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                                        Personal/Family Budget Spreadsheets

    Good financial planning begins with understanding your current financial situation, and learning if you need to improve,
or if you are on track for your long-term goals. In order to track your personal expenses, and determine if you have
any problem areas that should be addressed, we offer the following budget spreadsheets. There are two formats:
monthly and year-at-a-glance. The monthly spreadsheet allows you to input either a monthly or yearly amount for each
specific item, and then see your total income, as well as how your income is being spent on a monthly basis, with yearly
totals and percentages. This monthly spreadsheet is available courtesy of the helpful website located at
http://www.free-financial-advice.net.

   The year-at-a-glance spreadsheet is courtesy of the US Chamber of Commerce, and allows you to budget for
expenses that are billed quarterly, and to illustrate the entire year-at-a-glance. Because your income and expenses
may vary over the course of the year, creating a yearly budget allows you to see how those fluctuations affect your
overall budget and plan accordingly.

   Try to track your monthly spending for a given month - write down every expense, no matter how large or small, and
write a short description of the expense. If you are not in a position to do so at the time, (i.e. you can't write and drive!),
keep the receipt if offered one, or make a mental note of the expense and write it down as soon as you can.

   Once you have your list for a month, gather your pay stubs or direct deposit advices, and then gather your
monthly billing statements. Make sure that you have them all - from the small to the large - and fill in the blanks on
the spreadsheets for each item. Totals, percentages, and monthly or annual amounts will calculate for you automatically
on each spreadsheet. The Yellow cells on the Monthly Budget sheet are for input - this spreadsheet is categorized
by "Income", "Necessary Expenses", "Discretionary Expenses" and "Investment Spending". Non-yellow cells
are formulas and do not require input.

    The Yearly Budget spreadsheet calculates monthly "Total Expenses" and "Cash (Short) Extra" amounts, as well as
a "Yearly Total" column. The "Total" cells are formulas and do not require any input. You may change the
"Expense Description" cells if you so wish, to further customize the spreadsheet to match your specific expenses.
The Yearly Budget allows you to view overall spending patterns for a given year. Try to be very honest and realistic
as you prepare these budgets, to ensure that the final products are not underestimated and inaccurate. If you do not
see an Expense Description on either budget spreadsheet that matches one of your expenses, you may edit an existing
description that does not apply to you, and change it to meet your needs. This will not affect the formulas or
final totals in any way.

     Once you have completed one or both spreadsheets, carefully review them and compare how your current budget fits
into your long-term financial goals. Does it contribute to those goals, or prevent you from reaching them? Perhaps you
should define those long-term financial goals, and then closely review your budget with your spouse and family. Look for
areas that seem to be out of proportion to other expenses and devise a plan to bring those items more in line with others,
or better yet, pay them off. Pay close attention to any credit card expenses - given their usually high interest rates, you
should make efforts to pay credit cards off completely if those expenses are high or disproportionate to other expenses
in your monthly budget. Be realistic when you set goals - a simple way to start is to plan to save $50 per month. Setting
a goal that doesn't seem so out of reach will make it easier for you and all involved to reach that financial goal, and then plan
to set even higher goals. Small steps taken now to save money can add up to large amounts of savings later. Don't give
up - if you get discouraged, just keep trying. Your monthly budget should not be set in stone - it will need to fluctuate slightly
to account for life's up and downs, and unexpected expenses. But if you identify areas in which money is being spent with
little or no benefit now, and take steps to stop that unnecessary spending, you will be in a position to more easily meet
those unexpected expenses head on. You can do it - one step at a time, one expense at a time! Good luck!


DISCLAIMER
   Materials in this e-newsletter, and all accompanying attachments and articles, do not constitute professional advice.
These materials have been developed with every attempt to provide accurate information; however, users should consult
with the professional advisors at Kemper CPA Group LLP on specific issues, as errors can occur and applicable laws
and regulations frequently change. Kemper CPA Group LLP assumes no responsibility for loss sustained by any
individual acting or refraining from acting as a result of the material contained within this e-newsletter or any
accompanying or associated articles, websites, or documents.



                                                                         Page 1
Personal Budget Spreadsheet - from Free-Financial-Advice.net                               Monthly Budget


Directions: Fill in only the yellow cells - the rest will be automatically calculated.

Results:                                    Monthly       Yearly        %
 Total Income                                  $2,500.00     $30,000.00                  100%
 Necessary Expenses                              $896.00     $10,752.00                   36%
 Discretionary Income                          $1,604.00     $19,248.00                   64%
 Investment Income                                  $0.00         $0.00                    0%
 Discretionary Income less Investments         $1,604.00     $19,248.00                   64%
 Discretionary Spending                          $656.00      $7,872.00                   26% (Keep this as low as possible)
 Amount Remaining to Save or Invest                $948.00      $11,376.00          37.92% (Try to keep this percentage above 5%, above 20% is outstanding)


                                                Monthly          Annual
                                                Budget           Amount       Comments
Income:
Your Primary Income                              $2,500.00      $30,000.00
Your Spouse's Income                                 $0.00
Child Support or Alimony                                              $0.00
Social Security Income                                                $0.00
Disability Income                                                     $0.00
Pension Income                                                        $0.00
Investment Income                                                     $0.00
Real Estate Investment Income                                         $0.00   (Include expenses from this below)
Business Income                                                       $0.00   (From your own business, include expenses below)
Other Income                                                          $0.00
Total Income                                     $2,500.00      $30,000.00

Necessary Expenses:
Payroll Taxes                                                         $0.00
Other Income Deductions                                               $0.00   (Do not include insurance or investments here)
Rent or Mortgage                                                      $0.00
2nd Mortgage or Home Equity Loan                   $135.00        $1,620.00
Property Taxes                                       $0.00
Water                                               $50.00          $600.00
Garbage Pickup                                      $16.00          $192.00
Gas Company & Electric                             $300.00        $3,600.00
Auto Insurance                                                        $0.00
Auto Repairs                                                          $0.00
Gasoline (for cars, trucks, etc.)                   $40.00          $480.00
Food & Groceries (not dining out)                  $250.00        $3,000.00
Clothing (necessary)                                                  $0.00   (Include uniforms, gloves, shoes, work boots, etc.)
Telephone (not mobile phone)                        $55.00          $660.00
Home or Renters Insurance                            $0.00
Healthcare or Insurance Costs                                         $0.00
Dental Care or Insurance Costs                                        $0.00
Life Insurance Costs                                                  $0.00
Student Loans                                                         $0.00
Home Repairs                                                          $0.00   (Include necessary furniture, maintenance & cleaning supplies)
Home supplies                                                         $0.00
Dry cleaning                                                          $0.00
Laundry                                                               $0.00
Investment Real Estate Expenses                                       $0.00
Dues and Subscriptions                                                $0.00   (Include union dues, professional association dues, required subscriptions)
Childcare (daycare & babysitters)                                     $0.00
Child & Baby Expenses                                                 $0.00   (Diapers, baby food, etc.)
Other Dependent Expenses                            $50.00          $600.00   (Children's school/book fees or college tuition or other necessary expenses)
Total Necessary Expenses                           $896.00      $10,752.00


Discretionary Expenses:
Credit Card Bills                                  $500.00        $6,000.00
Auto Loan (s)                                                         $0.00
Cable or Satellite TV                              $116.00        $1,392.00
Mobile Phone (s)                                                      $0.00
Home Improvement                                                      $0.00
Home Security                                                         $0.00
Garden Supplies                                                       $0.00
Entertainment (not dining out)                                        $0.00   (Movies, video rentals, theater tickets, sports tickets, nights on the town, etc.)
Dining Out                                                            $0.00   (Include lunches at work)
Travel & Vacation                                    $0.00
Pets, Pet Care and Pet Food                         $30.00          $360.00
Clothing (above what's needed)                                        $0.00
Internet Access                                                       $0.00
Computer Costs                                       $0.00                    (Money spent on computers, software and games)
Magazine/Newspaper Subscriptions                     $0.00                    (Magazine subscriptions; include Internet-based subscriptions for magazines, newspapers, etc.)
Gym/Health Club Membership                          $10.00          $120.00
Beer & Alcohol                                                        $0.00
Cigarettes & Tobacco                                                  $0.00
Total Discretionary Expenses                       $656.00        $7,872.00


Investment Spending:
401K, 403B Deposits                                                   $0.00   (Only include fixed monthly or yearly investments here, not your discretionary investing)
IRA Deposits                                         $0.00                    (Only include fixed monthly or yearly investments here, not your discretionary investing)
Employee Stock Plans                                                  $0.00   (Only include fixed monthly or yearly investments here, not your discretionary investing)
Brokerage Deposits                                                    $0.00   (Only include fixed monthly or yearly investments here, not your discretionary investing)
Other                                                                 $0.00   (Only include fixed monthly or yearly investments here, not your discretionary investing)
Total Investment Spending                            $0.00            $0.00




                                                                                              Page 2
FAMILY MONTHLY BUDGET SCHEDULE
(The shaded "Total" cells do not require input - those cells are formulas only)
                                                                                                                                                                                             Yearly
                                      January    February        March            April        May        June        July        August      September   October    November    December    Total

INCOME DESCRIPTION

Wages (take home) - Partner 1               $0            $0             $0               $0         $0          $0          $0      $2,340          $0         $0          $0          $0      $2,340
Wages (take home) - Partner 2               $0            $0             $0               $0         $0          $0          $0          $0          $0         $0          $0          $0          $0
Interest and Dividends                      $0            $0             $0               $0         $0          $0          $0          $0          $0         $0          $0          $0          $0
Miscellaneous                               $0            $0             $0               $0         $0          $0          $0          $0          $0         $0          $0          $0          $0

TOTAL INCOME                                $0            $0             $0               $0         $0          $0          $0      $2,340          $0         $0          $0          $0      $2,340

EXPENSE DESCRIPTION

Auto Expense - Gas                          $0            $0             $0               $0         $0          $0          $0        $40           $0         $0          $0          $0         $40
Auto Insurance                              $0            $0             $0               $0         $0          $0          $0         $0           $0         $0          $0          $0          $0
Auto Payment                                $0            $0             $0               $0         $0          $0          $0         $0           $0         $0          $0          $0          $0
Beauty Shop and/or Barber                   $0            $0             $0               $0         $0          $0          $0         $0           $0         $0          $0          $0          $0
Cable TV                                    $0            $0             $0               $0         $0          $0          $0       $116           $0         $0          $0          $0        $116
Cell/Mobile Phone                           $0            $0             $0               $0         $0          $0          $0         $0           $0         $0          $0          $0          $0
Charity                                     $0            $0             $0               $0         $0          $0          $0         $0           $0         $0          $0          $0          $0
Child Care (Daycare or Babysitters)         $0            $0             $0               $0         $0          $0          $0         $0           $0         $0          $0          $0          $0
Clothing                                    $0            $0             $0               $0         $0          $0          $0         $0           $0         $0          $0          $0          $0
Club Memberships/Dues                       $0            $0             $0               $0         $0          $0          $0        $10           $0         $0          $0          $0         $10
Credit Card Payments                        $0            $0             $0               $0         $0          $0          $0       $550           $0         $0          $0          $0        $550
Internet Access Fee                         $0            $0             $0               $0         $0          $0          $0         $0           $0         $0          $0          $0          $0
Electricity                                 $0            $0             $0               $0         $0          $0          $0       $250           $0         $0          $0          $0        $250
Entertainment and Recreation                $0            $0             $0               $0         $0          $0          $0         $0           $0         $0          $0          $0          $0
Gas Company (if applicable)                 $0            $0             $0               $0         $0          $0          $0        $50           $0         $0          $0          $0         $50
Gifts                                       $0            $0             $0               $0         $0          $0          $0         $0           $0         $0          $0          $0          $0
Groceries and Outside Meals                 $0            $0             $0               $0         $0          $0          $0       $250           $0         $0          $0          $0        $250
Health Insurance                            $0            $0             $0               $0         $0          $0          $0         $0           $0         $0          $0          $0          $0
Home Repairs                                $0            $0             $0               $0         $0          $0          $0         $0           $0         $0          $0          $0          $0
Household                                   $0            $0             $0               $0         $0          $0          $0         $0           $0         $0          $0          $0          $0
Income Tax (Additional Withholding)         $0            $0             $0               $0         $0          $0          $0         $0           $0         $0          $0          $0          $0
Life Insurance                              $0            $0             $0               $0         $0          $0          $0        $32           $0         $0          $0          $0         $32
Medical and Dental                          $0            $0             $0               $0         $0          $0          $0         $0           $0         $0          $0          $0          $0
Miscellaneous - Bank Fees                   $0            $0             $0               $0         $0          $0          $0         $0           $0         $0          $0          $0          $0
Mortgage Payment                            $0            $0             $0               $0         $0          $0          $0         $0           $0         $0          $0          $0          $0
Home Equity Loan Payment                    $0            $0             $0               $0         $0          $0          $0       $135           $0         $0          $0          $0        $135
Other                                       $0            $0             $0               $0         $0          $0          $0         $0           $0         $0          $0          $0          $0
Pet Care (Food, Veterinarian, etc.)         $0            $0             $0               $0         $0          $0          $0        $30           $0         $0          $0          $0         $30
Rent                                        $0            $0             $0               $0         $0          $0          $0         $0           $0         $0          $0          $0          $0
Rental Fees                                 $0            $0             $0               $0         $0          $0          $0        $50           $0         $0          $0          $0         $50
School-Children's Lunch per Month           $0            $0             $0               $0         $0          $0          $0        $75           $0         $0          $0          $0         $75
Student Loans                               $0            $0             $0               $0         $0          $0          $0         $0           $0         $0          $0          $0          $0
Telephone Bill                              $0            $0             $0               $0         $0          $0          $0        $55           $0         $0          $0          $0         $55
Tuition/Book Fees/School Expenses           $0            $0             $0               $0         $0          $0          $0       $120           $0         $0          $0          $0        $120
Vacations                                   $0            $0             $0               $0         $0          $0          $0         $0           $0         $0          $0          $0          $0

TOTAL EXPENSES                              $0            $0             $0               $0         $0          $0          $0      $1,763          $0         $0          $0          $0      $1,763

CASH (SHORT) EXTRA                          $0            $0             $0               $0         $0          $0          $0       $577           $0         $0          $0          $0        $577




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