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create monthly budget

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									                       Sample Monthly Budget
      INCOME:
Monthly Income #1 (after taxes) _______________
Monthly Income #2 (after taxes) _______________
Monthly Income #3 (after taxes) ________________


        EXPENSES:
Tithe (10% on the gross, before taxes)             ___________
Other offerings and donations

Savings (2%-10% or more)                           ___________

Monthly Housing Expenses:
      Mortgage                                     ___________
      Rent                                         ___________
      Groceries and Household Supplies             ___________
      Association Fees                             ___________
      Property Taxes                               ___________
      Homeowner’s Insurance                        ___________
      Personal Property Insurance
      Utilities
              Gas                                  ___________
              Electric                             ___________
              Water and Sewer                      ___________
              Trash Pickup                         ___________
              Phone
                Home                               ___________
                Cell                               ___________
      Cable TV                                     ___________
      Internet                                     ___________
      Miscellaneous Home Repairs                   ____________

       Monthly Automobile Expenses
             Car Payments                          ____________
             Auto Insurance                        ____________
             Gasoline                              ____________
             Miscellaneous Auto Maintenance
                and Repairs                        ____________

       Other Transportation
              Bus                                  ____________
              Train                                ____________
              Taxi                                 ____________
Monthly Health Costs and Other Insurance
      Health Insurance                     ____________
      Medicine                             ____________
      Estimated Deductibles                ____________
      Life Insurance                       ____________
      Disability Insurance                 ____________
      Other Insurance                      ____________

Other Monthly Expenses
       Clothing                            ____________
       School Supplies                     ____________
       Installment Loans                   ____________
       Credit Cards
               Credit card 1               ____________
               Credit card 2               ____________
               Credit card 3               ____________
       Entertainment                       ____________
       Other Miscellaneous Expenses
               ___________________         ____________
               ___________________         ____________
               ___________________         ____________

Total Estimated Monthly Expenses           ____________

Estimated Income After Expenses            ____________


Expenses Over Income                       ____________

Plans for Balancing Budget
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