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					                                   d1bd236d-1b81-4ece-bc03-f2ff6d565e99.xls
                                                  Overview



                                                               Overview

                  God has a plan for our financial well-being and freedom. What we hope you will realize is,
                  that building a God honoring financial plan is not difficult, but it does take discipline. For
             1
                  some of you we hope that this process will free you from the bondage of debt that hampers
                  many in our society today.

                  For others, who have been worldly faithful in managing their money, you will enjoy knowing
                  the freedom that comes when you develop a God honoring financial plan. For those of you
             2
                  who have learned the secret of contentment in an honoring plan please share the "good
                  news".

                  This study is based on a building block theory. Miss anyone step and the stack will not
             3    stand. Please give yourself grace. Be patient. Proverbs 21:5 says; "The plans of the
                  diligent lead surely to abundance, but everyone who is hasty comes only to poverty."

             4    Thank you for being willing to honor the Lord with your finances.

                  The purpose of the Home Financial Workbook is to apply the material learned from the
                  Harvest Bible Chapel Small Group Curriculum. The objective of providing these
             5
                  worksheets is to give you the forms and methodologies for tracking and reporting the major
                  aspects of your personal finances.

                  DISCLAIMER: The information contained in these worksheets are provided as is and
             6    without any warranties expressed or implied. Harvest Bible Chapel is not responsible for
                  any loss or damages that may result from using this material.

                  Each tab in the Home Financial Workbook is formatted to enable you to print out each tab,
             7    three hole punch the pages and put them into a 3-ring binder. There are a few of ways you
                  can produce these worksheets on an ongoing basis.

             8    The first is to simply copy the forms that were included in the Small Group Curriculum.

             9
                  The second is to use a computer to print the forms from the Adobe Portable Document
                  Format (.pdf) files on the CD-ROM.

             10
                  The third way is to use a recent version of Microsoft Excel on a PC or Macintosh to read the
                  spreadsheet file and print each tab.




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                                                  Overview


                  Generally, the information (contained in cells) that require input (descriptions and/or
             11
                  numbers) are shaded green.

                  Praying over each section of the Home Financial Workbook is essential. Ask God for
                  wisdom and insight for the task at hand. Pray that God would give you clear direction as to
             12   the areas where you need to change. God is faithful and able to do all that we ask as long
                  as it is His will. Remember we are simply stewards of His money and honoring God with
                  our finances is an imparitive.

                                                         Quit Claim Deed

             13
                  By competing the Quit Claim Deed, we establish a time when we acknoledge God's
                  owership.


             14   Take time to go before the Lord and turn over all of your posessions to Him. Acknowledge
                  that He owns everything and that you are the steward(s) of everything he has provided you.


                                                          Balance Sheet

             15
                  The object of the balance sheet is to identify (calculate) the difference between your assets
                  and your liabilities in order to derive your net worth.

             16
                  Your information (numbers) are entered into each cell shaded green. The totals are
                  automatically calculated when any cell in this tab is updated.


                                                         Financial Goals

                  "If you always aim at nothing you will always hit it", is a saying that points out the critical
             17   need to plan. Planning or establishing goals for your family is critical to the family's long and
                  short-term financial stability. Goals should become part of the family prayer list.

                  There are seven areas in the financial goals worksheet: Giving, Debt Repayment,
             18   Educational, Starting a Business, Lifestyle, Savings and Investment and lastly Goals for this
                  Year.

             19
                  The Financial Goals worksheet provides a mechanism for you to document your goals for
                  changing your financial plan.




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                                                   Overview


                                                                  Debt List

             20
                  We all must be aware of how much, to whom and what we owe if we are going to be able to
                  manage our financial life and plan for our future.

             21
                  If your debt is not paid on a monthly basis then figure your total bill for the year and divide
                  that amount into 12 equal payments for your budget.

                                                     Debt Repayment Schedule

                  The Debt Repayment worksheet enables you to itemize all of your 'unsecured' (credit cards)
             22   and retail loans. The worksheet identifies all of the pertinent details for each debt that is to
                  be paid on each month.

                  Having a debt repayment schedule will allow you the opportunity to see your debts being
             23   reduced on a regular basis as well as give you control over what is being paid and when.
                  This will be an encouragement to you as the debt is reduced.

             24   Be sure to carefully fill in all of the appropriate fields.

                                                            Savings Model

             25
                  The Savings Model worksheet is used to calculate the value of savings with compounded
                  interest.

                  The top two tables have column headings identifying the periodic interest rate. These
             26   tables compute the balance (principal and interest) relative to the 12 rows identifying the
                  term in years.

             27
                  The top left table requires an initial lump sum investment that is compounded monthly. The
                  top right table requires that a monthly payment be entered.

                  The bottom table is used to identify the amount needed to save each month in order to
             28   realize a future value of the savings. It requires four pieces of information needed and are
                  shaded green.

                  The first is the savings goal that you want to have amassed at some time in the future. The
                  second is an initial lump sum savings investment. The third is the expected rate of return
             29
                  expressed in decimal notation. And fourth is how many years in the future you want to
                  realize the goal.

                                                    Variable Income & Expenses

                  The Variable Income & Expense worksheet allows you to list out those transactions that do
             30
                  not occur on a regular basis or schedule.

                  There are 2 sections to the Variable Income & Expenses worksheet. Be careful to enter
             31
                  income in the top section and expenses in the bottom section.


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                                                 Overview


                  In the Income section, type in a description of the source for periodic income along with the
                  amount and the frequency in which you receive the income. Using the Variable Income
             32
                  section will help you to properly allocate the money you receive, per pay period, into the
                  budget categories that have been set up.

                  In the Expense section, type in description or name of the payee along with the amount and
             33
                  the frequency in which you make payments.




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                                                  Overview


                                                     Transacation Journal

                  To correctly build a budget you must first know when your money comes in and where it
             34   goes. (You may by-pass this step and go directly to the First Draft Budget if you are already
                  budgeting and aware of your spending categories).

                  Keep a daily journal of all income and spending. Make note of the date, the amount and
             35   what the money was spent on or where the income came from. Record your income and
                  expenses.

                  Make note if the money spent was in the form of cash, check or credit card. We
             36   recommend that you keep track of your spending for at least 30 to 90 days in order to get
                  an accurate picture of your spending habits.

                                                        Monthly Budget

             37
                  In order to correctly build a budget you must first know where you are spending your
                  money.

                  Take the numbers of your income and spending from your Daily Journal and plug them into
             38
                  the appropriate budget category.

             39   The First Draft Budget is a picture at a glance of your financial spending.


                                                      Budget Percentages

             40
                  The Budget Percentages tab has 3 sections. The top section shows a comparison of the
                  percentages for your monthly budget versus the actual mothly spends.

                  The left section titled 'Budget Model' allows you to do what if analysis by providing your
                  income and then entering percentages for each spending category. The third section titled
             41   'Percentage Guide' represents "ideal" percentages for spending relative to the gross
                  income. NOTE: These figures are an example and may vary significantly to your actual
                  circumstances.

                                                       First Draft Budget

             42
                  Once you have determined your spending per month (Monthly Budget) it is time to build a
                  First Draft Budget.

                  In many cases you will have to make some very hard life style decisions. You will need to
             43   decide what stays in your budget and what must be trimmed in order to have a balanced or
                  positive budget at the end of the month.




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                                                 Overview


                                                        Category Page

             44
                  The category page will help you clearly see how much money is available to pay each
                  budget item as it becomes due.

             45
                  Every pay period make an entry into each category showing how much money is being
                  dedicated toward that budget item.

                  Envelopes are another alternative to category spreadsheets and work in the same way.
                  Once a month or on each pay period, place the budgeted cash into labeled envelopes and
                  keep them in a safe but convenient place. You spend from the envelopes during the period
             46
                  and when the cash is gone you spend no more in that category. Here some suggested
                  expense categories: allowances, entertainment, gifts, clothing, gasoline and oil changes,
                  groceries and miscellaneous.

                                                      Checking Register

             47
                  It is critical that your checkbook agree with your bank and that is what and why you need to
                  reconcile your bank statement.

             48
                  The purpose of the Check Register worksheet is to provide a means of recording the
                  checks you write each month.

                  The last page of the Check Register has an area set aside for you to balance your checking
             49
                  account.

                  When you receive your bank statement you will need to reconcile it with your check register.
                  Each check that has cleared he bank will appear on the bank statement. Put a 'C' in the
             50   CLR column of each check register entry that has cleared the bank. As you mark the
                  checks and deposits that appear on your bank statement, the amount of that cleared entry
                  will be added to the respective Cleared column.

                                                              My Charts

                  The individual charts in the second tab of the Home Financial Workbook are used to
             51   represent the information you enter in the form of a graph. There is a graph representing
                  the information in several tabs in the workbook.




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             This Quit Claim Deed, Made the                                                          Day of
             From:
             To:     The Lord
             I (We) hereby transfer to the Lord the ownership of the following possessions:




                Witnesses who hold me (us) accountable                   Stewards of the Possessions above:
                in the recognition of the Lord's ownership:




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                                                 d1bd236d-1b81-4ece-bc03-f2ff6d565e99.xls
                                                             Balance Sheet




             L
             i
             n
             e                        Present Market Value                                  Assets   Percentages
             1    Cash on Hand / All Checking Accounts
             2    All Savings Accounts
             3    All Investment Instruments (Stocks, Bonds, etc.)
             4    Government Savings Bonds
             5    Certificates of Deposit
             6    Cash Value of All Life Insurance Policies
             7    Value of All Collectables (e.g.: Coins, etc.)
             8    My Home / Primary Residense / Real Estate
             9    Investment Properties / Mortgages / Other Real Estate
             10   Individual Retirement Accounts
             11   Employer Sponsored Pension / 401(k) Plans
             12   Value of all Automobiles
             13   Furniture
             14   Jewelry
             15   Other Personal Property
             16   Other Assets
             17   Business Valuation
             18                                                                        Sub-Total


                                     Current Amount Owed                               Liabilities
             19   Credit Card Debt
             20   Automobile Loans
             21   Home Mortgages
             22   Personal Debt to Relatives
             23   Business Loans
             24   Educational Loans
             25   Medical / Other Past Due Bills
             26   Life Insurance Loans
             27   Retail / Bank Loans
             28   Margin Loans from Brokers
             29   Other Debts and/or Loans
             30                                                                        Sub-Total


             31               Difference (Assets minus Liabilities)                    Net Worth




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                                                                         d1bd236d-1b81-4ece-bc03-f2ff6d565e99.xls
                                                                                    Financial Goals



                                                                               Date: September 1, 2003

       GIVING GOALS                                                                                 LIFESTYLE GOALS
       Would like to give              percent of my income.                                        Would like to make the following major purchases: (home, automobile, travel, etc.)

      Other giving goals:                                                                                                      Item                                     Amount




      DEBT REPAYMENT GOALS
      Would like to pay off the following debts first:

                                Creditor                                  Amount
                                                                                                       Would like to achieve the following annual income:




                                                                                                    SAVINGS AND INVESTMENT GOALS
                                                                                                          Would like to save    percent of my income.

      EDUCATIONAL GOALS                                                                                 Other savings goals:
      Would like to fund the following education:
                                                                                                    Would like to invest in the following instruments:                  Amount
             Person                    School              Annual Cost   Total Cost




                                                                                                      Would like to provide my/our heirs with the following:
         Other educational goals


                                                                                                    GOALS FOR THIS YEAR
                                                                                                    I believe the Lord wants me/us to achieve the following goals this year:
       STARTING A BUSINESS
      Would like to invest in or begin my/our own business:                                          Priority            Financial Goal                  Our Part              God's Part
                                                                                                        1
                                                                                                        2
                                                                                                        3
                                                                                                        4
                                                                                                        5




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                                                           Debt List




     L
     i                                                     Balance Monthly             Number of    Scheduled     Interest   Payments
     n            Creditor         Reason for Purchase
     e                                                      Due    Payment             Payments    Pay-off Date     Rate     Past Due
     1

     2

     3

     4

     5

     6

     7

     8

     9

    10

    11

    12

    13

    14

    15

    16


             Worksheet Sub-Total




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                     d1bd236d-1b81-4ece-bc03-f2ff6d565e99.xls
                           Debt Repayment Schedule




      L
      i                                               Payment   Payments    Balance
      n
      e   Due Date    Creditor                        Amount    Remaining    Due

      1

      2

      3

      4

      5

      6

      7

      8

      9

     10

     11

     12

     13

     14

     15

     16

     17

     18

     19

     20

     21

     22

     23

     24

     25

     26

     27

     28

     29

     30

     31

     32

     33

     34

     35

     36

     37

     38




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                           Debt Repayment Schedule




      L
      i                                               Payment   Payments    Balance
      n
      e   Due Date    Creditor                        Amount    Remaining    Due

     39

     40

     41

     42

     43

     44

     45

     46

     47

     48

     49

     50




11/14/2010                             v1.2                                           Page 12
                                                                   d1bd236d-1b81-4ece-bc03-f2ff6d565e99.xls
                                                                               Savings Model




                          Starting Principal:                                                                             Monthly Savings




   Your                          Periodic Interest Rate                           Term          Total                            Periodic Interest Rate
   Age          4%          6%           8%          10%            12%          (Years)      Principal        4%          6%             8%          10%   12%
    20                                                                              1
    25                                                                              2
    30                                                                              3
    35                                                                              4
    40                                                                              5
    45                                                                             10
    50                                                                             15
    55                                                                             20
    60                                                                             25
    65                                                                             30
    70                                                                             35
    75                                                                             40




             How much money total do you want to save? (eg: 150,000, 200,000, etc.)                            (Savings Goal)

             How much do you currently have saved? (eg: 500, 1000, 2000, etc.)                                (Current Balance)

             What is the average rate of return your money can earn? (eg: .0525, .08, etc.)                    (Interest Rate)

             When (years in the future) do you want to reach your savings goal? (eg: 10, 20, etc.)            (Years From Now)

             The amount of money you need to save each month to reach your goal. (calculated)                 (Monthly Savings)




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                               Variable Income & Expenses



                                       Variable Income
             L                                                                   Estimated
             i                                        Periodic
                       Source of Income                              Frequency    Monthly
             n                                        Income
             e                                                                    Income
             1

             2

             3

             4

             5

             6

             7

             8

             9

             10

                   Variable Income Sub-Total




                                      Variable Expenses
             L                                                                   Estimated
             i                                        Periodic
                           Creditor                            Frequency          Monthly
             n                                        Payment
             e                                                                    Reserve
             1

             2

             3

             4

             5

             6

             7

             8

             9

             10

                  Variable Expenses Sub-Total




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                              Transaction Journal




       L
       i
       n
       e     Date          Description                         Amount   Type
        1

        2

        3

        4

        5

        6

        7

        8

        9

       10

       11

       12

       13

       14

       15

       16

       17

       18

       19

       20

       21

       22

       23

       24

       25

       26

       27

       28

       29

       30

       31

       32

       33

       34



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                    d1bd236d-1b81-4ece-bc03-f2ff6d565e99.xls
                              Transaction Journal




       L
       i
       n
       e     Date          Description                         Amount   Type
       35

       36

       37

       38

       39

       40

       41

       42

       43

       44

       45

       46

       47

       48

       49

       50




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                                                                                    d1bd236d-1b81-4ece-bc03-f2ff6d565e99.xls
                                                                                               Monthly Budget



                                    Month:     September       Year:        2010

                                             Tithe /                                       Trans-                          Ent. /                                                      School or   Expense
                  Category          Income   Giving    Taxes   401k    Housing     Food   portation   Insurance   Debts    Rec.     Clothing   Savings Medical   Misc.   Investments   Day Care    Summary
             Budgeted Amount
                    Date
                      1
                      2
                      3
                      4
                      5
                      6
                      7
                      8
                      9
                     10
                     11
                     12
                     13
                     14
                     15
             Mid-Month Spend
                     16
                     17
                     18
                     19
                     20
                     21
                     22
                     23
                     24
                     25
                     26
                     27
                     28
                     29
                     30
                     31
                Total Spend
             Surplus or (Deficit)
                 This Month

             Year to Date Budget

             Year to Date Spend
             Year to Date Surplus
                  or (Deficit)




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                                                                         d1bd236d-1b81-4ece-bc03-f2ff6d565e99.xls
                                                                                   Budget Percentages




                                                                                                                                                                                        School
                                                                                   Trans-                                   Ent. /                                            Invest-   or Day
     Category         Income    Tithe / Giving Taxes     401K      Housing   Food portation       Insurance         Debts   Rec.     Clothing   Savings    Medical    Misc.    ments     Care
Budgeted
Actual Spend




                          Model Budget                     Actual Spend                                               Percentage Guide
Category             Percentage    Amount              Percentage   Amount
Yearly Gross                                                                            $35,000       $45,000 $55,000 $65,000         $85,000   $105,000   $125,000
Monthly Gross                                                                            $2,917        $3,750 $4,583 $5,417            $7,083     $8,750    $10,417
Tithe / Giving                                                                             $292          $375    $458    $542            $708       $963     $1,146
Taxes                                                                                      $554          $675    $917 $1,083           $1,558     $2,100     $2,604
401K                                                                                       $292          $375    $458    $542            $708       $875     $1,042
Net Income                                                                               $1,779        $2,325 $2,750 $3,250            $4,108     $4,813     $5,625
Housing                                                                                     36%           33%         32%      31%       30%        29%        29%
Food                                                                                        12%           12%         11%      11%       10%        10%        10%
Transportation                                                                              12%           13%         13%      13%       13%        12%        11%
Insurance                                                                                    4%            4%          5%       5%        5%         5%         4%
Debts                                                                                        5%            5%          5%       5%        5%         5%         3%
Ent. / Rec.                                                                                  6%            6%          6%       6%        7%         7%         8%
Clothing                                                                                     5%            5%          6%       6%        6%         6%         8%
Savings                                                                                      5%            5%          5%       6%        7%         8%         8%
Medical                                                                                      4%            4%          4%       4%        4%         4%         4%
Misc.                                                                                        2%            3%          3%       3%        3%         3%         3%
Investments                                                                                  3%            5%          5%       5%        6%         7%         8%
School or Day Care                                                                           6%            5%          5%       5%        4%         4%         4%
Budgeted Spend                                                                            100%           100%        100%    100%        100%      100%       100%




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                                         d1bd236d-1b81-4ece-bc03-f2ff6d565e99.xls
                                                    First Draft Budget

                                  Monthly Income
             Monthly Gross Income                                 $0    Entertainment / Recreation                  $0
             Salary                                                     Eating Out
             Interest Income                                            Baby-sitters
             Dividend Income                                            Activities/Trips
             Other Income                                               Vacation
                           Deductions                                   Pets
             Tithes and Offerings                                       Other
             Taxes (Fed., State, FICA)                                  Clothing                                    $0
             401k Plan                                                  Savings                                     $0
             Net Spendable Income                                 $0
                                                                        Medical Expenses                            $0
                             Monthly Living Expenses                    Doctor
             Housing                                              $0    Dentist
             Mortgage / Rent                                            Prescriptions
             Insurance (Owners / Renters)                               Other
             Property Taxes                                             Miscellaneous                               $0
             Electricity                                                Toiletries / Cosmetics
             Gas                                                        Beauty / Barber
             Water                                                      Laundry / Cleaning
             Sanitation                                                 Allowances
             Telephone                                                  Subscriptions
             Cellular Phone                                             Gifts (incl. Christmas)
             Maintenance                                                Cash
             Cable TV / Satellite                                       Other
             Other                                                      Investments
             Transportation                                       $0    Food
             Car Payment(s)                                             School / Child Care                         $0
             Gas & Oil                                                  Tuition
             Insurance (Auto)                                           Materials
             License & Taxes                                            Transportation
             Maint. / Repair / Replace                                  Childe / Day Care
             Bus / Train / Cab
             Other                                                      Total Living Expenses                       $0
             Insurance (Health)                                   $0
             Life                                                                   Income vs. Living Expenses
             Health                                                     Net Spendable Income                        $0
             Dental                                                     Less Total Living Expenses                  $0
             Other
             Debts (except house & auto)                          $0        Surplus or (Deficit)                   $0
             Credit Cards
             Retail Loans
             Other Debts




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                                  d1bd236d-1b81-4ece-bc03-f2ff6d565e99.xls
                                              Category Page




              Spending Category
             Date       Check #          Description of Transaction          Deposits   Withdrawals   Balance
                          -                *Beginning Balance*                                          $0.00




                                             *Page Summary*



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                                     d1bd236d-1b81-4ece-bc03-f2ff6d565e99.xls
                                               Checking Register




  Date       Check #     Checks Issued to or Deposit Received from              Payment Clr   Deposit   Balance
                -      *Beginning Balance*




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                                  d1bd236d-1b81-4ece-bc03-f2ff6d565e99.xls
                                            Checking Register




  Date       Check #   Checks Issued to or Deposit Received from             Payment Clr   Deposit   Balance




                                        *Total*




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                                  d1bd236d-1b81-4ece-bc03-f2ff6d565e99.xls
                                            Checking Register




  Date       Check #   Checks Issued to or Deposit Received from             Payment Clr   Deposit   Balance




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                           d1bd236d-1b81-4ece-bc03-f2ff6d565e99.xls
                                     Checking Register



                            Cleared
             Check #   Checks    Deposits




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                                  d1bd236d-1b81-4ece-bc03-f2ff6d565e99.xls
                                            Checking Register



                                 Cleared
               Check #      Checks    Deposits




                                In Your Check Register

             ENTER       Balance from Checkbook                              $0.00

             ADD         Interest Earned or other credit shown

             Sub-Total

             SUBTRACT Service Charges or other debits shown


             BALANCE     This Balance should agree with your
                                                                                     These two balances should




                                In Your Check Register

             ENTER       Ending Balance from Statement                       $0.00

             ADD         Deposits NOT shown on bank

             Sub-Total

             SUBTRACT Checks Outstanding (recorded in



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                                  d1bd236d-1b81-4ece-bc03-f2ff6d565e99.xls
                                            Checking Register



                                   Cleared
               Check #       Checks     Deposits
             BALANCE     This Balance should agree with your




11/14/2010                                         v1.2                      Page 26
                                   d1bd236d-1b81-4ece-bc03-f2ff6d565e99.xls
                                                 My Charts

       `
                                                Balance Sheet


                                  $1
                                  $1
                                  $1
                                  $1
                                  $1
                                  $1
                                  $0
                                  $0
                                  $0          Assets        Liabilities
                                  $0                                      Net Worth
                                  $0




                                            First Draft Budget
                             $1
                             $1
                             $1
                             $1
             Monthly Spend




                             $1
                             $1
                             $0
                             $0
                             $0
                             $0
                             $0




                                        Budget vs. Spend Percentages


11/14/2010                                           v1.2                             Page 27
                                d1bd236d-1b81-4ece-bc03-f2ff6d565e99.xls
                                              My Charts
                                     Budget vs. Spend Percentages


                       100.0%                                              Budgeted

                       90.0%                                               Actual Spend

                       80.0%
                       70.0%
                       60.0%

                       50.0%
                       40.0%
                       30.0%

                       20.0%
                       10.0%
                        0.0%




                                               My Debt Schedule


             $1



             $1



             $1



             $1



             $0



             $0



             $0




                                           Budget vs. Spend
                  $1                                                                      $1

                                                                                          $1

11/14/2010                                        v1.2                                    Page 28
                                  d1bd236d-1b81-4ece-bc03-f2ff6d565e99.xls
                                                My Charts

                                                                                                  $1
                   $1
                                                                                                  $1
                                                                                     Budget
                                                                                                  $1
                   $1                                                                Spend
                                                                                                  $1

                   $1                                                                             $1

                                                                                                  $0
                   $0
                                                                                                  $0

                                                                                                  $0
                   $0
                                                                                                  $0

                   $0                                                                             $0




                                                 Daily Spend
             $1
             $1
             $1
             $1
             $1
             $1
             $0
             $0
             $0
             $0
             $0
                  1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31
                                                  Day of the Month



                             $1
                                                Return on Savings
                             $1

                             $1



11/14/2010                                          v1.2                                          Page 29
                                            d1bd236d-1b81-4ece-bc03-f2ff6d565e99.xls
                                                          My Charts




                        Total Return
                                       $1

                                       $1

                                       $1
             1 Year
             2 Years                   $0
             3 Years
             4 Years                   $0
             5 Years
                                       $0
             10 Years
             15 Years                  $0
             20 Years
                                       $0
             25 Years
             30 Years                           4%
                                                         6%
                                                                       8%
             35 Years                                  Interest Rate        10%
                                                                                       12%
             40 Years




11/14/2010                                                    v1.2                           Page 30

				
DOCUMENT INFO
Description: Check Register Worksheet document sample