Blank Finance Budgets and Net Worth[1]

Total Projected Cost Total Actual Cost Total Difference $0 $0 $0 Housing Mortgage $0 Phone $0 Energy $0 $0 Water, sewer & trash $0 Cable $0 $0 Maintenance or repairs $0 Supplies $0 Other $0 Subtotals $0 $0 $0 Transportation Vehicle payment $0 Insurance $0 Licensing $0 Fuel $0 Maintenance $0 Other $0 Subtotals $0 $0 $0 Insurance Home $0 Health -Major Medical $0 Life $0 Other $0 Subtotals $0 $0 $0 Food Groceries $0 Dining out $0 Other $0 Subtotals $0 $0 $0 Entertainment TiVo Movies Sporting events Other Monthly Budget Projected Cost Actual Cost DifferenceSubtotals $0 $0 $0 Personal Care Medical $0 Hair/nails $0 Clothing $0 Dry cleaning $0 Other $0 Subtotals $0 $0 $0Income 1 Income 2 Total monthly income $0 Income 1 Income 2 Total monthly income $0 Projected balance (Projected income minus expenses) $0 Actual balance (Actual income minus expenses) $0 Difference (Actual minus projected) $0 Projected Cost Actual Cost Difference Loans Car Loan $0 Personal Loan $0 Credit Card # 1 $0 Credit Card # 2 $0 $0 Other $0 Subtotals $0 $0 $0 Taxes Federal $0 $0 State $0 $0 Local $0 $0 Other $0 $0 Subtotals $0 $0 $0 Savings or Investments Bank $0 $0 Investment account $0 $0 Other $0 $0 Subtotals $0 $0 $0 Gifts and Donations Charity 1 $0 $0 Charity 2 $0 $0 Charity 3 $0 $0 Projected Monthly Income Actual Monthly IncomeSubtotals $0 $0 $0Paychecks Apartment Food Income $0.00 Interest Con Ed Entertainment Fixed Exp. $0.00 RCN Variable Exp. $0.00 Credit Card Total Exp. $0.00 $0.00 Totals Disposable Income Monthly Budget Income Fixed Expenses Variable ExpensesAge: 27 Net Worth Calculator Income: 85,000 $ Net Worth: 4,585 $ 1/6/2008 Personal Items Estimated Value Loan Balances Estimated Value Income Home -$ Mortgage loan -$ His 1 Vehicles 5,000 Home equity loan -Hers 1 Jewelry 1,000 Car loans -His 2 Artwork -Real estate loans -Hers 2 Furniture 1,000 Student loans 5,000 Total Electronics 1,000 Personal loans 665 Antiques -Other Outstanding Debt Annualized Other -Credit card debt -$ Cash or Cash Equivalent Other debt -Checking account 1,250 $ Savings account 1,000 Certificates of deposit -Money market account (ING) -Life insurance (cash value) -Other -Investments Roth IRA (His) -$ Roth IRA (Hers) -Mutual funds -Individual stock shares -Real estate other than home -Other -Assets Total 10,250 $ Liabilities Total 5,665 $ Net Worth: 4,585 $ Debt-to-Assets Ratio 55.3% Debt-to-Net Income 19.7% Assets LiabilitiesMillionaire Next Door estimate: 229,500 $ Debt-to-Gross Income 15.7% PAW (or Balance Sheet Affluent) Level: 459,000 $ Net Gross 1,200 1,500 1,200 1,500 2,400 3,000 28,800 36,000 Mortgage Calculator $200,000.00 6.375% 30 January 2006 $0.00 Year Month Monthly Prepay Beginning Balance Payment Principal Interest Cumulative Principal Cumulative Interest 2006 Jan $200,000.00 $1,247.74 $185.24 $1,062.50 $185.24 $1,062.50 2006 Feb 199,814.76 1,247.74 186.22 $1,061.52 371.46 2,124.02 2006 Mar 199,628.54 1,247.74 187.21 $1,060.53 558.68 3,184.54 2006 Apr 199,441.32 1,247.74 188.21 $1,059.53 746.88 4,244.07 2006 May 199,253.12 1,247.74 189.21 $1,058.53 936.09 5,302.61 2006 Jun 199,063.91 1,247.74 190.21 $1,057.53 1,126.31 6,360.13 2006 Jul 198,873.69 1,247.74 191.22 $1,056.52 1,317.53 7,416.65 2006 Aug 198,682.47 1,247.74 192.24 $1,055.50 1,509.77 8,472.15 2006 Sep 198,490.23 1,247.74 193.26 $1,054.48 1,703.03 9,526.63 2006 Oct 198,296.97 1,247.74 194.29 $1,053.45 1,897.32 10,580.08 2006 Nov 198,102.68 1,247.74 195.32 $1,052.42 2,092.63 11,632.50 2006 Dec 197,907.37 1,247.74 196.36 $1,051.38 2,288.99 12,683.89 2007 Jan 197,711.01 1,247.74 197.40 $1,050.34 2,486.39 13,734.23 2007 Feb 197,513.61 1,247.74 198.45 $1,049.29 2,684.84 14,783.52 2007 Mar 197,315.16 1,247.74 199.50 $1,048.24 2,884.34 15,831.75 2007 Apr 197,115.66 1,247.74 200.56 $1,047.18 3,084.91 16,878.93 2007 May 196,915.09 1,247.74 201.63 $1,046.11 3,286.53 17,925.04 2007 Jun 196,713.47 1,247.74 202.70 $1,045.04 3,489.23 18,970.08 2007 Jul 196,510.77 1,247.74 203.78 $1,043.96 3,693.01 20,014.05 2007 Aug 196,306.99 1,247.74 204.86 $1,042.88 3,897.87 21,056.93 2007 Sep 196,102.13 1,247.74 205.95 $1,041.79 4,103.82 22,098.72 2007 Oct 195,896.18 1,247.74 207.04 $1,040.70 4,310.86 23,139.42 2007 Nov 195,689.14 1,247.74 208.14 $1,039.60 4,519.00 24,179.02 2007 Dec 195,481.00 1,247.74 209.25 $1,038.49 4,728.25 25,217.51 2008 Jan 195,271.75 1,247.74 210.36 $1,037.38 4,938.60 26,254.89 2008 Feb 195,061.40 1,247.74 211.48 $1,036.26 5,150.08 27,291.15 2008 Mar 194,849.92 1,247.74 212.60 $1,035.14 5,362.68 28,326.29 2008 Apr 194,637.32 1,247.74 213.73 $1,034.01 5,576.41 29,360.31 2008 May 194,423.59 1,247.74 214.86 $1,032.88 5,791.27 30,393.18 2008 Jun 194,208.73 1,247.74 216.01 $1,031.73 6,007.28 31,424.91 2008 Jul 193,992.72 1,247.74 217.15 $1,030.59 6,224.43 32,455.50 2008 Aug 193,775.57 1,247.74 218.31 $1,029.43 6,442.74 33,484.93 2008 Sep 193,557.26 1,247.74 219.47 $1,028.27 6,662.21 34,513.21 2008 Oct 193,337.79 1,247.74 220.63 $1,027.11 6,882.84 35,540.31 2008 Nov 193,117.16 1,247.74 221.80 $1,025.93 7,104.64 36,566.25 2008 Dec 192,895.36 1,247.74 222.98 $1,024.76 7,327.63 37,591.00 2009 Jan 192,672.37 1,247.74 224.17 $1,023.57 7,551.80 38,614.58 2009 Feb 192,448.20 1,247.74 225.36 $1,022.38 7,777.15 39,636.96 2009 Mar 192,222.85 1,247.74 226.56 $1,021.18 8,003.71 40,658.14 2009 Apr 191,996.29 1,247.74 227.76 $1,019.98 8,231.47 41,678.12 2009 May 191,768.53 1,247.74 228.97 $1,018.77 8,460.44 42,696.89 2009 Jun 191,539.56 1,247.74 230.19 $1,017.55 8,690.63 43,714.45 2009 Jul 191,309.37 1,247.74 231.41 $1,016.33 8,922.03 44,730.78 2009 Aug 191,077.97 1,247.74 232.64 $1,015.10 9,154.67 45,745.88 2009 Sep 190,845.33 1,247.74 233.87 $1,013.87 9,388.55 46,759.74 Amortization Schedule Key Figures Inputs Original month of loan Annual loan payments Monthly payments Interest in first calendar year Interest over term of loan Sum of all payments Years to payoff Monthly Prepay for life of Mortgage Loan principal amount Annual interest rate Loan period in years Original year of loan$1,247.74 $14,972.88 $12,683.89 $249,186.33 $449,186.33 30.0 Ending Balance $199,814.76 199,628.54 199,441.32 199,253.12 199,063.91 198,873.69 198,682.47 198,490.23 198,296.97 198,102.68 197,907.37 197,711.01 197,513.61 197,315.16 197,115.66 196,915.09 196,713.47 196,510.77 196,306.99 196,102.13 195,896.18 195,689.14 195,481.00 195,271.75 195,061.40 194,849.92 194,637.32 194,423.59 194,208.73 193,992.72 193,775.57 193,557.26 193,337.79 193,117.16 192,895.36 192,672.37 192,448.20 192,222.85 191,996.29 191,768.53 191,539.56 191,309.37 191,077.97 190,845.33 190,611.45INVESTMENT PERFORMANCE [DATE] Investment Name Account Name or Number Symbol Quantity Purchase Price Per Share Trade Fees Total Cost (Purchase Price + Fees) Current Quote Market Value Gain/Loss ($) Gain/Loss (%) A Datum Corporation Woodgrove Bank ZZZZ 100 $49.00 $29.00 $4,929.00 $56.99 $5,699.00 $770.00 15.6% 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A Value of accounts $5,699.00 Total cost of accounts $4,929.00 Difference $ $770.00 Difference % 15.6%INVESTMENT PERFORMANCE [DATE] Investment Name Account Name or Number Symbol Quantity Purchase Price Per Share Trade Fees Total Cost (Purchase Price + Fees) Current Quote Market Value Gain/Loss ($) Gain/Loss (%) Value of accounts $5,699.00 Total cost of accounts $4,929.00 Difference $ $770.00 Difference % 15.6% 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/A 0.00 0.00 0.00 N/AAs of 1/6/2008 Monthly Payment Chart (Sept-Dec 2004) Due Auto Date Account Pmt Payment J F M A M J J A S O N D 1 Mortgage N 100.00 $ x -$ x 6 Car Ins. Y 50.00 $ x 15 TiVo Y 100.00 $ x 20 Student loan Y 250.00 $ 100.00 $ x -$ 20 Visa N -$ 22 Credit Card N -$ 25 Cable N -$ 28 Gas/Electric N -$ 29 Water/Trash N -$ 30 Phone Y -$ Total 600.00 $ Paid 350.00 $ Remaining 250.00 $ As of 1/6/2008 Monthly Payment Chart (Sept-Dec 2004) Jan Feb Mar April May June July Aug Sept Oct 100 -50 100 100 Total 350 ---------As of 1/6/2008 Monthly Payment Chart (Sept-Dec 2004) Nov Dec --