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Family Monthly Budget

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									Family Monthly Budget - W/ & W/O Proposed Modification
Name
                     Total Projected   Total Actual         Total                        Projected Monthly Income                                                                 5/9/2008
address                    Cost           Cost           Difference                                                                                                Date:
address                         $0              $0         #REF!      Income 1

Orig Price:                                                           Income 2                                                        $0

Zilliow Est:                                                          Income 3                                                        $0
                                                                      Extra income                                                    $0
                     Projected Cost Actual Cost          Difference
Housing                                                               Total monthly income                                            $0
Mortgage or rent                                $0               $0
                                                                                          Actual Monthly Income
Second mortgage                  $0             $0               $0
or rent
Phone                                           $0               $0   Income 1                                                        $0
cell phone                       $0             $0               $0   Income 2                                                        $0
Electricity                                     $0               $0   Income 3                                                        $0
Gas                              $0             $0               $0   Extra income                                                    $0
Water and sewer                                 $0               $0   Total monthly income                                            $0
Waste removal                                   $0               $0
Maintenance or                                                        Projected balance
                                 $0             $0               $0                                                                   $0                                       #DIV/0!
repairs                                                               (Projected income minus expenses)                                                Projected DTI
                                                                                                                                                   (Projected PITI-MI+
Mandatory HOA                    $0             $0               $0
                                                                                                                                                          debt:income)
Supplies                         $0             $0               $0
Taxes                            $0             $0               $0   Actual balance                                                  $0                      Actual DTI       #DIV/0!
                                                                      (Actual income minus expenses)                                                     (Actual PITI-MI+
Fire/Haz Insurance               $0             $0               $0                                                                                         debt:income)
Subtotals                                       $0               $0   Difference (Actual minus projected)                             $0


Transportatio        Projected Cost    Actual Cost       Difference   Children                                         Projected Cost      Actual Cost      Difference
n
Vehicle 1 payment                               $0               $0   Medical                                                                      $0                $0
Vehicle 2 payment                $0             $0               $0   Clothing                                                                     $0                $0
BART/Bus/taxi                    $0             $0               $0   School tuition                                                               $0                $0
fare
Auto Insurance                                  $0               $0   School supplies                                                              $0                $0
Licensing/Registra                              $0               $0   Organization dues or fees                                                    $0                $0
tion/SMOG
Fuel                                            $0               $0   Lunch money                                                                  $0                $0
Maintenance &                    $0             $0               $0   Child care                                                                   $0                $0
Repairs
Tolls/Parking/Othe               $0             $0               $0   Toys/games                                                                   $0                $0
r
Subtotals                                       $0               $0   Other                                                                        $0                $0
                                                                      Subtotals                                                                    $0                $0


Insurance            Projected Cost    Actual Cost       Difference   Entertainment                                    Projected Cost      Actual Cost      Difference

Health                           $0             $0               $0   Video/DVD                                                                    $0                $0
Homeowners                                      $0               $0   CDs                                                             $0           $0                $0
Life                                            $0               $0   Movies                                                                       $0                $0

Other                            $0             $0               $0   Concerts                                                        $0           $0                $0
Other                            $0             $0               $0   Sporting Events                                                 $0           $0                $0
Subtotals                                       $0               $0   Internet                                                                     $0                $0
                                                                      Live theater                                                    $0           $0                $0

Food                 Projected Cost    Actual Cost       Difference   Other-CABLE/direct TV                                                        $0                $0
Groceries                        $0             $0               $0   Subtotals                                                       $0           $0                $0
Dining out/Meals                 $0             $0               $0
at Work
Other                            $0             $0               $0
Subtotals                        $0             $0               $0   Loans      (auto, student, computer, jewlery, funiture, etc.)                                         Balance Owed
                                                                      loan #1                                                                      $0                $0                  0.00
Miscellaneous        Projected Cost    Actual Cost       Difference   loan #2                                                         $0           $0                $0
                                                                 $0   loan #3                                                         $0           $0                $0
Medical Co-                                     $0               $0   Credit card                                                                  $0                $0                  0.00
pays/out-of-
Medications/RX                                  $0               $0   Credit card                                                     $0           $0                $0
                                 $0             $0               $0   Credit card                                                                                    $0
Child Support that
you pay                          $0             $0               $0   Credit card                                                                                    $0
Bank                             $0             $0               $0   Credit card                                                                                    $0
Fees/OD/NSF
Postage/Printing/C                              $0               $0   Other                                                                                          $0
opies
Union/Organizatio                                                $0   Subtotals                                                       $0           $0                $0                    0
n dues or fees
Other                                           $0               $0
Subtotals                        $0             $0               $0   Taxes                                            Projected Cost      Actual Cost      Difference

                                                                      Federal                                                         $0           $0                $0

Pets                 Projected Cost    Actual Cost       Difference   State                                                           $0           $0                $0
Food                                            $0               $0   Tax Installment                                                 $0           $0                $0
                                                                      Delinquent Property Tax-36 month
Medical                                         $0               $0                                                                                                  $0
                                                                      repayment plan
Grooming                         $0             $0               $0   Subtotals                                                       $0           $0                $0
Toys                             $0             $0               $0
Other                                                            $0   Savings or Investments                           Projected Cost      Actual Cost      Difference

Subtotals                                       $0               $0   Reserves account -Goal: 6 x monthly exp                         $0           $0                $0
                                                                      Emergency/Surprise/"Oops!" account                              $0           $0                $0

Personal Care        Projected Cost    Actual Cost       Difference   Retirement/Investment                                           $0           $0                $0
Toiletries                       $0             $0               $0   College/Other                                                                                  $0
Hair/nails/Barber/               $0             $0               $0   Subtotals                                                       $0           $0                $0
Cosmetics
Clothing/Jewlery                 $0             $0               $0
Dry                              $0             $0               $0   Gifts and Donations                              Projected Cost      Actual Cost      Difference
cleaning/Laundry
Health club                      $0             $0               $0   Tithing                                                                                        $0
Cigarettes/Alcohol               $0             $0               $0   Gifts (birthdays, holidays)                                                  $0                $0
Other                            $0             $0               $0   Other Charity                                                                  0               $0

Subtotals                        $0             $0               $0   Subtotals                                                       $0           $0                $0


Legal                Projected Cost    Actual Cost       Difference   Assets/Savings                                   Projected Cost      Actual Cost      Difference

Attorney                                        $0               $0   Balance in retirement account                                                                  $0
Alimony                                         $0               $0   Balance in 401K/403B/IRA                                                     $0                $0
Payments on lien                                $0               $0   Balance in Roth IRA                                                          $0                $0
or judgment
Other                                                0           $0   Regular Savings                                                              $0                $0

Subtotals                        $0             $0               $0   Refunds/Inheritance/Settlements                                              $0                $0
                                                                      Subtotals                                                       $0           $0                $0
Mortgage             Projected Cost    Actual Cost       Difference
Information
1st mortgage                                                     $0
balance
2nd mortgage                     $0             $0               $0
balance
Other liens                                                      $0
Other liens                                                      $0
Other liens                                                      $0
Subtotals                        $0             $0               $0

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