Goals

Savings FY 2011
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Total

$-

Withdrawals
Vacation
Taxes
Roth-J
Roth-E
Other
Total

Budget
Actual
Planned
$10,000
$2,976.88
$6,260.00
$10,000
$5,000
$5,000
$$30,000
$2,977

Total
$9,236.88

Vacation Spending
Paid For
Luggage
Airline--United Greece
Airline--United Greece
Airline--Swiss Greece
Airline--Swiss Greece
Travel Insurance-Greece
Boat Deposit
Wire Fee-International

Total

Date

Amount
10/16/2011
10/1/2010
10/1/2010
9/30/2010
9/30/2010
10/1/2010
9/28/2010
9/28/2010

Planned

$601.68
$123.70
$123.70
$216.40
$216.40
$364.00
$1,296.00
$35.00

Hotel Athens-1 night

Hotel Athens-2 nights
Hotel Oia-1 night
Greece Transfers
Greece/Germany Food
Airline--Santorini to Athens
Ferry to Syros
Germany Hotel--4 nights
Germany Rental Car
Rental Car Gas
Spending Monday--Europe
Boat Balance

$2,976.88

Planned

Estimate
$120.00
$240.00
$400.00
$400.00
$1,500.00
$300.00
$300.00
$600.00
$400.00
$200.00
$1,000.00
$800.00

$6,260.00

FY 2011
Oct-10
First Pay
Beginning Balance
Eileen's Pay
Jason's Pay
Child Support
Budgeted Costs
Withdrawel to Savings

Mid-Month

500

Nov-10
Dec-10
First Pay Mid-Month First Pay Mid-Month

Jan-11
Feb-11
Mar-11
Apr-11
May-11
First Pay Mid-Month First Pay Mid-Month First Pay Mid-Month First Pay Mid-Month First Pay Mid-Month

Jun-11
Jul-11
Aug-11
Sep-11
First Pay Mid-Month First Pay Mid-Month First Pay Mid-Month First Pay Mid-Month

Household Budget Worksheet

Monthly Take Home Income
Jason Salary
Eileen Salary
Alimony / Child Support

Total Take Home Income

Monthly Living Expenses
Allowances
Auto Gas and Repair
Telephone (Home, Cell, Pager)
Other Expenses
Clothing Maintenance (Laundy/Dry cleaning
Child Care
Electric Bill
Food (In-home / Groceries)
Food/Entertainment
Gas and Oil Bill
Homeowners/ Renters Insurance
Personal Care (Grooming)
Internet Access (AOL,MSN, DSL)
Auto Insurance
Cable TV/ Satellite Fees
Life and Disability Insurance

Total Monthly Living Expenses

6600
6300
500

Secured Debts (Monthly Payments)

Rent
Audi TT
Toyota Venza

$13,400
Total Secured Debt
1000
200
180
300
50
450
150
1000
500
50
25
200
50
140
120
140

$4,555

Unsecured Debt

Total unsecured Debt

Summary
Total Take Home (Income )
Total Living Expenses (-)
Total Secured Debt Payments (-)
Total Unsecured Debt Payments (-)
Disposable Income **
Disposable Income as Percent

ly Payments)
2600
535
868

Allowances
1000
Auto Insurance
140
Life and Disability Insurance 140
1280
Fund Spending
$3,275

$4,003
1000
180
450
25
140
120
140
2055
$2,500
Err:522

$13,400
$4,555
$4,003
Err:522
$4,842.00
36.13%

Monthly Living Expenses

Rent
Audi TT
Toyota Venza
Allowances
Auto Gas and Repair
Auto Insurance
Cable TV/ Satellite Fees
Clothing Maintenance (Laundy/Dry cleaning
Child Care
Electric Bill
Food (In-home / Groceries)
Food (Out of home - Lunch, Dining)
Gas and Oil Bill
Homeowners/ Renters Insurance
Personal Care (Grooming)
Internet Access (AOL,MSN, DSL)
Life and Disability Insurance
Telephone (Home, Cell, Pager)
Other Expenses
Totals

Amount
$2,600
$535
$868
$1,000
$200
$140
$115
$50
$450
$150
$1,000
$500
$50
$25
$200
$50
$140
$180
$300
$8,553

Primary
$2,600.00
$535.00
$868.00
$1,000.00
$42.25

$43.93

$113.61
$35.50

$35.50

$200.75
$16.74
$55.46
$110.44

$14.60
$32.50
$90.31

$27.78

$165.00

$64.00

$28.87

$216.53

$420.00

$79.98
$134.75
$180.00
$6,034

Food

2.98
38.77
37.63

151.29
6
27.43

7.63
12
27.78

mis-catgorized
Lost

39.95
37.78

45
43

5.5
26.99

entertainment

83.29

102.95
35 to Drew

10.35

Problem Areas
Food
Entertainment
Lost
Eileen Spending Over $400

Budget
$1,000
$500
$$400

Spent
Difference
$1,400
$(400)
$909
$(409)
$147
$(147)
$806
$(406)

Busted Budget By:

$(1,362)

$39.50

$19.37
$38.58

$18.34
$37.12

$19.10
$84.16

$19.71
$70.11

$26.47
$46.01

$10.69
104

$60.95
67.62

$88.10
$100.12

$19.15
$24.00

11.66
31.31
276.1

28.69
31.08
8.23

8.97
100
12

31.32
19.65
20.56

23
8.22

16.46
26.07

21.84
8.73

$24.00
13.35

22.45
31.34

18.66
25.77

25.77
13

10

83.41

116.34

71.32

55.69

64

5.5

21.75

31.31

Actual
Plan
Remaining
$2,600
$2,600
$$535
$535
$$868
$868
$$1,000
$1,000
$$86
$200
$114
$217
$140
$(77)
$114
$115
$1
$111
$50
$(61)
$420
$450
$30
$201
$150
$(51)
$1,086.54
$1,400
$1,000
$(400)
$249.65
$909
$500
$(409)
$201
$50
$(151)
$$25
$25
$193
$200
$7
$80
$50
$(30)
$135
$140
$5
$180
$180
$$93
$300
$207
$5,338
$8,553

736.25
409.73

1086.54
736.25
409.73
541.14
146.54
249.65

Household Budget Worksheet

Monthly Take Home Income
Jason Salary
Eileen Salary
Alimony / Child Support

Total Take Home Income

Monthly Living Expenses
Allowances
Auto Gas and Repair
Telephone (Home, Cell, Pager)
Other Expenses
Clothing Maintenance (Laundy/Dry cleaning
Child Care
Electric Bill
Food (In-home/Groceries/School)
Food (eat out only)
Personal Care (Hair Care)
Internet Access (AOL,MSN, DSL)
Auto Insurance
Cable TV/ Satellite Fees
Life and Disability Insurance
Drew Spending
Credit Monitoring

6650
6410
250

Secured Debts (Monthly Payments)

Rent
Audi TT
Toyota Venza

$13,310
Total Secured Debt
860
200
180
400
75
420
200
1000
500
200
50
210
120
140
100
11

Unsecured Debt

Summary
Total Take Home (Income )
Total Living Expenses (-)
Total Secured Debt Payments (-)
Total Unsecured Debt Payments (-)
Disposable Income as Percent

Total Monthly Living Expenses

$4,666

Debts (Monthly Payments)

2600
535
868

Total Secured Debt

$4,003

Total unsecured Debt

Err:522

Home (Income )
g Expenses (-)
red Debt Payments (-)
cured Debt Payments (-)
Disposable Income **
e Income as Percent

$13,310
$4,666
$4,003
Err:522
$4,641.00
34.87%

Monthly Living Expenses

Rent
Audi TT
Toyota Venza
Allowances
Auto Gas and Repair
Telephone (Home, Cell, Pager)
Other Expenses
Clothing Maintenance (Laundy/Dry cleaning
Child Care
Electric Bill
Food (In-home/Groceries/School)
Food (eat out only)
Personal Care (Hair Care)
Internet Access (AOL,MSN, DSL)
Auto Insurance
Cable TV/ Satellite Fees
Life and Disability Insurance
Drew Spending
Credit Monitoring
Totals

Amount
$2,600
$535
$868
860
200
180
400
75
420
200
1000
500
200
50
210
120
140
100
11
$8,669

$2,600.00
$535.00
$868.00
$860.00
$46.55

$40.92

$42.61
$44.75

$43.89

$20.93
$17.95
$185.00

$51.50
$71.70
$40.00

$14.95
$5.50

$38.40
$5.50

16.5
12.06
9.5
21.82

18.95
11.97
5.16
13.17

Eileen Work
Eileen Travel

51.48
139.53
Car?

53.7
338.8

Wine
Greece Hotel

259.93
432.44

Eat out Continued

Groceries

$420.00
$69.48

$40.00
$216.53
$113.61
$134.75

$5,857

104.65

$29.61

$36.10

$42.45

$34.72

$35.53

$10.55

$5.00

$42.61

$13.05

$65.83

$47.99

$13.00

$2.50

$20.00

$8.77
$13.27

$3.99
$3.50

$11.57
$4.67

$1.66
$19.19

$20.93
$74.70

$26.80
$8.80

$19.69
$14.14

$58.13
$16.07

$62.25
$11.74

$246.25
$970.83

8.98
34.93
10.95
28.75

13.13
24.76
9.47
55.17

35.89
7.03
3.85
26.56

10.59
9.97
21
57.75

50.76
3.5
27.5
8.62

15.25
26.19
8.2
21.75

10.95
20.34
25.37
15.17

39.68
20.96
12.5
16.5

13.36
27.5
18.82
120

736.79
537.58
385.26

38.45

92.79

44.75

5.36

Actual
Plan
Remaining
$2,600
$2,600
$$535
$535
$$868
$868
$$860
$860
$$276
$200
$76.43
$$180
$(180.00)
$296
$300
$(3.52)
$45
$50
$(5.25)
$420
$420
$$69
$200
$(130.52)
$532
$1,000
$(467.53)
$1,227
$500
$726.56
$225
$200
$25.00
$40
$50
$(10.00)
$217
$175
$41.53
$114
$120
$(6.39)
$135
$140
$(5.25)
$53
$100
$(46.65)
$11
$11
$$4,520
$8,509 $(3,988.59)

970.83
736.79
537.58
385.26

149.93
478.33

246.25

Monthly Budget Worksheet

Monthly Take Home Income
Salary/Wages/Business Draw
Salary or Wages (Spouse)
Social Security
Pension/Retirement
Interest on Accounts
Alimony / Child Support
Real Estate rent (income)
Investment Dividends
Unemployment/ Food Stamps
Other
Total Take Home Income

Expected
$4,365.00
$4,924.00

Actual
$4,365.00
$4,924.00

$400.00
$$500.00

$300.00

$10,189.00

$10,089.00

Monthly Living Expenses

Auto Gas
Auto Insurance
Blank
Blank
Blank
Blank
Blank
Blank
Cable TV/ Satellite Fees
Child Care
Childrens' Activities
Clothing Maintenance (Laundy/Dry cleaning
Clothing Purchases
Electric Bill
Food (In-home / Groceries)
Food (Out of home - Lunch, Dining)
Homeowner/Condo fees
Homeowners/ Renters Insurance
Household items
Internet Access (AOL,MSN, DSL)
Liability Insurance
Life and Disability Insurance
Memberships (Health club etc.)
Other Expenses
Personal Care (Grooming)
Prescriptions
Property Services (Gardener,Pool)
Subscriptions
Telephone (Home, Cell, Pager)
Toll Roads
Tuition and School Supplies
Water Bill
Total Monthly Living Expenses

Budgeted

$-

$500.00

Actual

$-

Difference
$$$$(100.00)
$$$$$$$(100.00)
Difference
$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$-

% of Income

% of Income
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%

Secured Debts (Payments)

Rent
1st Mortgage
2nd Mortgage
Land Lease (Trailer park, other)
Student Loans
Auto Loans/Leases
Recreation (Boat, ATV, etc.)
Past Due Taxes
Other Debts
Other Debts
Other Loans
Other Loans
Total Secured Debt

Budgeted

Unsecured Debt
Credit Card 1
Credit Card 2
Credit Card 3
Credit Card 4
Credit Card 5
Credit Card 6
Credit Card 7
Credit Card 8
Personal Loan 1
Personal Loan 2
Medical Bill Payment
Other
Other
Total unsecured Debt

Budgeted

Savings Compartments
Auto
Vacation
College
Roth IRA
Stock Purchase
401K
Total unsecured Debt

Budgeted

Summary
Total Take Home (Income )
Total Living Expenses (-)
Total Secured Debt Payments (-)
Total Unsecured Debt Payments (-)
Disposable Income **
Disposable Income as Percent

$$2,533.00
$637.00

Actual
$1,550.00

$$$$424.00

$3,594.00

$1,550.00
Actual

$$$$$$$$$$-

$-

$Actual

$$$$$$$Plan
$10,189.00
$$3,594.00
$$6,595.00
64.73%

$$$$$$$Actual
$10,089.00
$$1,550.00
$$8,539.00
84.64%

Difference
$(1,550.00)
$2,533.00
$637.00
$$$$$$424.00
$$$$2,044.00

% of Income
15.36%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
15.36%

Difference
$$$$$$$$$$$$$$-

% of Income
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%

$$$$$$$-

% of Income
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%

Difference

Difference
$(100.00)
$$(2,044.00)
$$1,944.00
-1944.00%

% of Income
0.00%
15.36%
0.00%