47785699 basic money management workbook 2008[1]

8/6/2019 47785699 Basic Money Management Workbook 2008[1]

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THE BASIC

MONEY

MANAGEMENT

WORKBOOKA Twelve Month Spending Plan

for Financial Peace of Mind

- Abridged Edition -

A Stand-Alone Workbook &Supplement to theGirl!Book Series

by Glinda F. Bridgforth


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THE BASIC MONEY

MANAGEMENTWORKBOOKA Twelve Month Program for Financial Peace of Mind

Abridged Edition:The 12-Month Spending Planand Daily Tracking Sheets

Glinda F. BridgforthBridgforth Financial

[email protected]

www.bridgforthfinancial.com
mailto:[email protected]://www.bridgforthfinancial.com/http://www.bridgforthfinancial.com/mailto:[email protected]


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Copyright 2008 Glinda F. Bridgforth

All rights reserved under International and Pan-American CopyrightConventions

Published in the U.S.A

Original Design by Natalia Jacopetti

First Edition Published 1994 Morris Publishing

Bridgforth Financial

1300 Lafayette East, Suite 2302, Detroit, Michigan 48207Tel: (313) 566-0026 Fax: (313) 887-9546


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Contents

Authors Note ...............................................................................................................1

Spending Plan...............................................................................................................2

Sample Monthly Spending Plan ......................................................................6

Sample Daily Tracking .....................................................................................8

Spending Plan Annual Recap ........................................................................10

12-Month Spending Plan Work Sheets..............................................................11-169


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- 1 -

Authors Note

he Spending Plan is an essential element in getting

your money straight and making it grow. I have used

it with clients in my financial counseling practice since start-

ing my business in 1990. By creating a plan you assess your

needs and wants. By tracking your spending you can iden-

tify areas of waste and excess. It helps you set perimeters

around your spending. This abridged edition differs from

the original workbook in that it includes only a sample of the

planning and tracking worksheets along with instructions on

how they should be completed. There are no exercises or

debt reduction worksheets and strategies. In this abridged

version you will find the key components that can help you

create financial stability and fiscal freedom. Use them consis-

tently and enjoy the journey to financial peace of mind.

T


6/173

- 2 -

Spending

Plan

REMEMBER MY FIRST REACT-

ion to hearing the term Spending

Plan. I thought it sounded ominous,

and wondered suspiciously, What is

this; how can it manage my money

better? After looking at the format, it

didnt take long to understand why

the term Spending Plan was more

appropriate than the word budget,

with its negative connotations. Budg-

eting had always brought up resis-

tance and feelings of stress, challenge,

discipline, lack, sacrifice, deprivation

and failure. Failure because I hadnever in the past been able to make a

budget work and I had never met

anyone who had been successful with

one.

In time, I came to realize that the

Spending Plan is the key to mastering

your money. Its purpose is not to limit

your spending but to identify what

you need for quality of life that has asense of balance and well being. The

plan helps you to anticipate and be

prepared for expenses so as not to

throw yourself into chaos and not be

overwhelmed when trying to meet

monthly expenses. Sometimes being

overwhelmed can lead to financial

paralysis: not opening mail, not pay-

ing bills, not corresponding with

creditors, not taking care of yourself.

To begin your Spending Plan,

first relax and breathe deeply. Focus

your attention on yourself and your

needs. Let go of feelings of limitation.

Visualize somewhere between realisti-

cally what you can afford and ideally

meeting all your needs. Some people

may find this process extremely diffi-

cult because they have never felt com-fortable examining their own needs.

Be aware of feelings that come up dur-

ing this process and of any areas that

take an excessively long time to com-

plete. The behaviors could be indica-

tors of factors contributing to your

Emotional Money Inventory. You

may want to go back and explore

some of those feelings.

Use the steps below in completing

the Spending Plan for the appropriate

month you begin the program. Page

numbers shown refer to the Sample

Pages 6-10 which can be used for

guidance.

I


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- 3 -

Step One: The Monthly Plan

Locate the column entitled

Monthly Plan on the Monthly Spend-

ing Plan form (see page 6). As you go

down this column, write in the amount

of money you feel will be necessary to

meet your monthly needs and to make

you feel whole and complete. This is an

estimate. You may spend more or less,

you may adjust that number later, but

for now put an amount there.

Again, as you work your way

through the monthly column, if you

find there are areas you really struggle

with, it usually means that area needs

exploring. One client I had could not

get past the first categorygroceries.

When I started coaching her, she got

really teary. We discovered that there

had always been lots of fights in herfamily around the dining room table.

In addition, as a child she wasnt nour-

ished properly. As an adult she still

struggles with trying to buy food for

herself, never has much in the refrig-

erator, and feels guilty whenever she

goes out to eat. Creating positive action

steps and affirmations really helped

her to attain a new level of awareness.

As you go through the rest of the

categories on your Spending Plan, here

are a few items to take note of:

Under Housing, list mortgage, rent,

or whatever you estimate as your

monthly expense for housing.

Under Household Items, list gar-

bage bags, paper towels, cleaningsupplies, light bulbs and other non-

food items you buy for the house.

Under Self Care, write in an

amount for exercise or other self-

improvement activities.

Under Recovery (Spiritual Self Im-

provement), write down what you

tithe at church and/or what you

spend on a therapist or supportgroup.

Under Dependent Care, be sure to

list everything you are spending

for your children and your parents.

It can be very revealingif you are

giving to others, but not to yourself

you may suddenly act out in

some other way.

Under Transportation, be sure to

allow an ample amount for main-

tenance.

Under Entertainment, make sure

you maintain balance in your life.

Under Savings, develop a consis-

tency and break it down if you

likeso much towards a car, spe-

cial purchase, cushion, etc.

Under Business Expenses, write in

all expenses.

Under Income, in addition to filling

in the amount of your salary for a

month, be sure to include reim-

bursement for business expenses.

Spending Plan

This number refersyou to specific sampleforms on pages 6-10.They are given so thatyou may follow alongwith the directions.


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- 4 -

Step Two: Calculate Cash Flow

In the Monthly Category Recapsection (see page 7), fill in the monthly

plan totals for each expense category.

The total amount from each category is

your total spending estimate for a

month. Now add the income section

and transfer the amount to total in-

come.

Next, calculate your cash on hand

at the beginning of the month, includ-ing wallet, house petty cash and check-

ing account balances. Your cash on

hand added to your estimated monthly

income will be your Monthly Income

total. Below that enter your estimated

Monthly Expenses Total. Subtracting

the Monthly Expenses Total from Cash

on Hand and Monthly Income Total is

your Cash Flow, either a positive or a

negative number. If you Cash Flow is

positive, great! You can now analyze

that amount and make decisions to in-

crease spending in areas where you

have been somewhat conservative, or

you may allocate additional dollars to

the investment part of your Spending

Plan or you may make extra payments

on your debt. If your Cash Flow is

negative, you can deal with it as well.Its what you have to know; for exam-

ple, it will take an additional $500 a

month to make sure your needs are

met in every category. So you must ei-

ther increase your income or decrease

your expenses. If after shaving wher-

ever possible form your expenses, your

Cash Flow still comes up negative, you

should begin to explore ways of in-

creasing your income.

A college student I worked withhad a negative cash flow of $300. Being

in school, she only had limited extra

time for working. Her friends said she

could never earn $300 in the time she

had. But she called and said, Glinda, if

I hadnt put it all down on paper and

focused on it, believing in what had to

be done, I never would have found this

job that pays me the exact amount I

need for the hours that I can work!

You may not be able to find the ex-

tra time or the extra job that will bring

in additional income, but there may be

other things you can do. There might

be something you can sell, or you

might want to have a garage sale. Or

perhaps you could eliminate a service

expense by making a trade of services

with someone. The main idea is to

identify your needs and develop the

plan for getting your goals met.

Step Three: Daily Tracking &

Monthly Recap

There are two forms involved in

this part of the process: the Daily

Tracking(see page 8) of actual expen-

ditures for a week, and the MonthlySpending Plan (see page 6) for totaling

four weeks of Daily Tracking. This

process provides for a comparison of

actual expenditures with the estimated

monthly plan totals.

Spending Plan


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- 5 -

On the Daily Trackingform for

each month, track all the money that

you spend, item by item, day by day. If

you buy $10 worth of gas, put that

down. But if you use a credit card write

the amount down in a different color

ink. Dont add it in with your total be-

cause you didnt actually pay cash out.

Credit will show up under debt re-

payment when you pay for your credit

card, but color coding will still allow

you to know how much money is outand where it is going. There are five

daily tracking forms for each month.

Add the daily expenditures across.

The weekly totals should be carried

over to the Monthly Spending Plan for

weeks 1-5. Total the expenditures

across, then transfer to the Monthly

Recap section so you can compare

what you thought you would spend

with what you actually spent. By doing

this tracking, you will begin to discover

how accurate your estimates were and

you will get a much better idea of what

your REAL needs are on a monthly

basis. It is important to do a Spending

Plan monthly because your needs

change monthly and you can provide

for birthdays and other anticipated

special purchases for that month.

This may seem like a lot of work

but it quickly becomes second nature

and you will be amazed at what you

will discover. You may find yourself

suddenly spending money that wasnt

in your estimate at all, and then having

to take nibbles out of some of your

other areas; this may suggest that you

need to build your monthly estimate

differently. You may begin to notice

unexpected rhythms and patterns to

your spending. But whatever you be-

gin to learn, know without a doubt that

your willingness to dedicate yourself to

this process will yield amazing results.Its all part of becoming conscious

around money. The attention that you

pay to money matters is what eventu-

ally leads you out of murky helpless-

ness and into a position of power and

control.

Step Four: Spending Plan

Annual Recap

The Spending Plan Annual Recap

(see page 10) should be completed at

the end of each month. Transfer the

actual expenses from the Monthly

Category Recap to this form. Tracking

and analyzing these expenses on a

monthly basis can alert you to fluctua-

tions in spending patterns that may

warrant your attention.

Spending Plan


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- 6 -

-SAMPLE-


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- 7 -

-SAMPLE-


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- 8 -

-SAMPLE-


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- 9 -

-SAMPLE-


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- 10 -

Jan.

actual

Feb.

actual

Mar.

actual

Apr.

actual

May.

actual

June

actual

July

actual

Aug.

actual

Sept.

actual

Oct.

actual

Nov.

actual

Dec.

actual

Annua

TotaFOOD

SHELTER

SELF-CARE

RECOVERY

DEPENDENT CARE

TRANSPORTATION

ENTERTAINMENT

INVESTMENTS

MONTHY ALLOCATIONS

MISCELLANEOUS

DEBT REPAYMENT

ONE-TIME EXPENSESBUSINESS EXPENSES

TOTAL EXPENSES

TOTAL INCOME

CASH ON HAND +

INCOME +

TOTAL INCOME =

EXPENSES -

CASH FLOW

Spending Plan Annual RecapYear

-SAMPLE-


15/173

- 11 -

Blank Work

Sheets

n this section you will find enough blank copies of the Spending Plan,

Daily Tracking Sheet, and Spending Plan Annual Recap for a 12-

month time frame. A simple way to stay organized is to place the work-

sheets in a 3-ring binder with monthly index tabs. If you are starting this

process mid-year, begin with the appropriate month at the beginning of

your binder and move the preceeding months to the end of your work-

book. I also recommend you consider purchasing 12 pocket folders so

when bills come in they can be placed in the appropriate month for easy

accessibility.

Happy Tracking!

I


16/173

- 12 -

January

Work Sheets


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- 13 -

mnthplan

wk1

wk2

wk3

wk4

wk5

motl

FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone

Water/GarbageGas & Electric

Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals

RECOVERY/SELF IMPROVEMENT

Spiritual

Therapy

Financial Cnslg

Totals

mnthplan

wk1

wk2

wk3

wk4

wk5

motl

DEPENDENT CARE

Clothes

ChildcarePets

Totals

TRANSPORTATION

Car Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Transport

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

JANUARY Spending Plan

Month/Year


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- 14 -

mnthplan

wk1

wk2

wk3

wk4

wk5

motl

DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals

MONTHLY CATEGORY RECAP

MonthPlan

MonthActual

+

-

FOODSHELTER

SELF-CARE

RECOVERY

DEPENDENT CARE

TRANSPORTATION

ENTERTAINMENT

INVESTMENTS

MONTHY ALLOCATIONS

MISCELLANEOUS

DEBT REPAYMENT

ONE-TIME EXPENSES

BUSINESS EXPENSESTOTAL EXPENSES

TOTAL INCOME

CASH ON HAND +

INCOME +

TOTAL INCOME =

EXPENSES -

CASH FLOW

JANUARY Spending Plan (continued)


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- 15 -

mon tue wed thur fri sat sun tl

FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Car Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Trnsprt

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 1 / January


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- 16 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals

Daily Tracking (continued)


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- 17 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

PhoneWater/Garbage

Gas & Electric

Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

Clothing

Shoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic TrnsprtInsurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 2 / January


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- 18 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



23/173

- 19 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Trnsprt

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 3 / January


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- 20 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



25/173

- 21 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Trnsprt

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 4 / January


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- 22 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



27/173

- 23 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Trnsprt

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 5 / January


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- 24 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



29/173

- 25 -

February

Work Sheets


30/173

- 26 -

mnthplan

wk1

wk2

wk3

wk4

wk5

motl

FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals

mnthplan

wk1

wk2

wk3

wk4

wk5

motl

DEPENDENT CARE

Clothes

ChildcarePets

Totals

TRANSPORTATION

Car Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Transport

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

FEBRUARY Spending Plan

Month/Year


31/173

- 27 -

mnthplan

wk1

wk2

wk3

wk4

wk5

motl

DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals


MonthPlan

MonthActual

+

-

FOODSHELTER

SELF-CARE

RECOVERY

DEPENDENT CARE

TRANSPORTATION

ENTERTAINMENT

INVESTMENTS

MONTHY ALLOCATIONS

MISCELLANEOUS

DEBT REPAYMENT

ONE-TIME EXPENSES


TOTAL INCOME

CASH ON HAND +

INCOME +

TOTAL INCOME =

EXPENSES -

CASH FLOW

FEBRUARY Spending Plan (continued)


32/173

- 28 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Trnsprt

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 1 / February


33/173

- 29 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



34/173

- 30 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

PhoneWater/Garbage

Gas & Electric

Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

Clothing

Shoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls


Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 2 / February


35/173

- 31 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



36/173

- 32 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Trnsprt

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 3 / February


37/173

- 33 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



38/173

- 34 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Trnsprt

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 4 / February


39/173

- 35 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



40/173

- 36 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Trnsprt

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 5 / February


41/173

- 37 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



42/173

- 38 -

March

Work Sheets


43/173

- 39 -

mnthplan

wk1

wk2

wk3

wk4

wk5

motl

FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals

mnthplan

wk1

wk2

wk3

wk4

wk5

motl

DEPENDENT CARE

Clothes

ChildcarePets

Totals

TRANSPORTATION

Car Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Transport

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

MARCH Spending Plan

Month/Year


44/173

- 40 -

mnthplan

wk1

wk2

wk3

wk4

wk5

motl

DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals


MonthPlan

MonthActual

+

-

FOODSHELTER

SELF-CARE

RECOVERY

DEPENDENT CARE

TRANSPORTATION

ENTERTAINMENT

INVESTMENTS

MONTHY ALLOCATIONS

MISCELLANEOUS

DEBT REPAYMENT

ONE-TIME EXPENSES


TOTAL INCOME

CASH ON HAND +

INCOME +

TOTAL INCOME =

EXPENSES -

CASH FLOW

MARCH Spending Plan (continued)


45/173

- 41 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Trnsprt

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 1 / March


46/173

- 42 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



47/173

- 43 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

PhoneWater/Garbage

Gas & Electric

Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

Clothing

Shoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls


Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 2 / March


48/173

- 44 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



49/173

- 45 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Trnsprt

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 3 / March


50/173

- 46 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



51/173

- 47 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Trnsprt

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 4 / March


52/173

- 48 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



53/173

- 49 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Trnsprt

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 5 / March


54/173

- 50 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



55/173

- 51 -

April

Work Sheets


56/173

- 52 -

mnthplan

wk1

wk2

wk3

wk4

wk5

motl

FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals

mnthplan

wk1

wk2

wk3

wk4

wk5

motl

DEPENDENT CARE

Clothes

ChildcarePets

Totals

TRANSPORTATION

Car Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Transport

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

APRIL Spending Plan

Month/Year


57/173

- 53 -

mnthplan

wk1

wk2

wk3

wk4

wk5

motl

DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals


MonthPlan

MonthActual

+

-

FOODSHELTER

SELF-CARE

RECOVERY

DEPENDENT CARE

TRANSPORTATION

ENTERTAINMENT

INVESTMENTS

MONTHY ALLOCATIONS

MISCELLANEOUS

DEBT REPAYMENT

ONE-TIME EXPENSES


TOTAL INCOME

CASH ON HAND +

INCOME +

TOTAL INCOME =

EXPENSES -

CASH FLOW

APRIL Spending Plan (continued)


58/173

- 54 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Trnsprt

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 1 / April


59/173

- 55 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



60/173

- 56 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

PhoneWater/Garbage

Gas & Electric

Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

Clothing

Shoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls


Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 2 / April


61/173

- 57 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



62/173

- 58 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Trnsprt

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 3 / April


63/173

- 59 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



64/173

- 60 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Trnsprt

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 4 / April


65/173

- 61 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



66/173

- 62 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Trnsprt

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 5 / April


67/173

- 63 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



68/173

- 64 -

May

Work Sheets


69/173

- 65 -

mnthplan

wk1

wk2

wk3

wk4

wk5

motl

FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals

mnthplan

wk1

wk2

wk3

wk4

wk5

motl

DEPENDENT CARE

Clothes

ChildcarePets

Totals

TRANSPORTATION

Car Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Transport

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

MAY Spending Plan

Month/Year


70/173

- 66 -

mnthplan

wk1

wk2

wk3

wk4

wk5

motl

DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals


MonthPlan

MonthActual

+

-

FOODSHELTER

SELF-CARE

RECOVERY

DEPENDENT CARE

TRANSPORTATION

ENTERTAINMENT

INVESTMENTS

MONTHY ALLOCATIONS

MISCELLANEOUS

DEBT REPAYMENT

ONE-TIME EXPENSES


TOTAL INCOME

CASH ON HAND +

INCOME +

TOTAL INCOME =

EXPENSES -

CASH FLOW

MAY Spending Plan (continued)


71/173

- 67 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Trnsprt

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 1 / May


72/173

- 68 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



73/173

- 69 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

PhoneWater/Garbage

Gas & Electric

Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

Clothing

Shoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls


Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 2 / May


74/173

- 70 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



75/173

- 71 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Trnsprt

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 3 / May


76/173

- 72 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



77/173

- 73 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Trnsprt

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 4 / May


78/173

- 74 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



79/173

- 75 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Trnsprt

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 5 / May


80/173

- 76 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



81/173

- 77 -

June

Work Sheets


82/173

- 78 -

mnthplan

wk1

wk2

wk3

wk4

wk5

motl

FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals

mnthplan

wk1

wk2

wk3

wk4

wk5

motl

DEPENDENT CARE

Clothes

ChildcarePets

Totals

TRANSPORTATION

Car Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Transport

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

JUNE Spending Plan

Month/Year


83/173

- 79 -

mnthplan

wk1

wk2

wk3

wk4

wk5

motl

DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals


MonthPlan

MonthActual

+

-

FOODSHELTER

SELF-CARE

RECOVERY

DEPENDENT CARE

TRANSPORTATION

ENTERTAINMENT

INVESTMENTS

MONTHY ALLOCATIONS

MISCELLANEOUS

DEBT REPAYMENT

ONE-TIME EXPENSES


TOTAL INCOME

CASH ON HAND +

INCOME +

TOTAL INCOME =

EXPENSES -

CASH FLOW

JUNE Spending Plan (continued)


84/173

- 80 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Trnsprt

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 1 / June


85/173

- 81 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



86/173


87/173

- 83 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



88/173

- 84 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Trnsprt

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 3 / June


89/173

- 85 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



90/173

- 86 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Trnsprt

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 4 / June


91/173

- 87 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



92/173

- 88 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Trnsprt

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 5 / June


93/173

- 89 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



94/173

- 90 -

July

Work Sheets


95/173

- 91 -

mnthplan

wk1

wk2

wk3

wk4

wk5

motl

FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals

mnthplan

wk1

wk2

wk3

wk4

wk5

motl

DEPENDENT CARE

Clothes

ChildcarePets

Totals

TRANSPORTATION

Car Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Transport

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

JULY Spending Plan

Month/Year


96/173

- 92 -

mnthplan

wk1

wk2

wk3

wk4

wk5

motl

DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals


MonthPlan

MonthActual

+

-

FOODSHELTER

SELF-CARE

RECOVERY

DEPENDENT CARE

TRANSPORTATION

ENTERTAINMENT

INVESTMENTS

MONTHY ALLOCATIONS

MISCELLANEOUS

DEBT REPAYMENT

ONE-TIME EXPENSES


TOTAL INCOME

CASH ON HAND +

INCOME +

TOTAL INCOME =

EXPENSES -

CASH FLOW

JULY Spending Plan (continued)


97/173

- 93 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Trnsprt

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 1 / July


98/173

- 94 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



99/173

- 95 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

PhoneWater/Garbage

Gas & Electric

Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

Clothing

Shoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls


Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 2 / July


100/173

- 96 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



101/173

- 97 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Trnsprt

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 3 / July


102/173

- 98 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



103/173

- 99 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Disab Ins

Totals


Spiritual

Therapy

Financial Cnslg

Totals


DEPENDENT CARE

Clothes

Childcare

Pets

Totals

TRANSPORTATION

Cary Payment

Gas

Maintenance

Parking/Tolls

Bus/Pubic Trnsprt

Insurance

Totals

ENTERTAINMENT

Movies

DVD Rental

Concerts/Theater

Dating

Totals

INVESTMENTS

Savings (Cushion)

Vacation

Retirement

Totals

MONTHLY ALLOCATIONS

Taxes

Car Registration

Totals

MISCELLANEOUS

Totals

Daily TrackingYear

Week 4 / July


104/173

- 100 -


DEBT REPAYMENT

Totals

ONE-TIME EXPENSES

Totals

BUSINESS EXPENSES

Rent

Phone

Office Supplies

Postage

Totals

INCOME

Totals



105/173

- 101 -


FOOD

Groceries

Breakfast

Lunch

Dinner

Snacks

Guest

Totals

SHELTER

Housing

Phone


Cable

Newspaper

Internet

Household Items

Housekeeper

Insurance

Totals

SELF CARE

ClothingShoes

Accessories

Haircare

Toiletries

Manicure

Massage

Medical

Dry Clnrs/Lndry

Life/Di

47785699 basic money management workbook 2008[1]

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