Get documents about "Money Management Worksheets - Excel
Document Sample
Instructions:
1. Fill out the Current I&E (Income and Expense) sheet as best as you can.
You can use the Variable Expense Sheet to help with calculating budget
amounts for items that are not paid on a monthly basis.
2. Fill out the Debts sheet including at least the following:
Name of Creditor (Credit Card company, etc.)
Current Balance
Monthly Payment required
Interest Rate
3. Fill out the Balance Sheet
This is a list of everything you own (assets)
and everything you owe to others (debts)
4. After completing the above 3 steps call for an appointment with a counselor.
The first five tabs or sheets (after this one) of this Financial_Planning worksheet
contain programmed cells to help you in your planning.
The last 8 sheets are all "Forms" and can printed out to be used on paper.
If you have any suggestions or questions concerning these worksheets and forms please email
them to:
gray@IronWorksMinistries.com
MONTHLY INCOME & EXPENSES
FOR
Income (Gross Monthly) $ -
Salary 1
Salary 2 Tithe
Interest Income
Dividend Income Taxes
Rental Income
NET SPENDABLE INCOME $ -
Savings $ - Food
Goal 1
Goal 2 Clothing
Goal 3
Entertainment & Recreation $ -
Investments Dining Out
Baby Sitter
Housing $ - Activities/Trips
Mortgage or Rent Vacation
Insurance Health Club
Taxes Movies
Electric
Gas
Water/Sewer Miscellaneous $ -
Trash Removal Toiletry/Cosmetic
Telephone Beauty, Barber
Maintenance Laundry, Cleaning
Association Dues Allowances, Lunches
Home Furnishings Subscriptions
Cable / Satelitte TV Gifts
Cash
Automobile $ -
Payments School / Child Care $ -
Gas & Oil Tuition
Insurance Materials
License/Tags/Reg. Day Care
Maintenance & Repair
Replacement
Insurance $ - Debts $ -
Life Credit Cards
Medical Loans & Notes
Disability
Medical $ - TOTAL EXPENSES $ -
Doctor
Dentist Net Spendable Income $ -
Eye Less Total Expenses $ -
Prescriptions
Surplus / Shortfall $ -
R. Graham Luther 2002
DEBT PAYMENT WORKSHEET
Gross Income: $ - Total Amount Available for debts: $ -
Press [Ctrl] + [q] to order creditors Debt as percent of Total Income: #DIV/0!
Pay Off Monthly Date Percent Monthly Monthly
or Payment Payments Payment of total Payment Interest Interest
To Whom Owed Current Balance Required Left Due Debts Available Rate Amount
Name: Sample Master Card
Acct. #:
Telephone #:
$ 7,550.00 $ 135.00 5-May 100% $ - 9.99% $ 62.85
Address:
City, State, Zip:
Contact Name:
Name:
Acct. #:
Telephone #:
0% $ - $ -
Address:
City, State, Zip:
Contact Name:
Name:
Acct. #:
Telephone #:
0% $ - $ -
Address:
City, State, Zip:
Contact Name:
Name:
Acct. #:
Telephone #:
0% $ - $ -
Address:
City, State, Zip:
Contact Name:
Name:
Acct. #:
Telephone #:
0% $ - $ -
Address:
City, State, Zip:
Contact Name:
Name:
Acct. #:
Telephone #:
0% $ - $ -
Address:
City, State, Zip:
Contact Name:
Name:
Acct. #:
Telephone #:
0% $ - $ -
Address:
City, State, Zip:
Contact Name:
Name:
Acct. #:
Telephone #:
0% $ - $ -
Address:
City, State, Zip:
Contact Name:
Name:
Acct. #:
Telephone #:
$ -
Address:
City, State, Zip:
Contact Name:
TOTALS $ 7,550.00 $ 135.00 100% $ - $ 62.85
R. Graham Luther 2002
BALANCE SHEET
Liquid Assets Property
Checking 1 Residence
Checking 2 Vacation house
Savings Furnishings
Money Market Collectables and Jewelry
Automobiles
Electronics
Equity Assets Fixed Assets
Investment Real Estate Government bonds
Stocks Municipal bonds
Mutual funds Corporate bonds
Annuity Fixed annuities
Business equity
Retirement Account
TOTAL ASSETS $ -
Liabilities
Home mortgage
Other mortgage
Investment loans
Auto loans
Credit cards
Personal loans
Allimony / support
TOTAL DEBTS $ -
TOTAL ASSETS $ -
TOTAL DEBTS - $ -
NET WORTH = $ -
R. Graham Luther 2002
VARIABLE EXPENSE WORKSHEET
ENTER
Estimated Cost
Annual Per
ITEM DESCRIPTION Cost Month
Housing: Insurance divided by 12 =
Housing: Taxes divided by 12 =
Housing: water/sewer divided by 12 =
Housing: Furniture divided by 12 =
Clothing divided by 12 =
Auto: Insurance divided by 12 =
Auto: Maintenance & Repair divided by 12 =
Medical: Doctor divided by 12 =
Medical: Dentist divided by 12 =
Vacation divided by 12 =
School: Tuition divided by 12 =
divided by 12 =
divided by 12 =
divided by 12 =
divided by 12 =
divided by 12 =
divided by 12 =
divided by 12 =
MONTHLY INCOME & EXPENSES
FOR
Income (Gross Monthly) $ -
Salary 1
Salary 2 Tithe
Interest Income
Dividend Income Taxes
Rental Income
NET SPENDABLE INCOME $ -
Savings $ - Food
Goal 1
Goal 2 Clothing
Goal 3
Entertainment & Recreation $ -
Investments Dining Out
Baby Sitter
Housing $ - Activities/Trips
Mortgage or Rent Vacation
Insurance Health Club
Taxes Movies
Electric
Gas
Water/Sewer Miscellaneous $ -
Trash Removal Toiletry/Cosmetic
Telephone Beauty, Barber
Maintenance Laundry, Cleaning
Association Dues Allowances, Lunches
Home Furnishings Subscriptions
Cable / Satelitte TV Gifts
Cash
Automobile $ -
Payments School / Child Care $ -
Gas & Oil Tuition
Insurance Materials
License/Tags/Reg. Day Care
Maintenance & Repair
Replacement
Insurance $ - Debts $ -
Life Credit Cards
Medical Loans & Notes
Disability
Medical $ - TOTAL EXPENSES $ -
Doctor
Dentist Net Spendable Income $ -
Eye Less Total Expenses $ -
Prescriptions
Surplus / Shortfall $ -
R. Graham Luther 2002
RGL 2002
MONTHLY INCOME & EXPENSES
FOR
Income (Gross Monthly)
Salary 1
Salary 2 Tithe
Interest Income
Dividend Income Taxes
Rental Income
NET SPENDABLE INCOME
Savings Food
Goal 1
Goal 2 Clothing
Goal 3
Entertainment & Recreation
Investments Dining Out
Baby Sitter
Housing Activities/Trips
Mortgage or Rent Vacation
Insurance Health Club
Taxes Movies
Electric
Gas
Water/Sewer Miscellaneous
Trash Removal Toiletry/Cosmetic
Telephone Beauty, Barber
Maintenance Laundry, Cleaning
Association Dues Allowances, Lunches
Home Furnishings Subscriptions
Cable / Satelitte TV Gifts
Cash
Automobile
Payments School / Child Care
Gas & Oil Tuition
Insurance Materials
License/Tags/Reg. Day Care
Maintenance & Repair
Replacement
Insurance Debts
Life Credit Cards
Medical Loans & Notes
Disability
Medical TOTAL EXPENSES
Doctor
Dentist Net Spendable Income
Eye Less Total Expenses
Prescriptions
Surplus / Shortfall
R. Graham Luther 2002
VARIABLE EXPENSE WORKSHEET
ENTER
Estimated Cost
Annual Per
ITEM DESCRIPTION Cost Month
Housing: Insurance divided by 12 =
Housing: Taxes divided by 12 =
Housing: water/sewer divided by 12 =
Housing: Furniture divided by 12 =
Clothing divided by 12 =
Auto: Insurance divided by 12 =
Auto: Maintenance & Repair divided by 12 =
Medical: Doctor divided by 12 =
Medical: Dentist divided by 12 =
Vacation divided by 12 =
School: Tuition divided by 12 =
divided by 12 =
divided by 12 =
divided by 12 =
divided by 12 =
divided by 12 =
divided by 12 =
divided by 12 =
BALANCE SHEET
Liquid Assets Property
Checking 1 Residence
Checking 2 Vacation house
Savings Furnishings
Money Market Collectables and Jewelry
Other Automobiles
Electronics
Equity Assets Fixed Assets
Investment Real Estate Government bonds
Stocks Municipal bonds
Mutual funds Corporate bonds
Annuity Fixed annuities
Business equity
TOTAL ASSETS
Liabilities
Home mortgage
Other mortgage
Investment loans
Auto loans
Credit cards
Personal loans
Allimony / support
TOTAL DEBTS
TOTAL ASSETS
TOTAL DEBTS -
NET WORTH =
R. Graham Luther 2002
DEBT PAYMENT WORKSHEET
Gross Income: Total Amount Available for debts:
Debt as percent of Total Income:
Monthly Date Percent Monthly
Payment Payments Payment of total Payment Interest
To Whom Owed Pay Off Required Left Due Debts Available Rate
Name:
Acct. #:
Telephone #:
Address:
City, State, Zip:
Contact Name:
Name:
Acct. #:
Telephone #:
Address:
City, State, Zip:
Contact Name:
Name:
Acct. #:
Telephone #:
Address:
City, State, Zip:
Contact Name:
Name:
Acct. #:
Telephone #:
Address:
City, State, Zip:
Contact Name:
Name:
Acct. #:
Telephone #:
Address:
City, State, Zip:
Contact Name:
Name:
Acct. #:
Telephone #:
Address:
City, State, Zip:
Contact Name:
Name:
Acct. #:
Telephone #:
Address:
City, State, Zip:
Contact Name:
Name:
Acct. #:
Telephone #:
Address:
City, State, Zip:
Contact Name:
Name:
Acct. #:
Telephone #:
Address:
City, State, Zip:
Contact Name:
TOTALS
INCOME ALLOCATION
INCOME PER PAY PERIOD
INCOME
Monthly
Budget Category
Allocation
Savings
Tithe
Tax
Housing
Food
Clothing
Automotive
Insurance
Medical / Dental
Entertainment / Rec.
Misc.
School / Child Care
Investments
Debt
Surplus Income - - - -
INDIVIDUAL ACCOUNT PAGE
Account Category Allocation Allocation
DATE TRANSACTION WITHDRAWAL DEPOSIT BALANCE
SAVINGS ACCOUNT ALLOCATIONS
Date Deposit Withdrawal Balance Housing Food Clothing Auto Insurance Medical Ent./ Rec. School
18
IMPULSE BUYING LIST
Each item must be placed on the list for a minimum of 28 days
and you must obtain at least three competitive price quotes before buying.
DATE ITEM DESCRIPTION PRICE 1 PRICE 2 PRICE 3
