FIN397
C_fulton1226
FIN397-MOD1-SLP1-CynthiaFulton.xlsxCashFlowStatement
| Personal Cash Flow Statement (My Current Actual Income and Expenses) | ||||||
| Complete this Statement BEFORE COMPLETING THE BUDGET! | ||||||
| Name: Cynthia Fulton | As of Date: 10/06/2022 | |||||
| Use this sheet to identify your TAKE HOME income, your monthly expenses, and your disposable income and percentage. | ||||||
| Do not report any monies deducted from your pay. | Change Cell Names as needed | |||||
| Monthly Take Home Income | Secured Debts (Monthly Payments on Major Items) | |||||
| Salary/Wages/Business Draw | 4,459.16 | Housing/Apartment Rent | 0.00 | |||
| Salary or Wages (Spouse) | 0.00 | Home 1st Mortgage | 740.00 | |||
| Social Security that you Receive | 0.00 | Home 2nd Mortgage | 0.00 | |||
| Pension/Retirement that you receive | 0.00 | Land Lease (Trailer park, other) | 0.00 | |||
| Interest you receive on Accounts (e.g., savings) | 0.00 | Student Loans | 0.00 | |||
| Alimony / Child Support that you receive | 0.00 | 1st Auto Loan/Leases | 385.50 | |||
| Real Estate rent (income) that you receive | 0.00 | 2nd Auto Loan/Leases | 0.00 | |||
| Investment Dividends | 0.00 | Recreation (Boat, ATV, etc.) Payments | 0.00 | |||
| Unemployment/ Food Stamps | 0.00 | Other Debts | 0.00 | |||
| Other income you receive (type the item in this cell) | 0.00 | Other Debts | 0.00 | |||
| Total Monthly Take Home Income | $4,459.16 | Other Loans | 0.00 | |||
| Other Loans | 0.00 | |||||
| Monthly Living Expenses | Total Secured Debt | 1,125.50 | ||||
| Alimony / Child Support that you Pay (outgoing) | 0.00 | |||||
| Auto Gas, Oil, Repair, and Taxes | 110.00 | Unsecured Debt (Monthly Payments) | ||||
| Auto Insurance | 171.00 | Credit Card 1 | 192.00 | |||
| Cable TV/ Satellite Fees | 30.00 | Credit Card 2 | 107.00 | |||
| Charitable Contributions | 0.00 | Credit Card 3 | 40.00 | |||
| Child Care | 0.00 | Credit Card 4 | 92.00 | |||
| Childrens' Activities | 37.50 | Credit Card 5 | 100.00 | |||
| Clothing Maintenance (Laundy/Dry cleaning | 0.00 | Credit Card 6 | 45.00 | |||
| Clothing Purchases | 0.00 | Credit Card 7 | 64.00 | |||
| Electric Bill | 100.00 | Credit Card 8 | 0.00 | |||
| Entertainment - Other than eating out. | 0.00 | Personal Loan 1 | 336.00 | |||
| Food (In-home / Groceries) | 120.00 | Personal Loan 2 | 110.00 | |||
| Food (Out of home - Lunch, Dining) | 0.00 | Medical Bill Payment | 0.00 | |||
| Health and Dental Insurance that you pay out of pocket | Other | 197.00 | ||||
| Homeowner/Condo Repairs and/or fees | 0.00 | Other | 0.00 | |||
| Homeowners or Renters Insurance | 0.00 | Total Unsecured Debt | 1,283.00 | |||
| Household items(e.g., soaps, toothpaste,Lawn supplies, etc.). | 0.00 | |||||
| Internet Access | 0.00 | Summary | ||||
| Life and Disability Insurance | 40.00 | Total Take Home (Income ) | 4,459.16 | |||
| Memberships (Health club etc.) | 0.00 | Total Living Expenses (-) | 1,473.21 | |||
| Personal Care (e.g., beauty salon/haircuts) | 0.00 | Total Secured Debt Payments (-) | 1,125.50 | |||
| Prescriptions | 0.00 | Total Unsecured Debt Payments (-) | 1,283.00 | |||
| Property Services (Gardener,Pool) | 0.00 | Disposable Income ** | 577.45 | |||
| Security Services (Alarm) | 38.22 | Disposable Income as a Percent of Total Income | 12.9% | |||
| Subscriptions | 10.97 | A healthy budget will have disposable income = 5 to 10% of total income. | ||||
| Telephone (Home, Cell, Pager) | 123.05 | |||||
| Trash Disposal | 0.00 | If your calculations reveal a deficit (negative number/ not enough income | ||||
| Tuition and School Supplies | 250.00 | to pay expenses), you are likely in serious debt. | ||||
| Water Bill | 91.78 | You may print this spreadsheet and write in the item amounts as you find the information. Then enter the information into this spreadsheet in Excel. | ||||
| Gas | 15.00 | |||||
| Loans | 335.69 | |||||
| Other Expenses | 0.00 | |||||
| Total Monthly Living Expenses | 1,473.21 |
PersonalBudget
| Personal/Household Budget Worksheet (My Money Management Plan) | ||||||
| Complete the Cash Flow Statement BEFORE Completing this Budget! | ||||||
| Name: (Enter your name here.) | Date: (Enter Date) | |||||
| Cell names and Data in this worksheet are imported from the Cash Flow Statement worksheet. You can change only the amounts. | ||||||
| On this worksheet, change EXPENSE ITEM amounts that you can adjust in your life (and on this worksheet) to have a better Disposable Income Percent | ||||||
| Monthly Take Home Income | Secured Debts (Monthly Payments on Major Items) | |||||
| Salary/Wages/Business Draw | 4,459.16 | Housing/Apartment Rent | 0.00 | |||
| Salary or Wages (Spouse) | 0.00 | Home 1st Mortgage | 740.00 | |||
| Social Security that you Receive | 0.00 | Home 2nd Mortgage | 0.00 | |||
| Pension/Retirement that you receive | 0.00 | Land Lease (Trailer park, other) | 0.00 | |||
| Interest you receive on Accounts (e.g., savings) | 0.00 | Student Loans | 0.00 | |||
| Alimony / Child Support that you receive | 0.00 | 1st Auto Loan/Leases | 385.50 | |||
| Real Estate rent (income) that you receive | 0.00 | 2nd Auto Loan/Leases | 0.00 | |||
| Investment Dividends | 0.00 | Recreation (Boat, ATV, etc.) Payments | 0.00 | |||
| Unemployment/ Food Stamps | 0.00 | Other Debts | 0.00 | |||
| Other income you receive (type the item in this cell) | 0.00 | Other Debts | 0.00 | |||
| Total Take Home Income | $4,459.16 | Other Loans | 0.00 | |||
| Other Loans | 0.00 | |||||
| Monthly Living Expenses | Total Secured Debt | 1,125.50 | ||||
| Alimony / Child Support that you Pay (outgoing) | 0.00 | |||||
| Auto Gas, Oil, Repair, and Taxes | 110.00 | Unsecured Debt (Monthly Payments) | ||||
| Auto Insurance | 171.00 | Credit Card 1 | 192.00 | |||
| Cable TV/ Satellite Fees | 30.00 | Credit Card 2 | 107.00 | |||
| Charitable Contributions | 0.00 | Credit Card 3 | 40.00 | |||
| Child Care | 0.00 | Credit Card 4 | 92.00 | |||
| Childrens' Activities | 37.50 | Credit Card 5 | 100.00 | |||
| Clothing Maintenance (Laundy/Dry cleaning | 0.00 | Credit Card 6 | 45.00 | |||
| Clothing Purchases | 0.00 | Credit Card 7 | 64.00 | |||
| Electric Bill | 100.00 | Credit Card 8 | 0.00 | |||
| Entertainment - Other than eating out. | 0.00 | Personal Loan 1 | 336.00 | |||
| Food (In-home / Groceries) | 120.00 | Personal Loan 2 | 110.00 | |||
| Food (Out of home - Lunch, Dining) | 0.00 | Medical Bill Payment | 0.00 | |||
| Health and Dental Insurance that you pay out of pocket | 0.00 | Other | 197.00 | |||
| Homeowner/Condo Repairs and/or fees | 0.00 | Other | 0.00 | |||
| Homeowners or Renters Insurance | 0.00 | Total Unsecured Debt | 1,283.00 | |||
| Household items(e.g., soaps, toothpaste,Lawn supplies, etc.). | 0.00 | |||||
| Internet Access | 0.00 | Summary | ||||
| Life and Disability Insurance | 40.00 | Total Take Home (Income ) | 4,459.16 | |||
| Memberships (Health club etc.) | 0.00 | Total Living Expenses (-) | 1,473.21 | |||
| Personal Care (e.g., beauty salon/haircuts) | 0.00 | Total Secured Debt Payments (-) | 1,125.50 | |||
| Prescriptions | 0.00 | Total Unsecured Debt Payments (-) | 1,283.00 | |||
| Property Services (Gardener,Pool) | 0.00 | Disposable Income ** | 577.45 | |||
| Security Services (Alarm) | 38.22 | Disposable Income as a Percent of Total Income | 12.9% | |||
| Subscriptions | 10.97 | A healthy budget will have disposable income = 5 to 10% of total income. | ||||
| Telephone (Home, Cell, Pager) | 123.05 | |||||
| Trash Disposal | 0.00 | If your calculations reveal a deficit (negative number/ not enough income | ||||
| Tuition and School Supplies | 250.00 | to pay expenses), you are likely in serious debt. | ||||
| Water Bill | 91.78 | |||||
| Gas | 15.00 | |||||
| Loans | 335.69 | |||||
| Other Expenses | 0.00 | |||||
| Total Monthly Living Expenses | 1,473.21 |
