type in other medical here)                                 0   0
   Total Medical Expenditures ( K )                                  0         0   0

Insurance Expenditures
  - Health                                                                    0    0
  - Life                                                                      0    0
  - Automobile                                                                0    0
  - Disability                                                                0    0
  - Liability                                                                 0    0
  - Other (type in other insurance here)                                      0    0
  - Other (type in other insurance here)                                      0    0
    Total Insurance Expenditures ( L )                            0           0    0

Other Expenditures
 - Educational Expenditures (college loan payment)                            0    0
 - Child Care                                                                 0    0
 - Other Expenses (type in other expenses here)                               0    0
 - Other Expenses (type in other expenses here)                               0    0
 - Other Expenses (type in other expenses here)                               0    0
   Total Other Expenditures ( M )                                 0           0    0

Total Living Expenditures (add lines D - M)                       0           0    0

Additional Income Available for Savings and Investment            0           0




                                   TT - Budget Worksheet W2002 14Jan02                 Page 5
      TT 04 - Personal Budget for the Month of February, 2008
Directions: Fill in the green cells with your data. Be careful not to modify the
            red or blue cells. Print off columns A-D for your Budget each month.
                                                         for the Month of February 2008
 [Ctrl][Shift] T will set your titles                   Budget       Actual
 [Ctrl][Shift] C will clear your titles                 Income       Income     Difference

                       Income
   Wage Earner 1                                                             0           0
   Wage Earner 2                                                             0           0
   = Total Wages and salaries                                   0            0           0
   + Interest and Dividends                                                  0           0
   + Royalties, Commissions and Rents                                        0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)         0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)         0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)         0           0
   Total Income ( A )                                           0            0           0

   Deductions (Before and After Tax)
      - Qualified Retirement Savings (401k/403-b)(D)                  0        0
      - Medical/Dental Expenses                (E)                    0        0
      - Other (type in another deduction here)                        0        0
      - Other (type in another deduction here)                        0        0
      - Other (type in another deduction here)                        0        0
        Total Before and After Tax Deductions ( B )          0        0        0
          including Retirement and Medical Deductions
   Taxes
     - Federal Taxes                                                  0        0
   - State Taxes                                                      0        0
   - Other (Type in other taxes here)                                 0        0
   Total Income and SS Taxes ( C )                           0        0        0
   After-Tax Income Available for Living Expenditures
       or Take-Home Pay (A - B - C + D + E)                  0        0        0
       but before Retirement and Medical Deductions
                                                      Budget   Actual
                                                      Amount Spending Difference
   Paying the Lord
   - Tithing                                                          0        0
   - Fast and Other Offerings                                         0        0
   - Other Contributions (type in other contributions here)           0        0
- Other Contributions (type in other contributions here)       0   0
 Total Paying the Lord ( D )                               0   0   0

Paying Yourself
- Retirement Savings (from (D) deductions above)           0   0   0
- Kids Missions and Education Savings                          0   0
- Other Retirement Savings (IRA, SEP-IRA, etc.)                0   0
- Other Savings (type in other contributions here)             0   0
- Other Savings (type in other contributions here)             0   0
  Total Paying Yourself ( E )                              0   0   0

Living Expenses
- Housing                                                      0   0
- Rent                                                         0   0
- Mortgage Payments                                            0   0
- Utilities                                                    0   0
- Maintainance                                                 0   0
- Real Eastate and Property Taxes                              0   0
- Fixed Assets-furniture, appliances, televisions, etc.        0   0
- Other Living Expenses (type in other living here)            0   0
- Other Living Expenses (type in other living here)            0   0
- Other Living Expenses (type in other living here)            0   0
  Total Housing Expenditures ( F )                         0   0   0

Food
- Food and Supplies                                            0   0
- Restaurant Expenses                                          0   0
- Food Storage (other food expense)                            0   0
- Food (type in other food here)                               0   0
 Total Food Expenditures ( G )                             0   0   0

Clothing and Personal Care
- New Clothes                                                  0   0
- Cleaning                                                     0   0
- Tailoring                                                    0   0
- Personal Care-hair Care                                      0   0
- Other Clothing and Personal Care Expenses                    0   0
- Other (type in other personal here)                          0   0
- Other (type in other personal here)                          0   0
 Total Clothing/Personal Care Expenses ( H )               0   0   0

Transportation
-   Automobile Purchase                                      0   0
-   Payments                                                 0   0
-   Gas, Tolls, Parking                                      0   0
-   Automobile Registration/Tags/Stickers                    0   0
-   Repairs                                                  0   0
-   Other (type in other transportation here)                0   0
-   Other (type in other transportation here)                0   0
    Total Transportation Expenditures ( I )              0   0   0

Recreation
- Movies, Theater, Sporting Events                           0   0
- Club Memberships                                           0   0
- Vacations                                                  0   0
- Hobbies/Dates                                              0   0
- Sporting Goods                                             0   0
- Gifts                                                      0   0
- Reading Materials (books, newspapers, magazines)           0   0
- Other (type in other recreation here)                      0   0
- Other (type in other recreation here)                      0   0
 Total Recreation Expenditures ( J )                     0   0   0

Medical Expenditures
 - Medical/Dental Expenses (from (E) deductions above)   0   0   0
- Doctor                                                     0   0
- Dental                                                     0   0
- Prescription Drugs and Medicines                           0   0
- Other Medical (type in other medical here)                 0   0
 Total Medical Expenditures ( K )                        0   0   0

Insurance Expenditures
- Health                                                     0   0
- Life                                                       0   0
- Automobile                                                 0   0
- Disability                                                 0   0
- Liability                                                  0   0
- Other (type in other insurance here)                       0   0
- Other (type in other insurance here)                       0   0
  Total Insurance Expenditures ( L )                     0   0   0

Other Expenditures
- Educational Expenditures (college loan payment)            0   0
- Child Care                                                 0   0
- Other Expenses (type in other expenses here)                        0   0
- Other Expenses (type in other expenses here)                        0   0
- Other Expenses (type in other expenses here)                        0   0
  Total Other Expenditures ( M )                          0           0   0

Total Living Expenditures (add lines D - M)               0           0   0

Additional Income Available for Savings and Investment    0           0




                                                          1   January
                                                          2   February
                                                          3   March
                                                          4   April
                                                          5   May
                                                          6   June
                                                          7   July
                                                          8   August
                                                          9   September
                                                         10   October
                                                         11   November
                                                         12   December

                                                         10
                                                          9
Type in the information below in the correct columns
       Type Month and Year below:
       Month #=       2 February
         Year =             2008
       Day 1    Day 2   Day 3     Day 4   Day 5   Day 6   Day 7   Day 8
Day 9   Day 10   Day 11   Day 12   Day 13   Day 14   Day 15   Day 16   Day 17
Day 18   Day 19   Day 20   Day 21   Day 22   Day 23   Day 24   Day 25   Day 26
Day 27   Day 28   Day 29   Day 30   Day 31
       TT 04 - Personal Budget for the Month of March, 2008
Directions: Fill in the green cells with your data. Be careful not to modify the
            red or blue cells. Print off columns A-D for your Budget each month.
                                                           for the Month of March 2008
 [Ctrl][Shift] T will set your titles                   Budget       Actual
 [Ctrl][Shift] C will clear your titles                 Income       Income     Difference

                       Income
   Wage Earner 1                                                          500         500
   Wage Earner 2                                                            0           0
   = Total Wages and salaries                                   0         500         500
   + Interest and Dividends                                                 0           0
   + Royalties, Commissions and Rents                                       0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)        0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)        0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)        0           0
   Total Income ( A )                                           0         500         500

   Deductions (Before and After Tax)
      - Qualified Retirement Savings (401k/403-b)(D)                  100    100
      - Medical/Dental Expenses                (E)                      0      0
      - Other (type in another deduction here)                          0      0
      - Other (type in another deduction here)                          0      0
      - Other (type in another deduction here)                          0      0
        Total Before and After Tax Deductions ( B )          0        100    100
          including Retirement and Medical Deductions
   Taxes
     - Federal Taxes                                                    0      0
   - State Taxes                                                        0      0
   - Other (Type in other taxes here)                                   0      0
   Total Income and SS Taxes ( C )                           0          0      0
   After-Tax Income Available for Living Expenditures
       or Take-Home Pay (A - B - C + D + E)                  0        500    500
       but before Retirement and Medical Deductions
                                                      Budget   Actual
                                                      Amount Spending Difference
   Paying the Lord
   - Tithing                                                            0      0
   - Fast and Other Offerings                                           0      0
   - Other Contributions (type in other contributions here)             0      0
- Other Contributions (type in other contributions here)         0     0
 Total Paying the Lord ( D )                               0     0     0

Paying Yourself
- Retirement Savings (from (D) deductions above)           0   100   -100
- Kids Missions and Education Savings                            0      0
- Other Retirement Savings (IRA, SEP-IRA, etc.)                  0      0
- Other Savings (type in other contributions here)               0      0
- Other Savings (type in other contributions here)               0      0
  Total Paying Yourself ( E )                              0   100   -100

Living Expenses
- Housing                                                        0     0
- Rent                                                           0     0
- Mortgage Payments                                              0     0
- Utilities                                                      0     0
- Maintainance                                                   0     0
- Real Eastate and Property Taxes                                0     0
- Fixed Assets-furniture, appliances, televisions, etc.          0     0
- Other Living Expenses (type in other living here)              0     0
- Other Living Expenses (type in other living here)              0     0
- Other Living Expenses (type in other living here)              0     0
  Total Housing Expenditures ( F )                         0     0     0

Food
- Food and Supplies                                              0     0
- Restaurant Expenses                                            0     0
- Food Storage (other food expense)                              0     0
- Food (type in other food here)                                 0     0
 Total Food Expenditures ( G )                             0     0     0

Clothing and Personal Care
- New Clothes                                                    0     0
- Cleaning                                                       0     0
- Tailoring                                                      0     0
- Personal Care-hair Care                                        0     0
- Other Clothing and Personal Care Expenses                      0     0
- Other (type in other personal here)                            0     0
- Other (type in other personal here)                            0     0
 Total Clothing/Personal Care Expenses ( H )               0     0     0

Transportation
-   Automobile Purchase                                      0   0
-   Payments                                                 0   0
-   Gas, Tolls, Parking                                      0   0
-   Automobile Registration/Tags/Stickers                    0   0
-   Repairs                                                  0   0
-   Other (type in other transportation here)                0   0
-   Other (type in other transportation here)                0   0
    Total Transportation Expenditures ( I )              0   0   0

Recreation
- Movies, Theater, Sporting Events                           0   0
- Club Memberships                                           0   0
- Vacations                                                  0   0
- Hobbies/Dates                                              0   0
- Sporting Goods                                             0   0
- Gifts                                                      0   0
- Reading Materials (books, newspapers, magazines)           0   0
- Other (type in other recreation here)                      0   0
- Other (type in other recreation here)                      0   0
 Total Recreation Expenditures ( J )                     0   0   0

Medical Expenditures
 - Medical/Dental Expenses (from (E) deductions above)   0   0   0
- Doctor                                                     0   0
- Dental                                                     0   0
- Prescription Drugs and Medicines                           0   0
- Other Medical (type in other medical here)                 0   0
 Total Medical Expenditures ( K )                        0   0   0

Insurance Expenditures
- Health                                                     0   0
- Life                                                       0   0
- Automobile                                                 0   0
- Disability                                                 0   0
- Liability                                                  0   0
- Other (type in other insurance here)                       0   0
- Other (type in other insurance here)                       0   0
  Total Insurance Expenditures ( L )                     0   0   0

Other Expenditures
- Educational Expenditures (college loan payment)            0   0
- Child Care                                                 0   0
- Other Expenses (type in other expenses here)                        0     0
- Other Expenses (type in other expenses here)                        0     0
- Other Expenses (type in other expenses here)                        0     0
  Total Other Expenditures ( M )                          0           0     0

Total Living Expenditures (add lines D - M)               0         100   -100

Additional Income Available for Savings and Investment    0         400




                                                          1   January
                                                          2   February
                                                          3   March
                                                          4   April
                                                          5   May
                                                          6   June
                                                          7   July
                                                          8   August
                                                          9   September
                                                         10   October
                                                         11   November
                                                         12   December

                                                         10
                                                          9
Type in the information below in the correct columns
       Type Month and Year below:
       Month #=       3 March
         Year =             2008
       Day 1    Day 2   Day 3     Day 4   Day 5   Day 6   Day 7   Day 8




            500




            100
Day 9   Day 10   Day 11   Day 12   Day 13   Day 14   Day 15   Day 16   Day 17
Day 18   Day 19   Day 20   Day 21   Day 22   Day 23   Day 24   Day 25   Day 26
Day 27   Day 28   Day 29   Day 30   Day 31
        TT 04 - Personal Budget for the Month of April, 2008
Directions: Fill in the green cells with your data. Be careful not to modify the
            red or blue cells. Print off columns A-D for your Budget each month.
                                                            for the Month of April 2008
 [Ctrl][Shift] T will set your titles                   Budget       Actual
 [Ctrl][Shift] C will clear your titles                 Income       Income     Difference

                       Income
   Wage Earner 1                                                             0           0
   Wage Earner 2                                                             0           0
   = Total Wages and salaries                                   0            0           0
   + Interest and Dividends                                                  0           0
   + Royalties, Commissions and Rents                                        0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)         0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)         0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)         0           0
   Total Income ( A )                                           0            0           0

   Deductions (Before and After Tax)
      - Qualified Retirement Savings (401k/403-b)(D)                  0        0
      - Medical/Dental Expenses                (E)                    0        0
      - Other (type in another deduction here)                        0        0
      - Other (type in another deduction here)                        0        0
      - Other (type in another deduction here)                        0        0
        Total Before and After Tax Deductions ( B )          0        0        0
          including Retirement and Medical Deductions
   Taxes
     - Federal Taxes                                                  0        0
   - State Taxes                                                      0        0
   - Other (Type in other taxes here)                                 0        0
   Total Income and SS Taxes ( C )                           0        0        0
   After-Tax Income Available for Living Expenditures
       or Take-Home Pay (A - B - C + D + E)                  0        0        0
       but before Retirement and Medical Deductions
                                                      Budget   Actual
                                                      Amount Spending Difference
   Paying the Lord
   - Tithing                                                          0        0
   - Fast and Other Offerings                                         0        0
   - Other Contributions (type in other contributions here)           0        0
- Other Contributions (type in other contributions here)       0   0
 Total Paying the Lord ( D )                               0   0   0

Paying Yourself
- Retirement Savings (from (D) deductions above)           0   0   0
- Kids Missions and Education Savings                          0   0
- Other Retirement Savings (IRA, SEP-IRA, etc.)                0   0
- Other Savings (type in other contributions here)             0   0
- Other Savings (type in other contributions here)             0   0
  Total Paying Yourself ( E )                              0   0   0

Living Expenses
- Housing                                                      0   0
- Rent                                                         0   0
- Mortgage Payments                                            0   0
- Utilities                                                    0   0
- Maintainance                                                 0   0
- Real Eastate and Property Taxes                              0   0
- Fixed Assets-furniture, appliances, televisions, etc.        0   0
- Other Living Expenses (type in other living here)            0   0
- Other Living Expenses (type in other living here)            0   0
- Other Living Expenses (type in other living here)            0   0
  Total Housing Expenditures ( F )                         0   0   0

Food
- Food and Supplies                                            0   0
- Restaurant Expenses                                          0   0
- Food Storage (other food expense)                            0   0
- Food (type in other food here)                               0   0
 Total Food Expenditures ( G )                             0   0   0

Clothing and Personal Care
- New Clothes                                                  0   0
- Cleaning                                                     0   0
- Tailoring                                                    0   0
- Personal Care-hair Care                                      0   0
- Other Clothing and Personal Care Expenses                    0   0
- Other (type in other personal here)                          0   0
- Other (type in other personal here)                          0   0
 Total Clothing/Personal Care Expenses ( H )               0   0   0

Transportation
-   Automobile Purchase                                      0   0
-   Payments                                                 0   0
-   Gas, Tolls, Parking                                      0   0
-   Automobile Registration/Tags/Stickers                    0   0
-   Repairs                                                  0   0
-   Other (type in other transportation here)                0   0
-   Other (type in other transportation here)                0   0
    Total Transportation Expenditures ( I )              0   0   0

Recreation
- Movies, Theater, Sporting Events                           0   0
- Club Memberships                                           0   0
- Vacations                                                  0   0
- Hobbies/Dates                                              0   0
- Sporting Goods                                             0   0
- Gifts                                                      0   0
- Reading Materials (books, newspapers, magazines)           0   0
- Other (type in other recreation here)                      0   0
- Other (type in other recreation here)                      0   0
 Total Recreation Expenditures ( J )                     0   0   0

Medical Expenditures
 - Medical/Dental Expenses (from (E) deductions above)   0   0   0
- Doctor                                                     0   0
- Dental                                                     0   0
- Prescription Drugs and Medicines                           0   0
- Other Medical (type in other medical here)                 0   0
 Total Medical Expenditures ( K )                        0   0   0

Insurance Expenditures
- Health                                                     0   0
- Life                                                       0   0
- Automobile                                                 0   0
- Disability                                                 0   0
- Liability                                                  0   0
- Other (type in other insurance here)                       0   0
- Other (type in other insurance here)                       0   0
  Total Insurance Expenditures ( L )                     0   0   0

Other Expenditures
- Educational Expenditures (college loan payment)            0   0
- Child Care                                                 0   0
- Other Expenses (type in other expenses here)                        0   0
- Other Expenses (type in other expenses here)                        0   0
- Other Expenses (type in other expenses here)                        0   0
  Total Other Expenditures ( M )                          0           0   0

Total Living Expenditures (add lines D - M)               0           0   0

Additional Income Available for Savings and Investment    0           0




                                                          1   January
                                                          2   February
                                                          3   March
                                                          4   April
                                                          5   May
                                                          6   June
                                                          7   July
                                                          8   August
                                                          9   September
                                                         10   October
                                                         11   November
                                                         12   December

                                                         10
                                                          9
Type in the information below in the correct columns
       Type Month and Year below:
       Month #=       4 April
         Year =             2008
       Day 1    Day 2   Day 3     Day 4   Day 5   Day 6   Day 7   Day 8
Day 9   Day 10   Day 11   Day 12   Day 13   Day 14   Day 15   Day 16   Day 17
Day 18   Day 19   Day 20   Day 21   Day 22   Day 23   Day 24   Day 25   Day 26
Day 27   Day 28   Day 29   Day 30   Day 31
              Personal Budget for the Month of May, 2008
Directions: Fill in the green cells with your data. Be careful not to modify the
            red or blue cells. Print off columns A-D for your Budget each month.
                                                            for the Month of May 2008
 [Ctrl][Shift] T will set your titles                   Budget       Actual
 [Ctrl][Shift] C will clear your titles                 Income       Income     Difference

                       Income
   Wage Earner 1                                                             0           0
   Wage Earner 2                                                             0           0
   = Total Wages and salaries                                   0            0           0
   + Interest and Dividends                                                  0           0
   + Royalties, Commissions and Rents                                        0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)         0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)         0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)         0           0
   Total Income ( A )                                           0            0           0

   Deductions (Before and After Tax)
      - Qualified Retirement Savings (401k/403-b)(D)                  0        0
      - Medical/Dental Expenses                (E)                    0        0
      - Other (type in another deduction here)                        0        0
      - Other (type in another deduction here)                        0        0
      - Other (type in another deduction here)                        0        0
        Total Before and After Tax Deductions ( B )          0        0        0
          including Retirement and Medical Deductions
   Taxes
     - Federal Taxes                                                  0        0
   - State Taxes                                                      0        0
   - Other (Type in other taxes here)                                 0        0
   Total Income and SS Taxes ( C )                           0        0        0
   After-Tax Income Available for Living Expenditures
       or Take-Home Pay (A - B - C + D + E)                  0        0        0
       but before Retirement and Medical Deductions
                                                      Budget   Actual
                                                      Amount Spending Difference
   Paying the Lord
   - Tithing                                                          0        0
   - Fast and Other Offerings                                         0        0
   - Other Contributions (type in other contributions here)           0        0
- Other Contributions (type in other contributions here)       0   0
 Total Paying the Lord ( D )                               0   0   0

Paying Yourself
- Retirement Savings (from (D) deductions above)           0   0   0
- Kids Missions and Education Savings                          0   0
- Other Retirement Savings (IRA, SEP-IRA, etc.)                0   0
- Other Savings (type in other contributions here)             0   0
- Other Savings (type in other contributions here)             0   0
  Total Paying Yourself ( E )                              0   0   0

Living Expenses
- Housing                                                      0   0
- Rent                                                         0   0
- Mortgage Payments                                            0   0
- Utilities                                                    0   0
- Maintainance                                                 0   0
- Real Eastate and Property Taxes                              0   0
- Fixed Assets-furniture, appliances, televisions, etc.        0   0
- Other Living Expenses (type in other living here)            0   0
- Other Living Expenses (type in other living here)            0   0
- Other Living Expenses (type in other living here)            0   0
  Total Housing Expenditures ( F )                         0   0   0

Food
- Food and Supplies                                            0   0
- Restaurant Expenses                                          0   0
- Food Storage (other food expense)                            0   0
- Food (type in other food here)                               0   0
 Total Food Expenditures ( G )                             0   0   0

Clothing and Personal Care
- New Clothes                                                  0   0
- Cleaning                                                     0   0
- Tailoring                                                    0   0
- Personal Care-hair Care                                      0   0
- Other Clothing and Personal Care Expenses                    0   0
- Other (type in other personal here)                          0   0
- Other (type in other personal here)                          0   0
 Total Clothing/Personal Care Expenses ( H )               0   0   0

Transportation
-   Automobile Purchase                                      0   0
-   Payments                                                 0   0
-   Gas, Tolls, Parking                                      0   0
-   Automobile Registration/Tags/Stickers                    0   0
-   Repairs                                                  0   0
-   Other (type in other transportation here)                0   0
-   Other (type in other transportation here)                0   0
    Total Transportation Expenditures ( I )              0   0   0

Recreation
- Movies, Theater, Sporting Events                           0   0
- Club Memberships                                           0   0
- Vacations                                                  0   0
- Hobbies/Dates                                              0   0
- Sporting Goods                                             0   0
- Gifts                                                      0   0
- Reading Materials (books, newspapers, magazines)           0   0
- Other (type in other recreation here)                      0   0
- Other (type in other recreation here)                      0   0
 Total Recreation Expenditures ( J )                     0   0   0

Medical Expenditures
 - Medical/Dental Expenses (from (E) deductions above)   0   0   0
- Doctor                                                     0   0
- Dental                                                     0   0
- Prescription Drugs and Medicines                           0   0
- Other Medical (type in other medical here)                 0   0
 Total Medical Expenditures ( K )                        0   0   0

Insurance Expenditures
- Health                                                     0   0
- Life                                                       0   0
- Automobile                                                 0   0
- Disability                                                 0   0
- Liability                                                  0   0
- Other (type in other insurance here)                       0   0
- Other (type in other insurance here)                       0   0
  Total Insurance Expenditures ( L )                     0   0   0

Other Expenditures
- Educational Expenditures (college loan payment)            0   0
- Child Care                                                 0   0
- Other Expenses (type in other expenses here)                        0   0
- Other Expenses (type in other expenses here)                        0   0
- Other Expenses (type in other expenses here)                        0   0
  Total Other Expenditures ( M )                          0           0   0

Total Living Expenditures (add lines D - M)               0           0   0

Additional Income Available for Savings and Investment    0           0




                                                          1   January
                                                          2   February
                                                          3   March
                                                          4   April
                                                          5   May
                                                          6   June
                                                          7   July
                                                          8   August
                                                          9   September
                                                         10   October
                                                         11   November
                                                         12   December

                                                         10
                                                          9
Type in the information below in the correct columns
       Type Month and Year below:
       Month #=       5 May
         Year =             2008
       Day 1    Day 2   Day 3     Day 4   Day 5   Day 6   Day 7   Day 8
Day 9   Day 10   Day 11   Day 12   Day 13   Day 14   Day 15   Day 16   Day 17
Day 18   Day 19   Day 20   Day 21   Day 22   Day 23   Day 24   Day 25   Day 26
Day 27   Day 28   Day 29   Day 30   Day 31
              Personal Budget for the Month of June, 2008
Directions: Fill in the green cells with your data. Be careful not to modify the
            red or blue cells. Print off columns A-D for your Budget each month.
                                                            for the Month of June 2008
 [Ctrl][Shift] T will set your titles                   Budget       Actual
 [Ctrl][Shift] C will clear your titles                 Income       Income     Difference

                       Income
   Wage Earner 1                                                             0           0
   Wage Earner 2                                                             0           0
   = Total Wages and salaries                                   0            0           0
   + Interest and Dividends                                                  0           0
   + Royalties, Commissions and Rents                                        0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)         0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)         0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)         0           0
   Total Income ( A )                                           0            0           0

   Deductions (Before and After Tax)
      - Qualified Retirement Savings (401k/403-b)(D)                  0        0
      - Medical/Dental Expenses                (E)                    0        0
      - Other (type in another deduction here)                        0        0
      - Other (type in another deduction here)                        0        0
      - Other (type in another deduction here)                        0        0
        Total Before and After Tax Deductions ( B )          0        0        0
          including Retirement and Medical Deductions
   Taxes
     - Federal Taxes                                                  0        0
   - State Taxes                                                      0        0
   - Other (Type in other taxes here)                                 0        0
   Total Income and SS Taxes ( C )                           0        0        0
   After-Tax Income Available for Living Expenditures
       or Take-Home Pay (A - B - C + D + E)                  0        0        0
       but before Retirement and Medical Deductions
                                                      Budget   Actual
                                                      Amount Spending Difference
   Paying the Lord
   - Tithing                                                          0        0
   - Fast and Other Offerings                                         0        0
   - Other Contributions (type in other contributions here)           0        0
- Other Contributions (type in other contributions here)       0   0
 Total Paying the Lord ( D )                               0   0   0

Paying Yourself
- Retirement Savings (from (D) deductions above)           0   0   0
- Kids Missions and Education Savings                          0   0
- Other Retirement Savings (IRA, SEP-IRA, etc.)                0   0
- Other Savings (type in other contributions here)             0   0
- Other Savings (type in other contributions here)             0   0
  Total Paying Yourself ( E )                              0   0   0

Living Expenses
- Housing                                                      0   0
- Rent                                                         0   0
- Mortgage Payments                                            0   0
- Utilities                                                    0   0
- Maintainance                                                 0   0
- Real Eastate and Property Taxes                              0   0
- Fixed Assets-furniture, appliances, televisions, etc.        0   0
- Other Living Expenses (type in other living here)            0   0
- Other Living Expenses (type in other living here)            0   0
- Other Living Expenses (type in other living here)            0   0
  Total Housing Expenditures ( F )                         0   0   0

Food
- Food and Supplies                                            0   0
- Restaurant Expenses                                          0   0
- Food Storage (other food expense)                            0   0
- Food (type in other food here)                               0   0
 Total Food Expenditures ( G )                             0   0   0

Clothing and Personal Care
- New Clothes                                                  0   0
- Cleaning                                                     0   0
- Tailoring                                                    0   0
- Personal Care-hair Care                                      0   0
- Other Clothing and Personal Care Expenses                    0   0
- Other (type in other personal here)                          0   0
- Other (type in other personal here)                          0   0
 Total Clothing/Personal Care Expenses ( H )               0   0   0

Transportation
-   Automobile Purchase                                      0   0
-   Payments                                                 0   0
-   Gas, Tolls, Parking                                      0   0
-   Automobile Registration/Tags/Stickers                    0   0
-   Repairs                                                  0   0
-   Other (type in other transportation here)                0   0
-   Other (type in other transportation here)                0   0
    Total Transportation Expenditures ( I )              0   0   0

Recreation
- Movies, Theater, Sporting Events                           0   0
- Club Memberships                                           0   0
- Vacations                                                  0   0
- Hobbies/Dates                                              0   0
- Sporting Goods                                             0   0
- Gifts                                                      0   0
- Reading Materials (books, newspapers, magazines)           0   0
- Other (type in other recreation here)                      0   0
- Other (type in other recreation here)                      0   0
 Total Recreation Expenditures ( J )                     0   0   0

Medical Expenditures
 - Medical/Dental Expenses (from (E) deductions above)   0   0   0
- Doctor                                                     0   0
- Dental                                                     0   0
- Prescription Drugs and Medicines                           0   0
- Other Medical (type in other medical here)                 0   0
 Total Medical Expenditures ( K )                        0   0   0

Insurance Expenditures
- Health                                                     0   0
- Life                                                       0   0
- Automobile                                                 0   0
- Disability                                                 0   0
- Liability                                                  0   0
- Other (type in other insurance here)                       0   0
- Other (type in other insurance here)                       0   0
  Total Insurance Expenditures ( L )                     0   0   0

Other Expenditures
- Educational Expenditures (college loan payment)            0   0
- Child Care                                                 0   0
- Other Expenses (type in other expenses here)                        0   0
- Other Expenses (type in other expenses here)                        0   0
- Other Expenses (type in other expenses here)                        0   0
  Total Other Expenditures ( M )                          0           0   0

Total Living Expenditures (add lines D - M)               0           0   0

Additional Income Available for Savings and Investment    0           0




                                                          1   January
                                                          2   February
                                                          3   March
                                                          4   April
                                                          5   May
                                                          6   June
                                                          7   July
                                                          8   August
                                                          9   September
                                                         10   October
                                                         11   November
                                                         12   December

                                                         10
                                                          9
Type in the information below in the correct columns
       Type Month and Year below:
       Month #=       6 June
         Year =             2008
       Day 1    Day 2   Day 3     Day 4   Day 5   Day 6   Day 7   Day 8
Day 9   Day 10   Day 11   Day 12   Day 13   Day 14   Day 15   Day 16   Day 17
Day 18   Day 19   Day 20   Day 21   Day 22   Day 23   Day 24   Day 25   Day 26
Day 27   Day 28   Day 29   Day 30   Day 31
               Personal Budget for the Month of July, 2008
Directions: Fill in the green cells with your data. Be careful not to modify the
            red or blue cells. Print off columns A-D for your Budget each month.
                                                            for the Month of July 2008
 [Ctrl][Shift] T will set your titles                   Budget       Actual
 [Ctrl][Shift] C will clear your titles                 Income       Income     Difference

                       Income
   Wage Earner 1                                                             0           0
   Wage Earner 2                                                             0           0
   = Total Wages and salaries                                   0            0           0
   + Interest and Dividends                                                  0           0
   + Royalties, Commissions and Rents                                        0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)         0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)         0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)         0           0
   Total Income ( A )                                           0            0           0

   Deductions (Before and After Tax)
      - Qualified Retirement Savings (401k/403-b)(D)                  0        0
      - Medical/Dental Expenses                (E)                    0        0
      - Other (type in another deduction here)                        0        0
      - Other (type in another deduction here)                        0        0
      - Other (type in another deduction here)                        0        0
        Total Before and After Tax Deductions ( B )          0        0        0
          including Retirement and Medical Deductions
   Taxes
     - Federal Taxes                                                  0        0
   - State Taxes                                                      0        0
   - Other (Type in other taxes here)                                 0        0
   Total Income and SS Taxes ( C )                           0        0        0
   After-Tax Income Available for Living Expenditures
       or Take-Home Pay (A - B - C + D + E)                  0        0        0
       but before Retirement and Medical Deductions
                                                      Budget   Actual
                                                      Amount Spending Difference
   Paying the Lord
   - Tithing                                                          0        0
   - Fast and Other Offerings                                         0        0
   - Other Contributions (type in other contributions here)           0        0
- Other Contributions (type in other contributions here)       0   0
 Total Paying the Lord ( D )                               0   0   0

Paying Yourself
- Retirement Savings (from (D) deductions above)           0   0   0
- Kids Missions and Education Savings                          0   0
- Other Retirement Savings (IRA, SEP-IRA, etc.)                0   0
- Other Savings (type in other contributions here)             0   0
- Other Savings (type in other contributions here)             0   0
  Total Paying Yourself ( E )                              0   0   0

Living Expenses
- Housing                                                      0   0
- Rent                                                         0   0
- Mortgage Payments                                            0   0
- Utilities                                                    0   0
- Maintainance                                                 0   0
- Real Eastate and Property Taxes                              0   0
- Fixed Assets-furniture, appliances, televisions, etc.        0   0
- Other Living Expenses (type in other living here)            0   0
- Other Living Expenses (type in other living here)            0   0
- Other Living Expenses (type in other living here)            0   0
  Total Housing Expenditures ( F )                         0   0   0

Food
- Food and Supplies                                            0   0
- Restaurant Expenses                                          0   0
- Food Storage (other food expense)                            0   0
- Food (type in other food here)                               0   0
 Total Food Expenditures ( G )                             0   0   0

Clothing and Personal Care
- New Clothes                                                  0   0
- Cleaning                                                     0   0
- Tailoring                                                    0   0
- Personal Care-hair Care                                      0   0
- Other Clothing and Personal Care Expenses                    0   0
- Other (type in other personal here)                          0   0
- Other (type in other personal here)                          0   0
 Total Clothing/Personal Care Expenses ( H )               0   0   0

Transportation
-   Automobile Purchase                                      0   0
-   Payments                                                 0   0
-   Gas, Tolls, Parking                                      0   0
-   Automobile Registration/Tags/Stickers                    0   0
-   Repairs                                                  0   0
-   Other (type in other transportation here)                0   0
-   Other (type in other transportation here)                0   0
    Total Transportation Expenditures ( I )              0   0   0

Recreation
- Movies, Theater, Sporting Events                           0   0
- Club Memberships                                           0   0
- Vacations                                                  0   0
- Hobbies/Dates                                              0   0
- Sporting Goods                                             0   0
- Gifts                                                      0   0
- Reading Materials (books, newspapers, magazines)           0   0
- Other (type in other recreation here)                      0   0
- Other (type in other recreation here)                      0   0
 Total Recreation Expenditures ( J )                     0   0   0

Medical Expenditures
 - Medical/Dental Expenses (from (E) deductions above)   0   0   0
- Doctor                                                     0   0
- Dental                                                     0   0
- Prescription Drugs and Medicines                           0   0
- Other Medical (type in other medical here)                 0   0
 Total Medical Expenditures ( K )                        0   0   0

Insurance Expenditures
- Health                                                     0   0
- Life                                                       0   0
- Automobile                                                 0   0
- Disability                                                 0   0
- Liability                                                  0   0
- Other (type in other insurance here)                       0   0
- Other (type in other insurance here)                       0   0
  Total Insurance Expenditures ( L )                     0   0   0

Other Expenditures
- Educational Expenditures (college loan payment)            0   0
- Child Care                                                 0   0
- Other Expenses (type in other expenses here)                        0   0
- Other Expenses (type in other expenses here)                        0   0
- Other Expenses (type in other expenses here)                        0   0
  Total Other Expenditures ( M )                          0           0   0

Total Living Expenditures (add lines D - M)               0           0   0

Additional Income Available for Savings and Investment    0           0




                                                          1   January
                                                          2   February
                                                          3   March
                                                          4   April
                                                          5   May
                                                          6   June
                                                          7   July
                                                          8   August
                                                          9   September
                                                         10   October
                                                         11   November
                                                         12   December

                                                         10
                                                          9
Type in the information below in the correct columns
       Type Month and Year below:
       Month #=       7 July
         Year =              2008
       Day 1    Day 2   Day 3     Day 4   Day 5   Day 6   Day 7   Day 8
Day 9   Day 10   Day 11   Day 12   Day 13   Day 14   Day 15   Day 16   Day 17
Day 18   Day 19   Day 20   Day 21   Day 22   Day 23   Day 24   Day 25   Day 26
Day 27   Day 28   Day 29   Day 30   Day 31
             Personal Budget for the Month of August, 2008
Directions: Fill in the green cells with your data. Be careful not to modify the
            red or blue cells. Print off columns A-D for your Budget each month.
                                                           for the Month of August 2008
 [Ctrl][Shift] T will set your titles                   Budget       Actual
 [Ctrl][Shift] C will clear your titles                 Income       Income     Difference

                       Income
   Wage Earner 1                                                             0           0
   Wage Earner 2                                                             0           0
   = Total Wages and salaries                                   0            0           0
   + Interest and Dividends                                                  0           0
   + Royalties, Commissions and Rents                                        0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)         0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)         0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)         0           0
   Total Income ( A )                                           0            0           0

   Deductions (Before and After Tax)
      - Qualified Retirement Savings (401k/403-b)(D)                  0        0
      - Medical/Dental Expenses                (E)                    0        0
      - Other (type in another deduction here)                        0        0
      - Other (type in another deduction here)                        0        0
      - Other (type in another deduction here)                        0        0
        Total Before and After Tax Deductions ( B )          0        0        0
          including Retirement and Medical Deductions
   Taxes
     - Federal Taxes                                                  0        0
   - State Taxes                                                      0        0
   - Other (Type in other taxes here)                                 0        0
   Total Income and SS Taxes ( C )                           0        0        0
   After-Tax Income Available for Living Expenditures
       or Take-Home Pay (A - B - C + D + E)                  0        0        0
       but before Retirement and Medical Deductions
                                                      Budget   Actual
                                                      Amount Spending Difference
   Paying the Lord
   - Tithing                                                          0        0
   - Fast and Other Offerings                                         0        0
   - Other Contributions (type in other contributions here)           0        0
- Other Contributions (type in other contributions here)       0   0
 Total Paying the Lord ( D )                               0   0   0

Paying Yourself
- Retirement Savings (from (D) deductions above)           0   0   0
- Kids Missions and Education Savings                          0   0
- Other Retirement Savings (IRA, SEP-IRA, etc.)                0   0
- Other Savings (type in other contributions here)             0   0
- Other Savings (type in other contributions here)             0   0
  Total Paying Yourself ( E )                              0   0   0

Living Expenses
- Housing                                                      0   0
- Rent                                                         0   0
- Mortgage Payments                                            0   0
- Utilities                                                    0   0
- Maintainance                                                 0   0
- Real Eastate and Property Taxes                              0   0
- Fixed Assets-furniture, appliances, televisions, etc.        0   0
- Other Living Expenses (type in other living here)            0   0
- Other Living Expenses (type in other living here)            0   0
- Other Living Expenses (type in other living here)            0   0
  Total Housing Expenditures ( F )                         0   0   0

Food
- Food and Supplies                                            0   0
- Restaurant Expenses                                          0   0
- Food Storage (other food expense)                            0   0
- Food (type in other food here)                               0   0
 Total Food Expenditures ( G )                             0   0   0

Clothing and Personal Care
- New Clothes                                                  0   0
- Cleaning                                                     0   0
- Tailoring                                                    0   0
- Personal Care-hair Care                                      0   0
- Other Clothing and Personal Care Expenses                    0   0
- Other (type in other personal here)                          0   0
- Other (type in other personal here)                          0   0
 Total Clothing/Personal Care Expenses ( H )               0   0   0

Transportation
-   Automobile Purchase                                      0   0
-   Payments                                                 0   0
-   Gas, Tolls, Parking                                      0   0
-   Automobile Registration/Tags/Stickers                    0   0
-   Repairs                                                  0   0
-   Other (type in other transportation here)                0   0
-   Other (type in other transportation here)                0   0
    Total Transportation Expenditures ( I )              0   0   0

Recreation
- Movies, Theater, Sporting Events                           0   0
- Club Memberships                                           0   0
- Vacations                                                  0   0
- Hobbies/Dates                                              0   0
- Sporting Goods                                             0   0
- Gifts                                                      0   0
- Reading Materials (books, newspapers, magazines)           0   0
- Other (type in other recreation here)                      0   0
- Other (type in other recreation here)                      0   0
 Total Recreation Expenditures ( J )                     0   0   0

Medical Expenditures
 - Medical/Dental Expenses (from (E) deductions above)   0   0   0
- Doctor                                                     0   0
- Dental                                                     0   0
- Prescription Drugs and Medicines                           0   0
- Other Medical (type in other medical here)                 0   0
 Total Medical Expenditures ( K )                        0   0   0

Insurance Expenditures
- Health                                                     0   0
- Life                                                       0   0
- Automobile                                                 0   0
- Disability                                                 0   0
- Liability                                                  0   0
- Other (type in other insurance here)                       0   0
- Other (type in other insurance here)                       0   0
  Total Insurance Expenditures ( L )                     0   0   0

Other Expenditures
- Educational Expenditures (college loan payment)            0   0
- Child Care                                                 0   0
- Other Expenses (type in other expenses here)                        0   0
- Other Expenses (type in other expenses here)                        0   0
- Other Expenses (type in other expenses here)                        0   0
  Total Other Expenditures ( M )                          0           0   0

Total Living Expenditures (add lines D - M)               0           0   0

Additional Income Available for Savings and Investment    0           0




                                                          1   January
                                                          2   February
                                                          3   March
                                                          4   April
                                                          5   May
                                                          6   June
                                                          7   July
                                                          8   August
                                                          9   September
                                                         10   October
                                                         11   November
                                                         12   December

                                                         10
                                                          9
Type in the information below in the correct columns
       Type Month and Year below:
       Month #=       8 August
         Year =             2008
       Day 1    Day 2   Day 3     Day 4   Day 5   Day 6   Day 7   Day 8
Day 9   Day 10   Day 11   Day 12   Day 13   Day 14   Day 15   Day 16   Day 17
Day 18   Day 19   Day 20   Day 21   Day 22   Day 23   Day 24   Day 25   Day 26
Day 27   Day 28   Day 29   Day 30   Day 31
          Personal Budget for the Month of September, 2008
Directions: Fill in the green cells with your data. Be careful not to modify the
            red or blue cells. Print off columns A-D for your Budget each month.
                                                         for the Month of September 2008
 [Ctrl][Shift] T will set your titles                   Budget       Actual
 [Ctrl][Shift] C will clear your titles                 Income       Income     Difference

                       Income
   Wage Earner 1                                                             0           0
   Wage Earner 2                                                             0           0
   = Total Wages and salaries                                   0            0           0
   + Interest and Dividends                                                  0           0
   + Royalties, Commissions and Rents                                        0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)         0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)         0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)         0           0
   Total Income ( A )                                           0            0           0

   Deductions (Before and After Tax)
      - Qualified Retirement Savings (401k/403-b)(D)                  0        0
      - Medical/Dental Expenses                (E)                    0        0
      - Other (type in another deduction here)                        0        0
      - Other (type in another deduction here)                        0        0
      - Other (type in another deduction here)                        0        0
        Total Before and After Tax Deductions ( B )          0        0        0
          including Retirement and Medical Deductions
   Taxes
     - Federal Taxes                                                  0        0
   - State Taxes                                                      0        0
   - Other (Type in other taxes here)                                 0        0
   Total Income and SS Taxes ( C )                           0        0        0
   After-Tax Income Available for Living Expenditures
       or Take-Home Pay (A - B - C + D + E)                  0        0        0
       but before Retirement and Medical Deductions
                                                      Budget   Actual
                                                      Amount Spending Difference
   Paying the Lord
   - Tithing                                                          0        0
   - Fast and Other Offerings                                         0        0
   - Other Contributions (type in other contributions here)           0        0
- Other Contributions (type in other contributions here)       0   0
 Total Paying the Lord ( D )                               0   0   0

Paying Yourself
- Retirement Savings (from (D) deductions above)           0   0   0
- Kids Missions and Education Savings                          0   0
- Other Retirement Savings (IRA, SEP-IRA, etc.)                0   0
- Other Savings (type in other contributions here)             0   0
- Other Savings (type in other contributions here)             0   0
  Total Paying Yourself ( E )                              0   0   0

Living Expenses
- Housing                                                      0   0
- Rent                                                         0   0
- Mortgage Payments                                            0   0
- Utilities                                                    0   0
- Maintainance                                                 0   0
- Real Eastate and Property Taxes                              0   0
- Fixed Assets-furniture, appliances, televisions, etc.        0   0
- Other Living Expenses (type in other living here)            0   0
- Other Living Expenses (type in other living here)            0   0
- Other Living Expenses (type in other living here)            0   0
  Total Housing Expenditures ( F )                         0   0   0

Food
- Food and Supplies                                            0   0
- Restaurant Expenses                                          0   0
- Food Storage (other food expense)                            0   0
- Food (type in other food here)                               0   0
 Total Food Expenditures ( G )                             0   0   0

Clothing and Personal Care
- New Clothes                                                  0   0
- Cleaning                                                     0   0
- Tailoring                                                    0   0
- Personal Care-hair Care                                      0   0
- Other Clothing and Personal Care Expenses                    0   0
- Other (type in other personal here)                          0   0
- Other (type in other personal here)                          0   0
 Total Clothing/Personal Care Expenses ( H )               0   0   0

Transportation
-   Automobile Purchase                                      0   0
-   Payments                                                 0   0
-   Gas, Tolls, Parking                                      0   0
-   Automobile Registration/Tags/Stickers                    0   0
-   Repairs                                                  0   0
-   Other (type in other transportation here)                0   0
-   Other (type in other transportation here)                0   0
    Total Transportation Expenditures ( I )              0   0   0

Recreation
- Movies, Theater, Sporting Events                           0   0
- Club Memberships                                           0   0
- Vacations                                                  0   0
- Hobbies/Dates                                              0   0
- Sporting Goods                                             0   0
- Gifts                                                      0   0
- Reading Materials (books, newspapers, magazines)           0   0
- Other (type in other recreation here)                      0   0
- Other (type in other recreation here)                      0   0
 Total Recreation Expenditures ( J )                     0   0   0

Medical Expenditures
 - Medical/Dental Expenses (from (E) deductions above)   0   0   0
- Doctor                                                     0   0
- Dental                                                     0   0
- Prescription Drugs and Medicines                           0   0
- Other Medical (type in other medical here)                 0   0
 Total Medical Expenditures ( K )                        0   0   0

Insurance Expenditures
- Health                                                     0   0
- Life                                                       0   0
- Automobile                                                 0   0
- Disability                                                 0   0
- Liability                                                  0   0
- Other (type in other insurance here)                       0   0
- Other (type in other insurance here)                       0   0
  Total Insurance Expenditures ( L )                     0   0   0

Other Expenditures
- Educational Expenditures (college loan payment)            0   0
- Child Care                                                 0   0
- Other Expenses (type in other expenses here)                        0   0
- Other Expenses (type in other expenses here)                        0   0
- Other Expenses (type in other expenses here)                        0   0
  Total Other Expenditures ( M )                          0           0   0

Total Living Expenditures (add lines D - M)               0           0   0

Additional Income Available for Savings and Investment    0           0




                                                          1   January
                                                          2   February
                                                          3   March
                                                          4   April
                                                          5   May
                                                          6   June
                                                          7   July
                                                          8   August
                                                          9   September
                                                         10   October
                                                         11   November
                                                         12   December

                                                         10
                                                          9
Type in the information below in the correct columns
       Type Month and Year below:
       Month #=       9 September
         Year =             2008
       Day 1    Day 2   Day 3     Day 4   Day 5   Day 6   Day 7   Day 8
Day 9   Day 10   Day 11   Day 12   Day 13   Day 14   Day 15   Day 16   Day 17
Day 18   Day 19   Day 20   Day 21   Day 22   Day 23   Day 24   Day 25   Day 26
Day 27   Day 28   Day 29   Day 30   Day 31
            Personal Budget for the Month of October, 2008
Directions: Fill in the green cells with your data. Be careful not to modify the
            red or blue cells. Print off columns A-D for your Budget each month.
                                                          for the Month of October 2008
 [Ctrl][Shift] T will set your titles                   Budget       Actual
 [Ctrl][Shift] C will clear your titles                 Income       Income     Difference

                       Income
   Wage Earner 1                                                             0           0
   Wage Earner 2                                                             0           0
   = Total Wages and salaries                                   0            0           0
   + Interest and Dividends                                                  0           0
   + Royalties, Commissions and Rents                                        0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)         0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)         0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)         0           0
   Total Income ( A )                                           0            0           0

   Deductions (Before and After Tax)
      - Qualified Retirement Savings (401k/403-b)(D)                  0        0
      - Medical/Dental Expenses                (E)                    0        0
      - Other (type in another deduction here)                        0        0
      - Other (type in another deduction here)                        0        0
      - Other (type in another deduction here)                        0        0
        Total Before and After Tax Deductions ( B )          0        0        0
          including Retirement and Medical Deductions
   Taxes
     - Federal Taxes                                                  0        0
   - State Taxes                                                      0        0
   - Other (Type in other taxes here)                                 0        0
   Total Income and SS Taxes ( C )                           0        0        0
   After-Tax Income Available for Living Expenditures
       or Take-Home Pay (A - B - C + D + E)                  0        0        0
       but before Retirement and Medical Deductions
                                                      Budget   Actual
                                                      Amount Spending Difference
   Paying the Lord
   - Tithing                                                          0        0
   - Fast and Other Offerings                                         0        0
   - Other Contributions (type in other contributions here)           0        0
- Other Contributions (type in other contributions here)       0   0
 Total Paying the Lord ( D )                               0   0   0

Paying Yourself
- Retirement Savings (from (D) deductions above)           0   0   0
- Kids Missions and Education Savings                          0   0
- Other Retirement Savings (IRA, SEP-IRA, etc.)                0   0
- Other Savings (type in other contributions here)             0   0
- Other Savings (type in other contributions here)             0   0
  Total Paying Yourself ( E )                              0   0   0

Living Expenses
- Housing                                                      0   0
- Rent                                                         0   0
- Mortgage Payments                                            0   0
- Utilities                                                    0   0
- Maintainance                                                 0   0
- Real Eastate and Property Taxes                              0   0
- Fixed Assets-furniture, appliances, televisions, etc.        0   0
- Other Living Expenses (type in other living here)            0   0
- Other Living Expenses (type in other living here)            0   0
- Other Living Expenses (type in other living here)            0   0
  Total Housing Expenditures ( F )                         0   0   0

Food
- Food and Supplies                                            0   0
- Restaurant Expenses                                          0   0
- Food Storage (other food expense)                            0   0
- Food (type in other food here)                               0   0
 Total Food Expenditures ( G )                             0   0   0

Clothing and Personal Care
- New Clothes                                                  0   0
- Cleaning                                                     0   0
- Tailoring                                                    0   0
- Personal Care-hair Care                                      0   0
- Other Clothing and Personal Care Expenses                    0   0
- Other (type in other personal here)                          0   0
- Other (type in other personal here)                          0   0
 Total Clothing/Personal Care Expenses ( H )               0   0   0

Transportation
-   Automobile Purchase                                      0   0
-   Payments                                                 0   0
-   Gas, Tolls, Parking                                      0   0
-   Automobile Registration/Tags/Stickers                    0   0
-   Repairs                                                  0   0
-   Other (type in other transportation here)                0   0
-   Other (type in other transportation here)                0   0
    Total Transportation Expenditures ( I )              0   0   0

Recreation
- Movies, Theater, Sporting Events                           0   0
- Club Memberships                                           0   0
- Vacations                                                  0   0
- Hobbies/Dates                                              0   0
- Sporting Goods                                             0   0
- Gifts                                                      0   0
- Reading Materials (books, newspapers, magazines)           0   0
- Other (type in other recreation here)                      0   0
- Other (type in other recreation here)                      0   0
 Total Recreation Expenditures ( J )                     0   0   0

Medical Expenditures
 - Medical/Dental Expenses (from (E) deductions above)   0   0   0
- Doctor                                                     0   0
- Dental                                                     0   0
- Prescription Drugs and Medicines                           0   0
- Other Medical (type in other medical here)                 0   0
 Total Medical Expenditures ( K )                        0   0   0

Insurance Expenditures
- Health                                                     0   0
- Life                                                       0   0
- Automobile                                                 0   0
- Disability                                                 0   0
- Liability                                                  0   0
- Other (type in other insurance here)                       0   0
- Other (type in other insurance here)                       0   0
  Total Insurance Expenditures ( L )                     0   0   0

Other Expenditures
- Educational Expenditures (college loan payment)            0   0
- Child Care                                                 0   0
- Other Expenses (type in other expenses here)                        0   0
- Other Expenses (type in other expenses here)                        0   0
- Other Expenses (type in other expenses here)                        0   0
  Total Other Expenditures ( M )                          0           0   0

Total Living Expenditures (add lines D - M)               0           0   0

Additional Income Available for Savings and Investment    0           0




                                                          1   January
                                                          2   February
                                                          3   March
                                                          4   April
                                                          5   May
                                                          6   June
                                                          7   July
                                                          8   August
                                                          9   September
                                                         10   October
                                                         11   November
                                                         12   December

                                                         10
                                                          9
Type in the information below in the correct columns
       Type Month and Year below:
       Month #=       10 October
         Year =              2008
       Day 1    Day 2    Day 3    Day 4   Day 5   Day 6   Day 7   Day 8
Day 9   Day 10   Day 11   Day 12   Day 13   Day 14   Day 15   Day 16   Day 17
Day 18   Day 19   Day 20   Day 21   Day 22   Day 23   Day 24   Day 25   Day 26
Day 27   Day 28   Day 29   Day 30   Day 31
          Personal Budget for the Month of November, 2008
Directions: Fill in the green cells with your data. Be careful not to modify the
            red or blue cells. Print off columns A-D for your Budget each month.
                                                         for the Month of November 2008
 [Ctrl][Shift] T will set your titles                   Budget       Actual
 [Ctrl][Shift] C will clear your titles                 Income       Income     Difference

                       Income
   Wage Earner 1                                                             0           0
   Wage Earner 2                                                             0           0
   = Total Wages and salaries                                   0            0           0
   + Interest and Dividends                                                  0           0
   + Royalties, Commissions and Rents                                        0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)         0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)         0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)         0           0
   Total Income ( A )                                           0            0           0

   Deductions (Before and After Tax)
      - Qualified Retirement Savings (401k/403-b)(D)                  0        0
      - Medical/Dental Expenses                (E)                    0        0
      - Other (type in another deduction here)                        0        0
      - Other (type in another deduction here)                        0        0
      - Other (type in another deduction here)                        0        0
        Total Before and After Tax Deductions ( B )          0        0        0
          including Retirement and Medical Deductions
   Taxes
     - Federal Taxes                                                  0        0
   - State Taxes                                                      0        0
   - Other (Type in other taxes here)                                 0        0
   Total Income and SS Taxes ( C )                           0        0        0
   After-Tax Income Available for Living Expenditures
       or Take-Home Pay (A - B - C + D + E)                  0        0        0
       but before Retirement and Medical Deductions
                                                      Budget   Actual
                                                      Amount Spending Difference
   Paying the Lord
   - Tithing                                                          0        0
   - Fast and Other Offerings                                         0        0
   - Other Contributions (type in other contributions here)           0        0
- Other Contributions (type in other contributions here)       0   0
 Total Paying the Lord ( D )                               0   0   0

Paying Yourself
- Retirement Savings (from (D) deductions above)           0   0   0
- Kids Missions and Education Savings                          0   0
- Other Retirement Savings (IRA, SEP-IRA, etc.)                0   0
- Other Savings (type in other contributions here)             0   0
- Other Savings (type in other contributions here)             0   0
  Total Paying Yourself ( E )                              0   0   0

Living Expenses
- Housing                                                      0   0
- Rent                                                         0   0
- Mortgage Payments                                            0   0
- Utilities                                                    0   0
- Maintainance                                                 0   0
- Real Eastate and Property Taxes                              0   0
- Fixed Assets-furniture, appliances, televisions, etc.        0   0
- Other Living Expenses (type in other living here)            0   0
- Other Living Expenses (type in other living here)            0   0
- Other Living Expenses (type in other living here)            0   0
  Total Housing Expenditures ( F )                         0   0   0

Food
- Food and Supplies                                            0   0
- Restaurant Expenses                                          0   0
- Food Storage (other food expense)                            0   0
- Food (type in other food here)                               0   0
 Total Food Expenditures ( G )                             0   0   0

Clothing and Personal Care
- New Clothes                                                  0   0
- Cleaning                                                     0   0
- Tailoring                                                    0   0
- Personal Care-hair Care                                      0   0
- Other Clothing and Personal Care Expenses                    0   0
- Other (type in other personal here)                          0   0
- Other (type in other personal here)                          0   0
 Total Clothing/Personal Care Expenses ( H )               0   0   0

Transportation
-   Automobile Purchase                                      0   0
-   Payments                                                 0   0
-   Gas, Tolls, Parking                                      0   0
-   Automobile Registration/Tags/Stickers                    0   0
-   Repairs                                                  0   0
-   Other (type in other transportation here)                0   0
-   Other (type in other transportation here)                0   0
    Total Transportation Expenditures ( I )              0   0   0

Recreation
- Movies, Theater, Sporting Events                           0   0
- Club Memberships                                           0   0
- Vacations                                                  0   0
- Hobbies/Dates                                              0   0
- Sporting Goods                                             0   0
- Gifts                                                      0   0
- Reading Materials (books, newspapers, magazines)           0   0
- Other (type in other recreation here)                      0   0
- Other (type in other recreation here)                      0   0
 Total Recreation Expenditures ( J )                     0   0   0

Medical Expenditures
 - Medical/Dental Expenses (from (E) deductions above)   0   0   0
- Doctor                                                     0   0
- Dental                                                     0   0
- Prescription Drugs and Medicines                           0   0
- Other Medical (type in other medical here)                 0   0
 Total Medical Expenditures ( K )                        0   0   0

Insurance Expenditures
- Health                                                     0   0
- Life                                                       0   0
- Automobile                                                 0   0
- Disability                                                 0   0
- Liability                                                  0   0
- Other (type in other insurance here)                       0   0
- Other (type in other insurance here)                       0   0
  Total Insurance Expenditures ( L )                     0   0   0

Other Expenditures
- Educational Expenditures (college loan payment)            0   0
- Child Care                                                 0   0
- Other Expenses (type in other expenses here)                        0   0
- Other Expenses (type in other expenses here)                        0   0
- Other Expenses (type in other expenses here)                        0   0
  Total Other Expenditures ( M )                          0           0   0

Total Living Expenditures (add lines D - M)               0           0   0

Additional Income Available for Savings and Investment    0           0




                                                          1   January
                                                          2   February
                                                          3   March
                                                          4   April
                                                          5   May
                                                          6   June
                                                          7   July
                                                          8   August
                                                          9   September
                                                         10   October
                                                         11   November
                                                         12   December

                                                         10
                                                          9
Type in the information below in the correct columns
       Type Month and Year below:
       Month #=       11 November
         Year =              2008
       Day 1    Day 2    Day 3    Day 4   Day 5   Day 6   Day 7   Day 8
Day 9   Day 10   Day 11   Day 12   Day 13   Day 14   Day 15   Day 16   Day 17
Day 18   Day 19   Day 20   Day 21   Day 22   Day 23   Day 24   Day 25   Day 26
Day 27   Day 28   Day 29   Day 30   Day 31
           Personal Budget for the Month of December, 2008
Directions: Fill in the green cells with your data. Be careful not to modify the
            red or blue cells. Print off columns A-D for your Budget each month.
                                                         for the Month of December 2008
 [Ctrl][Shift] T will set your titles                   Budget       Actual
 [Ctrl][Shift] C will clear your titles                 Income       Income     Difference

                       Income
   Wage Earner 1                                                             0           0
   Wage Earner 2                                                             0           0
   = Total Wages and salaries                                   0            0           0
   + Interest and Dividends                                                  0           0
   + Royalties, Commissions and Rents                                        0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)         0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)         0           0
   + Other (Type in another source here, i.e. Loan, Parents savings)         0           0
   Total Income ( A )                                           0            0           0

   Deductions (Before and After Tax)
      - Qualified Retirement Savings (401k/403-b)(D)                  0        0
      - Medical/Dental Expenses                (E)                    0        0
      - Other (type in another deduction here)                        0        0
      - Other (type in another deduction here)                        0        0
      - Other (type in another deduction here)                        0        0
        Total Before and After Tax Deductions ( B )          0        0        0
          including Retirement and Medical Deductions
   Taxes
     - Federal Taxes                                                  0        0
   - State Taxes                                                      0        0
   - Other (Type in other taxes here)                                 0        0
   Total Income and SS Taxes ( C )                           0        0        0
   After-Tax Income Available for Living Expenditures
       or Take-Home Pay (A - B - C + D + E)                  0        0        0
       but before Retirement and Medical Deductions
                                                      Budget   Actual
                                                      Amount Spending Difference
   Paying the Lord
   - Tithing                                                          0        0
   - Fast and Other Offerings                                         0        0
   - Other Contributions (type in other contributions here)           0        0
- Other Contributions (type in other contributions here)       0   0
 Total Paying the Lord ( D )                               0   0   0

Paying Yourself
- Retirement Savings (from (D) deductions above)           0   0   0
- Kids Missions and Education Savings                          0   0
- Other Retirement Savings (IRA, SEP-IRA, etc.)                0   0
- Other Savings (type in other contributions here)             0   0
- Other Savings (type in other contributions here)             0   0
  Total Paying Yourself ( E )                              0   0   0

Living Expenses
- Housing                                                      0   0
- Rent                                                         0   0
- Mortgage Payments                                            0   0
- Utilities                                                    0   0
- Maintainance                                                 0   0
- Real Eastate and Property Taxes                              0   0
- Fixed Assets-furniture, appliances, televisions, etc.        0   0
- Other Living Expenses (type in other living here)            0   0
- Other Living Expenses (type in other living here)            0   0
- Other Living Expenses (type in other living here)            0   0
  Total Housing Expenditures ( F )                         0   0   0

Food
- Food and Supplies                                            0   0
- Restaurant Expenses                                          0   0
- Food Storage (other food expense)                            0   0
- Food (type in other food here)                               0   0
 Total Food Expenditures ( G )                             0   0   0

Clothing and Personal Care
- New Clothes                                                  0   0
- Cleaning                                                     0   0
- Tailoring                                                    0   0
- Personal Care-hair Care                                      0   0
- Other Clothing and Personal Care Expenses                    0   0
- Other (type in other personal here)                          0   0
- Other (type in other personal here)                          0   0
 Total Clothing/Personal Care Expenses ( H )               0   0   0

Transportation
-   Automobile Purchase                                      0   0
-   Payments                                                 0   0
-   Gas, Tolls, Parking                                      0   0
-   Automobile Registration/Tags/Stickers                    0   0
-   Repairs                                                  0   0
-   Other (type in other transportation here)                0   0
-   Other (type in other transportation here)                0   0
    Total Transportation Expenditures ( I )              0   0   0

Recreation
- Movies, Theater, Sporting Events                           0   0
- Club Memberships                                           0   0
- Vacations                                                  0   0
- Hobbies/Dates                                              0   0
- Sporting Goods                                             0   0
- Gifts                                                      0   0
- Reading Materials (books, newspapers, magazines)           0   0
- Other (type in other recreation here)                      0   0
- Other (type in other recreation here)                      0   0
 Total Recreation Expenditures ( J )                     0   0   0

Medical Expenditures
 - Medical/Dental Expenses (from (E) deductions above)   0   0   0
- Doctor                                                     0   0
- Dental                                                     0   0
- Prescription Drugs and Medicines                           0   0
- Other Medical (type in other medical here)                 0   0
 Total Medical Expenditures ( K )                        0   0   0

Insurance Expenditures
- Health                                                     0   0
- Life                                                       0   0
- Automobile                                                 0   0
- Disability                                                 0   0
- Liability                                                  0   0
- Other (type in other insurance here)                       0   0
- Other (type in other insurance here)                       0   0
  Total Insurance Expenditures ( L )                     0   0   0

Other Expenditures
- Educational Expenditures (college loan payment)            0   0
- Child Care                                                 0   0
- Other Expenses (type in other expenses here)                        0   0
- Other Expenses (type in other expenses here)                        0   0
- Other Expenses (type in other expenses here)                        0   0
  Total Other Expenditures ( M )                          0           0   0

Total Living Expenditures (add lines D - M)               0           0   0

Additional Income Available for Savings and Investment    0           0




                                                          1   January
                                                          2   February
                                                          3   March
                                                          4   April
                                                          5   May
                                                          6   June
                                                          7   July
                                                          8   August
                                                          9   September
                                                         10   October
                                                         11   November
                                                         12   December

                                                         10
                                                          9
Type in the information below in the correct columns
       Type Month and Year below:
       Month #=       12 December
         Year =              2008
       Day 1    Day 2    Day 3    Day 4   Day 5   Day 6   Day 7   Day 8
Day 9   Day 10   Day 11   Day 12   Day 13   Day 14   Day 15   Day 16   Day 17
Day 18   Day 19   Day 20   Day 21   Day 22   Day 23   Day 24   Day 25   Day 26
Day 27   Day 28   Day 29   Day 30   Day 31
                                      Personal Income Statement

          Income Statement for the Month of January 2008
                            (Note: This is for Budget Month 1)
Directions: This file takes the data from Budget Month 1. Once you have completed the
       budget for Month 1, just print this page off for your Income Statement.


                                                                                        Actual
                                                                                        Income

                                             Income
    Wage Earner 1                                                                                0
    Wage Earner 2                                                                                0
    = Total Wages and salaries                                                                   0
    + Interest and Dividends                                                                     0
    + Royalties, Commissions and Rents                                                           0
    + Other (Type in another source here, i.e. Loan, Parents savings)                            0
    + Other (Type in another source here, i.e. Loan, Parents savings)                            0
    + Other (Type in another source here, i.e. Loan, Parents savings)                            0
    Total Income ( A )                                                                           0

    Deductions (Before and After Tax)
       - Qualified Retirement Savings (401k/403-b)(D)                                            0
       - Medical/Dental Expenses                (E)                                              0
       - Other (type in another deduction here)                                                  0
       - Other (type in another deduction here)                                                  0
       - Other (type in another deduction here)                                                  0
         Total Before and After Tax Deductions ( B )                                             0
           including Retirement and Medical Deductions
    Taxes
      - Federal Taxes                                                                            0
    - State Taxes                                                                                0
    - Other (Type in other taxes here)                                                           0
    Total Income and SS Taxes ( C )                                                              0
    After-Tax Income Available for Living Expenditures
        or Take-Home Pay (A - B - C + D + E)                                                     0
        but before Retirement and Medical Deductions
                                                                                        Actual
                                                                                        Spending
    Paying the Lord
    - Tithing                                                                                    0
    - Fast and Other Offerings                                                                   0
    - Other Contributions (type in other contributions here)                                     0
    - Other Contributions (type in other contributions here)                                     0
     Total Paying the Lord ( D )                                                                 0

    Paying Yourself
    - Retirement Savings (from (D) deductions above)                                             0
    - Kids Missions and Education Savings                                                        0
    - Other Retirement Savings (IRA, SEP-IRA, etc.)                                              0
    - Other Savings (type in other contributions here)                                           0

                                                 Page 226                                            IS M1
                              Personal Income Statement
- Other Savings (type in other contributions here)        0
  Total Paying Yourself ( E )                             0

Living Expenses
- Housing                                                 0
- Rent                                                    0
- Mortgage Payments                                       0
- Utilities                                               0
- Maintainance                                            0
- Real Eastate and Property Taxes                         0
- Fixed Assets-furniture, appliances, televisions, etc.   0
- Other Living Expenses (type in other living here)       0
- Other Living Expenses (type in other living here)       0
- Other Living Expenses (type in other living here)       0
  Total Housing Expenditures ( F )                        0

Food
- Food and Supplies                                       0
- Restaurant Expenses                                     0
- Food Storage (other food expense)                       0
- Food (type in other food here)                          0
 Total Food Expenditures ( G )                            0

Clothing and Personal Care
- New Clothes                                             0
- Cleaning                                                0
- Tailoring                                               0
- Personal Care-hair Care                                 0
- Other Clothing and Personal Care Expenses               0
- Other (type in other personal here)                     0
- Other (type in other personal here)                     0
 Total Clothing/Personal Care Expenses ( H )              0

Transportation
- Automobile Purchase                                     0
- Payments                                                0
- Gas, Tolls, Parking                                     0
- Automobile Registration/Tags/Stickers                   0
- Repairs                                                 0
- Other (type in other transportation here)               0
- Other (type in other transportation here)               0
 Total Transportation Expenditures ( I )                  0

Recreation
- Movies, Theater, Sporting Events                        0
- Club Memberships                                        0
- Vacations                                               0
- Hobbies/Dates                                           0
- Sporting Goods                                          0

                                        Page 227              IS M1
                             Personal Income Statement
-   Gifts                                                      0
-   Reading Materials (books, newspapers, magazines)           0
-   Other (type in other recreation here)                      0
-   Other (type in other recreation here)                      0
    Total Recreation Expenditures ( J )                        0

Medical Expenditures
 - Medical/Dental Expenses (from (E) deductions above)         0
- Doctor                                                       0
- Dental                                                       0
- Prescription Drugs and Medicines                             0
- Other Medical (type in other medical here)                   0
 Total Medical Expenditures ( K )                              0

Insurance Expenditures
- Health                                                       0
- Life                                                         0
- Automobile                                                   0
- Disability                                                   0
- Liability                                                    0
- Other (type in other insurance here)                         0
- Other (type in other insurance here)                         0
  Total Insurance Expenditures ( L )                           0

Other Expenditures
- Educational Expenditures (college loan payment)              0
- Child Care                                                   0
- Other Expenses (type in other expenses here)                 0
- Other Expenses (type in other expenses here)                 0
- Other Expenses (type in other expenses here)                 0
  Total Other Expenditures ( M )                               0

Total Living Expenditures (add lines D - M)                    0

Additional Income Available for Savings and Investment         0




                                                         January
                                                         February
                                                         March
                                                         April
                                                         May
                                                         June
                                                         July
                                                         August

                                         Page 228                   IS M1
Personal Income Statement
                            September
                            October
                            November
                            December




        Page 229                        IS M1
           Personal Income Statement




Spending




                   Page 230            IS M1
Personal Income Statement




        Page 231            IS M1
           Personal Income Statement




February




                   Page 232            IS M1
            Personal Income Statement
September

November
December




                    Page 233            IS M1
           Income Statement for the Month of March 2008
                            (Note: This is for Budget Month 1)
Directions: This file takes the data from Budget Month 1. Once you have completed the
       budget for Month 1, just print this page off for your Income Statement.


                                                                                        Actual
                                                                                        Income

                                             Income
   Wage Earner 1                                                                            500
   Wage Earner 2                                                                              0
   = Total Wages and salaries                                                               500
   + Interest and Dividends                                                                   0
   + Royalties, Commissions and Rents                                                         0
   + Other (Type in another source here, i.e. Loan, Parents savings)                          0
   + Other (Type in another source here, i.e. Loan, Parents savings)                          0
   + Other (Type in another source here, i.e. Loan, Parents savings)                          0
   Total Income ( A )                                                                       500

   Deductions (Before and After Tax)
     - Qualified Retirement Savings (401k/403-b)(D)                                         100
     - Medical/Dental Expenses                (E)                                             0
     - Other (type in another deduction here)                                                 0
     - Other (type in another deduction here)                                                 0
     - Other (type in another deduction here)                                                 0
       Total Before and After Tax Deductions ( B )                                          100

   Taxes
     - Federal Taxes                                                                             0
   - State Taxes                                                                                 0
   - Other (Type in other taxes here)                                                            0
   Total Income and SS Taxes ( C )                                                               0
   After-Tax Income Available for Living Expenditures
       or Take-Home Pay (A - B - C + D + E)                                                 500

                                                                                        Actual
                                                                                        Spending
   Paying the Lord
   - Tithing                                                                                     0
   - Fast and Other Offerings                                                                    0
   - Other Contributions (type in other contributions here)                                      0
- Other Contributions (type in other contributions here)     0
 Total Paying the Lord ( D )                                 0

Paying Yourself
- Retirement Savings (from (D) deductions above)           100
- Kids Missions and Education Savings                        0
- Other Retirement Savings (IRA, SEP-IRA, etc.)              0
- Other Savings (type in other contributions here)           0
- Other Savings (type in other contributions here)           0
  Total Paying Yourself ( E )                              100

Living Expenses
- Housing                                                    0
- Rent                                                       0
- Mortgage Payments                                          0
- Utilities                                                  0
- Maintainance                                               0
- Real Eastate and Property Taxes                            0
- Fixed Assets-furniture, appliances, televisions, etc.      0
- Other Living Expenses (type in other living here)          0
- Other Living Expenses (type in other living here)          0
- Other Living Expenses (type in other living here)          0
  Total Housing Expenditures ( F )                           0

Food
- Food and Supplies                                          0
- Restaurant Expenses                                        0
- Food Storage (other food expense)                          0
- Food (type in other food here)                             0
 Total Food Expenditures ( G )                               0

Clothing and Personal Care
- New Clothes                                                0
- Cleaning                                                   0
- Tailoring                                                  0
- Personal Care-hair Care                                    0
- Other Clothing and Personal Care Expenses                  0
- Other (type in other personal here)                        0
- Other (type in other personal here)                        0
 Total Clothing/Personal Care Expenses ( H )                 0

Transportation
-   Automobile Purchase                                  0
-   Payments                                             0
-   Gas, Tolls, Parking                                  0
-   Automobile Registration/Tags/Stickers                0
-   Repairs                                              0
-   Other (type in other transportation here)            0
-   Other (type in other transportation here)            0
    Total Transportation Expenditures ( I )              0

Recreation
- Movies, Theater, Sporting Events                       0
- Club Memberships                                       0
- Vacations                                              0
- Hobbies/Dates                                          0
- Sporting Goods                                         0
- Gifts                                                  0
- Reading Materials (books, newspapers, magazines)       0
- Other (type in other recreation here)                  0
- Other (type in other recreation here)                  0
 Total Recreation Expenditures ( J )                     0

Medical Expenditures
 - Medical/Dental Expenses (from (E) deductions above)   0
- Doctor                                                 0
- Dental                                                 0
- Prescription Drugs and Medicines                       0
- Other Medical (type in other medical here)             0
 Total Medical Expenditures ( K )                        0

Insurance Expenditures
- Health                                                 0
- Life                                                   0
- Automobile                                             0
- Disability                                             0
- Liability                                              0
- Other (type in other insurance here)                   0
- Other (type in other insurance here)                   0
  Total Insurance Expenditures ( L )                     0

Other Expenditures
- Educational Expenditures (college loan payment)        0
- Child Care                                             0
- Other Expenses (type in other expenses here)                 0
- Other Expenses (type in other expenses here)                 0
- Other Expenses (type in other expenses here)                 0
  Total Other Expenditures ( M )                               0

Total Living Expenditures (add lines D - M)                  100

Additional Income Available for Savings and Investment       400




                                                         January
                                                         February
                                                         March
                                                         April
                                                         May
                                                         June
                                                         July
                                                         August
                                                         September
                                                         October
                                                         November
                                                         December
Spending
February




September

November
December
                              Your Personal Balance Sheet
                                            Bryan Sudweeks

       Directions: Fill in the green cells with your data. Be careful not to modify the blue cells.
                    Assets                                           Liabilities or Debts
Monetary Assets                                              Current Bills
     Cash                                                        I. Total Unpaid Balances
     Checking
     Savings/CDs                                             Credit Card Debt
     Money Market Funds                                          Visa
     Other Monetary Assets                                       Master Card
     A. Total Monetary Assets               0                    Other Credit Cards
Investments                                                      J. Total Credit Card Debt            0
     Mutual Funds                                            Housing Loans
     Stocks                                                      First Mortgage
     Bonds                                                       2nd Home Mortgage
     Life Insurance (cash-value)                                 Home Equity Loan
     Cash Value of Annuities                                     Other Housing Debt
     Investment Real Estate (REITs, partnerships)                K. Total Housing                     0
     Other investments                                       Automobile Loans
     B. Total Investments                   0                    Automobile 1
Retirement Plans                                                 Automobile 2
     401 (k) and 403 (b)                                         Other Automobile Loans
     Company Pension                                             L. Total Automobile Loans            0
     IRA                                                     Other Debts
     Other Retirement Plans                                      College Loans
     C. Total Retirement Plans              0                    Loans on Life Insurance Policies
Housing                                                          Bank Loans
     Primary Residence                                           Installment Loans
     2nd Home                                                    Other
     Time-Shares/Condominiums                                    M. Other Debts                       0
     Other Housing                                           N. Total Debt/Liabilities                0
     D. Total Housing (at market value)     0
Automobiles                                                  Net Worth
     Automobile 1                                            H. Total Assets                          0
     Automobile 2                                            N. Less: Total Debt                      0
     Other Automobiles                                       O. Equals: Net Worth                     0
     E. Total Automobiles                   0
Personal Property                                            Key Ratios: (uses Budget M1)
     Collectibles                                            Current Ratio:                        N/A     %
     Boats                                                        (Monetary Assets/Current Liabilities)
     Furniture                                               Month's Living Expenses
     Other Personal Property                                      Covered Ratio                    N/A   Mon.
     F. Personal Property                   0                     (Monetary Assets/Monthly Living Expense)
Other Assets                                                 Debt Ratio                            N/A     %
     Money Owed You                                               (Total liabilities/Total Assets)
     Market Value of Your Business                           Long-term Debt Coverage Ratio         N/A     X
     Other                                                        (Income for Living Exp/LT Debt Payments)
     G. Other Assets                        0                     Total LT Debt Payments
                                                             Net Saving's Ratio                    N/A     %
H.   Total Assets                           0                     (Income for Savings/Income for Living)
                           Your Personal Balance Sheet (II)
                                            Bryan Sudweeks

       Directions: Fill in the green cells with your data. Be careful not to modify the blue cells.
                  Assets                                             Liabilities or Debts
Monetary Assets                                              Current Bills
     Cash                                                        I. Total Unpaid Balances
     Checking
     Savings/CDs                                             Credit Card Debt
     Money Market Funds                                          Visa
     Other Monetary Assets                                       Master Card
     A. Total Monetary Assets               0                    Other Credit Cards
Investments                                                      J. Total Credit Card Debt            0
     Mutual Funds                                            Housing Loans
     Stocks                                                      First Mortgage
     Bonds                                                       2nd Home Mortgage
     Life Insurance (cash-value)                                 Home Equity Loan
     Cash Value of Annuities                                     Other Housing Debt
     Investment Real Estate (REITs, partnerships)                K. Total Housing                     0
     Other investments                                       Automobile Loans
     B. Total Investments                   0                    Automobile 1
Retirement Plans                                                 Automobile 2
     401 (k) and 403 (b)                                         Other Automobile Loans
     Company Pension                                             L. Total Automobile Loans            0
     IRA                                                     Other Debts
     Other Retirement Plans                                      College Loans
     C. Total Retirement Plans              0                    Loans on Life Insurance Policies
Housing                                                          Bank Loans
     Primary Residence                                           Installment Loans
     2nd Home                                                    Other
     Time-Shares/Condominiums                                    M. Other Debts                       0
     Other Housing                                           N. Total Debt/Liabilities                0
     D. Total Housing (at market value)     0
Automobiles                                                  Net Worth
     Automobile 1                                            H. Total Assets                          0
     Automobile 2                                            N. Less: Total Debt                      0
     Other Automobiles                                       O. Equals: Net Worth                     0
     E. Total Automobiles                   0
Personal Property                                            Key Ratios: (Uses Budget M3)
     Collectibles                                            Current Ratio:                         N/A    %
     Boats                                                        (Monetary Assets/Current Liabilities)
     Furniture                                               Month's Living Expenses
     Other Personal Property                                      Covered Ratio                     N/A Mon.
     F. Personal Property                   0                     (Monetary Assets/Monthly Living Expense)
Other Assets                                                 Debt Ratio                             N/A    %
     Money Owed You                                               (Total liabilities/Total Assets)
     Market Value of Your Business                           Long-term Debt Coverage Ratio #DIV/0!         X
     Other                                                        (Income for Living Exp/LT Debt Payments)
     G. Other Assets                        0                     Total LT Debt Payments
                                                             Net Saving's Ratio                    100%    %
H.   Total Assets                          0                     (Income for Savings/Income for Living)
                                                           Gross Savings Ratio                  100%
                                                                 (Income for Savings/Gross Income)
Note: While some of these items may be both current (I.e. less than 1 year) and long-term, I am generalizing
    when I put them together, but I will at least be close
Current Assets                                             Current Liabilities
    A. Total Monetary Assets                  0                  I. Total Unpaid Balances               0
    Total Current Assets                      0                  J. Total Credit Card Debt              0 Note: Credit card debt
                                                                 Total Current Liabilities              0
Long-term Assets
    B. Total Investments                      0            Long-term Liabilities
    C. Total Retirement Plans                 0                  K. Total Housing                       0
    D. Total Housing (at market value)        0                  L. Total Automobile Loans              0
    E. Total Automobiles                      0                  M. Other Debts                         0
    F. Personal Property                      0                  Total Long-term Liabilities            0
    G. Other Assets                           0
    Total Long-term Assets                    0
Actual income for living expenditures divided by total Long Term debt repayments below

Note: Add your long-term debt payments in the green box.
Long-term debt payments are debt with maturities longer than one year.
      Actual savings divided by actual income for living expenses

      Actual savings divided by actual gross income




Note: Credit card debt can be either current or long-term. Since we
      suggest that you only use a credit card if you are planning to pay
       it off, I have put it under Current Liabilities.

				
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