Spreadsheet: 3584e5ed-2891-4f12-a4b5-87235910c047
Sheet: Sheet1

Unnamed: 0 | Unnamed: 1 | Unnamed: 2 | Unnamed: 3 | Unnamed: 4 | Unnamed: 5 | Unnamed: 6 | Unnamed: 7 | Unnamed: 8 | Unnamed: 9
 | An Overview of Your Current Financial Picture
 | Spreadsheet courtesy of MoneyWise: a division of the Care Network at North Point Ministries
 |  |  |  | Monthly | Comments
 |  |  |  | estimate MONTHLY amount for each line item
 | Family Income (Monthly Gross)
 | His Income (gross - before taxes) |  |  | 0
 | Her Income (gross - before taxes) |  |  | 0
 | Alimony and/or Child Support Income |  |  | 0
 | Rental/Investment/Other Income |  |  | 0
 | Additional Income Required |  |  | 0 |  |  |  | 0
 | TOTAL FAMILY INCOME |  |  | 0
 | Tithe to Church & Giving |  |  | ACTUAL = |  | 0.1
 | Tithe to Church |  |  | 0
 | Donations to Schools |  |  | 0
 | Other Charitable Cash Donations |  |  | 0
 |  |  | subtotal | 0 | versus | 0 | TARGET
 |  |  | BALANCE | 0
 | Savings/Investments - Tithe to Ourself |  |  | ACTUAL = |  | 0.1
 |  | Balance
 | Emergency/Savings Account |  |  | 0
 | 401-K, 403b, SEP-IRA, etc. |  |  | 0 | <<< do not include company match
 | Traditional IRAs, [NAME] IRAs |  |  | 0
 | College Savings |  |  | 0
 | Investment Accounts |  |  | 0
 |  |  | subtotal | 0 | versus | 0 | TARGET
 |  |  | BALANCE | 0
 | Taxes |  |  | ACTUAL = |  | 0.16
 | Federal Taxes | 0.0635 |  | 0 | <<< use actual amount from pay stub
 | State Income Taxes | 0.02 |  | 0 | <<< use actual amount from pay stub
 | Social Security Tax | 0.062 |  | 0
 | Medicare Tax | 0.0145 |  | 0
 |  |  | subtotal | 0 | versus | 0 | TARGET
 |  |  | BALANCE | 0
 | Eliminate Debt |  |  | ACTUAL = |  | 0
 |  |  |  | ^^^ If you have this expense, the percentage shown
 |  |  |  | must be deducted from other budget categories
 |  | Balance | Interest
 |  |  | Debt Elimination Plan Payment = | 0
 | IRS |  |  | 0
 | Credit Card #1 |  |  | 0 |  |  |  | for CCCS, estimate 3% of balance paid monthly
 | Credit Card #2 |  |  | 0
 | Credit Card #3 |  |  | 0
 | [NAME], Macy's, etc. |  |  | 0
 | Furniture Loan |  |  | 0
 | Car Loan #1, Balance/Interest |  |  | Enter Payments In |  | Auto #1 Value
 | Car Loan #2, Balance/Interest |  |  | Transportation Section |  | Auto #2 Value
 | Student Loan |  |  | 0
 | Family Loan Obligations |  |  | 0
 | Friend Loan Obligations |  |  | 0
 | Business Loan Obligations |  |  | 0
 | Other |  |  | 0
 |  |  | subtotal | 0 | versus | 0 | TARGET
 |  |  | BALANCE | 0
 |  |  |  | ORIGINAL DEBT = | 0 | <<< manually enter initial total debt
 |  |  |  | PRESENT DEBT = | 0
 |  |  |  | IMPROVEMENT = | 0
 | Monthly Obligations (NEEDS)
 | Housing Needs |  |  | ACTUAL = |  | 0.31
 |  | Balance | Interest |  |  | House Value =
 | First Mortgage |  |  | 0
 | Second Mortgage |  |  | 0
 | Property (County) Tax |  |  | 0 | <<< may be part of home mortgage
 | City Tax (if applicable) |  |  | 0
 | Home/Apartment Rent |  |  | 0
 | Homeowners Dues |  |  | 0
 | Home/Renters Insurance |  |  | 0 | <<< may be part of home mortgage
 | Base Phone Bill |  |  | 0
 | Long Distance |  |  | 0
 | Power: Electricity & Gas |  |  | 0
 | Water, Sewage, & Garbage |  |  | 0
 | Home Repairs |  |  | 0
 |  |  | subtotal | 0 | versus | 0 | TARGET
 | Transportation Needs |  |  | ACTUAL = |  | 0.09
 | Car Payment #1 |  |  | 0
 | Car Payment #2 |  |  | 0
 | Auto registration-tag/[NAME] |  |  | 0
 | Auto Insurance |  |  | 0
 | Gas for Auto |  |  | 0
 | Auto Repairs |  |  | 0
 |  |  | subtotal | 0 | versus | 0 | TARGET
 | Insurance Needs |  |  | ACTUAL = |  | 0.05
 | Health Insurance |  |  | 0
 | Life Insurance |  |  | 0
 | Dental & Vision Insurance |  |  | 0
 | Disability Insurance |  |  | 0
 | Long Term Care Insurance |  |  | 0
 | Umbrella Insurance |  |  | 0
 |  |  | subtotal | 0 | versus | 0 | TARGET
 | Food & Household Needs |  |  | ACTUAL = |  | 0.12
 | Food, Hygiene, Staple Items |  |  | 0
 | Food (school lunches) |  |  | 0
 |  |  | subtotal | 0 | versus | 0 | TARGET
 | Health Needs |  |  | ACTUAL = |  | 0.02
 | Medicine & Medical Expenses |  |  | 0
 | Dental Expenses |  |  | 0
 | Chiropractor |  |  | 0
 | Counselor |  |  | 0
 |  |  | subtotal | 0 | versus | 0 | TARGET
 | Personal Needs |  |  | ACTUAL = |  | 0
 |  |  |  | ^^^ If you have this expense, the percentage shown
 |  |  |  | must be deducted from other budget categories
 | Alimony/Child Support Payment |  |  | 0
 | Child Care, Day Care |  |  | 0
 | School Tuition & Uniforms |  |  | 0
 | School (books, activities, etc.) |  |  | 0
 | Postage |  |  | 0
 | Banking Fees |  |  | 0
 |  |  | subtotal | 0 | versus | 0 | TARGET
 |  |  | Total for NEEDS Section | 0
 |  |  | BALANCE | 0
 | Spending (WANTS) |  |  | ACTUAL = |  | 0.05
 |  |  |  | ^^^ You can increase this % as long your MARGIN is
 | Personal Wants |  |  | positive while meeting your tithe and savings goals
 | Beauty & Haircuts (nails) |  |  | 0
 | car washes |  |  | 0
 | cellular phone |  |  | 0
 | clothing purchases |  |  | 0
 | dry cleaning & laundry |  |  | 0
 | gifts, birthdays/Christmas/etc. |  |  | 0
 | pets (food and care) |  |  | 0
 | film & photo develop/framing |  |  | 0
 | sports, hobbies, memberships |  |  | 0
 | tax preparation |  |  | 0
 | Miscellaneous |  |  | 0
 |  |  | subtotal | 0
 | Housing Wants
 | home furnishings |  |  | 0
 | house cleaning |  |  | 0
 | landscape/lawn maintenance |  |  | 0
 | pest control |  |  | 0
 | security system |  |  | 0
 | Miscellaneous |  |  | 0
 |  |  | subtotal | 0
 | Entertainment Wants
 | books, magazines, newspaper |  |  | 0
 | cable TV |  |  | 0
 | camps for kids, kids activities |  |  | 0
 | dates/eating out/entertainment |  |  | 0
 | internet |  |  | 0
 | alcohol, lottery, tobacco |  |  | 0
 | school extracurricular trips |  |  | 0
 | vacations, trips |  |  | 0
 | Miscellaneous |  |  | 0
 |  |  | subtotal | 0
 |  |  | Total for WANTS Section | 0 | versus | 0 | TARGET
 |  |  | MARGIN | 0
 |  | <<<<<<<<<<<<<<<<< Category >>>>>>>>>>>>>>>>>
 |  | 1 | 2 | 3 | 4 | 5
 | Taxes
 | Debt
 | Needs - Housing
 | Needs - Transportation
 | Needs - Insurance
 | Needs - Food & Household
 | Needs - Health
 | Needs - Personal
 | Wants