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					                                b35f6832-baa8-45c1-be02-93447b5bc8d1.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
           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:




7/5/2011                                                    v1.2                                            Page 7
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                                                           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




7/5/2011                                                        v1.2                                  Page 8
                                                                         b35f6832-baa8-45c1-be02-93447b5bc8d1.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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                                          b35f6832-baa8-45c1-be02-93447b5bc8d1.xls
                                                          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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                             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




7/5/2011                                v1.2                                           Page 12
                                                                b35f6832-baa8-45c1-be02-93447b5bc8d1.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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                        b35f6832-baa8-45c1-be02-93447b5bc8d1.xls
                              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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                                 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




7/5/2011                                v1.2                                     Page 16
                                                                                 b35f6832-baa8-45c1-be02-93447b5bc8d1.xls
                                                                                             Monthly Budget



                                  Month:     September       Year:        2011

                                           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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                                                                         b35f6832-baa8-45c1-be02-93447b5bc8d1.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%




7/5/2011                                                                                   v1.2                                                                                          Page 18
                                       b35f6832-baa8-45c1-be02-93447b5bc8d1.xls
                                                  First Draft Budget

                                Monthly Income
           Monthly Gross Income                           $4,442     Entertainment / Recreation                  $170
           Salary                                $3,750              Eating Out                         $50
           Interest Income                                           Baby-sitters                        $0
           Dividend Income                                           Activities/Trips                    $0
           Other Income                           $692               Vacation                          $100
                         Deductions                                  Pets                                $0
           Tithes and Offerings                   $375               Other                              $20
           Taxes (Fed., State, FICA)              $800               Clothing                                    $200
           401k Plan                              $375               Savings                                       $0
           Net Spendable Income                           $2,892
                                                                     Medical Expenses                              $0
                           Monthly Living Expenses                   Doctor                              $0
           Housing                                        $1,010     Dentist
           Mortgage / Rent                         821               Prescriptions
           Insurance (Owners / Renters)             20               Other
           Property Taxes                            0               Miscellaneous
           Electricity                              40               Toiletries / Cosmetics              $0
           Gas                                       0               Beauty / Barber                     $0
           Water                                     0               Laundry / Cleaning                  $0
           Sanitation                                0               Allowances                          $0
           Telephone                                 0               Subscriptions                       $0
           Cellular Phone                          100               Gifts (incl. Christmas)             $0
           Maintenance                               0               Cash                                $0
           Cable TV / Satellite                     50               Other                               $0
           Other                                     0               Investments                                   $0
           Transportation                                    $956    Food                                          $0
           Car Payment(s)                         $500               School / Child Care                           $0
           Gas & Oil                              $250               Tuition
           Insurance (Auto)                       $200               Materials
           License & Taxes                          $6               Transportation
           Maint. / Repair / Replace                $0               Childe / Day Care
           Bus / Train / Cab                        $0
           Other                                    $0               Total Living Expenses                         $0
           Insurance (Health)                                $120
           Life                                     20                            Income vs. Living Expenses
           Health                                    0               Net Spendable Income                      $2,892
           Dental                                    0               Less Total Living Expenses                    $0
           Other                                     0
           Debts (except house & auto)                       $150        Surplus or (Deficit)                  $2,892
           Credit Cards
           Retail Loans
           Other Debts




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                                b35f6832-baa8-45c1-be02-93447b5bc8d1.xls
                                             Category Page




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




                                           *Page Summary*



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                                  b35f6832-baa8-45c1-be02-93447b5bc8d1.xls
                                             Checking Register




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




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                                           Checking Register




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




                                       *Total*




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                                           Checking Register




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




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                         b35f6832-baa8-45c1-be02-93447b5bc8d1.xls
                                    Checking Register



                          Cleared
           Check #   Checks    Deposits




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                                b35f6832-baa8-45c1-be02-93447b5bc8d1.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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                                b35f6832-baa8-45c1-be02-93447b5bc8d1.xls
                                           Checking Register



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




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                                    b35f6832-baa8-45c1-be02-93447b5bc8d1.xls
                                                   My Charts

       `
                                                 Balance Sheet


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




                                             First Draft Budget

                           $1,200

                           $1,000

                            $800
           Monthly Spend




                            $600

                            $400

                            $200

                              $0




                                         Budget vs. Spend Percentages


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                              b35f6832-baa8-45c1-be02-93447b5bc8d1.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



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                                b35f6832-baa8-45c1-be02-93447b5bc8d1.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


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                                          b35f6832-baa8-45c1-be02-93447b5bc8d1.xls
                                                         My Charts
                                     $1




                      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




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