Category Codes
for
Income, Taxes, LES and Other Deductions, Savings, and Living Expenses
1 Gross Income (Listed as "Entitlements" on DON LESs)
2 Taxes
3a LES & Payroll Deductions for Allotments, Insurance, Savings & Investments
3b Other Savings, Investments, and Life Insurance Accounts (not on LES)
3c Debt Payment
4 Groceries & Dining plus Non-food Commissary Purchases
5 Clothing & Accessories
6 Personal Care and Health
7 Children's Expenses
8 Administration & Education
9 Transportation
10 Entertainment and Recreation
11 Shelter
12 Household Operating Expenses
13 Family Assistance
14 Vacation & Travel to Family Events
Summary
Gross Income [ 1 ]
minus Taxes and All Deductions [ 2, 3a, and 3b ]
minus Planned Debt Repayment [ 3c ]
minus Living Expenses [ 4 through 14 ]
equals . . . "Net Cash Flow"
v M, 4 Nov 05
Draft ~ Working Copy ~ Draft
Estimated Average Monthly
Income, Taxes, Savings, and Living Expenses
Items in Bold Italics are on LES As of __________________
1 Gross Income (Listed as "Entitlements" on DON LESs) 7 Children's Expenses
a Basic Pay $ - a Pre-natal, New Born (Diapers, Formula, Hygiene)
b Basic Allowance for Subsistence/COMRATS $ - b Safety Items: Crib, Car Seat, Other
c Basic Allowance for Quarters $ - c Toys
d Other Allowance/Special Pay (1) d Education Fund
e Other Allowance/Special Pay (2) e Baby Sitter
f Other Allowance/Special Pay (3) f Child Care
g Spouse's Gross Pay $ - g School Expenses
h Other Income ~ Interest, Dividends, Capital Gains, Winnings (see 10 l) h Extracurricular Activities (Sports, Band & Choral, Clubs)
I Bank & Credit Union Interest i Allowance
w - x Codes for "No Cost" bank/money tranactions at bottom of this column j Alimony or Child Support (if separated from children)
Total Entitlements & Other Income Total Children's Expenses
2 Taxes 8 Administration & Education
a FITW ~Marine a Banking & Financial Services Fees (includes ATM fees, Late Charges)
b Social Security (Old Age, Survior and Disablitiy Insurance) b Reading ~ Newspapers, Magazines, Books, Audio Tapes, Subscriptions
c Medicare ~ Marine c Education
d SITW ~ Marine d Dues & Membership Fees
e FITW ~ Spouse e Gifts, Greeting Cards, Flowers (Christmas, Birthdays, Weddings, Memorials)
f Social Security (OASDI) ~ Spouse f Contributions: Church & Charity Organizations
g Medicare ~ Spouse g Postage
h SITW ~ Spouse h Computer / High Speed Access / Internet Service Provider/Printer Ink
Total Taxes i Administrative Supplies
3a LES & Payroll Deductions for Allotments, Insurance, Savings & Investments j Insurance: Personal Articles Floater & Liability Policies
a SGLI k Professional Services: Attorney, Accounting, Counseling, Court Fees/Costs
b Dental Insurance Total Administration
c TSP 9 Transportation
d Spouse SGLI a Parking / Tolls
e Montgomery GI Bill b Gas
f Savings Allotment c Oil / Lubrication
g Insurance Allotment d Repairs / Maintenance [ Parts, if your do your own maintenance ]
h Savings Bond Allotment e Automotive Tools
i USN/MC Retirement Home & NMCRS f City/County Property Tax, Parking & Decal Fees, AAA Insurance
j BAS Discounted Meal Rate g Automobile Insurance
k Spouse's Investment in Retirement Plan at Work [ e.g., 401(k), 403(b), SEP, TSP] h Fares
l Spouse's Contribution to Employer's Defined Benefit/Contribution Plan Total Transportation
m Spouse's Premium for Group Life Insurance at Work 10 Entertainment and Recreation
Total LES & Payroll Deductions a Equipment & Supplies ~ Athletics, Outdoor Activities (Hiking, Camping,
3b Other Savings, Investments, and Life Insurance Accounts (not on LES) Hunting, Fishing, Boating), Hunting & Fishing Licenses, Motor Sports, etc.
n Monthly Allotment/Deposit to a Savings Account b Hobbies: Stamps, Coins, Arts & Crafts, Woodworking, Metal Work, etc.
o Monthly Allotment/EFT to an Investment(s) c Recreation Center & Swimming Pool Fees & Expenses
p Monthly Allotment/EFT (Premium) for a non-SGLI Life Insurance Policy d Tickets to Athletic & Live Entertainment Events
Total Other Savings, Investments, and Life Insurance e Cable, Satellite Connection
3c Debt Payment f Movies, DVDs, Videos, Music CDs
q Loan 1 ~ Installment Payment (Car, Furniture, etc.) g Video Games
r Loan 2 ~ Installment Payment h Pet Equipment & Toys
s Credit Card 1 ~ Balance Payment i Beer, Wine, Spirits
t Credit Card 2 ~ Balance Payment j Dates or Hosting friends (cost "picking up tab" at a restaurant)
u Other Credit Repayment k Tobacco Products
v Other l Losses from Lottery Tickets, and other "Games of Chance"
Total Monthly Debt Payments Projected Total Entertainment & Recreation
4 Groceries & Dining plus Non-food Commissary Purchases 11 Housing
a Food for Home: Commissary & Major Grocery Purchase a Rent or Mortgage ( includes PITI )
b Snacks: Vending Machine, "Snacks, Poogy-bait, Geedunk" ["Eat with fingers"] b Renter's Insurance
c Bite to Eat: Burger King, Subway, Starbucks ["Eat with 'hands'"] c If own home outright, Property Tax plus Home Owner's Insurance
d Dining Out: Restaurant, Café, Diner ["Eat with knife, fork, and spoon"] d Storage Space (Rented)
e School Lunches Total Housing
~ Other Items Non-food Purchased at Commissary or Grocery 12 Household Operating Expenses
f Paper Products a Dry Cleaning & Laundry
g Cleaning Supplies b Fixed Telephone [ Wall Jack ]
h Household Consumables Sometimes included in 4a c Cell Phone (Pager)
i Pet Food and Pet Hygiene Supplies d Gas (Furnace, Water Heater, Stove & Oven)
j Commissary Surcharge e Electricity
k Coupons f Water ( & Sewer )
l Tip for Baggers g Sanitation & Garbage Removal
Groceries, Dining, and Household Supplies h Trees, Shrubs, Plants, Flowers, Turf, Grass Seed - Purchase
5 Clothing & Accessories i Fertilizer, Pest Control, Soil, Mulch
a Marine j Maintenance Tools, Hoses, Containers, Brushes, Utility Items, etc.
b Spouse k Maintenance Consumables: Paint, Nails, Screws, Ropes, etc.
c Uniform Items & 782 Gear l Minor Furnishings & Decorations: Small Appliances, Kitchen Utensils,
d Oldest Child China/Tableware, Sheets, Towels, Cloths, Pictures for walls, etc.
e Next Child m Major Purchases: Furniture, Large Appliances, Furnishings, Electronics
"n th" Child n SERVICES: Plumber, Painters, Pest Control, Etc.
Total Clothing & Accessories o Other
6 Personal Care and Health Total Household Operating Expenses
a Barber & Beauty Shop 13 Family Assistance
b Toilet Articles, Cosmetics, Hygiene Items Sometimes included in 4a a Marine's Parents, Brother(s) and Sister(s)
c Prescriptions, OTC vitamins & Drugs, Glasses & Lens, Supplies b Spouse's Parents, Sister(s) and Brother(s)
for Contact Lens & Other/Miscellaneous Health Care Expenses Total Family Assistance
d Doctor, Dentist, Optometrist Direct Fees 14 Vacation & Travel to Family Events
Mainly Dental Hygiene, and Glasses a Transportation
e Health & Dental Insurance b Meals
f Long Term Care Insurance c Lodging
g Veterinary Care & Pet Prescription Costs d All Other Spending While on Vacation or Family Related Travel
Total Personal Care & Health Total Vacation & Travel to Family Events
Additional Codes to Track"No Cost" Money Transactions Summary
1 w Deposit Check to Bank / Credit Union Gross Income [ 1 ]
1 x Transfer $$$ from Savings Account to Checking Account minus Taxes and All Deductions [ 2, 3a, and 3b ]
1 y ATM Withdrawal minus Planned Debt Repayment [ 3c ]
1 z ATM Withdrawal with ATM Fee minus Living Expenses [ 4 through 14 ]
equals . . . "Net Cash Flow"
# v M, 4 Nov 05
___
Estimated Average Monthly
Income, Taxes, Savings, and Living Expenses
Living in Barracks
Items in Bold Italics are on LES As of __________________
1 Gross Income (Listed as "Entitlements" on DON LESs) 7 Children's Expenses
a Basic Pay $ - a Pre-natal, New Born (Diapers, Formula, Hygiene) $ -
b Basic Allowance for Subsistence/COMRATS $ - b Safety Items: Crib, Car Seat, Other $ -
c Basic Allowance for Quarters $ - c Toys $ -
d Other Allowance/Special Pay (1) $ - d Education Fund $ -
e Other Allowance/Special Pay (2) $ - e Baby Sitter $ -
f Other Allowance/Special Pay (3) $ - f Child Care $ -
g Spouse's Gross Pay $ - g School Expenses $ -
h Other Income ~ Interest, Dividends, Capital Gains, Winnings (see 10 l) $ - h Extracurricular Activities (Sports, Band & Choral, Clubs) $ -
I Bank & Credit Union Interest $ - i Allowance $ -
w - x Codes for "No Cost" bank/money tranactions at bottom of this column j Alimony or Child Support (if separated from children) $ -
Total Entitlements & Other Income $ - Total Children's Expenses $ -
2 Taxes 8 Administration & Education
a FITW ~Marine $ - a Banking & Financial Services Fees (includes ATM fees, Late Charges) $ -
b Social Security (Old Age, Survior and Disablitiy Insurance) $ - b Reading ~ Newspapers, Magazines, Books, Audio Tapes, Subscriptions $ -
c Medicare ~ Marine $ - c Education $ -
d SITW ~ Marine $ - d Dues & Membership Fees $ -
e FITW ~ Spouse $ - e Gifts, Greeting Cards, Flowers (Christmas, Birthdays, Weddings, Memorials) $ -
f Social Security (OASDI) ~ Spouse $ - f Contributions: Church & Charity Organizations $ -
g Medicare ~ Spouse $ - g Postage $ -
h SITW ~ Spouse $ - h Computer / High Speed Access / Internet Service Provider/Printer Ink $ -
Total Taxes $ - i Administrative Supplies $ -
3a LES & Payroll Deductions for Allotments, Insurance, Savings & Investments j Insurance: Personal Articles Floater & Liability Policies $ -
a SGLI $ - k Professional Services: Attorney, Accounting, Counseling, Court Fees/Costs $ -
b Dental Insurance $ - Total Administration $ -
c TSP $ - 9 Transportation
d Spouse SGLI $ - a Parking / Tolls $ -
e Montgomery GI Bill $ - b Gas $ -
f Savings Allotment $ - c Oil / Lubrication $ -
g Insurance Allotment $ - d Repairs / Maintenance [ Parts, if your do your own maintenance ] $ -
h Savings Bond Allotment $ - e Automotive Tools $ -
i USN/MC Retirement Home & NMCRS $ - f City/County Property Tax, Parking & Decal Fees, AAA Insurance $ -
j BAS Discounted Meal Rate $ - g Automobile Insurance $ -
k Spouse's Investment in Retirement Plan at Work [ e.g., 401(k), 403(b), SEP, TSP] $ - h Fares $ -
l Spouse's Contribution to Employer's Defined Benefit/Contribution Plan $ - Total Transportation $ -
m Spouse's Premium for Group Life Insurance at Work $ - 10 Entertainment and Recreation
Total LES & Payroll Deductions $ - a Equipment & Supplies ~ Athletics, Outdoor Activities (Hiking, Camping, $ -
3b Other Savings, Investments, and Life Insurance Accounts (not on LES) Hunting, Fishing, Boating), Hunting & Fishing Licenses, Motor Sports, etc. \
n Monthly Allotment/Deposit to a Savings Account $ - b Hobbies: Stamps, Coins, Arts & Crafts, Woodworking, Metal Work, etc. $ -
o Monthly Allotment/EFT to an Investment(s) $ - c Recreation Center & Swimming Pool Fees & Expenses $ -
p Monthly Allotment/EFT (Premium) for a non-SGLI Life Insurance Policy $ - d Tickets to Athletic & Live Entertainment Events $ -
Total Other Savings, Investments, and Life Insurance $ - e Cable, Satellite Connection $ -
3c Debt Payment f Movies, DVDs, Videos, Music CDs $ -
q Loan 1 ~ Installment Payment (Car, Furniture, etc.) $ - g Video Games $ -
r Loan 2 ~ Installment Payment $ - h Pet Equipment & Toys $ -
s Credit Card 1 ~ Balance Payment $ - i Beer, Wine, Spirits $ -
t Credit Card 2 ~ Balance Payment $ - j Dates or Hosting friends (cost "picking up tab" at a restaurant) $ -
u Other Credit Repayment $ - k Tobacco Products $ -
v Other $ - l Losses from Lottery Tickets, and other "Games of Chance" $ -
Total Monthly Debt Payments Projected $ - Total Entertainment & Recreation $ -
4 Groceries & Dining plus Non-food Commissary Purchases 11 Housing
a Food for Home: Commissary & Major Grocery Purchase $ - a Rent or Mortgage ( includes PITI ) $ -
b Snacks: Vending Machine, "Snacks, Poogy-bait, Geedunk ["Eat with fingers"] $ - b Renter's Insurance $ -
c Bite to Eat: Burger King, Subway, Starbucks ["Eat with 'hands'"] $ - c If own home outright, Property Tax plus Home Owner's Insurance $ -
d Dining Out: Restaurant, Café, Diner ["Eat with knife, fork, and spoon"] $ - d Storage Space (Rented) $ -
e School Lunches $ - Total Housing $ -
~ Other Non-food Items Purchased at Commissary or Grocery $ - 12 Household Operating Expenses
f Paper Products $ - a Dry Cleaning & Laundry $ -
g Cleaning Supplies $ - b Fixed Telephone [ Wall Jack ] $ -
h Household Consumables Sometimes included in 4a $ - c Cell Phone (Pager) $ -
i Pet Food and Pet Hygiene Supplies $ - d Gas (Furnace, Water Heater, Stove & Oven) $ -
j Commissary Surcharge $ - e Electricity $ -
k Coupons $ - f Water ( & Sewer ) $ -
l Tip for Baggers $ - g Sanitation & Garbage Removal $ -
Groceries, Dining, and Household Supplies $ - h Trees, Shrubs, Plants, Flowers, Turf, Grass Seed - Purchase $ -
5 Clothing & Accessories i Fertilizer, Pest Control, Soil, Mulch $ -
a Marine $ - j Maintenance Tools, Hoses, Containers, Brushes, Utility Items, etc. $ -
b Spouse $ - k Maintenance Consumables: Paint, Nails, Screws, Ropes, etc. $ -
c Uniform Items & 782 Gear $ - l Minor Furnishings & Decorations: Small Appliances, Kitchen Utensils, $ -
d Oldest Child $ - China/Tableware, Sheets, Towels, Cloths, Pictures for walls, etc.
e Next Child $ - m Major Purchases: Furniture, Large Appliances, Furnishings, Electronics $ -
"n th" Child $ - n SERVICES: Plumber, Painters, Pest Control, Etc. $ -
Total Clothing & Accessories $ - o Other $ -
6 Personal Care and Health Total Household Operating Expenses $ -
a Barber & Beauty Shop $ - 13 Family Assistance
b Toilet Articles, Cosmetics, Hygiene Items Sometimes included in 4a $ - a Marine's Parents, Brother(s) and Sister(s) $ -
c Prescriptions, OTC vitamins & Drugs, Glasses & Lens, Supplies $ - b Spouse's Parents, Sister(s) and Brother(s) $ -
for Contact Lens & Other/Miscellaneous Health Care Expenses Total Family Assistance $ -
d Doctor, Dentist, Optometrist Direct Fees $ - 14 Vacation & Travel to Family Events
Mainly Dental Hygiene, and Glasses a Transportation $ -
e Health & Dental Insurance $ - b Meals $ -
f Long Term Care Insurance $ - c Lodging $ -
g Veterinary Care & Pet Prescription Costs $ - d All Other Spending While on Vacation or Family Related Travel
Total Personal Care & Health $ - Total Vacation & Travel to Family Events $ -
Additional Codes to Track"No Cost" Money Transactions Summary
1 w Deposit Check to Bank / Credit Union Gross Income [ 1 ] $ -
1 x Transfer $$$ from Savings Account to Checking Account minus Taxes and All Deductions [ 2, 3a, and 3b ] $ -
1 y ATM Withdrawal minus Planned Debt Repayment [ 3c ] $ -
1 z ATM Withdrawal with ATM Fee minus Living Expenses [ 4 through 14 ] $ -
equals . . . "Net Cash Flow" $ -
2-A-1 8 Nov 05 05
v M, 4 Nov
LCpl James Foley and Ms. Jessica Hingle
Estimated Average Monthly
Income, Taxes, Savings, and Living Expenses
Items in Bold Italics are on LES As of 6 Dec 05
1 Gross Income (Listed as "Entitlements" on DON LESs) 7 Children's Expenses
a Basic Pay $ - a Pre-natal, New Born (Diapers, Formula, Hygiene) $ -
b Basic Allowance for Subsistence/COMRATS $ - b Safety Items: Crib, Car Seat, Other $ -
c Basic Allowance for Quarters $ - c Toys $ -
d Other Allowance/Special Pay (1) d Education Fund $ -
e Other Allowance/Special Pay (2) e Baby Sitter $ -
f Other Allowance/Special Pay (3) f Child Care $ -
g Spouse's Gross Pay $ - g School Expenses $ -
h Other Income ~ Interest, Dividends, Capital Gains, Winnings (see 10 l) $ - h Extracurricular Activities (Sports, Band & Choral, Clubs) $ -
I Bank & Credit Union Interest $ - i Allowance $ -
w - x Codes for "No Cost" bank/money tranactions at bottom of this column j Alimony or Child Support (if separated from children) $ -
Total Entitlements & Other Income $ - Total Children's Expenses $ -
2 Taxes 8 Administration & Education
a FITW ~Marine $ - a Banking & Financial Services Fees (includes ATM fees, Late Charges) $ -
b Social Security (Old Age, Survior and Disablitiy Insurance) $ - b Reading ~ Newspapers, Magazines, Books, Audio Tapes, Subscriptions $ -
c Medicare ~ Marine $ - c Education $ -
d SITW ~ Marine $ - d Dues & Membership Fees $ -
e FITW ~ Spouse $ - e Gifts, Greeting Cards, Flowers (Christmas, Birthdays, Weddings, Memorials) $ -
f Social Security (OASDI) ~ Spouse $ - f Contributions: Church & Charity Organizations $ -
g Medicare ~ Spouse $ - g Postage $ -
h SITW ~ Spouse $ - h Computer / High Speed Access / Internet Service Provider/Printer Ink $ -
Total Taxes $ - i Administrative Supplies $ -
3a LES & Payroll Deductions for Allotments, Insurance, Savings & Investments j Insurance: Personal Articles Floater & Liability Policies $ -
a SGLI $ - k Professional Services: Attorney, Accounting, Counseling, Court Fees/Costs $ -
b Dental Insurance $ - Total Administration $ -
c TSP $ - 9 Transportation
d Spouse SGLI $ - a Parking / Tolls $ -
e Montgomery GI Bill $ - b Gas $ -
f Savings Allotment $ - c Oil / Lubrication $ -
g Insurance Allotment $ - d Repairs / Maintenance [ Parts, if your do your own maintenance ] $ -
h Savings Bond Allotment $ - e Automotive Tools $ -
i USN/MC Retirement Home & NMCRS $ - f City/County Property Tax, Parking & Decal Fees, AAA Insurance $ -
j BAS Discounted Meal Rate $ - g Automobile Insurance $ -
k Spouse's Investment in Retirement Plan at Work [ e.g., 401(k), 403(b), SEP, TSP] $ - h Fares $ -
l Spouse's Contribution to Employer's Defined Benefit/Contribution Plan $ - Total Transportation $ -
m Spouse's Premium for Group Life Insurance at Work $ - 10 Entertainment and Recreation
Total LES & Payroll Deductions $ - a Equipment & Supplies ~ Athletics, Outdoor Activities (Hiking, Camping, $ -
3b Other Savings, Investments, and Life Insurance Accounts (not on LES) Hunting, Fishing, Boating), Hunting & Fishing Licenses, Motor Sports, etc. \
n Monthly Allotment/Deposit to a Savings Account $ - b Hobbies: Stamps, Coins, Arts & Crafts, Woodworking, Metal Work, etc. $ -
o Monthly Allotment/EFT to an Investment(s) $ - c Recreation Center & Swimming Pool Fees & Expenses $ -
p Monthly Allotment/EFT (Premium) for a non-SGLI Life Insurance Policy $ - d Tickets to Athletic & Live Entertainment Events $ -
Total Other Savings, Investments, and Life Insurance $ - e Cable, Satellite Connection $ -
3c Debt Payment f Movies, DVDs, Videos, Music CDs $ -
q $ - g Video Games $ -
r $ - h Pet Equipment & Toys $ -
s $ - i Beer, Wine, Spirits $ -
t $ - j Dates or Hosting friends (cost "picking up tab" at a restaurant) $ -
u $ - k Tobacco Products $ -
v $ - l Losses from Lottery Tickets, and other "Games of Chance" $ -
Total Monthly Debt Payments Projected $ - Total Entertainment & Recreation $ -
4 Groceries & Dining plus Non-food Commissary Purchases 11 Housing
a Food for Home: Commissary & Major Grocery Purchase $ - a Rent or Mortgage ( includes PITI ) $ -
b Snacks: Vending Machine, "Snacks, Poogy-bait, Geedunk ["Eat with fingers"] $ - b Renter's Insurance $ -
c Bite to Eat: Burger King, Subway, Starbucks ["Eat with 'hands'"] $ - c If own home outright, Property Tax plus Home Owner's Insurance $ -
d Dining Out: Restaurant, Café, Diner ["Eat with knife, fork, and spoon"] $ - d Storage Space (Rented) $ -
e School Lunches $ - Total Housing $ -
~ Other Non-food Items Purchased at Commissary or Grocery $ - 12 Household Operating Expenses
f Paper Products $ - a Dry Cleaning & Laundry $ -
g Cleaning Supplies $ - b Fixed Telephone [ Wall Jack ] $ -
h Household Consumables Sometimes included in 4a $ - c Cell Phone (Pager) $ -
i Pet Food and Pet Hygiene Supplies $ - d Gas (Furnace, Water Heater, Stove & Oven) $ -
j Commissary Surcharge $ - e Electricity $ -
k Coupons $ - f Water ( & Sewer ) $ -
l Tip for Baggers $ - g Sanitation & Garbage Removal $ -
Groceries, Dining, and Household Supplies $ - h Trees, Shrubs, Plants, Flowers, Turf, Grass Seed - Purchase $ -
5 Clothing & Accessories i Fertilizer, Pest Control, Soil, Mulch $ -
a Marine $ - j Maintenance Tools, Hoses, Containers, Brushes, Utility Items, etc. $ -
b Spouse $ - k Maintenance Consumables: Paint, Nails, Screws, Ropes, etc. $ -
c Uniform Items & 782 Gear $ - l Minor Furnishings & Decorations: Small Appliances, Kitchen Utensils, $ -
d Oldest Child $ - China/Tableware, Sheets, Towels, Cloths, Pictures for walls, etc.
e Next Child $ - m Major Purchases: Furniture, Large Appliances, Furnishings, Electronics $ -
"n th" Child $ - n SERVICES: Plumber, Painters, Pest Control, Etc. $ -
Total Clothing & Accessories $ - o Other $ -
6 Personal Care and Health Total Household Operating Expenses $ -
a Barber & Beauty Shop $ - 13 Family Assistance
b Toilet Articles, Cosmetics, Hygiene Items Sometimes included in 4a $ - a Marine's Parents, Brother(s) and Sister(s) $ -
c Prescriptions, OTC vitamins & Drugs, Glasses & Lens, Supplies $ - b Spouse's Parents, Sister(s) and Brother(s) $ -
for Contact Lens & Other/Miscellaneous Health Care Expenses Total Family Assistance $ -
d Doctor, Dentist, Optometrist Direct Fees $ - 14 Vacation & Travel to Family Events
Mainly Dental Hygiene, and Glasses a Transportation $ -
e Health & Dental Insurance $ - b Meals $ -
f Long Term Care Insurance $ - c Lodging $ -
g Veterinary Care & Pet Prescription Costs $ - d All Other Spending While on Vacation or Family Related Travel $ -
Total Personal Care & Health $ - Total Vacation & Travel to Family Events $ -
Additional Codes to Track"No Cost" Money Transactions Summary
1 w Deposit Check to Bank / Credit Union Gross Income [ 1 ] $ -
1 x Transfer $$$ from Savings Account to Checking Account minus Taxes and All Deductions [ 2, 3a, and 3b ] $ -
1 y ATM Withdrawal minus Planned Debt Repayment [ 3c ] $ -
1 z ATM Withdrawal with ATM Fee minus Living Expenses [ 4 through 14 ] $ -
equals . . . "Net Cash Flow" $ -
# v M, 4 Nov
6 Dec 05 05
Draft
Estimated Average Monthly
Income, Taxes, Savings, and Living Expenses
A B C
Expenses Expenses Net Change
While Single with BAH w/o [ (xxx) means
Cash Flow Matrix
& Living Dependents decrease]
in Barracks & Living (B-A)
Off-base
1 Gross Income (Listed as "Entitlements" on DON LESs) (less BAH)
Basic Allowance for Housing (BAH)
2 Taxes
3a LES & Payroll Deductions
3b Other Savings, Investments, and Life Insurance Accounts
3c Debt Payment
4 Groceries & Dining plus Non-food Commissary Purchases
5 Clothing & Accessories
6 Personal Care and Health
7 Children's Expenses
8 Administration & Education
9 Transportation
10 Entertainment and Recreation
11 Housing
Rent
Renter's Insurance
Storage Space (Rented) Included
12 Household Operating Expenses in Rent?
Electricitly
Gas (Furnace, Water Heater, Stove and Oven)
Water
Sanitation and Garbage Removal
Fixed Telephone
Cell Phone
Cable
Other
13 Family Assistance
14 Vacation & Travel to Family Events
Gross Income, including BAH if any [ 1 ]
minus Taxes and All Deductions [ 2, 3a, and 3b ]
minus Planned Debt Repayment [ 3c ]
minus Living Expenses [ 4 through 14 ]
15 equals . . . "Net Cash Flow"
Draft ~ Working Copy ~ Draft v H, 18 Jul 05