Income Sources Recap Jot down your streams of income, even if it s just a trickle right now.

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1 Income Sources Recap Jot down your streams of income, even if it s just a trickle right now. Money s fun. If you ve got some. You ve got money coming in from somewhere, right? Then write it down. This form documents every single income source you ve got. There s no such thing as found money. It all counts, and it all goes on the budget! Enter the amount of each income item here EMPLOYMENT AMOUNT Paycheck 1 Paycheck 2 Commissions Bonus Self-Employment Tax Refund INVESTMENTS/RETIREMENT Interest Income Dividend Income Rental Income Trust Fund Social Security Pension Annuity OTHER Disability Income Alimony Child Support TANF Cash Gifts Unemployment Add up & enter total Income Enter the date or pay period it will arrive ARRIVAL DATE

2 Consumer Equity Sheet Here s where you can own up to what you have, and even what has you! Your net worth: what you own minus what you owe. Use this form to list all of your assets and their value. Then subtract what, if anything, you owe on each one. When you total the columns, the Total Equity box at the bottom shows your net worth. How much each item is worth ITEMS How much you owe on each item VALUE Subtract debt from value to get equity DEBT EQUITY Real Estate Real Estate Car Car Cash On Hand Checking Account Savings Account Money Market Account Mutual Funds Retirement Plan Cash Value (Insurance) Household Items Jewelry Antiques Boat Unsecured Debt (Negative) Credit Card Debt (Negative) This is your net worth VALUE DEBT EQUITY

3 Monthly Cash Flow Plan Cash flows in and out each month. Make sure you tell it where to go! Yes, this budget form has a lot of lines and blanks. But that s okay. We do that so we can list practically every expense imaginable on this form to prevent you from forgetting something. Don t expect to put something on every line. Just use the ones that are relevant to your specific situation. Step 1 Enter your monthly take-home pay in the box at the top right (A). This is the amount you have for the month to budget. So far so good, huh? A Monthly Take-Home Pay Step 2 Within each main category, such as Food, there are subcategories, like Groceries. Start at the top and work your way down, filling out the Budgeted column (B) first. Add up each subcategory and put that number in the Total box (C). Also, pay attention to Dave s recommended percentages (D). This will help you keep from budgeting too much for a category. Food B FOOD Transportation Spent Charity Budgeted Groceries Restaurants C D Step 3 Finally, enter your take-home pay in the top box at the end of the page (E), then add up all categories and place that total in the Category Totals box (F). Then subtract your Category Totals amount from your Take-Home Pay. You should have a zero balance (G). Doesn t that feel great? TAKE-HOME PAY E F CATEGORY S G ZERO BALANCE Step 4 When the month ends, put what you actually spent in the Spent column (H). That will help you make any necessary adjustments to the next month s budget. Food H FOOD Transportation Charity Groceries Restaurants Spent Budgeted

4 Monthly Cash Flow Plan Cash flows in and out each month. Make sure you tell it where to go! Add up budgeted column & enter here CHARITY FOOD Food Transportation Charity Monthly Take-Home Pay These icons represent good options for cash envelopes Tithes Charity & Offerings *10 15 % Groceries Restaurants *5 15 % SAVING CLOTHING Emergency Fund Retirement Fund College Fund *10 15% Adults Children Cleaning/Laundry *2 7 % HOUSING First Mortgage/Rent Second Mortgage Real Estate Taxes Repairs/Maint. Association Dues *25 35% Food Transportation Charity TRANSPORTATION Gas & Oil Repairs & Tires License & Taxes Car Replacement *10 15% UTILITIES Electricity Gas Water Trash Phone/Mobile Internet Cable *5 10 % MEDICAL/HEALTH Medications Doctor Bills Dentist Optometrist Vitamins *5 10 % *Dave s Recommended Percentages

5 INSURANCE Personal Insurance Debt Envelope RECREATION Life Insurance Health Insurance Homeowner/Renter Auto Insurance Disability Insurance Entertainment Vacation *5 10% DEBTS Identity Theft Long-Term Care *10 25% Car Payment 1 Car Payment 2 Credit Card 1 PERSONAL Child Care/Sitter Toiletries Cosmetics/Hair Care Education/Tuition Books/Supplies Child Support Alimony Subscriptions Organization Dues Gifts (inc. Christmas) Replace Furniture Credit Card 2 Credit Card 3 Credit Card 4 Credit Card 5 Student Loan 1 Student Loan 2 Student Loan 3 Student Loan 4 Pocket Money (His) Pocket Money (Hers) Baby Supplies Pet Supplies Music/Technology Miscellaneous *5 10 % *5 10 % Once you have completed filling out each category, subtract all category totals from your take-home pay. Use the income sources form if necessary Remember The goal of a zero- based budget is to get this number to zero Your goal is O% Add up totals from each category TAKE-HOME PAY CATEGORY S ZERO BALANCE

6 Recommended Percentages You nerds will love this one! Calculate how you compare to these suggestions. How much of your money should go where? We ve got some recommendations based on experience and research. If you find that you spend much more in one category than we recommend, consider adjusting your lifestyle in that area in order to enjoy more freedom and flexibility across the board. These are only suggestions though. For example, if you have a higher income, your percentage for things like food will be lower. Use this formula to get your target percentages Total monthly Income X Use this formula to get your actual percentages Budgeted Recommended Percentage Amount Total monthly Income 100 X ITEM RECOMMENDED % TARGET ACTUAL Charitable Gifts 10 15% Saving 10 15% Housing 25 35% Utilities 5 10% Food 5 15% Transportation 10 15% Clothing 2 7% Medical/Health 5 10% Insurance 10 25% Personal 5 10% Recreation 5 10% Debts 5 10%

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