SAMPLE

RESERVE FUND WORKSHEET

FOR LARGE IRREGULAR OR REVOLVING EXPENSES

+-------------+---------------+-----------+-------------+-------------+
| Year        | Amount Needed | Deposit   | Paid from\  | Reserve     |
| 20\_\_\     | to\           | in\       | Reserve     | Savings     |
| Month/Date  | Cover Large\  | Reserve\  | Savings\    | Fund        |
|             | Expenses      | Savings   | Fund        | Balance     |
|             |               | Fund      |             |             |
+-------------+---------------+-----------+-------------+-------------+
| (Describe   |               |           |             | \*\*        |
| Expense     |               |           |             | \$250.00    |
| Item:)      |               |           |             |             |
+-------------+---------------+-----------+-------------+-------------+
| January\    | \$150.00      | \$191.00  | \$150.00    | \$291.00    |
| *Auto       |               |           |             |             |
| Insurance*  |               |           |             |             |
+-------------+---------------+-----------+-------------+-------------+
| February    |               | \$191.00  | \$0.00      | \$482.00    |
+-------------+---------------+-----------+-------------+-------------+
| March\      | \$57.00       | \$191.00\ | \$57.00     | \$616.00    |
| *Auto       |               | .         |             |             |
| Inspection* |               |           |             |             |
+-------------+---------------+-----------+-------------+-------------+
| April *Auto | \$150.00      | \$191.00  | \$150.00    | \$657.00    |
| Insurance*  |               |           |             |             |
+-------------+---------------+-----------+-------------+-------------+
| May\        | \$300.00      | \$191.00  | \$375.00    | \$473.00    |
| *Personal   |               |           |             |             |
| Prop.\      | \$75.00       |           |             |             |
| Gifts*      |               |           |             |             |
+-------------+---------------+-----------+-------------+-------------+
| June\       | \$300.00      | \$191.00  | \$300.00    | \$364.00    |
| *Home       |               |           |             |             |
| Repair*     |               |           |             |             |
+-------------+---------------+-----------+-------------+-------------+
| July\       | \$350.00      | \$191.00  | \$500.00    | \$55.00     |
| *Weekend    |               |           |             |             |
| Vac.\       | \$150.00      |           |             |             |
| Auto        |               |           |             |             |
| Insurance*  |               |           |             |             |
+-------------+---------------+-----------+-------------+-------------+
| August      |               | \$191.00  | \$0.00      | \$246.00    |
+-------------+---------------+-----------+-------------+-------------+
| September   | \$150.00      | \$191.00  | \$150.00    | \$287.00    |
| *Back       |               |           |             |             |
| -to-School* |               |           |             |             |
+-------------+---------------+-----------+-------------+-------------+
| October     | \$150.00      | \$191.00  | \$150.00    | \$328.00    |
| *Auto       |               |           |             |             |
| Insurance*  |               |           |             |             |
+-------------+---------------+-----------+-------------+-------------+
| November\   | \$360.00      | \$191.00  | \$460.00    | \$59.00     |
| *Christmas\ |               |           |             |             |
| Shopping\   | \$100.00      | > '       |             |             |
| Th          |               |           |             |             |
| anksgiving* |               |           |             |             |
+-------------+---------------+-----------+-------------+-------------+
| December    |               | \$191.00  |             | \$250.00    |
| *Unplanned* |               |           |             |             |
+-------------+---------------+-----------+-------------+-------------+
| Total       | \$2292.00     |           |             |             |
+-------------+---------------+-----------+-------------+-------------+

Total Large Irregular Expenses: [\$2292.00]{.underline} Divided by 12
[\$191.00]{.underline} which is the amount to be deposited in Reserve
Fund each month. Should equal balance at beginning.

\* \* A deposit should be made to open this fund. It should be equal to
or greater than the first large expense.