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                                                  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.

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




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                                   a0523f6c-b92f-4f92-98ee-f2cba9537e2e.xls
                                                   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
            22   cards) 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
            29
                 return 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
            33
                 and the frequency in which you make payments.




7/13/2011                                             v1.2                                              Page 4
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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.




7/13/2011                                              v1.2                                             Page 5
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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
            49
                 checking 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
            50   'C' in the 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.




7/13/2011                                             v1.2                                             Page 6
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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:




7/13/2011                                                     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




7/13/2011                                                        v1.2                                   Page 8
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                                                                                     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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                              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




7/13/2011                               v1.2                                            Page 11
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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




7/13/2011                               v1.2                                            Page 12
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                                                                              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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                         a0523f6c-b92f-4f92-98ee-f2cba9537e2e.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




7/13/2011                                 v1.2                                              Page 14
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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




7/13/2011                           v1.2                                      Page 16
                                                                                   a0523f6c-b92f-4f92-98ee-f2cba9537e2e.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)




7/13/2011                                                                                             v1.2                                                                                           Page 17
                                                                          a0523f6c-b92f-4f92-98ee-f2cba9537e2e.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%




7/13/2011                                                                                  v1.2                                                                                            Page 18
                                        a0523f6c-b92f-4f92-98ee-f2cba9537e2e.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




7/13/2011                                                  v1.2                                                  Page 19
                                 a0523f6c-b92f-4f92-98ee-f2cba9537e2e.xls
                                             Category Page




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




                                            *Page Summary*



7/13/2011                                         v1.2                                                Page 20
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                                               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*




7/13/2011                                          v1.2                                                 Page 22
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                                             Checking Register




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




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                           a0523f6c-b92f-4f92-98ee-f2cba9537e2e.xls
                                      Checking Register



                           Cleared
            Check #   Checks    Deposits




7/13/2011                                   v1.2                      Page 24
                                 a0523f6c-b92f-4f92-98ee-f2cba9537e2e.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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                                            Checking Register



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




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                                                     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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                               a0523f6c-b92f-4f92-98ee-f2cba9537e2e.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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                                 a0523f6c-b92f-4f92-98ee-f2cba9537e2e.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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                                                           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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