Money Management Planner - Financial Worksheets For Debt Relief
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1 Money Management Planner - Financial Worksheets For Debt Relief These worksheets are only part of what you need to succeed with debt relief. Your commitment to manage your money, debt and finances for success is what will really lead you to a secure financial future. Each worksheet has explanations of what to do where needed, including how to calculate the worksheets to get the answers you need about your finances. The worksheets can also be printed all at once, one at a time, or several pages in a row, just like you print other documents. It doesn't matter which debt relief option you end up choosing, you need to know exactly where you stand. Plus, if you don't want to end up back in over your head in the future, you need to learn to manage your money. Feel free to me with questions, comments, or feedback on anything you need to help you get your finances under control. debs@debtsteps.com I would also love to hear what you think of the worksheets, and whether or not they have helped you. Give me suggestions to improve them, too. After all, I want them to meet your needs, Be sure and check out our recommended resources at the end of this book Some will help you out now, others will be ready when you are. They are all highly recommended by us to help you get your finances under control, and manage your money for a secure financial future. DebtSteps.com helping you find the right debt relief to meet your needs! Money Management Planner Page 1 of 12 Copyright 2003 DebtSteps.com, all rights reserved.
2 Money Management Planner - Financial Worksheets For Debt Relief LEGAL TERMS OF USE AND DISCLAIMER I am going to keep this straight and simple, for your benefit and mine. This product is offered free of charge and without any warranties, guarantees, or other promises expressed or implied. We take no responsibility for your use of this product, or how it performs, in any manner whatsoever. YOU USE THIS PRODUCT COMPLETELY AT YOUR OWN RISK! As with anything in life, you get out what you put in. Your results may vary from examples, testimonials, etc. which may be published herein or on our website. The only benefit this book provides is easy access and printing of financial worksheets free of charge. We are not responsible for your use of this product, or any damage that may result of your use of this product, its contents, links, resources, etc. All Legal Terms of Use published on our website at are incorporated herein by reference and apply in full to this book. By reading and using the materials and worksheets in this book, you have agreed to all the terms and conditions herein and on our website. Money Management Planner Page 2 of 12 Copyright 2003 DebtSteps.com, all rights reserved.
3 Table Of Contents Page Worksheets What Is It? 1 Introduction 2 Disclaimer 3 Table Of Contents 4 Monthly Budget - Expenses Budget detail of all expenses for the month by category. Includes budgeted and actual comparisons Monthly Budget - Income & Summary Budget detail of all income for the month, including budgeted and actual comparisons. Also includes summary of Income, Expenses, Calculation of Net Income and Debt/Income Ratios. Listing of short, mid and long-term goals for personal and financial use. Asset detail and calculations comparing Net Income and Expenses to Recommended Budgeting Guidelines Worksheet To Track Credit Card Usage Detailed listing of all debts, secured and unsecured, payments, payoff terms, and notes for tracking extra payments, and revised payoff dates, etc. Use two copies of this worksheet. One to prepare an initial listing with all information. The second one to prioritize your debts into the order you want to payoff, first to last. Worksheet to track all your spending to help you see where your money is going. Worksheet to track credit card usage to help you see how your debt is climbing. 11 Debt Collector Worksheet Worksheet to track contacts with debt collectors and creditors. 12 Recommended Resources & Reference Notes Resources to websites, products, etc. designed to help you get your finances under control, and manage your money for a secure financial future. Also includes references to calculate income and expenses from variable periods to monthly. Money Management Planner Page 3 of 12 Copyright 2003 DebtSteps.com, all rights reserved.
4 Monthly Budget - Expenses For the month of: Housing Budgeted - Actual = Difference Personal Care Budgeted - Actual = Difference Mortgage, Home Equity, Rent Medical Insurance Hair/Nails Phone Clothing Electric & Gas Dry Cleaning Water & Sewer Cable or Satellite Waste removal Maintenance or repairs Entertainment Budgeted - Actual = Difference Real Estate Taxes Video/DVD/CDs Movies, Concerts, etc. Allowances Transportation Budgeted - Actual = Difference Automobile payment Bus/taxi fare Gifts & Donations Budgeted - Actual = Difference Insurance Immediate Family Licensing Family & Friends Fuel Donations Maintenance Food Budgeted - Actual = Difference Groceries Debt Payments Budgeted - Actual = Difference Dining out Car Loan Car Loan Secured Loans Secured Loans Pets Budgeted - Actual = Difference Personal Loans Food Personal Loans Medical Student Loans Grooming Student Loans Toys Credit Card Credit Card Credit Card Insurance Budgeted - Actual = Difference Credit Card Health Credit Card Life Credit Card Unsecured Debts Notes: Money Management Planner Page 4 of 12 Copyright 2003 DebtSteps.com, all rights reserved.
5 Monthly Budget - Income & Summary For the month of: Budgeted Monthly Income Income 1 + Income 2 = Total Budgeted - Actual = Difference Regular income Extra income Total Expenses Total Budgeted Income Budgeted - Actual = Difference Note: If using gross income, use Payroll Taxes section below. Differences Actual Monthly Income Income 1 + Income 2 = Total Note: A negative "Actual" balance means you need to take money from savings. A positive balance means you can add to savings. Regular income Extra income Budgeted Money Accounts To Savings - From Savings = Difference Total Actual Income Cash/Checking Emergency Fund Budgeted - Actual = Difference Savings Total Gross Income Investments Retirement Payroll Taxes Budgeted - Actual = Difference Federal Totals State Local Actual Money Accounts To Savings - From Savings = Difference Note: If you use the Payroll Taxes section, use gross for income calculations. Cash/Checking Emergency Fund Savings Note: Gross Income minus Payroll Taxes will equal Net Income. Investments Budgeted - Actual = Difference Retirement Total Net Income Totals Enter the amounts requested from your Monthly Budget to calculate your debt income ratio. a. Total Net Monthly Income (from monthly budget) b. Monthly Mortgage Payments c. Monthly Secured Debt d. Unsecured Monthly Debt (include home equity loans) (Cars, Boat, RV, etc.) Basic Debt Income Ratio Total Debt Income Ratio (c + d) / a (b + c + d) / a Notes: Money Management Planner Page 5 of 12 Copyright 2003 DebtSteps.com, all rights reserved.
6 Financial Goals Worksheet For the period of: Short-term -less than 4 months Target Date Est. Cost ( - ) or Savings (+) My Plan To Achieve Goal Mid-term - 5 to 12 months Target Date Est. Cost ( - ) or Savings (+) My Plan To Achieve Goal Long-term - over 1 year Target Date Est. Cost ( - ) or Savings (+) My Plan To Achieve Goal Questions To Ask Yourself and Answer! 1. Did you meet last months targeted goals? 2. If you didn't meet them, do you know why? 3. Explain 4. Do you think your goals, targeted dates, amounts and plans are realistic? 5. If not, why not? 6. How can you improve on meeting your goals? Notes: Money Management Planner Page 6 of 12 Copyright 2003 DebtSteps.com, all rights reserved.
7 Assorted Financial Worksheets Asset Worksheet Money Management Planner For the period of: Asset Name Purchase Cost $ Current Value $ Secured Creditor Debt Amount Plan For Asset Calculating Net Income To Recommended Budgeting Guidelines Use data from Monthly Budget Income 1 Total Income 2 Total Category Housing Recommended 35% Total Income Transportation 20% Less Payroll Taxes Debt Payments 15% Net Income Expenses 20% Note: If you didn't use Payroll Taxes section in Monthly Budget, don't use it for Net Income Calculation. Investments & Savings Totals 10% 100% Income Distribution Note: To calculate Income Distribution, multiply Net Income by Recommended % in each category. Note: Expenses does not include Payroll Taxes. Calculating Monthly Expense Category Amounts To Percentage Of Monthly Budget For categories, use totals from appropriate section of Monthly Budget (do not include Payroll Taxes) Recommended Budgeted Category Percentage Budgeted Amount Percentage Note: Calculation is Total of Budgeted or Actual divided by Category Amount Recommended Category Percentage Actual Amount Actual Percentage Housing 35% Housing 35% Transportation 20% Transportation 20% Debt Repayments 15% Debt Repayments 15% All Expenses 20% All Expenses 20% Investments & Savings 10% Investments & Savings 10% Totals 100% Totals 100% Notes: Money Management Planner Page 7 of 12 Copyright 2003 DebtSteps.com, all rights reserved.
8 Debt Worksheet For the period of: Debt On Home Type Of Debt Creditor Current Balance Interest Rate Minimum Payment Payoff In Months Extra Payment Amount New Payoff In Months First Mortgage 2nd Mortgage Equity Loan Judgment Totals Secured Debts (cars, boat, RV, etc.) Type Of Debt Creditor Current Balance Interest Rate Minimum Payment Payoff In Months Extra Payment Amount New Payoff In Months Totals Unsecured Debts (personal loans, student loans, credit cards, etc.) Type Of Debt Creditor Current Balance Interest Rate Minimum Payment Payoff In Months Extra Payment Amount New Payoff In Months Totals Total All Debt Notes: Prepare 2 copies of the Debt Worksheet. The first one to get them all listed, the second one to prioritize debts in order of accelerated payoff. Money Management Planner Page 8 of 12 Copyright 2003 DebtSteps.com, all rights reserved.
9 Spending Tracker For the period of: Use this worksheet to track all spending except paying your bills (utilities, insurance and taxes), and debt payments. These are tracked on your Monthly Budget form. Print out one copy of the Spending Tracker for each category. Categories to be used are: Housing Transportation Gifts & Donations Pets Personal Care Entertainment Food You can use one sheet for two categories if those categories don't usually have a lot of entries within a month. If you split a page, use the top of the page for one category and start the second category from the bottom. Use the subcategories on your Monthly Budget - Expenses form to track exactly where you are spending money for the last column in this form. Paid To Date Amount Description Of Spending How Did You Pay? Subcategory Totals By Category Money Management Planner Page 9 of 12 Copyright 2003 DebtSteps.com, all rights reserved.
10 Credit Card Usage Tracker Credit Card Issuer & Number: Use one form for each credit card. Description Date Merchant/Store Did you enter on Amount + Fees & Interest - Payments = Balance Beginning of month balance TOTALS Money Management Planner Page 10 of 12 Copyright 2003 DebtSteps.com, all rights reserved.
11 Debt Collector & Creditor Contact Log For the period of: Name Company, & Address of Debt Collector Telephone Name Of Creditor Account Number Details Of Agreement, if any. Date & Time Of Contact Notes Regarding Contact Money Management Planner Page 11 of 12 Copyright 2003 DebtSteps.com, all rights reserved.
12 Money Management Planner - Financial & Debt Relief Resources Fast Track Guide To Debt Relief Budgeting & Money Management Tutorials, Tools & Resources Comparing Options For Debt Consolidation Debt Consolidation Service, Consumer Credit Counseling & Debt Consolidation Loans Debt Negotiation & Settlement Debt Consolidation Mortgages, Loans & Budget Helper Borrowing Bankruptcy Credit Reporting Debt Collection Recommended Audio & Visual Library Free Newsletter Reference - Calculating Income & Expenses To Your Monthly Budget From To Formula Weekly Monthly B times 52 divided by 12 Every Two Weeks Monthly B times 26 divided by 12 Twice A Month Monthly B times 2 Quarterly Monthly B times 4 divided by 12 Semi-Annually Monthly B times 2 divided by 12 Annually Monthly B divided by 12 For calculation purposes, "B" is the income or expense item that needs to be converted to a monthly amount. Money Management Planner Page 12 of 12 Copyright 2003 DebtSteps.com, all rights reserved.
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