|
|
|
|
|
|
|
|
|
|
|
|
|
|||
|
|
|
|
|
|
|
Average Monthly |
Periodic Monthly |
Total Monthly |
|
|
|
|||
|
|
INCOME |
|
|
|
|
|
|
|
|
|
|
|||
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
|
|
|
Employment
Income - Client |
|
|
|
|
|
|
|
|
|
|||
|
|
|
Employment
Income - Spouse |
|
|
|
|
|
|
|
|
|
|||
|
|
|
Investment
Income |
|
|
|
|
|
|
|
|
|
|||
|
|
|
Rental Income |
|
|
|
|
|
|
|
|
|
|||
|
|
|
Family
Allowance, etc. |
|
|
|
|
|
|
|
|
|
|||
|
|
|
Personal Income |
|
|
|
|
|
|
|
|
|
|||
|
|
|
Income from
self-employment |
|
|
|
|
|
|
|
|
|
|||
|
|
|
Other Income |
|
|
|
|
|
|
|
|
|
|||
|
|
|
TOTAL MONTHLY
INCOME |
|
|
|
|
|
|
|
|
|
|||
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
|
|
|
EXPENSES |
|
|
|
|
|
|
|
|
|
|||
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
|
|
|
HOUSING: |
|
|
|
|
|
|
|
|
|
|||
|
|
|
Mortgage or Rental Payments |
|
|
|
|
|
|
|
|
|
|||
|
|
|
Property Taxes |
|
|
|
|
|
|
|
|
|
|||
|
|
|
Property
Insurance |
|
|
|
|
|
|
|
|
|
|||
|
|
|
Mortgage
Insurance |
|
|
|
|
|
|
|
|
|
|||
|
|
|
Repairs and
Maintenance |
|
|
|
|
|
|
|
|
|
|||
|
|
|
Other |
|
|
|
|
|
|
|
|
|
|||
|
|
|
SUB TOTAL |
|
|
|
|
|
|
|
|
|
|||
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
|
|
|
UTILITIES: |
|
|
|
|
|
|
|
|
|
|||
|
|
|
Heat |
|
|
|
|
|
|
|
|
|
|||
|
|
|
Water |
|
|
|
|
|
|
|
|
|
|||
|
|
|
Light |
|
|
|
|
|
|
|
|
|
|||
|
|
|
Telephone |
|
|
|
|
|
|
|
|
|
|||
|
|
|
Cable TV |
|
|
|
|
|
|
|
|
|
|||
|
|
|
Other |
|
|
|
|
|
|
|
|
|
|||
|
|
|
SUB TOTAL |
|
|
|
|
|
|
|
|
|
|||
|
|
|
|
|
|
|
|
|
|
|
|
|
|||
|
|
|
FOOD, HOUSEHOLD SUPPLIES & MAINTENANCE: |
|
|
|
|
|
|
|
|
|
|||
|
|
|
Groceries and Household
Supplies |
|
|
|
|
|
|
|
|
|
|||
|
|
|
Lawn and Garden |
|
|
|
|
|
|
|
|
|
|||
|
|
|
Decorating and
Painting |
|
|
|
|
|
|
|
|
|
|||
|
|
|
Furniture and
Appliances |
|
|
|
|
|
|
|
|
|
|||
|
|
|
Pet and Pet
Care |
|
|
|
|
|
|
|
|
|
|||
|
|
|
Household Help |
|
|
|
|
|
|
|
|
|
|||
|
|
|
Other |
|
|
|
|
|
|
|
|
|
|||
|
|
|
SUB TOTAL |
|
|
|
|
|
|
|
|
|
|||
|
|
|
|
|
|
|
Average Monthly |
Periodic Monthly
|
Total Monthly |
|
|
|
|
|
|
TRANSPORTATION AND FEES: |
|
|
|
|
|
|
|
|
|
|
|
|
Auto Lease or Loan Payment |
|
|
|
|
|
|
|
|
|
|
|
|
Gasoline and
Oil |
|
|
|
|
|
|
|
|
|
|
|
|
Auto
Maintenance and Repairs |
|
|
|
|
|
|
|
|
|
|
|
|
Auto Insurance
and License(s) |
|
|
|
|
|
|
|
|
|
|
|
|
Public Transportation |
|
|
|
|
|
|
|
|
|
|
|
|
Other |
|
|
|
|
|
|
|
|
|
|
|
|
SUB TOTAL |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
CLOTHING AND
ACCESSORIES: |
|
|
|
|
|
|
|
|
|
|
|
|
Leisure Clothing |
|
|
|
|
|
|
|
|
|
|
|
|
Business
Clothing |
|
|
|
|
|
|
|
|
|
|
|
|
Footwear |
|
|
|
|
|
|
|
|
|
|
|
|
Outerwear |
|
|
|
|
|
|
|
|
|
|
|
|
Clothing services/Dry-cleaning |
|
|
|
|
|
|
|
|
|
|
|
|
Other |
|
|
|
|
|
|
|
|
|
|
|
|
SUB TOTAL |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
DEPENDENT EXPENSES: |
|
|
|
|
|
|
|
|
|
|
|
|
Child Allowance |
|
|
|
|
|
|
|
|
|
|
|
|
Child Day Care |
|
|
|
|
|
|
|
|
|
|
|
|
Child Education
Expense |
|
|
|
|
|
|
|
|
|
|
|
|
Alimony and Child
Support |
|
|
|
|
|
|
|
|
|
|
|
|
Babysitting |
|
|
|
|
|
|
|
|
|
|
|
|
Family
Commitments |
|
|
|
|
|
|
|
|
|
|
|
|
Other |
|
|
|
|
|
|
|
|
|
|
|
|
SUB TOTAL |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
HEALTHCARE: |
|
|
|
|
|
|
|
|
|
|
|
|
Life and Disability Insurance |
|
|
|
|
|
|
|
|
|
|
|
|
Dental,
Medical, Vision Insurance |
|
|
|
|
|
|
|
|
|
|
|
|
Extra-billing
and Uncovered Expenses |
|
|
|
|
|
|
|
|
|
|
|
|
Other |
|
|
|
|
|
|
|
|
|
|
|
|
SUB TOTAL |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Average Monthly |
Periodic Monthly |
Total Monthly |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
RECREATION AND PERSONAL DEVELOPMENT: |
|
|
|
|
|
|
|
|
|
|
|
|
Family Vacation |
|
|
|
|
|
|
|
|
|
|
|
|
Club Dues and
Membership Fees |
|
|
|
|
|
|
|
|
|
|
|
|
Hobbies |
|
|
|
|
|
|
|
|
|
|
|
|
Dining Out |
|
|
|
|
|
|
|
|
|
|
|
|
Cinema,
Theatre, etc. |
|
|
|
|
|
|
|
|
|
|
|
|
Entertaining at
Home |
|
|
|
|
|
|
|
|
|
|
|
|
Books and
Newspapers |
|
|
|
|
|
|
|
|
|
|
|
|
Adult Education
Programs |
|
|
|
|
|
|
|
|
|
|
|
|
Luncheons and
Pocket Money |
|
|
|
|
|
|
|
|
|
|
|
|
Personal
Grooming |
|
|
|
|
|
|
|
|
|
|
|
|
Other |
|
|
|
|
|
|
|
|
|
|
|
|
SUB TOTAL |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
MISCELLANEOUS: |
|
|
|
|
|
|
|
|
|
|
|
|
Christmas and Birthday Gifts |
|
|
|
|
|
|
|
|
|
|
|
|
Charitable /
Church Contributions |
|
|
|
|
|
|
|
|
|
|
|
|
Political
Contributions |
|
|
|
|
|
|
|
|
|
|
|
|
Other |
|
|
|
|
|
|
|
|
|
|
|
|
SUB TOTAL |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
TOTAL EXPENSES |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
TOTAL MONTHLY
INCOME |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
CASH FLOW
BEFORE SAVINGS |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
SAVINGS AND DEBT REDUCTION |
|
|
|
|
|
|
|
|
|
|
|
|
Credit Card Payments (over 30 days) |
|
|
|
|
|
|
|
|
|
|
|