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					                                                                                                                                          Month                   January
                                                                            Spending Record
Date                                                                      Daily Variable Expenses

                                       Transportation                                 Household                                                              Entertainment


                                                 Maint./                                        House-                                   Prof                     Travel /
                                     Gas, etc.   Repair     Grocery   Clothes      Gifts       hold Items   Personal       Other       Services       Going Out    Vac.      Other
       (1) Spending Plan




       (2) Total                             0          0         0          0             0           0               0           0              0          0           0           0
       (3) (Over)/Under                      0          0         0          0             0           0               0           0              0          0           0           0
       (4) Last Month YTD
       (5) Total Year-to-Date                0          0         0          0             0           0               0           0              0          0           0           0
       - Use this page to record expenses that tend to be daily, variable expenses --- often the hardest to control.
       - Keep receipts throughout the day and record them at the end of the day.
       - Line (2) shows the total amount spent in each category and line (3) shows the amount each category is (over) or under the Spending Plan line (1).
       - Lines (4) & (5) show the total amount (over) or under the Spending Plan through the preceeding month, line (4) or including the current month line (5).
       - To verify that you have made each day's entry, enter the date for information entered under "Date" in the far left column.
                                                                                                                                                                 Month             January
                                                                                Spending Record
                                                                                Monthly Regular Expenses
                                                                            (generally paid by check once a month)
                                  Giving                                     Debt                                    Housing                                        Insurance
                                                                                                                                                                                        Misc Cash
                                                               Credit                               Mort /                                           Auto Pay-   Auto /                  Expen-
                             Church      Other       Savings   Cards         Educ       Other       Rent         Maint       Utilities   Other        ments      Home         Life / Med ditures
(1) Spending Plan




(2) Total                           0            0         0            0           0           0            0           0           0           0          0             0          0         0
(3) (Over)/Under                    0            0         0            0           0           0            0           0           0           0          0             0          0         0
(4) Last Month YTD
(5) Total Year-to-Date              0            0         0            0           0           0            0           0           0           0          0             0          0         0
- Use this page to record major monthly expenses for which you typically write just one or two checks per month..
- Entries can be recorded as the checks are written (preferably) or by referring back to the check ledger at a covenient time
- Total each category at the end of the month line (2) and compare to the Spending Plan line (1). Subtracting line (2) from line (1) gives you an (over) or under the budget figure for
that month line (3)
- Use the "Montly Assessment" section to reflect on the future actions that will be helpful in staying on course.

                                                                             Monthly Assessment
           Area                (Over)/Under                                 Reason                                                               Future Action




       Areas of Victory


       Areas to Watch
                                                                                                                                       Month                   February
                                                                             Spending Record
Date                                                                      Daily Variable Expenses

                                       Transportation                                  Household                                                          Entertainment
                                                                                               House-
                                                 Maint./                                         hold                                 Prof                      Travel /
                                     Gas, etc.   Repair     Grocery    Clothes     Gifts        Items    Personal       Other       Services       Going Out     Vac.      Other
       (1) Spending Plan                     0          0          0          0            0        0            0              0              0          0            0           0




       (2) Total                             0          0          0          0            0        0               0           0              0          0            0           0
       (3) (Over)/Under                      0          0          0          0            0        0               0           0              0          0            0           0
       (4) Last Month YTD                    0          0          0          0            0        0               0           0              0          0            0           0
       (5) Total Year-to-Date                0          0          0          0            0        0               0           0              0          0            0           0
       - Use this page to record expenses that tend to be daily, variable expenses --- often the hardest to control.
       - Keep receipts throughout the day and record them at the end of the day.
       - Line (2) shows the total amount spent in each category and line (3) shows the amount each category is (over) or under the Spending Plan line (1).
       - Lines (4) & (5) show the total amount (over) or under the Spending Plan through the preceeding month, line (4) or including the current month line (5).
       - To verify that you have made each day's entry, enter the date for information entered under "Date" in the far left column.
                                                                                                                                                                      Month             February
                                                                                    Spending Record
                                                                                   Monthly Regular Expenses
                                                                               (generally paid by check once a month)
                                     Giving                                       Debt                                   Housing                                         Insurance
                                                                                                                                                                                             Misc Cash
                                                                  Credit                                 Mort /                                           Auto Pay-   Auto /                  Expen-
                               Church      Other       Savings    Cards           Educ       Other       Rent         Maint       Utilities   Other        ments      Home         Life / Med ditures
(1) Spending Plan                     0            0         0             0             0           0            0           0           0           0          0             0          0         0




(2) Total                             0            0         0             0             0           0            0           0           0           0          0             0          0         0
(3) (Over)/Under                      0            0         0             0             0           0            0           0           0           0          0             0          0         0
(4) Last Month YTD                    0            0         0             0             0           0            0           0           0           0          0             0          0         0
(5) Total Year-to-Date                0            0         0             0             0           0            0           0           0           0          0             0          0         0
- Use this page to record major monthly expenses for which you typically write just one or two checks per month..
- Entries can be recorded as the checks are written (preferably) or by referring back to the check ledger at a covenient time
- Total each category at the end of the month line (2) and compare to the Spending Plan line (1). Subtracting line (2) from line (1) gives you an (over) or under the budget figure for
that month line (3)
- Use the "Montly Assessment" section to reflect on the future actions that will be helpful in staying on course.

                                                                                  Monthly Assessment
            Area                  (Over)/Under                                   Reason                                                               Future Action




  Areas of Victory


   Areas to Watch
                                                                                                                                       Month                   March
                                                                             Spending Record
Date                                                                      Daily Variable Expenses

                                       Transportation                                  Household                                                          Entertainment
                                                                                               House-
                                                 Maint./                                         hold                                 Prof                     Travel /
                                     Gas, etc.   Repair     Grocery    Clothes     Gifts        Items    Personal       Other       Services       Going Out    Vac.      Other
       (1) Spending Plan                     0          0          0          0            0        0            0              0              0          0           0           0




       (2) Total                             0          0          0          0            0        0               0           0              0          0           0           0
       (3) (Over)/Under                      0          0          0          0            0        0               0           0              0          0           0           0
       (4) Last Month YTD                    0          0          0          0            0        0               0           0              0          0           0           0
       (5) Total Year-to-Date                0          0          0          0            0        0               0           0              0          0           0           0
       - Use this page to record expenses that tend to be daily, variable expenses --- often the hardest to control.
       - Keep receipts throughout the day and record them at the end of the day.
       - Line (2) shows the total amount spent in each category and line (3) shows the amount each category is (over) or under the Spending Plan line (1).
       - Lines (4) & (5) show the total amount (over) or under the Spending Plan through the preceeding month, line (4) or including the current month line (5).
       - To verify that you have made each day's entry, enter the date for information entered under "Date" in the far left column.
                                                                                                                                                                      Month              March
                                                                                    Spending Record
                                                                                   Monthly Regular Expenses
                                                                               (generally paid by check once a month)
                                     Giving                                       Debt                                   Housing                                         Insurance
                                                                                                                                                                                             Misc Cash
                                                                  Credit                                 Mort /                                           Auto Pay-   Auto /                  Expen-
                               Church      Other       Savings    Cards           Educ       Other       Rent         Maint       Utilities   Other        ments      Home         Life / Med ditures
(1) Spending Plan                     0            0         0             0             0           0            0           0           0           0          0             0          0         0




(2) Total                             0            0         0             0             0           0            0           0           0           0          0             0          0         0
(3) (Over)/Under                      0            0         0             0             0           0            0           0           0           0          0             0          0         0
(4) Last Month YTD                    0            0         0             0             0           0            0           0           0           0          0             0          0         0
(5) Total Year-to-Date                0            0         0             0             0           0            0           0           0           0          0             0          0         0
- Use this page to record major monthly expenses for which you typically write just one or two checks per month..
- Entries can be recorded as the checks are written (preferably) or by referring back to the check ledger at a covenient time
- Total each category at the end of the month line (2) and compare to the Spending Plan line (1). Subtracting line (2) from line (1) gives you an (over) or under the budget figure for
that month line (3)
- Use the "Montly Assessment" section to reflect on the future actions that will be helpful in staying on course.

                                                                                  Monthly Assessment
            Area                  (Over)/Under                                   Reason                                                               Future Action




  Areas of Victory


   Areas to Watch
                                                                                                                                       Month                    April
                                                                             Spending Record
Date                                                                      Daily Variable Expenses

                                       Transportation                                  Household                                                          Entertainment
                                                                                               House-
                                                 Maint./                                         hold                                 Prof                     Travel /
                                     Gas, etc.   Repair     Grocery    Clothes     Gifts        Items    Personal       Other       Services       Going Out    Vac.        Other
       (1) Spending Plan                     0          0          0          0            0        0            0              0              0          0             0           0




       (2) Total                             0          0          0          0            0        0               0           0              0          0             0           0
       (3) (Over)/Under                      0          0          0          0            0        0               0           0              0          0             0           0
       (4) Last Month YTD                    0          0          0          0            0        0               0           0              0          0             0           0
       (5) Total Year-to-Date                0          0          0          0            0        0               0           0              0          0             0           0
       - Use this page to record expenses that tend to be daily, variable expenses --- often the hardest to control.
       - Keep receipts throughout the day and record them at the end of the day.
       - Line (2) shows the total amount spent in each category and line (3) shows the amount each category is (over) or under the Spending Plan line (1).
       - Lines (4) & (5) show the total amount (over) or under the Spending Plan through the preceeding month, line (4) or including the current month line (5).
       - To verify that you have made each day's entry, enter the date for information entered under "Date" in the far left column.
                                                                                                                                                                      Month               April
                                                                                    Spending Record
                                                                                   Monthly Regular Expenses
                                                                               (generally paid by check once a month)
                                     Giving                                       Debt                                   Housing                                         Insurance
                                                                                                                                                                                             Misc Cash
                                                                  Credit                                 Mort /                                           Auto Pay-   Auto /                  Expen-
                               Church      Other       Savings    Cards           Educ       Other       Rent         Maint       Utilities   Other        ments      Home         Life / Med ditures
(1) Spending Plan                     0            0         0             0             0           0            0           0           0           0          0             0          0         0




(2) Total                             0            0         0             0             0           0            0           0           0           0          0             0          0         0
(3) (Over)/Under                      0            0         0             0             0           0            0           0           0           0          0             0          0         0
(4) Last Month YTD                    0            0         0             0             0           0            0           0           0           0          0             0          0         0
(5) Total Year-to-Date                0            0         0             0             0           0            0           0           0           0          0             0          0         0
- Use this page to record major monthly expenses for which you typically write just one or two checks per month..
- Entries can be recorded as the checks are written (preferably) or by referring back to the check ledger at a covenient time
- Total each category at the end of the month line (2) and compare to the Spending Plan line (1). Subtracting line (2) from line (1) gives you an (over) or under the budget figure for
that month line (3)
- Use the "Montly Assessment" section to reflect on the future actions that will be helpful in staying on course.

                                                                                  Monthly Assessment
            Area                  (Over)/Under                                   Reason                                                               Future Action




  Areas of Victory


   Areas to Watch
                                                                                                                                       Month                    May
                                                                             Spending Record
Date                                                                      Daily Variable Expenses

                                       Transportation                                  Household                                                          Entertainment
                                                                                               House-
                                                 Maint./                                         hold                                 Prof                     Travel /
                                     Gas, etc.   Repair     Grocery    Clothes     Gifts        Items    Personal       Other       Services       Going Out    Vac.      Other
       (1) Spending Plan                     0          0          0          0            0        0            0              0              0          0           0           0




       (2) Total                             0          0          0          0            0        0               0           0              0          0           0           0
       (3) (Over)/Under                      0          0          0          0            0        0               0           0              0          0           0           0
       (4) Last Month YTD                    0          0          0          0            0        0               0           0              0          0           0           0
       (5) Total Year-to-Date                0          0          0          0            0        0               0           0              0          0           0           0
       - Use this page to record expenses that tend to be daily, variable expenses --- often the hardest to control.
       - Keep receipts throughout the day and record them at the end of the day.
       - Line (2) shows the total amount spent in each category and line (3) shows the amount each category is (over) or under the Spending Plan line (1).
       - Lines (4) & (5) show the total amount (over) or under the Spending Plan through the preceeding month, line (4) or including the current month line (5).
       - To verify that you have made each day's entry, enter the date for information entered under "Date" in the far left column.
                                                                                                                                                                      Month               May
                                                                                    Spending Record
                                                                                   Monthly Regular Expenses
                                                                               (generally paid by check once a month)
                                     Giving                                       Debt                                   Housing                                         Insurance
                                                                                                                                                                                             Misc Cash
                                                                  Credit                                 Mort /                                           Auto Pay-   Auto /                  Expen-
                               Church      Other       Savings    Cards           Educ       Other       Rent         Maint       Utilities   Other        ments      Home         Life / Med ditures
(1) Spending Plan                     0            0         0             0             0           0            0           0           0           0          0             0          0         0




(2) Total                             0            0         0             0             0           0            0           0           0           0          0             0          0         0
(3) (Over)/Under                      0            0         0             0             0           0            0           0           0           0          0             0          0         0
(4) Last Month YTD                    0            0         0             0             0           0            0           0           0           0          0             0          0         0
(5) Total Year-to-Date                0            0         0             0             0           0            0           0           0           0          0             0          0         0
- Use this page to record major monthly expenses for which you typically write just one or two checks per month..
- Entries can be recorded as the checks are written (preferably) or by referring back to the check ledger at a covenient time
- Total each category at the end of the month line (2) and compare to the Spending Plan line (1). Subtracting line (2) from line (1) gives you an (over) or under the budget figure for
that month line (3)
- Use the "Montly Assessment" section to reflect on the future actions that will be helpful in staying on course.

                                                                                  Monthly Assessment
            Area                  (Over)/Under                                   Reason                                                               Future Action




  Areas of Victory


   Areas to Watch
                                                                                                                                       Month                    June
                                                                             Spending Record
Date                                                                      Daily Variable Expenses

                                       Transportation                                  Household                                                          Entertainment
                                                                                               House-
                                                 Maint./                                         hold                                 Prof                     Travel /
                                     Gas, etc.   Repair     Grocery    Clothes     Gifts        Items    Personal       Other       Services       Going Out    Vac.       Other
       (1) Spending Plan                     0          0          0          0            0        0            0              0              0          0            0           0




       (2) Total                             0          0          0          0            0        0               0           0              0          0            0           0
       (3) (Over)/Under                      0          0          0          0            0        0               0           0              0          0            0           0
       (4) Last Month YTD                    0          0          0          0            0        0               0           0              0          0            0           0
       (5) Total Year-to-Date                0          0          0          0            0        0               0           0              0          0            0           0
       - Use this page to record expenses that tend to be daily, variable expenses --- often the hardest to control.
       - Keep receipts throughout the day and record them at the end of the day.
       - Line (2) shows the total amount spent in each category and line (3) shows the amount each category is (over) or under the Spending Plan line (1).
       - Lines (4) & (5) show the total amount (over) or under the Spending Plan through the preceeding month, line (4) or including the current month line (5).
       - To verify that you have made each day's entry, enter the date for information entered under "Date" in the far left column.
                                                                                                                                                                      Month               June
                                                                                    Spending Record
                                                                                   Monthly Regular Expenses
                                                                               (generally paid by check once a month)
                                     Giving                                       Debt                                   Housing                                         Insurance
                                                                                                                                                                                             Misc Cash
                                                                  Credit                                 Mort /                                           Auto Pay-   Auto /                  Expen-
                               Church      Other       Savings    Cards           Educ       Other       Rent         Maint       Utilities   Other        ments      Home         Life / Med ditures
(1) Spending Plan                     0            0         0             0             0           0            0           0           0           0          0             0          0         0




(2) Total                             0            0         0             0             0           0            0           0           0           0          0             0          0         0
(3) (Over)/Under                      0            0         0             0             0           0            0           0           0           0          0             0          0         0
(4) Last Month YTD                    0            0         0             0             0           0            0           0           0           0          0             0          0         0
(5) Total Year-to-Date                0            0         0             0             0           0            0           0           0           0          0             0          0         0
- Use this page to record major monthly expenses for which you typically write just one or two checks per month..
- Entries can be recorded as the checks are written (preferably) or by referring back to the check ledger at a covenient time
- Total each category at the end of the month line (2) and compare to the Spending Plan line (1). Subtracting line (2) from line (1) gives you an (over) or under the budget figure for
that month line (3)
- Use the "Montly Assessment" section to reflect on the future actions that will be helpful in staying on course.

                                                                                  Monthly Assessment
            Area                  (Over)/Under                                   Reason                                                               Future Action




  Areas of Victory


   Areas to Watch
                                                                                                                                       Month                    July
                                                                             Spending Record
Date                                                                      Daily Variable Expenses

                                       Transportation                                  Household                                                          Entertainment
                                                                                               House-
                                                 Maint./                                         hold                                 Prof                     Travel /
                                     Gas, etc.   Repair     Grocery    Clothes     Gifts        Items    Personal       Other       Services       Going Out    Vac.       Other
       (1) Spending Plan                     0          0          0          0            0        0            0              0              0          0            0           0




       (2) Total                             0          0          0          0            0        0               0           0              0          0            0           0
       (3) (Over)/Under                      0          0          0          0            0        0               0           0              0          0            0           0
       (4) Last Month YTD                    0          0          0          0            0        0               0           0              0          0            0           0
       (5) Total Year-to-Date                0          0          0          0            0        0               0           0              0          0            0           0
       - Use this page to record expenses that tend to be daily, variable expenses --- often the hardest to control.
       - Keep receipts throughout the day and record them at the end of the day.
       - Line (2) shows the total amount spent in each category and line (3) shows the amount each category is (over) or under the Spending Plan line (1).
       - Lines (4) & (5) show the total amount (over) or under the Spending Plan through the preceeding month, line (4) or including the current month line (5).
       - To verify that you have made each day's entry, enter the date for information entered under "Date" in the far left column.
                                                                                                                                                                      Month               July
                                                                                   Spending Record
                                                                                   Monthly Regular Expenses
                                                                               (generally paid by check once a month)
                                     Giving                                      Debt                                    Housing                                         Insurance
                                                                                                                                                                                             Misc Cash
                                                                  Credit                                 Mort /                                           Auto Pay-   Auto /                  Expen-
                               Church      Other       Savings    Cards          Educ        Other       Rent         Maint       Utilities   Other        ments      Home         Life / Med ditures
(1) Spending Plan                     0            0         0             0            0            0            0           0           0           0          0             0          0         0




(2) Total                             0            0         0             0            0            0            0           0           0           0          0             0          0         0
(3) (Over)/Under                      0            0         0             0            0            0            0           0           0           0          0             0          0         0
(4) Last Month YTD                    0            0         0             0            0            0            0           0           0           0          0             0          0         0
(5) Total Year-to-Date                0            0         0             0            0            0            0           0           0           0          0             0          0         0
- Use this page to record major monthly expenses for which you typically write just one or two checks per month..
- Entries can be recorded as the checks are written (preferably) or by referring back to the check ledger at a covenient time
- Total each category at the end of the month line (2) and compare to the Spending Plan line (1). Subtracting line (2) from line (1) gives you an (over) or under the budget figure for
that month line (3)
- Use the "Montly Assessment" section to reflect on the future actions that will be helpful in staying on course.

                                                                                 Monthly Assessment
            Area                  (Over)/Under                                 Reason                                                                 Future Action




  Areas of Victory


   Areas to Watch
                                                                                                                                       Month                   August
                                                                             Spending Record
Date                                                                      Daily Variable Expenses

                                       Transportation                                  Household                                                          Entertainment
                                                                                               House-
                                                 Maint./                                         hold                                 Prof                     Travel /
                                     Gas, etc.   Repair     Grocery    Clothes     Gifts        Items    Personal       Other       Services       Going Out    Vac.      Other
       (1) Spending Plan                     0          0          0          0            0        0            0              0              0          0           0           0




       (2) Total                             0          0          0          0            0        0               0           0              0          0           0           0
       (3) (Over)/Under                      0          0          0          0            0        0               0           0              0          0           0           0
       (4) Last Month YTD                    0          0          0          0            0        0               0           0              0          0           0           0
       (5) Total Year-to-Date                0          0          0          0            0        0               0           0              0          0           0           0
       - Use this page to record expenses that tend to be daily, variable expenses --- often the hardest to control.
       - Keep receipts throughout the day and record them at the end of the day.
       - Line (2) shows the total amount spent in each category and line (3) shows the amount each category is (over) or under the Spending Plan line (1).
       - Lines (4) & (5) show the total amount (over) or under the Spending Plan through the preceeding month, line (4) or including the current month line (5).
       - To verify that you have made each day's entry, enter the date for information entered under "Date" in the far left column.
                                                                                                                                                                     Month             August
                                                                                   Spending Record
                                                                                  Monthly Regular Expenses
                                                                              (generally paid by check once a month)
                                     Giving                                      Debt                                   Housing                                         Insurance
                                                                                                                                                                                            Misc Cash
                                                                 Credit                                 Mort /                                           Auto Pay-   Auto /                  Expen-
                               Church      Other       Savings   Cards           Educ       Other       Rent         Maint       Utilities   Other        ments      Home         Life / Med ditures
(1) Spending Plan                     0            0         0            0             0           0            0           0           0           0          0             0          0         0




(2) Total                             0            0         0            0             0           0            0           0           0           0          0             0          0         0
(3) (Over)/Under                      0            0         0            0             0           0            0           0           0           0          0             0          0         0
(4) Last Month YTD                    0            0         0            0             0           0            0           0           0           0          0             0          0         0
(5) Total Year-to-Date                0          0          0           0           0            0         0         0          0           0         0           0          0          0
- Use this page to record major monthly expenses for which you typically write just one or two checks per month..
- Entries can be recorded as the checks are written (preferably) or by referring back to the check ledger at a covenient time
- Total each category at the end of the month line (2) and compare to the Spending Plan line (1). Subtracting line (2) from line (1) gives you an (over) or under the budget figure for
that month line (3)
- Use the "Montly Assessment" section to reflect on the future actions that will be helpful in staying on course.

                                                                                 Monthly Assessment
            Area                 (Over)/Under                                   Reason                                                               Future Action




  Areas of Victory


   Areas to Watch
                                                                                                                                      Month                   September
                                                                            Spending Record
Date                                                                      Daily Variable Expenses

                                       Transportation                                 Household                                                          Entertainment
                                                                                               House-
                                                 Maint./                                         hold                                Prof                      Travel /
                                     Gas, etc.   Repair     Grocery   Clothes      Gifts        Items   Personal       Other       Services       Going Out     Vac.      Other
       (1) Spending Plan                    0           0         0          0             0        0           0              0              0          0            0           0




       (2) Total                            0           0         0          0             0        0              0           0              0          0            0           0
       (3) (Over)/Under                     0           0         0          0             0        0              0           0              0          0            0           0
       (4) Last Month YTD                   0           0         0          0             0        0              0           0              0          0            0           0
       (5) Total Year-to-Date               0           0         0          0             0        0              0           0              0          0            0           0
       - Use this page to record expenses that tend to be daily, variable expenses --- often the hardest to control.
       - Keep receipts throughout the day and record them at the end of the day.
       - Line (2) shows the total amount spent in each category and line (3) shows the amount each category is (over) or under the Spending Plan line (1).
       - Lines (4) & (5) show the total amount (over) or under the Spending Plan through the preceeding month, line (4) or including the current month line (5).
       - To verify that you have made each day's entry, enter the date for information entered under "Date" in the far left column.
                                                                                                                                                                     Month            September
                                                                                    Spending Record
                                                                                  Monthly Regular Expenses
                                                                              (generally paid by check once a month)
                                     Giving                                      Debt                                   Housing                                         Insurance
                                                                                                                                                                                            Misc Cash
                                                                 Credit                                 Mort /                                           Auto Pay-   Auto /                  Expen-
                               Church      Other       Savings   Cards           Educ       Other       Rent         Maint       Utilities   Other        ments      Home         Life / Med ditures
(1) Spending Plan                     0            0         0            0             0           0            0           0           0           0          0             0          0         0




(2) Total                             0            0         0            0             0           0            0           0           0           0          0             0          0         0
(3) (Over)/Under                      0            0         0            0             0           0            0           0           0           0          0             0          0         0
(4) Last Month YTD                    0            0         0            0             0           0            0           0           0           0          0             0          0         0
(5) Total Year-to-Date                0            0         0            0             0           0            0           0           0           0          0             0          0         0
- Use this page to record major monthly expenses for which you typically write just one or two checks per month..
- Entries can be recorded as the checks are written (preferably) or by referring back to the check ledger at a covenient time
- Total each category at the end of the month line (2) and compare to the Spending Plan line (1). Subtracting line (2) from line (1) gives you an (over) or under the budget figure for
that month line (3)
- Use the "Montly Assessment" section to reflect on the future actions that will be helpful in staying on course.

                                                                                 Monthly Assessment
            Area                 (Over)/Under                                   Reason                                                               Future Action




  Areas of Victory


   Areas to Watch
                                                                                                                                       Month                   October
                                                                             Spending Record
Date                                                                      Daily Variable Expenses

                                       Transportation                                  Household                                                          Entertainment
                                                                                               House-
                                                 Maint./                                         hold                                 Prof                     Travel /
                                     Gas, etc.   Repair     Grocery    Clothes     Gifts        Items    Personal       Other       Services       Going Out    Vac.      Other
       (1) Spending Plan                     0          0          0          0            0        0            0              0              0          0           0           0




       (2) Total                             0          0          0          0            0        0               0           0              0          0           0           0
       (3) (Over)/Under                      0          0          0          0            0        0               0           0              0          0           0           0
       (4) Last Month YTD                    0          0          0          0            0        0               0           0              0          0           0           0
       (5) Total Year-to-Date                0          0          0          0            0        0               0           0              0          0           0           0
       - Use this page to record expenses that tend to be daily, variable expenses --- often the hardest to control.
       - Keep receipts throughout the day and record them at the end of the day.
       - Line (2) shows the total amount spent in each category and line (3) shows the amount each category is (over) or under the Spending Plan line (1).
       - Lines (4) & (5) show the total amount (over) or under the Spending Plan through the preceeding month, line (4) or including the current month line (5).
       - To verify that you have made each day's entry, enter the date for information entered under "Date" in the far left column.
                                                                                                                                                                      Month             October
                                                                                   Spending Record
                                                                                   Monthly Regular Expenses
                                                                               (generally paid by check once a month)
                                     Giving                                      Debt                                    Housing                                         Insurance
                                                                                                                                                                                             Misc Cash
                                                                  Credit                                 Mort /                                           Auto Pay-   Auto /                  Expen-
                               Church      Other       Savings    Cards          Educ        Other       Rent         Maint       Utilities   Other        ments      Home         Life / Med ditures
(1) Spending Plan                     0            0         0             0            0            0            0           0           0           0          0             0          0         0




(2) Total                             0            0         0             0            0            0            0           0           0           0          0             0          0         0
(3) (Over)/Under                      0            0         0             0            0            0            0           0           0           0          0             0          0         0
(4) Last Month YTD                    0            0         0             0            0            0            0           0           0           0          0             0          0         0
(5) Total Year-to-Date                0            0         0             0            0            0            0           0           0           0          0             0          0         0
- Use this page to record major monthly expenses for which you typically write just one or two checks per month..
- Entries can be recorded as the checks are written (preferably) or by referring back to the check ledger at a covenient time
- Total each category at the end of the month line (2) and compare to the Spending Plan line (1). Subtracting line (2) from line (1) gives you an (over) or under the budget figure for
that month line (3)
- Use the "Montly Assessment" section to reflect on the future actions that will be helpful in staying on course.

                                                                                 Monthly Assessment
            Area                  (Over)/Under                                 Reason                                                                 Future Action




  Areas of Victory


   Areas to Watch
                                                                                                                                      Month                   November
                                                                            Spending Record
Date                                                                      Daily Variable Expenses

                                       Transportation                                 Household                                                          Entertainment
                                                                                               House-
                                                 Maint./                                         hold                                Prof                      Travel /
                                     Gas, etc.   Repair     Grocery    Clothes     Gifts        Items   Personal       Other       Services       Going Out     Vac.      Other
       (1) Spending Plan                    0           0         0          0             0        0            0             0              0          0            0           0




       (2) Total                             0          0          0          0            0        0              0           0              0          0            0           0
       (3) (Over)/Under                      0          0          0          0            0        0              0           0              0          0            0           0
       (4) Last Month YTD                    0          0          0          0            0        0              0           0              0          0            0           0
       (5) Total Year-to-Date                0          0          0          0            0        0              0           0              0          0            0           0
       - Use this page to record expenses that tend to be daily, variable expenses --- often the hardest to control.
       - Keep receipts throughout the day and record them at the end of the day.
       - Line (2) shows the total amount spent in each category and line (3) shows the amount each category is (over) or under the Spending Plan line (1).
       - Lines (4) & (5) show the total amount (over) or under the Spending Plan through the preceeding month, line (4) or including the current month line (5).
       - To verify that you have made each day's entry, enter the date for information entered under "Date" in the far left column.
                                                                                                                                                                      Month             November
                                                                                    Spending Record
                                                                                   Monthly Regular Expenses
                                                                               (generally paid by check once a month)
                                     Giving                                       Debt                                   Housing                                         Insurance


                                                                  Credit                                 Mort /                                           Auto Pay-   Auto /
                               Church      Other       Savings    Cards           Educ       Other       Rent         Maint       Utilities   Other        ments      Home         Life / Med
(1) Spending Plan                     0            0         0             0             0           0            0           0           0           0          0             0           0




(2) Total                             0            0         0             0             0           0            0           0           0           0          0             0           0
(3) (Over)/Under                      0            0         0             0             0           0            0           0           0           0          0             0           0
(4) Last Month YTD                    0            0         0             0             0           0            0           0           0           0          0             0           0
(5) Total Year-to-Date                0            0         0             0             0           0            0           0           0           0          0             0           0
- Use this page to record major monthly expenses for which you typically write just one or two checks per month..
- Entries can be recorded as the checks are written (preferably) or by referring back to the check ledger at a covenient time
- Total each category at the end of the month line (2) and compare to the Spending Plan line (1). Subtracting line (2) from line (1) gives you an (over) or under the budget figure for
that month line (3)
- Use the "Montly Assessment" section to reflect on the future actions that will be helpful in staying on course.

                                                                                  Monthly Assessment
            Area                  (Over)/Under                                   Reason                                                               Future Action




  Areas of Victory


   Areas to Watch
November




      Misc Cash
       Expen-
       ditures
                 0




                 0
                 0
                 0
                 0



get figure for
                                                                                                                                       Month                   December
                                                                             Spending Record
Date                                                                      Daily Variable Expenses

                                       Transportation                                  Household                                                          Entertainment
                                                                                               House-
                                                 Maint./                                         hold                                 Prof                      Travel /
                                     Gas, etc.   Repair     Grocery    Clothes     Gifts        Items    Personal       Other       Services       Going Out     Vac.      Other
       (1) Spending Plan                     0          0          0          0            0        0            0              0              0          0            0           0




       (2) Total                             0          0          0          0            0        0               0           0              0          0            0           0
       (3) (Over)/Under                      0          0          0          0            0        0               0           0              0          0            0           0
       (4) Last Month YTD                    0          0          0          0            0        0               0           0              0          0            0           0
       (5) Total Year-to-Date                0          0          0          0            0        0               0           0              0          0            0           0
       - Use this page to record expenses that tend to be daily, variable expenses --- often the hardest to control.
       - Keep receipts throughout the day and record them at the end of the day.
       - Line (2) shows the total amount spent in each category and line (3) shows the amount each category is (over) or under the Spending Plan line (1).
       - Lines (4) & (5) show the total amount (over) or under the Spending Plan through the preceeding month, line (4) or including the current month line (5).
       - To verify that you have made each day's entry, enter the date for information entered under "Date" in the far left column.
                                                                                                                                                                      Month            December
                                                                                    Spending Record
                                                                                   Monthly Regular Expenses
                                                                               (generally paid by check once a month)
                                     Giving                                       Debt                                   Housing                                         Insurance
                                                                                                                                                                                             Misc Cash
                                                                  Credit                                 Mort /                                           Auto Pay-   Auto /                  Expen-
                               Church      Other       Savings    Cards           Educ       Other       Rent         Maint       Utilities   Other        ments      Home         Life / Med ditures
(1) Spending Plan                     0            0         0             0             0           0            0           0           0           0          0             0          0         0




(2) Total                             0            0         0             0             0           0            0           0           0           0          0             0          0         0
(3) (Over)/Under                      0            0         0             0             0           0            0           0           0           0          0             0          0         0
(4) Last Month YTD                    0            0         0             0             0           0            0           0           0           0          0             0          0         0
(5) Total Year-to-Date                0            0         0             0             0           0            0           0           0           0          0             0          0         0
- Use this page to record major monthly expenses for which you typically write just one or two checks per month..
- Entries can be recorded as the checks are written (preferably) or by referring back to the check ledger at a covenient time
- Total each category at the end of the month line (2) and compare to the Spending Plan line (1). Subtracting line (2) from line (1) gives you an (over) or under the budget figure for
that month line (3)
- Use the "Montly Assessment" section to reflect on the future actions that will be helpful in staying on course.

                                                                                  Monthly Assessment
            Area                  (Over)/Under                                   Reason                                                               Future Action




  Areas of Victory


   Areas to Watch

				
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