TW&T jbTT VT&ArialT VT&ArialT VT&ArialT VT&gArialT ZT ZT ZT ZT ZT ZT BZT ZT #ZT BZT B!ZT aZT aZT #aZT aZT aZT BZT !ZT !ZT ! )\TkTkTkT-kTkTkTkTkT` fTeTeTeTeTeTeTeTeTeTeT eT eT eT eT eTeTeTeTeTeTeTeTeTeTeTeTeTeTeTeTeTeTeT eT!eT"eT#eT$eT%eT&eT'eT(eT)eT*eT+eT,eT-eT.eT/eT0eT1eT2eT3eT4eT5eT6eT7eT8eT9eT:eT;eT<eT=eT>eT?eT@eTAeTBeTCeTDeTEeTFeTGeTHeTIeTJeTKeTLeTMeTNeTOeTPeTQeTReTSeTTeTUeTVeTWeTXeTYeTZeT[eT\eT]eT^eT_eT`eTaeTbeTceTdeTeeTf,eTgeTheTieTj1]T0]T0]T0]T0]T0]T0]T0]T0$oTPTgTt=/8=/8d#T=/8d&%*BUDGET - MONTHLY INCOME AND EXPENSE    @NOTE: Fill in financial information in yellow boxes only            INCOME:      ACTUALS %GUIDELINES SALARY 1        SALARY 2        CAR ALLOWANCE         OTHER                TOTAL GROSS INCOME:     P [T  ?[T  ?                  LESS: TITHE                 Tithe - 10%                  LESS: FEDERAL INCOME TAX               STATE TAX              FICA         SDI         OTHER        MEDICARE        TOTAL TAXES:     P      8% to 28.%           OTHER PAYROLL DEDUCTIONS:         125K PLAN        401K PLAN         5 T0 10% DEF COMP        MEDICAL INSURANCE                 TOTAL PAYROLL DEDUCTIONS     P             NET SPENDABLE INCOME                   EXPENSES:          MORTGAGE PAYMENTS             1ST           Range of 29 to 38%   ! ! !2nd ! ! ! !"! P &! Lenders like to see 33% or less  ! " " "OTHER " " " " " " ##PROPERTY TAXES # # # # # # # $$UTILITIES $ $ $ $ $ $ $ %%ASSOC DUES % % % % % % % &TOTAL HOUSING & & & && P&  &   [T & ? ' ' ' ' ' ' ' ' ' (GROCERIES ( ( ( (((  (   ( 5.5% to 10% ) ) ) ) ) ) ) ) )  *AUTOS * * * * * * * * + +AUTO 1 + + + + + + + , ,AUTO 2 , , , , , , , - -AUTO 3 - - - - - - - ..MAINTENANCE . . . . . . . / /GAS / / / / / / / 00LICENSE FEES 0 0 0 0 0 0 0 1TOTAL AUTO EXPENSE 1 1 1 11 P1  1  ׿ 1 5 to 10% 2 2 2 2 2 2 2 2 2 3INSURANCE: 3 3 3 3 3 3 3 3 4 4HOUSE 4 4 4 4 4 4 4 5 5CAR 5 5 5 5 5 5 5 6 6LIFE 6 6 6 6 6 6 6 7 7HEALTH 7 7 7 7 7 7 7 88DISABILITY 8 8 8 8 8 8 8 9 9OTHER 9 9 9 9 9 9 9 :TOTAL INSURANCE : : : :: P:  :  ο [T : @ ; ; ; ; ; ; ; ; ; <DEBT PAYMENTS < < < < < < < < = =VISA = = = = = = = > >MC > > > > > > > ??Discover ? ? ? ? ? ? ? @ @AMEX @ @ @ @ @ @ @ A A A A A A A A A B B B B B B B B B C C C C C C C C C D D D D D D D D D E E E E E E E E E F F F F F F F F F G G G G G G G G G HTOTAL DEBT PAYMENTS H H H HH PH  H   [T H @ I I I I I I I I I JENTERTAINMENT EXPENSES J J J J J J J J KKENTERTAINMENT K K K K K K K LLRECREATION L L L L L L L MMEDUCATION M M M M M M M N NCAMPS N N N N N N N "OTOTAL ENTERTAINMENT EXPENSE O O O OO PO  O   [T O @ P P P P P P P P P QVACATION FUND Q Q Q Q Q Q Q Q R R R R R R R R R SCLOTHING ALLOWANCE S S S S S SS   [T S @ T T T T T T T T T USAVINGS U U U U U UU   [T U @ V V V V V V V V V WMEDICAL EXPENSES W W W W W W W W XXDEDUCTIBLES X X X X X X X Y YDRUGS Y Y Y Y Y Y Y Z ZOTHER Z Z Z Z Z Z Z [TOTAL MEDICAL EXPENSES [ [ [ [[ P [[   [T [ @ \ \ \ \ \ \ \ \ \ ]CHRISTMAS FUND ] ] ] ] ] ] ] ] ^ ^ ^ ^ ^ ^ ^ ^ ^_TOTAL MISC EXPENSES _ _ _ _._    _   _ _ ` ` ` ` ` ` ` ` ` a a a a a a a a a b b b b b b b b b c c c c c c c c cdTOTAL EXPENSES d d d dd ¿P d d d e e e e e e e e efINCOME LESS EXPENSES f f f ff   f f f g g g g g g g g g h h h h h h h h h i i i i i i i i i j j j j j j j j j