EOD Basic

Step One - Income Sources

This is where you enter your income for the month

Week One
paycheck - Job 1
paycheck - Job 2
paycheck - Job 3
paycheck - Job 4
bonus
ebay
website

Week Two
$1,500.00 paycheck - Job 1
paycheck - Job 2
paycheck - Job 3
$100.00 paycheck - Job 4

$129.00

side hustle
TOTAL

bonus
ebay
website

$1,729.00 TOTAL
$1,500.00 paycheck - Job 1

paycheck - Job 2
paycheck - Job 3
paycheck - Job 4

paycheck - Job 2
paycheck - Job 3
paycheck - Job 4

$100.00

bonus

$1,000.00
$450.00
$100.00

bonus
ebay
$259.00 website
side hustle
$1,859.00 TOTAL

Week Five

Week Six

paycheck - Job 1

paycheck - Job 1

paycheck - Job 2
paycheck - Job 3
paycheck - Job 4

paycheck - Job 2
paycheck - Job 3
paycheck - Job 4
$350.00

ebay

website
side hustle
TOTAL

website
side hustle
TOTAL

$65.00
$415.00

$52.37
$200.00
$1,802.37

bonus

ebay

Monthly Net Income

Budgeted

$1,634.55

Week Four

paycheck - Job 1

bonus

$27.55
$57.00

side hustle

Week Three

ebay
website
side hustle
TOTAL

$1,000.00
$450.00
$100.00

$0.00

$7,439.92
$7,439.92

Remaining to Budget

$0.00

Step Two - Create Bill List

If it has a due date, list the expense here
Bills
Mortgage

Due Date
7/1

Amount
$1,200.00

Car Payment

7/2

$350.00

Car Insurance (monthly)

Electric
Cell Phone
Water

7/3
7/4
7/5
7/6

$65.00
$150.00
$90.00
$45.00

Internet
Trash/Sewage
Child Care

7/7
7/8
7/9

$65.00
$15.00
$400.00

Gym Membership

7/10

$40.00

Credit Card 1

7/11

$27.00

Credit Card 2
Student Loan 1
Student Loan 2

7/12
7/13
7/14

$83.00
$59.00
$200.00

Other

7/15

Other
Other
Other
Other
Other

7/16
7/17
7/18
7/19
7/20

TOTAL

$2,789.00

Step Three - List Irregular Expenses

What irregular expenses do you have for the year?
Irregular Expense
Car Insurance (bi-anually)
Birthday (spouse 1)
Valentines Day
Birthday (spouse 2)
Mother's Day
Father's Day
Car Insurance (bi-anually)
Birthday (child 1)
Wedding Anniversary
Back to School
Friend's Wedding

Due Date
1/1
2/8
2/14
3/12
5/2
6/15
7/1
7/16
8/7
8/20
9/5

Amount
$300.00
$40.00
$30.00
$30.00
$30.00
$30.00
$300.00
$50.00
$50.00
$50.00
$40.00

Birthday (child 2)
Halloween

10/23
10/30

$25.00
$30.00

Thanksgiving
Christmas
Other

11/26
12/25

$25.00
$300.00

Other
Other
Other
Other
Other

TOTAL

Budget Notes & Reminders

This is your budget "post-it note" section
Lower grocery budget to $400
Raise deductible on auto insurance
Budget for clothes in September
Dogs need shots/medication
etc.

$1,330.00

D Basic 3.0
Step Four - Complete Zero-Based Budget

This is where you tell every single dollar where it will be spent
Item Name

Budgeted

Spent

Remaining

Charity
Charitable Giving
Church
TOTAL

10-15%
$550.00
$745.00
$1,295.00

$450.00
$450.00

$100.00
$745.00
$845.00

Savings
Emergency Fund
Sinking Funds

Retirement Fund
TOTAL

$500.00
$350.00

$500.00
$350.00
$0.00

$475.00

$475.00

$1,500.00
$2,825.00

$1,500.00
$1,975.00

$0.00

Housing
Homeowners Insurance
Mortgage

$1,400.00

$1,400.00

$0.00
$0.00
$0.00

Real-Estate taxes
Rent
Renter's Insurance
Repairs/Maintenance

$0.00
$0.00
$0.00
$0.00

Replace Furniture
TOTAL

$0.00
$0.00

$1,400.00

$1,400.00

Food
$450.00

$100.00

$350.00
$0.00
$0.00

$450.00

$100.00

$0.00

Utilities
Electricity
Gas

Cell Phone

6%

5-10%
$155.00

Cable
Internet

19%

5-15%

Lunch Money
TOTAL

38%

25-35%

Second Mortgage

Groceries
Restaurants

17%

5-10%

Debt Snowball
College Fund

Recommended %

$155.00
$0.00
$0.00

$63.00

$63.00
$0.00

Phone
Trash
Water
TOTAL

$90.00
$15.00
$55.00
$378.00

$0.00

$90.00
$15.00
$55.00
$70.00

Transportation
Car Insurance
Gas & Oil

10-15%
$89.00
$250.00

$89.00
$250.00

Inspection
Property Taxes
Repairs & Maintenance
Misc. Fees
TOTAL

$0.00
$10.00

$349.00

$0.00

$10.00
$0.00
$0.00
$0.00

Clothing

5%

2-7%

Adults
Children

$25.00
$35.00

$25.00
$35.00

Cleaning/Laundry

$10.00

$10.00

TOTAL

$70.00

$0.00

$45.00

Medical/Health

1%

5-10%

Dentist
Disability Insurance

$0.00
$0.00

Doctor

$0.00

Prescriptions
Health Insurance
Co-pays
Optometrist
TOTAL

$0.00
$0.00
$0.00
$0.00
$0.00

$0.00

$0.00

Personal

0%

5-10%

Gym Membership
Blow $$ (Husband)

$100.00

$0.00
$100.00

Blow $$ (Wife)

$100.00

$100.00

Taxes
Child Care
Child Support
Cosmetics
Hair Care
Toiletries
Subscriptions
Organization Dues
Pet Supplies
School Supplies
Education/Books
Tuition
Gifts

5%

$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

Other
TOTAL

$200.00

$0.00

$0.00
$200.00

Recreation
Entertainment
Vacation

5-10%
$200.00

$200.00
$0.00

Sports Fees
TOTAL

$0.00
$200.00

$0.00

$200.00

Debts
Credit Card 1
Credit Card 2

Student Loan 2
Student Loan 3
Student Loan 4
Student Loan 5
HELOC
Car Loan 1
Car Loan 2
Other
Other
Other
Other
Other
Other
Other
TOTAL

3%

0%
$200.00

$200.00
$0.00

Credit Card 3
Credit Card 4
Credit Card 5
Student Loan 1

3%

$0.00

$72.92

$0.00
$0.00
$72.92

$272.92

$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
$272.92

$0.00

4%

EOD
Step Five - Complete Allocated Spending Plan (optional)

What bills are you going to pay and when?

Week

Week One

Week Two

Income
Remaining
From Zero-Based Budget (below)

$1,729.00

$1,634.55

$0.00

$350.63

Spent

W1

Balance

/
/

$1,729.00
$1,556.00

$1,556.00

Spent

W2

Balance

Charity
Charitable Giving
Church
TOTAL

$550.00
$745.00
$1,295.00

$173.00
$173.00

$164.00
$164.00

$1,634.55
$1,470.55

$350.63

$1,119.92

$1,510.00
$1,510.00

$1,119.92
$1,119.92

$1,510.00
$1,510.00

Savings
Emergency Fund

$500.00

Sinking Funds
Debt Snowball

$350.00
$0.00

College Fund
Retirement Fund
TOTAL

$475.00
$1,500.00
$2,825.00

$46.00

/
/
/
$46.00

/
/

$1,119.92
$1,119.92

$0.00

Housing
Homeowners Insurance$0.00
Mortgage
$1,400.00
Second Mortgage
$0.00
Real-Estate taxes
$0.00
Rent
Renter's Insurance

$1,400.00

$0.00
$0.00

Repairs/Maintenance $0.00
Replace Furniture
$0.00
TOTAL
$1,400.00

/
/
/
/

$1,510.00
$110.00
$110.00
$110.00

/
/
/
/

$1,119.92
$1,119.92
$1,119.92
$1,119.92

$110.00
$110.00

$1,119.92
$1,119.92

$110.00
$110.00

/
/
/
$1,400.00

/
/

$1,119.92
$1,119.92

$1,019.92

/
/

$1,019.92
$1,019.92

$864.92

$864.92

$0.00

Food
Groceries

$450.00

Restaurants
Lunch Money
TOTAL

$0.00
$0.00
$450.00

$100.00

$10.00

$10.00
$10.00

/
$100.00

$100.00

$100.00

Utilities
Electricity

$155.00

$10.00

Gas

$0.00

$10.00

$155.00

Cable
Internet
Cell Phone
Phone

$0.00
$63.00
$0.00
$90.00

Trash
Water
TOTAL

$15.00
$55.00
$378.00

/
/
/

$10.00
$10.00
$10.00
$10.00

/
$63.00
$90.00

/
/
/

$864.92
$801.92
$801.92
$711.92

$15.00
$55.00
$378.00

$10.00
$10.00

$696.92
$641.92

$89.00
$250.00
$0.00
$10.00

/
/
/
/

$10.00
$10.00
$10.00
$10.00

$89.00
$125.00

/
/
/
/

$552.92
$427.92
$427.92
$417.92

Repairs & Maintenance$0.00

Misc. Fees
$0.00
TOTAL
$349.00

$10.00
$10.00

/
/

$417.92
$417.92

$0.00

Transportation
Car Insurance
Gas & Oil
Inspection
Property Taxes

/
$0.00

$10.00

$224.00

Clothing
Adults

$25.00

$10.00

$10.00

$407.92

Children
Cleaning/Laundry
TOTAL

$35.00
$10.00
$70.00

$10.00
$0.00

$35.00

/
/

$372.92
$372.92

$10.00
$10.00

$45.00

Medical/Health
Dentist
Disability Insurance
Doctor
Prescriptions
Health Insurance

$0.00
$0.00
$0.00
$0.00
$0.00

/
/
/
/
/

$0.00
$0.00
$0.00
$0.00
$0.00

/
/
/
/
/

$372.92
$372.92
$372.92
$372.92
$372.92

Co-pays
Optometrist
TOTAL

$0.00
$0.00
$0.00

$0.00
$0.00

$372.92
$372.92

/
$0.00

/
$0.00

Personal
Gym Membership
Blow $$ (Husband)
Blow $$ (Wife)
Taxes
Child Care
Child Support
Cosmetics
Hair Care
Toiletries
Subscriptions
Organization Dues
Pet Supplies
School Supplies

$0.00
$100.00
$100.00
$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
$0.00
$0.00
$0.00

/
/
/
/
/
/
/
/
/
/
/
/
/

$372.92
$372.92
$372.92
$372.92
$372.92
$372.92
$372.92
$372.92
$372.92
$372.92
$372.92
$372.92
$372.92

Education/Books
Tuition

$0.00
$0.00

/
/

$0.00
$0.00

/
/

$372.92
$372.92

Gifts
Other
TOTAL

$0.00
$0.00
$200.00

$0.00
$0.00

/
/

$372.92
$372.92

$272.92

/
/

$272.92
$272.92

/
/
/

$72.92
$72.92
$72.92

$72.92
$72.92
$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

Recreation
Entertainment

$200.00

$0.00

Vacation
Sports Fees
TOTAL

$0.00
$0.00
$200.00

$0.00
$0.00

/
$0.00

$100.00

$100.00

Debts
Credit Card 1
Credit Card 2
Credit Card 3

$200.00
$0.00
$0.00

/
/
/

$0.00
$0.00
$0.00

Credit Card 4
Credit Card 5
Student Loan 1
Student Loan 2
Student Loan 3
Student Loan 4
Student Loan 5
HELOC
Car Loan 1
Car Loan 2
Other
Other
Other
Other
Other
Other
Other
TOTAL

$0.00
$0.00
$72.92
$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
$272.92

$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

$200.00

$72.92

$272.92

/
/
/
/
/
/
/
/
/
/
/
/
/
/
/
/

EOD Basic 3.0

onal)
Week Three

Week Four

Week Five

$1,859.00

$1,802.37

$415.00

$1,148.00

$1,347.37

$373.00

Spent

W3

Balance

$225.00
$186.00
$411.00

/
/

$1,634.00
$1,448.00

/
/
/
/
/

W4

Balance

/
/

$1,802.37
$1,622.37

$1,448.00

$1,448.00
$1,448.00

$1,448.00
$1,448.00

$0.00

$180.00
$180.00

/
/

Spent

W5

Balance

$415.00
$373.00

$1,622.37

$373.00

$1,622.37
$1,622.37

$373.00
$373.00

$1,622.37
$1,622.37

$0.00

$42.00
$42.00

/
/

$373.00
$373.00

$0.00

/
/
/
/

$1,448.00
$1,448.00
$1,448.00
$1,448.00

/
/
/
/

$1,622.37
$1,622.37
$1,622.37
$1,622.37

/
/
/
/

$373.00
$373.00
$373.00
$373.00

$1,448.00
$1,448.00

$1,622.37
$1,622.37

$373.00
$373.00

$1,448.00
$1,448.00

$1,622.37
$1,622.37

/
/
/
$0.00
$100.00

Spent

/
/
$0.00

$1,348.00

$1,348.00
$1,348.00

/
$100.00

$150.00

/
/

$373.00
$373.00

$0.00
/

$1,472.37

$373.00

$1,472.37
$1,472.37

/
/

$373.00
$373.00

/
$150.00

$0.00

$1,348.00

$1,472.37

$373.00

$1,348.00

$1,472.37

$373.00

/
/
/
/
/
/

$1,348.00
$1,348.00
$1,348.00
$1,348.00

$1,348.00
$1,348.00

$0.00

$1,472.37
$1,472.37

$0.00
/
/
/
/

$1,348.00
$1,348.00
$1,348.00
$1,348.00

$1,348.00
$1,348.00

/
$0.00

$125.00

/
/
/

$373.00
$373.00
$373.00
$373.00

$373.00
$373.00

$0.00
/
/
/
/

$1,472.37
$1,347.37
$1,347.37
$1,347.37

/
/
/
/

$373.00
$373.00
$373.00
$373.00

$1,347.37
$1,347.37

/
/

$373.00
$373.00

/
$125.00

$0.00

$1,348.00

$1,347.37

$373.00

$1,348.00
$1,348.00

$1,347.37
$1,347.37

/
/

$373.00
$373.00

/
$0.00

/
$0.00

$0.00

/
/
/
/
/

$1,348.00
$1,348.00
$1,348.00
$1,348.00
$1,348.00

/
/
/
/
/

$1,347.37
$1,347.37
$1,347.37
$1,347.37
$1,347.37

/
/
/
/
/

$373.00
$373.00
$373.00
$373.00
$373.00

$1,348.00
$1,348.00

$1,347.37
$1,347.37

$373.00
$373.00

/
$0.00

/
$0.00

/
$100.00
$100.00

/
/
/

$1,472.37
$1,472.37
$1,472.37
$1,472.37

/
/
/
/
/
/
/
/
/
/
/
/

$1,348.00
$1,248.00
$1,148.00
$1,148.00
$1,148.00
$1,148.00
$1,148.00
$1,148.00
$1,148.00
$1,148.00
$1,148.00
$1,148.00
$1,148.00

/
$0.00

/
/
/
/
/
/
/
/
/
/
/
/
/

$1,347.37
$1,347.37
$1,347.37
$1,347.37
$1,347.37
$1,347.37
$1,347.37
$1,347.37
$1,347.37
$1,347.37
$1,347.37
$1,347.37
$1,347.37

/
/
/
/
/
/
/
/
/
/
/
/
/

$373.00
$373.00
$373.00
$373.00
$373.00
$373.00
$373.00
$373.00
$373.00
$373.00
$373.00
$373.00
$373.00

/
/

$1,148.00
$1,148.00

/
/

$1,347.37
$1,347.37

/
/

$373.00
$373.00

$1,148.00
$1,148.00

$1,347.37
$1,347.37

/
/

$373.00
$373.00

/
$200.00

$0.00

$0.00

$1,148.00

$1,347.37

$373.00

$1,148.00
$1,148.00

$1,347.37
$1,347.37

/
/

$373.00
$373.00

/
$0.00

/
$0.00

$0.00

/
/
/

$1,148.00
$1,148.00
$1,148.00

/
/
/

$1,347.37
$1,347.37
$1,347.37

/
/
/

$373.00
$373.00
$373.00

$1,148.00
$1,148.00
$1,148.00
$1,148.00
$1,148.00
$1,148.00
$1,148.00
$1,148.00
$1,148.00
$1,148.00
$1,148.00
$1,148.00
$1,148.00
$1,148.00
$1,148.00
$1,148.00
$1,148.00

$1,347.37
$1,347.37
$1,347.37
$1,347.37
$1,347.37
$1,347.37
$1,347.37
$1,347.37
$1,347.37
$1,347.37
$1,347.37
$1,347.37
$1,347.37
$1,347.37
$1,347.37
$1,347.37
$1,347.37

$373.00
$373.00
$373.00
$373.00
$373.00
$373.00
$373.00
$373.00
$373.00
$373.00
$373.00
$373.00
$373.00
$373.00
$373.00
$373.00
$373.00

/
/
/
/
/
/
/
/
/
/
/
/
/
/
/
/
$0.00

/
/
/
/
/
/
/
/
/
/
/
/
/
/
/
/
$0.00

/
/
/
/
/
/
/
/
/
/
/
/
/
/
/
/
$0.00

Week Six
$0.00
$0.00
Spent

W6

Spent

Remaining

$970.00

$325.00

$46.00

$2,779.00

Balance

$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 $1,400.00
$0.00

$0.00

/
/
/

$0.00
$0.00

$0.00

/
/

$0.00
$0.00

$0.00

$0.00

$0.00

$0.00

$450.00

$0.00

$378.00

$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
$0.00
$0.00

$0.00
$0.00

$378.00

$0.00

$349.00

$0.00

$55.00

$15.00

$0.00

$0.00

$200.00

$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

/
/

$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
$0.00
$0.00
$0.00
$0.00

$0.00

$100.00

$100.00

$272.92

$0.00

$0.00

/
/
/
/
/
/
/
/
/
/
/
/
/
/
/
/
$0.00

Budget Overview
This is your financial snapshot for the month

Income

Month:

Net Income

November
$7,439.92

Expense

Total

Spent

Remaining

Charity
Savings
Housing
Food
Utilities
Transportation
Clothing
Medical/Health
Personal
Recreation
Debt

$1,295.00

$450.00

$845.00

$2,825.00

$0.00

$2,825.00

$1,400.00

$1,400.00

$0.00

$450.00

$100.00

$350.00

$378.00

$0.00

$378.00

$349.00

$0.00

$349.00

$70.00

$0.00

$70.00

$0.00

$0.00

$0.00

$200.00

$0.00

$200.00

$200.00

$0.00

$200.00

$272.92

$0.00

$272.92

Totals

$7,439.92

$1,950.00

$5,489.92

Budget Goals
This is your motivational tool to get things done
Goal
Pay off my Home Depot credit card. $225
Save $1,ooo for an emergency fund.
Pay for Christmas without borrowing a penny. Budget: $500
Cut unnecessary budget expenses by $250
Lower grocery budget to $400
Pay off student loans. $3,000
Pay off car early. $4,000
We're DEBT FREEEEEE!
Save 6 months of expenses

DONE!

DONE!

Goal Date
11/16/10
12/1/10
12/23/10
10/1/10
12/1/10
2/15/11
4/1/11
6/30/11
1/30/12

you get the point!

Don't forget to print! :-D

I got this helpful tool from Brad Chaffee at www.enemyofdebt.com, a blog about debt
elimination and financial freedom.