Analyze and describe your current budget and budget variance. Budgeted plans offer business visionaries some assistance with setting financial objectives – and audit genuine execution against these objectives. Since a financial plan is an appraisal of future numbers in view of current data, your business' real execution ought to be like the budgeted sums. Real execution, be that as it may, will never be precisely the same as the financial backing. It will approach, miss the mark, or surpass the financial backing. The financial backing ought to be observed frequently consistently: quarterly, month to month, or even week after week. Inspecting the monetary allowance will offer you some assistance with identifying issues before they cost the business an excess of time or cash. How frequently you audit the financial backing relies on upon your trust in the figures and the danger connected with not meeting the monetary allowance. For instance, in the event that you should meet a specific spending plan so as to meet your credit commitments, the danger of missing the mark is high. You should think about modifying the present year's financial plan at different interims consistently. Numerous organizations re-assess their financial plans part of the way through the year. Along these lines they can survey the genuine results so far and modify the monetary allowance to all the more precisely speak to genuine desires. At the point when your business does not meet budgeted figures, begin by exploring the business methodology that shaped the premise for the financial backing. Some part of executing your business technique did not happen not surprisingly. You additionally need to investigate the financial backing figures, giving careful consideration to the real parts of benefit—Sales, Cost of Goods Sold, and Operating Expenses. Perhaps you met your Sales objectives and comprehended the Cost of Goods Sold, however misconstrued Operating Expenses. Assess the progressions you should make to future spending plans to incorporate this new information. While making a business budget plan, there are a great deal of things that you have to mull over. A financial plan is continually changing and being adjusted, in light of the fact that your business is always developing, changing, and making strides. In any case, there are additionally outer impacts that you have to mull over while making or altering your business spending plan. There are bunches of various types of outer impacts. Here is a rundown of a portion of the outer impacts that there are on a business spending plan: Political and lawful outside impacts: There are two or three distinct ways that legislative issues and lawful arrangements can influence your business. Maybe a standout amongst the most widely recognized political and legitimate outside elements is the creation and change of expenses. As a business, you truly have no influence over the amount of cash the administration chooses to duty you f.

1. Analyze and describe your current budget and budget variance.
Budgeted plans offer business visionaries some assistance with
setting financial objectives – and audit genuine execution
against these objectives. Since a financial plan is an appraisal
of future numbers in view of current data, your business' real
execution ought to be like the budgeted sums. Real execution,
be that as it may, will never be precisely the same as the
financial backing. It will approach, miss the mark, or surpass
the financial backing.
The financial backing ought to be observed frequently
consistently: quarterly, month to month, or even week after
week. Inspecting the monetary allowance will offer you some
assistance with identifying issues before they cost the business
an excess of time or cash. How frequently you audit the
financial backing relies on upon your trust in the figures and the
danger connected with not meeting the monetary allowance. For
instance, in the event that you should meet a specific spending
plan so as to meet your credit commitments, the danger of
missing the mark is high. You should think about modifying the
present year's financial plan at different interims consistently.
Numerous organizations re-assess their financial plans part of
the way through the year. Along these lines they can survey the
genuine results so far and modify the monetary allowance to all
the more precisely speak to genuine desires.
At the point when your business does not meet budgeted
figures, begin by exploring the business methodology that
shaped the premise for the financial backing. Some part of
executing your business technique did not happen not
surprisingly. You additionally need to investigate the financial
backing figures, giving careful consideration to the real parts of
benefit—Sales, Cost of Goods Sold, and Operating Expenses.
Perhaps you met your Sales objectives and comprehended the

2. Cost of Goods Sold, however misconstrued Operating Expenses.
Assess the progressions you should make to future spending
plans to incorporate this new information.
While making a business budget plan, there are a great deal of
things that you have to mull over. A financial plan is
continually changing and being adjusted, in light of the fact that
your business is always developing, changing, and making
strides. In any case, there are additionally outer impacts that
you have to mull over while making or altering your business
spending plan. There are bunches of various types of outer
impacts. Here is a rundown of a portion of the outer impacts
that there are on a business spending plan:
Political and lawful outside impacts: There are two or three
distinct ways that legislative issues and lawful arrangements
can influence your business. Maybe a standout amongst the
most widely recognized political and legitimate outside
elements is the creation and change of expenses. As a business,
you truly have no influence over the amount of cash the
administration chooses to duty you for specific things. What's
more, as a business, you are relied upon to take after the laws
when diverse changes and charges are presented. You should
take charges and other lawful changes into thought when you
are making a business spending plan.
Social outside impacts: There are likewise numerous social
variables that additionally can go about as outer impacts on
your business spending plan. For instance, an adjustment in way
of life examples or in conduct can influence the way that
individuals choose to spend their cash. What's more, an
adjustment in the populace can likewise have an outer effect on
the business spending plan. Numerous things can influence the
adjustment in populace in a region too, for example, the
bringing down or ascending of the average cost for basic items,
and so on.
Technological outside impacts: There likewise could be
innovative outer impacts which could have an effect on your
business spending plan. For instance, achievements in new

3. innovation could the greater part of-the-sudden put your
business as a second thought of your specific kind of business.
You will need to adjust for the obtaining and execution of new
innovation inside of your business spending plan if your
financial plan is firmly tied with innovation.
Economic outside impacts: There are likewise monetary
components which you might need to think about also in your
business spending plan, especially if your business is vigorously
associated with the share trading system. Changes in the stock
exchange and stock costs truly are not something that your
business can control an excessive amount of - numerous outside
changes influence money markets too.
There are a wide range of sorts of outside impacts on a business
spending plan. Some of these progressions are expected by
taking a gander at current patterns, however some of them might
hit you as a complete amazement at some time. The best thing
to do to get ready for outside impacts is give your business a
tiny bit of space room while making and adjusting your business
spending plans. Along these lines, you will have the capacity to
ensure that you have the cash important to handle these
circumstances and keep your business above water. On the off
chance that you are readied to manage outer impacts, then you
will be arranged for any of the essential changes and
misfortunes/income that may be made for your business.
Reference
Luoise, B. (2015). What Are the Factors for Preparing a
Budget?. Retrived from
http://www.ehow.com/info_7753539_factors-preparing-
budget.html.

4. Month 1Every Penny Counts Journal: Month 1
-: -:Input your data for Month 1. To get a three-month financial
blueprint, click on the tabs at the bottom of the screen and
continue inputing data for Month 2 and 3. The 3-Month Total
worksheet will give you an overall view of your numbers.Days
of the MonthDaily Expenses
-: -:Daily Expenses. The goal is to paint as complete a money
picture as possible for the next month. You'll do that by
tracking your spending in this daily expenses section of the
spreadsheet. Wherever your day takes you, whatever you do,
input the amount you spend on everything from gas to snacks.
The amounts for each day and each daily expense will be
calculated for you.
DAY 1DAY 2DAY 3DAY 4DAY 5DAY 6DAY 7DAY 8DAY
9DAY 10DAY 11DAY 12DAY 13DAY 14DAY 15DAY 16DAY
17DAY 18DAY 19DAY 20DAY 21DAY 22DAY 23DAY
24DAY 25DAY 26DAY 27DAY 28DAY 29DAY 30DAY
31Grand Total for Daily Expenses
-: -:This column totals your daily expenses for the month, so
you can see what you spend total on each daily
expense.Breakfast$0.00Snacks$0.00Gasoline/Oil$0.00Laundry/
Dry
Cleaning$0.00Parking$0.00Newspaper/Magazine$0.00Other$0.0
0Lunch$0.00Snacks/Pop$0.00Beauty/Barber$0.00Books$0.00Ci
garettes/Alcohol$0.00Clothing/Shoes$0.00Gifts$0.00Household
(cleaning supplies, etc.)$0.00Groceries$0.00Gym$0.00Hardware
Store$0.00Hobbies/Sports$0.00Pets$0.00Postage$0.00Dinner$0.
00Dessert$0.00Family
Outing$0.00Dates$0.00Movie/Theatre$0.00Nightclub/Bar$0.00
Video Rental$0.00Other Entertainment$0.00Other 1$0.00Other
2$0.00Other 3$0.00Grand Total for the Day

5. -: -:Grand Total for the Day. This row adds your daily expenses
for each day of the month, so you can see what you spend total
each
day.$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.0
0$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$
0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00
-: -:This amount is the total daily expenses for a one-month
period.
Monthly Fixed Expenses
-: -:Monthly Fixed Expenses. This section of the spreadsheet is
for tracking all the big-ticket items, such as utilities, insurance,
and mortgage payments. Input amounts for each item during the
month. The total amount for the month will be calculated for
you.
TotalRent/MortgageSecond MortgageUtilities-ElectricUtilities-
GasWater/SewerGarbageCar Payment #1Car Payment #2Car
InsuranceOther LoanStudent LoanCable
TVNewspaperTelephone (Land line)Telephone (Long
Distance)Cell PhoneInternet ConnectionChild CareHealth
InsuranceMedical ExpensesPrescriptionsCredit Card #1Credit
Card #2Credit Card #3Late ChargesBank FeesOther 1Other
2Other 3Total Monthly Expenses
-: -:Total Monthly Expenses. This row adds your monthly
expenses.
-: -:Monthly Fixed Expenses. This section of the spreadsheet is
for tracking all the big-ticket items, such as utilities, insurance,
and mortgage payments. Input amounts for each item during the
month. The total amount for the month will be calculated for
you.
$0.00Total Daily Expenses$0.00Total Monthly
Expenses$0.00Grand Total Expenses for Month (total daily

6. expenses + total monthly expenses) =$0.00Net Take-home Pay
for Month
-: -: Income? - Input the amount of money you actually deposit
in your checking account each pay period.
Pay Period 1Pay Period 2Pay Period 3Total Net Take-home Pay
for Month$0.00Net take-home pay - grand total expenses for
month $0.00
Month 2Every Penny Counts Journal: Month 2
-: -:Input your data for Month 1. To get a three-month financial
blueprint, click on the tabs at the bottom of the screen and
continue inputing data for Month 2 and 3. The 3-Month Total
worksheet will give you an overall view of your numbers.Days
of the MonthDaily Expenses
-: -:Daily Expenses. The goal is to paint as complete a money
picture as possible for the next month. You'll do that by
tracking your spending in this daily expenses section of the
spreadsheet. Wherever your day takes you, whatever you do,
input the amount you spend on everything from gas to snacks.
The amounts for each day and each daily expense will be
calculated for you.
DAY 1DAY 2DAY 3DAY 4DAY 5DAY 6DAY 7DAY 8DAY
9DAY 10DAY 11DAY 12DAY 13DAY 14DAY 15DAY 16DAY
17DAY 18DAY 19DAY 20DAY 21DAY 22DAY 23DAY
24DAY 25DAY 26DAY 27DAY 28DAY 29DAY 30DAY
31Grand Total for Daily Expenses
-: -:This column totals your daily expenses for the month, so
you can see what you spend total on each daily
expense.Breakfast$0.00Snacks$0.00Gasoline/Oil$0.00Laundry/
Dry
Cleaning$0.00Parking$0.00Newspaper/Magazine$0.00Other$0.0
0Lunch$0.00Snacks/Pop$0.00Beauty/Barber$0.00Books$0.00Ci
garettes/Alcohol$0.00Clothing/Shoes$0.00Gifts$0.00Household

7. (cleaning supplies, etc.)$0.00Groceries$0.00Gym$0.00Hardware
Store$0.00Hobbies/Sports$0.00Pets$0.00Postage$0.00Dinner$0.
00Dessert$0.00Family
Outing$0.00Dates$0.00Movie/Theatre$0.00Nightclub/Bar$0.00
Video Rental$0.00Other Entertainment$0.00Other 1$0.00Other
2$0.00Other 3$0.00Grand Total for the Day
-: -:Grand Total for the Day. This row adds your daily expenses
for each day of the month, so you can see what you spend total
each
day.$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.0
0$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$
0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00
-: -:This amount is the total daily expenses for a one-month
period.
Monthly Fixed Expenses
-: -:Monthly Fixed Expenses. This section of the spreadsheet is
for tracking all the big-ticket items, such as utilities, insurance,
and mortgage payments. Input amounts for each item during the
month. The total amount for the month will be calculated for
you.
TotalRent/MortgageSecond MortgageUtilities-ElectricUtilities-
GasWater/SewerGarbageCar Payment #1Car Payment #2Car
InsuranceOther LoanStudent LoanCable
TVNewspaperTelephone (Land line)Telephone (Long
Distance)Cell PhoneInternet ConnectionChild CareHealth
InsuranceMedical ExpensesPrescriptionsCredit Card #1Credit
Card #2Credit Card #3Late ChargesBank FeesOther 1Other
2Other 3Total Monthly Expenses
-: -:Total Monthly Expenses. This row adds your monthly
expenses.

8. -: -:Monthly Fixed Expenses. This section of the spreadsheet is
for tracking all the big-ticket items, such as utilities, insurance,
and mortgage payments. Input amounts for each item during the
month. The total amount for the month will be calculated for
you.
$0.00Total Daily Expenses$0.00Total Monthly
Expenses$0.00Grand Total Expenses for Month (total daily
expenses + total monthly expenses) =$0.00Net Take-home Pay
for MonthPay Period 1Pay Period 2Pay Period 3Total Net Take-
home Pay for Month$0.00Net take-home pay - grand total
expenses for month $0.00
Month 3Every Penny Counts Journal: Month 3
-: -:Input your data for Month 1. To get a three-month financial
blueprint, click on the tabs at the bottom of the screen and
continue inputing data for Month 2 and 3. The 3-Month Total
worksheet will give you an overall view of your numbers.Days
of the MonthDaily Expenses
-: -:Daily Expenses. The goal is to paint as complete a money
picture as possible for the next month. You'll do that by
tracking your spending in this daily expenses section of the
spreadsheet. Wherever your day takes you, whatever you do,
input the amount you spend on everything from gas to snacks.
The amounts for each day and each daily expense will be
calculated for you.
DAY 1DAY 2DAY 3DAY 4DAY 5DAY 6DAY 7DAY 8DAY
9DAY 10DAY 11DAY 12DAY 13DAY 14DAY 15DAY 16DAY
17DAY 18DAY 19DAY 20DAY 21DAY 22DAY 23DAY
24DAY 25DAY 26DAY 27DAY 28DAY 29DAY 30DAY
31Grand Total for Daily Expenses
-: -:This column totals your daily expenses for the month, so
you can see what you spend total on each daily
expense.Breakfast$0.00Snacks$0.00Gasoline/Oil$0.00Laundry/
Dry

9. Cleaning$0.00Parking$0.00Newspaper/Magazine$0.00Other$0.0
0Lunch$0.00Snacks/Pop$0.00Beauty/Barber$0.00Books$0.00Ci
garettes/Alcohol$0.00Clothing/Shoes$0.00Gifts$0.00Household
(cleaning supplies, etc.)$0.00Groceries$0.00Gym$0.00Hardware
Store$0.00Hobbies/Sports$0.00Pets$0.00Postage$0.00Dinner$0.
00Dessert$0.00Family
Outing$0.00Dates$0.00Movie/Theatre$0.00Nightclub/Bar$0.00
Video Rental$0.00Other Entertainment$0.00Other 1$0.00Other
2$0.00Other 3$0.00Grand Total for the Day
-: -:Grand Total for the Day. This row adds your daily expenses
for each day of the month, so you can see what you spend total
each
day.$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.0
0$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$
0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00
-: -:This amount is the total daily expenses for a one-month
period.
Monthly Fixed Expenses
-: -:Monthly Fixed Expenses. This section of the spreadsheet is
for tracking all the big-ticket items, such as utilities, insurance,
and mortgage payments. Input amounts for each item during the
month. The total amount for the month will be calculated for
you.
TotalRent/MortgageSecond MortgageUtilities-ElectricUtilities-
GasWater/SewerGarbageCar Payment #1Car Payment #2Car
InsuranceOther LoanStudent LoanCable
TVNewspaperTelephone (Land line)Telephone (Long
Distance)Cell PhoneInternet ConnectionChild CareHealth
InsuranceMedical ExpensesPrescriptionsCredit Card #1Credit
Card #2Credit Card #3Late ChargesBank FeesOther 1Other
2Other 3Total Monthly Expenses
-: -:Total Monthly Expenses. This row adds your monthly

10. expenses.
-: -:Monthly Fixed Expenses. This section of the spreadsheet is
for tracking all the big-ticket items, such as utilities, insurance,
and mortgage payments. Input amounts for each item during the
month. The total amount for the month will be calculated for
you.
$0.00Total Daily Expenses$0.00Total Monthly
Expenses$0.00Grand Total Expenses for Month (total daily
expenses + total monthly expenses) =$0.00Net Take-home Pay
for MonthPay Period 1Pay Period 2Pay Period 3Total Net Take-
home Pay for Month$0.00Net take-home pay - grand total
expenses for month $0.00
TotalsEvery Penny Counts Diary Totals
-: -:Input your data for Month 1. To get a three-month financial
blueprint, click on the tabs at the bottom of the screen and
continue inputing data for Month 2 and 3. The 3-Month Total
worksheet will give you an overall view of your numbers.Total
Daily ExpensesTotal Monthly ExpensesTotal Daily plus
Monthly ExpensesTotal Net Take-home Pay"The Big Picture"
(net take-home pay - grand total for month)Month
1$0.00$0.00$0.00$0.00$0.00Month
2$0.00$0.00$0.00$0.00$0.00Month
3$0.00$0.00$0.00$0.00$0.00Total$0.00$0.00$0.00$0.00$0.00
Year budgetPersonal
budgetJanFebMarchAprilMayJuneJulyAugSeptOctNovDecYearI
NCOMEWages0.000.000.000.000.000.000.000.000.000.000.000.
000.00TipsInterest/dividends0.000.000.000.000.000.000.000.00
0.000.000.000.000.00Miscellaneous0.000.000.000.000.000.000.
000.000.000.000.000.000.00Income
totals0.000.000.000.000.000.000.000.000.000.000.000.000.00E
XPENSESHomeMortgage/rent0.000.000.000.000.000.000.000.0
00.000.000.000.000.00Utilities0.000.000.000.000.000.000.000.0

11. 00.000.000.000.000.00Telephone0.000.000.000.000.000.000.00
0.000.000.000.000.000.00Home
repairs0.000.000.000.000.000.000.000.000.000.000.000.000.00
Home
totals0.000.000.000.000.000.000.000.000.000.000.000.000.00Da
ily livingGroceries
0.000.000.000.000.000.000.000.000.000.000.000.000.00Dryclea
ning0.000.000.000.000.000.000.000.000.000.000.000.000.00Din
ing
out0.000.000.000.000.000.000.000.000.000.000.000.000.00Dail
y living
totals0.000.000.000.000.000.000.000.000.000.000.000.000.00Tr
ansportationGas/fuel0.000.000.000.000.000.000.000.000.000.00
0.000.000.00Insurance0.000.000.000.000.000.000.000.000.000.
000.000.000.00Repairs0.000.000.000.000.000.000.000.000.000.
000.000.000.00Car wash/detailing
services0.000.000.000.000.000.000.000.000.000.000.000.000.00
Parking0.000.000.000.000.000.000.000.000.000.000.000.000.00
Public
transportation0.000.000.000.000.000.000.000.000.000.000.000.
000.00Transportation
totals0.000.000.000.000.000.000.000.000.000.000.000.000.00En
tertainmentCable
TV0.000.000.000.000.000.000.000.000.000.000.000.000.00Inter
netVideo/DVD
rentals0.000.000.000.000.000.000.000.000.000.000.000.000.00
Movies/plays0.000.000.000.000.000.000.000.000.000.000.000.0
00.00Concerts/clubs0.000.000.000.000.000.000.000.000.000.00
0.000.000.00Entertainment
totals0.000.000.000.000.000.000.000.000.000.000.000.000.00He
althHealth club
dues0.000.000.000.000.000.000.000.000.000.000.000.000.00Ins
urance0.000.000.000.000.000.000.000.000.000.000.000.000.00P
rescriptions0.000.000.000.000.000.000.000.000.000.000.000.00
0.00Over-the-counter
drugs0.000.000.000.000.000.000.000.000.000.000.000.000.00Co

12. -payments/out-of-
pocket0.000.000.000.000.000.000.000.000.000.000.000.000.00V
eterinarians/pet
medicines0.000.000.000.000.000.000.000.000.000.000.000.000.
00Life
insurance0.000.000.000.000.000.000.000.000.000.000.000.000.0
0Health
totals0.000.000.000.000.000.000.000.000.000.000.000.000.00Va
cationsPlane
fare0.000.000.000.000.000.000.000.000.000.000.000.000.00Acc
ommodations0.000.000.000.000.000.000.000.000.000.000.000.0
00.00Food0.000.000.000.000.000.000.000.000.000.000.000.000.
00Souvenirs0.000.000.000.000.000.000.000.000.000.000.000.00
0.00Rental
car0.000.000.000.000.000.000.000.000.000.000.000.000.00Vaca
tions
totals0.000.000.000.000.000.000.000.000.000.000.000.000.00Sc
hoolTuition0.000.000.000.000.000.000.000.000.000.000.000.00
0.00Lab
Fees0.000.000.000.000.000.000.000.000.000.000.000.000.00Oth
er
Fees0.000.000.000.000.000.000.000.000.000.000.000.000.00Bo
oks0.000.000.000.000.000.000.000.000.000.000.000.000.00Scho
ol
totals0.000.000.000.000.000.000.000.000.000.000.000.000.00D
ues/subscriptionsMagazines0.000.000.000.000.000.000.000.000.
000.000.000.000.00Newspapers0.000.000.000.000.000.000.000.
000.000.000.000.000.00Internet
connection0.000.000.000.000.000.000.000.000.000.000.000.000
.00Public
radio0.000.000.000.000.000.000.000.000.000.000.000.000.00Pu
blic
television0.000.000.000.000.000.000.000.000.000.000.000.000.
00Religious
organizations0.000.000.000.000.000.000.000.000.000.000.000.0
00.00Charity0.000.000.000.000.000.000.000.000.000.000.000.0

13. 00.00Dues/subscription
totals0.000.000.000.000.000.000.000.000.000.000.000.000.00Pe
rsonalClothing0.000.000.000.000.000.000.000.000.000.000.000.
000.00Gifts0.000.000.000.000.000.000.000.000.000.000.000.00
0.00Salon/barber0.000.000.000.000.000.000.000.000.000.000.0
00.000.00Books0.000.000.000.000.000.000.000.000.000.000.00
0.000.00Music (CDs,
etc.)0.000.000.000.000.000.000.000.000.000.000.000.000.00Per
sonal
totals0.000.000.000.000.000.000.000.000.000.000.000.000.00Fi
nancial obligationsLong-term
savings0.000.000.000.000.000.000.000.000.000.000.000.000.00
Retirement (401[k], Roth
IRA)0.000.000.000.000.000.000.000.000.000.000.000.000.00Cr
edit card
payments0.000.000.000.000.000.000.000.000.000.000.000.000.0
0Income tax
(additional)0.000.000.000.000.000.000.000.000.000.000.000.00
0.00Other
obligations0.000.000.000.000.000.000.000.000.000.000.000.000
.00Financial obligation
totals0.000.000.000.000.000.000.000.000.000.000.000.000.00Mi
sc. payments
Other0.000.000.000.000.000.000.000.000.000.000.000.000.00
Other0.000.000.000.000.000.000.000.000.000.000.000.000.00
Other0.000.000.000.000.000.000.000.000.000.000.000.000.00
Other0.000.000.000.000.000.000.000.000.000.000.000.000.00
Other0.000.000.000.000.000.000.000.000.000.000.000.000.00M
isc. payments
totals0.000.000.000.000.000.000.000.000.000.000.000.000.00To
tal
expenses0.000.000.000.000.000.000.000.000.000.000.000.000.0
0Cash
short/extra0.000.000.000.000.000.000.000.000.000.000.000.000
.00
Jan January Worksheet

14. ProjectedActualDifferenceINCOMEWages0.000.000.00Tips0.00
Interest/dividends0.000.000.00Miscellaneous0.000.000.00Incom
e
totals0.000.000.00EXPENSESHomeMortgage/rent0.000.000.00
Utilities0.000.000.00Telephone0.000.000.00Home
repairs0.000.000.00Home totals0.000.000.00Daily
livingGroceries 0.000.000.00Drycleaning0.000.000.00Dining
out0.000.000.00Daily living
totals0.000.000.00TransportationGas/fuel0.000.000.00Insurance
0.000.000.00Repairs0.000.000.00Car wash/detailing
services0.000.000.00Parking0.000.000.00Public
transportation0.000.000.00Transportation
totals0.000.000.00EntertainmentCable
TV0.000.000.00Internet0.00Video/DVD
rentals0.000.000.00Movies/plays0.000.000.00Concerts/clubs0.0
00.000.00Entertainment totals0.000.000.00HealthHealth club
dues0.000.000.00Insurance0.000.000.00Prescriptions0.000.000.
00Over-the-counter drugs0.000.000.00Co-payments/out-of-
pocket0.000.000.00Veterinarians/pet
medicines0.000.000.00Life insurance0.000.000.00Health
totals0.000.000.00VacationsPlane
fare0.000.000.00Accommodations0.000.000.00Food0.000.000.0
0Souvenirs0.000.000.00Rental car0.000.000.00Vacations
totals0.000.000.00SchoolTuition0.000.000.00Lab
Fees0.000.000.00Other
Fees0.000.000.00Books0.000.000.00School
totals0.000.000.00Dues/subscriptionsMagazines0.000.000.00Ne
wspapers0.000.000.00Internet connection0.000.000.00Public
radio0.000.000.00Public television0.000.000.00Religious
organizations0.000.000.00Charity0.000.000.00Dues/subscriptio
n
totals0.000.000.00PersonalClothing0.000.000.00Gifts0.000.000.
00Salon/barber0.000.000.00Books0.000.000.00Music (CDs,
etc.)0.000.000.00Personal totals0.000.000.00Financial
obligationsLong-term savings0.000.000.00Retirement (401[k],
Roth IRA)0.000.000.00Credit card

15. payments0.000.000.00Income tax (additional)0.000.000.00Other
obligations0.000.000.00Financial obligation
totals0.000.000.00Misc. payments Other0.000.000.00
Other0.000.000.00 Other0.000.000.00 Other0.000.000.00
Other0.000.000.00Misc. payments totals0.000.000.00Total
expenses0.000.000.00Cash short/extra0.000.000.00
Feb February Worksheet
ProjectedActualDifferenceINCOMEWages0.000.000.00Tips0.00
Interest/dividends0.000.000.00Miscellaneous0.000.000.00Incom
e
totals0.000.000.00EXPENSESHomeMortgage/rent0.000.000.00
Utilities0.000.000.00Telephone0.000.000.00Home
repairs0.000.000.00Home totals0.000.000.00Daily
livingGroceries 0.000.000.00Drycleaning0.000.000.00Dining
out0.000.000.00Daily living
totals0.000.000.00TransportationGas/fuel0.000.000.00Insurance
0.000.000.00Repairs0.000.000.00Car wash/detailing
services0.000.000.00Parking0.000.000.00Public
transportation0.000.000.00Transportation
totals0.000.000.00EntertainmentCable
TV0.000.000.00Internet0.00Video/DVD
rentals0.000.000.00Movies/plays0.000.000.00Concerts/clubs0.0
00.000.00Entertainment totals0.000.000.00HealthHealth club
dues0.000.000.00Insurance0.000.000.00Prescriptions0.000.000.
00Over-the-counter drugs0.000.000.00Co-payments/out-of-
pocket0.000.000.00Veterinarians/pet
medicines0.000.000.00Life insurance0.000.000.00Health
totals0.000.000.00VacationsPlane
fare0.000.000.00Accommodations0.000.000.00Food0.000.000.0
0Souvenirs0.000.000.00Rental car0.000.000.00Vacations
totals0.000.000.00SchoolTuition0.000.000.00Lab
Fees0.000.000.00Other
Fees0.000.000.00Books0.000.000.00School
totals0.000.000.00Dues/subscriptionsMagazines0.000.000.00Ne
wspapers0.000.000.00Internet connection0.000.000.00Public
radio0.000.000.00Public television0.000.000.00Religious

16. organizations0.000.000.00Charity0.000.000.00Dues/subscriptio
n
totals0.000.000.00PersonalClothing0.000.000.00Gifts0.000.000.
00Salon/barber0.000.000.00Books0.000.000.00Music (CDs,
etc.)0.000.000.00Personal totals0.000.000.00Financial
obligationsLong-term savings0.000.000.00Retirement (401[k],
Roth IRA)0.000.000.00Credit card
payments0.000.000.00Income tax (additional)0.000.000.00Other
obligations0.000.000.00Financial obligation
totals0.000.000.00Misc. payments Other0.000.000.00
Other0.000.000.00 Other0.000.000.00 Other0.000.000.00
Other0.000.000.00Misc. payments totals0.000.000.00Total
expenses0.000.000.00Cash short/extra0.000.000.00
Mar March Worksheet
ProjectedActualDifferenceINCOMEWages0.000.000.00Tips0.00
Interest/dividends0.000.000.00Miscellaneous0.000.000.00Incom
e
totals0.000.000.00EXPENSESHomeMortgage/rent0.000.000.00
Utilities0.000.000.00Telephone0.000.000.00Home
repairs0.000.000.00Home totals0.000.000.00Daily
livingGroceries 0.000.000.00Drycleaning0.000.000.00Dining
out0.000.000.00Daily living
totals0.000.000.00TransportationGas/fuel0.000.000.00Insurance
0.000.000.00Repairs0.000.000.00Car wash/detailing
services0.000.000.00Parking0.000.000.00Public
transportation0.000.000.00Transportation
totals0.000.000.00EntertainmentCable
TV0.000.000.00Internet0.00Video/DVD
rentals0.000.000.00Movies/plays0.000.000.00Concerts/clubs0.0
00.000.00Entertainment totals0.000.000.00HealthHealth club
dues0.000.000.00Insurance0.000.000.00Prescriptions0.000.000.
00Over-the-counter drugs0.000.000.00Co-payments/out-of-
pocket0.000.000.00Veterinarians/pet
medicines0.000.000.00Life insurance0.000.000.00Health
totals0.000.000.00VacationsPlane
fare0.000.000.00Accommodations0.000.000.00Food0.000.000.0

17. 0Souvenirs0.000.000.00Rental car0.000.000.00Vacations
totals0.000.000.00SchoolTuition0.000.000.00Lab
Fees0.000.000.00Other
Fees0.000.000.00Books0.000.000.00School
totals0.000.000.00Dues/subscriptionsMagazines0.000.000.00Ne
wspapers0.000.000.00Internet connection0.000.000.00Public
radio0.000.000.00Public television0.000.000.00Religious
organizations0.000.000.00Charity0.000.000.00Dues/subscriptio
n
totals0.000.000.00PersonalClothing0.000.000.00Gifts0.000.000.
00Salon/barber0.000.000.00Books0.000.000.00Music (CDs,
etc.)0.000.000.00Personal totals0.000.000.00Financial
obligationsLong-term savings0.000.000.00Retirement (401[k],
Roth IRA)0.000.000.00Credit card
payments0.000.000.00Income tax (additional)0.000.000.00Other
obligations0.000.000.00Financial obligation
totals0.000.000.00Misc. payments Other0.000.000.00
Other0.000.000.00 Other0.000.000.00 Other0.000.000.00
Other0.000.000.00Misc. payments totals0.000.000.00Total
expenses0.000.000.00Cash short/extra0.000.000.00
AprilApril Worksheet
ProjectedActualDifferenceINCOMEWages0.000.000.00Tips0.00
Interest/dividends0.000.000.00Miscellaneous0.000.000.00Incom
e
totals0.000.000.00EXPENSESHomeMortgage/rent0.000.000.00
Utilities0.000.000.00Telephone0.000.000.00Home
repairs0.000.000.00Home totals0.000.000.00Daily
livingGroceries 0.000.000.00Drycleaning0.000.000.00Dining
out0.000.000.00Daily living
totals0.000.000.00TransportationGas/fuel0.000.000.00Insurance
0.000.000.00Repairs0.000.000.00Car wash/detailing
services0.000.000.00Parking0.000.000.00Public
transportation0.000.000.00Transportation
totals0.000.000.00EntertainmentCable
TV0.000.000.00Internet0.00Video/DVD
rentals0.000.000.00Movies/plays0.000.000.00Concerts/clubs0.0

18. 00.000.00Entertainment totals0.000.000.00HealthHealth club
dues0.000.000.00Insurance0.000.000.00Prescriptions0.000.000.
00Over-the-counter drugs0.000.000.00Co-payments/out-of-
pocket0.000.000.00Veterinarians/pet
medicines0.000.000.00Life insurance0.000.000.00Health
totals0.000.000.00VacationsPlane
fare0.000.000.00Accommodations0.000.000.00Food0.000.000.0
0Souvenirs0.000.000.00Rental car0.000.000.00Vacations
totals0.000.000.00SchoolTuition0.000.000.00Lab
Fees0.000.000.00Other
Fees0.000.000.00Books0.000.000.00School
totals0.000.000.00Dues/subscriptionsMagazines0.000.000.00Ne
wspapers0.000.000.00Internet connection0.000.000.00Public
radio0.000.000.00Public television0.000.000.00Religious
organizations0.000.000.00Charity0.000.000.00Dues/subscriptio
n
totals0.000.000.00PersonalClothing0.000.000.00Gifts0.000.000.
00Salon/barber0.000.000.00Books0.000.000.00Music (CDs,
etc.)0.000.000.00Personal totals0.000.000.00Financial
obligationsLong-term savings0.000.000.00Retirement (401[k],
Roth IRA)0.000.000.00Credit card
payments0.000.000.00Income tax (additional)0.000.000.00Other
obligations0.000.000.00Financial obligation
totals0.000.000.00Misc. payments Other0.000.000.00
Other0.000.000.00 Other0.000.000.00 Other0.000.000.00
Other0.000.000.00Misc. payments totals0.000.000.00Total
expenses0.000.000.00Cash short/extra0.000.000.00
MayMay Worksheet
ProjectedActualDifferenceINCOMEWages0.000.000.00Tips0.00
Interest/dividends0.000.000.00Miscellaneous0.000.000.00Incom
e
totals0.000.000.00EXPENSESHomeMortgage/rent0.000.000.00
Utilities0.000.000.00Telephone0.000.000.00Home
repairs0.000.000.00Home totals0.000.000.00Daily
livingGroceries 0.000.000.00Drycleaning0.000.000.00Dining
out0.000.000.00Daily living

19. totals0.000.000.00TransportationGas/fuel0.000.000.00Insurance
0.000.000.00Repairs0.000.000.00Car wash/detailing
services0.000.000.00Parking0.000.000.00Public
transportation0.000.000.00Transportation
totals0.000.000.00EntertainmentCable
TV0.000.000.00Internet0.00Video/DVD
rentals0.000.000.00Movies/plays0.000.000.00Concerts/clubs0.0
00.000.00Entertainment totals0.000.000.00HealthHealth club
dues0.000.000.00Insurance0.000.000.00Prescriptions0.000.000.
00Over-the-counter drugs0.000.000.00Co-payments/out-of-
pocket0.000.000.00Veterinarians/pet
medicines0.000.000.00Life insurance0.000.000.00Health
totals0.000.000.00VacationsPlane
fare0.000.000.00Accommodations0.000.000.00Food0.000.000.0
0Souvenirs0.000.000.00Rental car0.000.000.00Vacations
totals0.000.000.00SchoolTuition0.000.000.00Lab
Fees0.000.000.00Other
Fees0.000.000.00Books0.000.000.00School
totals0.000.000.00Dues/subscriptionsMagazines0.000.000.00Ne
wspapers0.000.000.00Internet connection0.000.000.00Public
radio0.000.000.00Public television0.000.000.00Religious
organizations0.000.000.00Charity0.000.000.00Dues/subscriptio
n
totals0.000.000.00PersonalClothing0.000.000.00Gifts0.000.000.
00Salon/barber0.000.000.00Books0.000.000.00Music (CDs,
etc.)0.000.000.00Personal totals0.000.000.00Financial
obligationsLong-term savings0.000.000.00Retirement (401[k],
Roth IRA)0.000.000.00Credit card
payments0.000.000.00Income tax (additional)0.000.000.00Other
obligations0.000.000.00Financial obligation
totals0.000.000.00Misc. payments Other0.000.000.00
Other0.000.000.00 Other0.000.000.00 Other0.000.000.00
Other0.000.000.00Misc. payments totals0.000.000.00Total
expenses0.000.000.00Cash short/extra0.000.000.00
JunJune Worksheet
ProjectedActualDifferenceINCOMEWages0.000.000.00Tips0.00

20. Interest/dividends0.000.000.00Miscellaneous0.000.000.00Incom
e
totals0.000.000.00EXPENSESHomeMortgage/rent0.000.000.00
Utilities0.000.000.00Telephone0.000.000.00Home
repairs0.000.000.00Home totals0.000.000.00Daily
livingGroceries 0.000.000.00Drycleaning0.000.000.00Dining
out0.000.000.00Daily living
totals0.000.000.00TransportationGas/fuel0.000.000.00Insurance
0.000.000.00Repairs0.000.000.00Car wash/detailing
services0.000.000.00Parking0.000.000.00Public
transportation0.000.000.00Transportation
totals0.000.000.00EntertainmentCable
TV0.000.000.00Internet0.00Video/DVD
rentals0.000.000.00Movies/plays0.000.000.00Concerts/clubs0.0
00.000.00Entertainment totals0.000.000.00HealthHealth club
dues0.000.000.00Insurance0.000.000.00Prescriptions0.000.000.
00Over-the-counter drugs0.000.000.00Co-payments/out-of-
pocket0.000.000.00Veterinarians/pet
medicines0.000.000.00Life insurance0.000.000.00Health
totals0.000.000.00VacationsPlane
fare0.000.000.00Accommodations0.000.000.00Food0.000.000.0
0Souvenirs0.000.000.00Rental car0.000.000.00Vacations
totals0.000.000.00SchoolTuition0.000.000.00Lab
Fees0.000.000.00Other
Fees0.000.000.00Books0.000.000.00School
totals0.000.000.00Dues/subscriptionsMagazines0.000.000.00Ne
wspapers0.000.000.00Internet connection0.000.000.00Public
radio0.000.000.00Public television0.000.000.00Religious
organizations0.000.000.00Charity0.000.000.00Dues/subscriptio
n
totals0.000.000.00PersonalClothing0.000.000.00Gifts0.000.000.
00Salon/barber0.000.000.00Books0.000.000.00Music (CDs,
etc.)0.000.000.00Personal totals0.000.000.00Financial
obligationsLong-term savings0.000.000.00Retirement (401[k],
Roth IRA)0.000.000.00Credit card
payments0.000.000.00Income tax (additional)0.000.000.00Other

21. obligations0.000.000.00Financial obligation
totals0.000.000.00Misc. payments Other0.000.000.00
Other0.000.000.00 Other0.000.000.00 Other0.000.000.00
Other0.000.000.00Misc. payments totals0.000.000.00Total
expenses0.000.000.00Cash short/extra0.000.000.00
JulyJuly Worksheet
ProjectedActualDifferenceINCOMEWages0.000.000.00Tips0.00
Interest/dividends0.000.000.00Miscellaneous0.000.000.00Incom
e
totals0.000.000.00EXPENSESHomeMortgage/rent0.000.000.00
Utilities0.000.000.00Telephone0.000.000.00Home
repairs0.000.000.00Home totals0.000.000.00Daily
livingGroceries 0.000.000.00Drycleaning0.000.000.00Dining
out0.000.000.00Daily living
totals0.000.000.00TransportationGas/fuel0.000.000.00Insurance
0.000.000.00Repairs0.000.000.00Car wash/detailing
services0.000.000.00Parking0.000.000.00Public
transportation0.000.000.00Transportation
totals0.000.000.00EntertainmentCable
TV0.000.000.00Internet0.00Video/DVD
rentals0.000.000.00Movies/plays0.000.000.00Concerts/clubs0.0
00.000.00Entertainment totals0.000.000.00HealthHealth club
dues0.000.000.00Insurance0.000.000.00Prescriptions0.000.000.
00Over-the-counter drugs0.000.000.00Co-payments/out-of-
pocket0.000.000.00Veterinarians/pet
medicines0.000.000.00Life insurance0.000.000.00Health
totals0.000.000.00VacationsPlane
fare0.000.000.00Accommodations0.000.000.00Food0.000.000.0
0Souvenirs0.000.000.00Rental car0.000.000.00Vacations
totals0.000.000.00SchoolTuition0.000.000.00Lab
Fees0.000.000.00Other
Fees0.000.000.00Books0.000.000.00School
totals0.000.000.00Dues/subscriptionsMagazines0.000.000.00Ne
wspapers0.000.000.00Internet connection0.000.000.00Public
radio0.000.000.00Public television0.000.000.00Religious
organizations0.000.000.00Charity0.000.000.00Dues/subscriptio

22. n
totals0.000.000.00PersonalClothing0.000.000.00Gifts0.000.000.
00Salon/barber0.000.000.00Books0.000.000.00Music (CDs,
etc.)0.000.000.00Personal totals0.000.000.00Financial
obligationsLong-term savings0.000.000.00Retirement (401[k],
Roth IRA)0.000.000.00Credit card
payments0.000.000.00Income tax (additional)0.000.000.00Other
obligations0.000.000.00Financial obligation
totals0.000.000.00Misc. payments Other0.000.000.00
Other0.000.000.00 Other0.000.000.00 Other0.000.000.00
Other0.000.000.00Misc. payments totals0.000.000.00Total
expenses0.000.000.00Cash short/extra0.000.000.00
AugAugust Worksheet
ProjectedActualDifferenceINCOMEWages0.000.000.00Tips0.00
Interest/dividends0.000.000.00Miscellaneous0.000.000.00Incom
e
totals0.000.000.00EXPENSESHomeMortgage/rent0.000.000.00
Utilities0.000.000.00Telephone0.000.000.00Home
repairs0.000.000.00Home totals0.000.000.00Daily
livingGroceries 0.000.000.00Drycleaning0.000.000.00Dining
out0.000.000.00Daily living
totals0.000.000.00TransportationGas/fuel0.000.000.00Insurance
0.000.000.00Repairs0.000.000.00Car wash/detailing
services0.000.000.00Parking0.000.000.00Public
transportation0.000.000.00Transportation
totals0.000.000.00EntertainmentCable
TV0.000.000.00Internet0.00Video/DVD
rentals0.000.000.00Movies/plays0.000.000.00Concerts/clubs0.0
00.000.00Entertainment totals0.000.000.00HealthHealth club
dues0.000.000.00Insurance0.000.000.00Prescriptions0.000.000.
00Over-the-counter drugs0.000.000.00Co-payments/out-of-
pocket0.000.000.00Veterinarians/pet
medicines0.000.000.00Life insurance0.000.000.00Health
totals0.000.000.00VacationsPlane
fare0.000.000.00Accommodations0.000.000.00Food0.000.000.0
0Souvenirs0.000.000.00Rental car0.000.000.00Vacations

23. totals0.000.000.00SchoolTuition0.000.000.00Lab
Fees0.000.000.00Other
Fees0.000.000.00Books0.000.000.00School
totals0.000.000.00Dues/subscriptionsMagazines0.000.000.00Ne
wspapers0.000.000.00Internet connection0.000.000.00Public
radio0.000.000.00Public television0.000.000.00Religious
organizations0.000.000.00Charity0.000.000.00Dues/subscriptio
n
totals0.000.000.00PersonalClothing0.000.000.00Gifts0.000.000.
00Salon/barber0.000.000.00Books0.000.000.00Music (CDs,
etc.)0.000.000.00Personal totals0.000.000.00Financial
obligationsLong-term savings0.000.000.00Retirement (401[k],
Roth IRA)0.000.000.00Credit card
payments0.000.000.00Income tax (additional)0.000.000.00Other
obligations0.000.000.00Financial obligation
totals0.000.000.00Misc. payments Other0.000.000.00
Other0.000.000.00 Other0.000.000.00 Other0.000.000.00
Other0.000.000.00Misc. payments totals0.000.000.00Total
expenses0.000.000.00Cash short/extra0.000.000.00
SeptSeptember Worksheet
ProjectedActualDifferenceINCOMEWages0.000.000.00Tips0.00
Interest/dividends0.000.000.00Miscellaneous0.000.000.00Incom
e
totals0.000.000.00EXPENSESHomeMortgage/rent0.000.000.00
Utilities0.000.000.00Telephone0.000.000.00Home
repairs0.000.000.00Home totals0.000.000.00Daily
livingGroceries 0.000.000.00Drycleaning0.000.000.00Dining
out0.000.000.00Daily living
totals0.000.000.00TransportationGas/fuel0.000.000.00Insurance
0.000.000.00Repairs0.000.000.00Car wash/detailing
services0.000.000.00Parking0.000.000.00Public
transportation0.000.000.00Transportation
totals0.000.000.00EntertainmentCable
TV0.000.000.00Internet0.00Video/DVD
rentals0.000.000.00Movies/plays0.000.000.00Concerts/clubs0.0
00.000.00Entertainment totals0.000.000.00HealthHealth club

24. dues0.000.000.00Insurance0.000.000.00Prescriptions0.000.000.
00Over-the-counter drugs0.000.000.00Co-payments/out-of-
pocket0.000.000.00Veterinarians/pet
medicines0.000.000.00Life insurance0.000.000.00Health
totals0.000.000.00VacationsPlane
fare0.000.000.00Accommodations0.000.000.00Food0.000.000.0
0Souvenirs0.000.000.00Rental car0.000.000.00Vacations
totals0.000.000.00SchoolTuition0.000.000.00Lab
Fees0.000.000.00Other
Fees0.000.000.00Books0.000.000.00School
totals0.000.000.00Dues/subscriptionsMagazines0.000.000.00Ne
wspapers0.000.000.00Internet connection0.000.000.00Public
radio0.000.000.00Public television0.000.000.00Religious
organizations0.000.000.00Charity0.000.000.00Dues/subscriptio
n
totals0.000.000.00PersonalClothing0.000.000.00Gifts0.000.000.
00Salon/barber0.000.000.00Books0.000.000.00Music (CDs,
etc.)0.000.000.00Personal totals0.000.000.00Financial
obligationsLong-term savings0.000.000.00Retirement (401[k],
Roth IRA)0.000.000.00Credit card
payments0.000.000.00Income tax (additional)0.000.000.00Other
obligations0.000.000.00Financial obligation
totals0.000.000.00Misc. payments Other0.000.000.00
Other0.000.000.00 Other0.000.000.00 Other0.000.000.00
Other0.000.000.00Misc. payments totals0.000.000.00Total
expenses0.000.000.00Cash short/extra0.000.000.00
OctOctober Worksheet
ProjectedActualDifferenceINCOMEWages0.000.000.00Tips0.00
Interest/dividends0.000.000.00Miscellaneous0.000.000.00Incom
e
totals0.000.000.00EXPENSESHomeMortgage/rent0.000.000.00
Utilities0.000.000.00Telephone0.000.000.00Home
repairs0.000.000.00Home totals0.000.000.00Daily
livingGroceries 0.000.000.00Drycleaning0.000.000.00Dining
out0.000.000.00Daily living
totals0.000.000.00TransportationGas/fuel0.000.000.00Insurance

25. 0.000.000.00Repairs0.000.000.00Car wash/detailing
services0.000.000.00Parking0.000.000.00Public
transportation0.000.000.00Transportation
totals0.000.000.00EntertainmentCable
TV0.000.000.00Internet0.00Video/DVD
rentals0.000.000.00Movies/plays0.000.000.00Concerts/clubs0.0
00.000.00Entertainment totals0.000.000.00HealthHealth club
dues0.000.000.00Insurance0.000.000.00Prescriptions0.000.000.
00Over-the-counter drugs0.000.000.00Co-payments/out-of-
pocket0.000.000.00Veterinarians/pet
medicines0.000.000.00Life insurance0.000.000.00Health
totals0.000.000.00VacationsPlane
fare0.000.000.00Accommodations0.000.000.00Food0.000.000.0
0Souvenirs0.000.000.00Rental car0.000.000.00Vacations
totals0.000.000.00SchoolTuition0.000.000.00Lab
Fees0.000.000.00Other
Fees0.000.000.00Books0.000.000.00School
totals0.000.000.00Dues/subscriptionsMagazines0.000.000.00Ne
wspapers0.000.000.00Internet connection0.000.000.00Public
radio0.000.000.00Public television0.000.000.00Religious
organizations0.000.000.00Charity0.000.000.00Dues/subscriptio
n
totals0.000.000.00PersonalClothing0.000.000.00Gifts0.000.000.
00Salon/barber0.000.000.00Books0.000.000.00Music (CDs,
etc.)0.000.000.00Personal totals0.000.000.00Financial
obligationsLong-term savings0.000.000.00Retirement (401[k],
Roth IRA)0.000.000.00Credit card
payments0.000.000.00Income tax (additional)0.000.000.00Other
obligations0.000.000.00Financial obligation
totals0.000.000.00Misc. payments Other0.000.000.00
Other0.000.000.00 Other0.000.000.00 Other0.000.000.00
Other0.000.000.00Misc. payments totals0.000.000.00Total
expenses0.000.000.00Cash short/extra0.000.000.00
NovNovember Worksheet
ProjectedActualDifferenceINCOMEWages0.000.000.00Tips0.00
Interest/dividends0.000.000.00Miscellaneous0.000.000.00Incom

26. e
totals0.000.000.00EXPENSESHomeMortgage/rent0.000.000.00
Utilities0.000.000.00Telephone0.000.000.00Home
repairs0.000.000.00Home totals0.000.000.00Daily
livingGroceries 0.000.000.00Drycleaning0.000.000.00Dining
out0.000.000.00Daily living
totals0.000.000.00TransportationGas/fuel0.000.000.00Insurance
0.000.000.00Repairs0.000.000.00Car wash/detailing
services0.000.000.00Parking0.000.000.00Public
transportation0.000.000.00Transportation
totals0.000.000.00EntertainmentCable
TV0.000.000.00Internet0.00Video/DVD
rentals0.000.000.00Movies/plays0.000.000.00Concerts/clubs0.0
00.000.00Entertainment totals0.000.000.00HealthHealth club
dues0.000.000.00Insurance0.000.000.00Prescriptions0.000.000.
00Over-the-counter drugs0.000.000.00Co-payments/out-of-
pocket0.000.000.00Veterinarians/pet
medicines0.000.000.00Life insurance0.000.000.00Health
totals0.000.000.00VacationsPlane
fare0.000.000.00Accommodations0.000.000.00Food0.000.000.0
0Souvenirs0.000.000.00Rental car0.000.000.00Vacations
totals0.000.000.00SchoolTuition0.000.000.00Lab
Fees0.000.000.00Other
Fees0.000.000.00Books0.000.000.00School
totals0.000.000.00Dues/subscriptionsMagazines0.000.000.00Ne
wspapers0.000.000.00Internet connection0.000.000.00Public
radio0.000.000.00Public television0.000.000.00Religious
organizations0.000.000.00Charity0.000.000.00Dues/subscriptio
n
totals0.000.000.00PersonalClothing0.000.000.00Gifts0.000.000.
00Salon/barber0.000.000.00Books0.000.000.00Music (CDs,
etc.)0.000.000.00Personal totals0.000.000.00Financial
obligationsLong-term savings0.000.000.00Retirement (401[k],
Roth IRA)0.000.000.00Credit card
payments0.000.000.00Income tax (additional)0.000.000.00Other
obligations0.000.000.00Financial obligation

27. totals0.000.000.00Misc. payments Other0.000.000.00
Other0.000.000.00 Other0.000.000.00 Other0.000.000.00
Other0.000.000.00Misc. payments totals0.000.000.00Total
expenses0.000.000.00Cash short/extra0.000.000.00
DecDecember Worksheet
ProjectedActualDifferenceINCOMEWages0.000.000.00Tips0.00
Interest/dividends0.000.000.00Miscellaneous0.000.000.00Incom
e
totals0.000.000.00EXPENSESHomeMortgage/rent0.000.000.00
Utilities0.000.000.00Telephone0.000.000.00Home
repairs0.000.000.00Home totals0.000.000.00Daily
livingGroceries 0.000.000.00Drycleaning0.000.000.00Dining
out0.000.000.00Daily living
totals0.000.000.00TransportationGas/fuel0.000.000.00Insurance
0.000.000.00Repairs0.000.000.00Car wash/detailing
services0.000.000.00Parking0.000.000.00Public
transportation0.000.000.00Transportation
totals0.000.000.00EntertainmentCable
TV0.000.000.00Internet0.00Video/DVD
rentals0.000.000.00Movies/plays0.000.000.00Concerts/clubs0.0
00.000.00Entertainment totals0.000.000.00HealthHealth club
dues0.000.000.00Insurance0.000.000.00Prescriptions0.000.000.
00Over-the-counter drugs0.000.000.00Co-payments/out-of-
pocket0.000.000.00Veterinarians/pet
medicines0.000.000.00Life insurance0.000.000.00Health
totals0.000.000.00VacationsPlane
fare0.000.000.00Accommodations0.000.000.00Food0.000.000.0
0Souvenirs0.000.000.00Rental car0.000.000.00Vacations
totals0.000.000.00SchoolTuition0.000.000.00Lab
Fees0.000.000.00Other
Fees0.000.000.00Books0.000.000.00School
totals0.000.000.00Dues/subscriptionsMagazines0.000.000.00Ne
wspapers0.000.000.00Internet connection0.000.000.00Public
radio0.000.000.00Public television0.000.000.00Religious
organizations0.000.000.00Charity0.000.000.00Dues/subscriptio
n

28. totals0.000.000.00PersonalClothing0.000.000.00Gifts0.000.000.
00Salon/barber0.000.000.00Books0.000.000.00Music (CDs,
etc.)0.000.000.00Personal totals0.000.000.00Financial
obligationsLong-term savings0.000.000.00Retirement (401[k],
Roth IRA)0.000.000.00Credit card
payments0.000.000.00Income tax (additional)0.000.000.00Other
obligations0.000.000.00Financial obligation
totals0.000.000.00Misc. payments Other0.000.000.00
Other0.000.000.00 Other0.000.000.00 Other0.000.000.00
Other0.000.000.00Misc. payments totals0.000.000.00Total
expenses0.000.000.00Cash short/extra0.000.000.00