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- 5. Use cash, notcredit
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- 25. Monthly Income Source Job Spouse’sJob Part-Time Job Rental, Room & Board Received Commissions, Bonuses Tax Refund Government Benefits Child Support/Alimony Support from Family/Friends Personal Loans Collected Other Total Monthly Income
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- 37. Financial Goal Amount Needed TargetDate # of Pay Periods Until Due Date Savings Needed Per Pay Period A new car $14,400 36 months 72 $200
- 38. Financial Goal Amount Needed TargetDate # of Pay Periods Until Due Date Savings Needed Per Pay Period A new car $14,400 48 months 96 $150
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- 40. Add it up Totalexpenses Debt payments Goals Total monthly expenses: + + =
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- 42. Necessary Expenses CurrentProposed Housing Rent/Mortgage 2nd Mortgage Property Taxes Insurance HOA Dues Gas/Electricity Water/Sewer/Trash Telephone Food Groceries Dining Out At work/school Insurance Life Health/Dental Disability Medical Care Doctor Optometrist/Lenses Dental Prescriptions Transportation Car Payment 1 Car Payment 2 Insurance Gas/oil Repairs DMV/Smog Tolls/Parking Public Transportation Child Care Daycare/Sitting Child Support/Alimony Miscellaneous Banking Fees Laundry Other Income Taxes Prior Year Estimated Tax Payments Savings Emergency Goals Total Essential Expenses Necessary expenses
- 43. Discretionary Expenses CurrentProposed Personal Beauty/Barber Clothing/Jewelry Cosmetics Manicure/Other Entertainment Cable Movie/Video Dining Out Sports/Hobbies/Clubs Vacations/Travel Books/Magazines MP3/Concerts Miscellaneous Pet Care/Vet Gifts Cell Phone Postage Cigarettes/Alcohol Donations/Tithing Internet Access Other Total Discretionary Expenses: Discretionary expenses
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- 54. ASSOC IATION OF INDEPE NDENT CONSUMER CREDITCOUNSELIN G AGENCIES NAT IONAL HOUS ING COUNS ELING ASSOC IATION TM BBB™ HUD Approved About us Contact Us: 800.431.8456 Email: education@credit.org Twitter: www.twitter.com/CreditDotOrg Facebook: http://www.facebook.com/CreditDotOrg