SPENDING PLAN WORKSHEET

PART I

Money In	Joint	Mine	My Spouse
Gross salary/income
Less federal, state, local income taxes*
Less social security (FICA)

Net earned income

Bonuses and commissions

Interest and dividends

Alimony and child support

Other (for example, rental income)

TOTAL INCOME

PART II

Money Out For Expenses	Joint	Mine	My Spouse

Property taxes (car, home, etc.)
Insurance
Life, disability, health
Home/rental/condo
Car
Umbrella/liability
Household
Mortgage/rent
Homeowner fees
Maintenance
Groceries
Utilities: gas, electric, phone, water
Transportation
Auto payment/public transportation fares
Gas/repairs

Child care (or elder care)

Education
Credit card(s)
Total credit card debt:
Entertainment: theater, dining out, etc.
Recreation/vacation
Other
Personal
Hair/beauty
Dry-cleaning
Cable TV

Medical, dental, drugs (not covered by insurance)

Clothing

Charitable contributions

Gifts (weddings, birthdays, etc.)

Miscellaneous (pets, etc.)

TOTAL EXPENSES

PART III

Money Out For Saving and Investing	Joint	Mine	My Spouse

Savings (passbook, money market, etc.)

401(K), IRA, 403(b)

Investments (mutual funds, stocks, bonds, annuities, etc.)

TOTAL SAVINGS

TOTAL ADDITIONAL AVAILABLE FOR SAVINGS

* If you make quarterly payments instead of having taxes withheld from your salary, simply divide that number by 3 and enter the information in this section.

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