EARNINGS/INCOME PER MONTH			TOTALS			% Guide*		TOTALS
					6. INSURANCE	5%
Salary #1 (net take-home)					(Paid by You)
Salary #2 (net take-home)
Other Income (less taxes)					AUTO
					PROPERTY
TOTAL MONTHLY INCOME					LIFE
	*				MEDICAL/DENTAL/VISION
	% Guide				Other
1. GIVING	10%+					%
Church					7. HOUSEHOLD/PERSONAL	15-25%
OTHER CONTRIBUTIONS					GROCERIES
					CLOTHES/DRY CLEANING
	%				GIFTS
2. SAVING	5-10%				HOUSEHOLD ITEMS
EMERGENCY					PERSONAL:
REPLACEMENT					Liquor/Tobacco
LONG TERM					Cosmetics
	%				Barber/Beauty
3. DEBT	0-10%				OTHER:
CREDIT CARDS					Books/Magazines
VISA					Allowances
Master Card					Music Lessons
Discover					Personal Technology
American Express					Education
Gas Cards					Miscellaneous
Department Stores						%
EDUCATION LOANS					8. ENTERTAINMENT	5-10%
OTHER LOANS					GOING OUT:
Bank Loans					Meals
Family Friends					Movies/Events
OTHER LOANS					Baby-sitting
	%				TRAVEL (VACATION/TRIPS)
4. HOUSING	25-38%				OTHER:
MORTGAGE/TAXES/RENT					Fitness/Sports
MAINTENANCE/REPAIRS					Hobbies
UTILITIES					Media Rental
Electric					Other
Gas						%
Water					9. PROF. SERVICES	5-15%
Trash					CHILD CARE
Telephone/Internet					MEDICAL/DENTAL/PRESC.
Cable TV					OTHER
Other					Legal
	%				Counseling
5. Auto/Transportation	12-15%				Professional Dues
CAR PAYMENT/LICENSE						%
GAS & BUS/TRAIN/PARKING					10. MISC. SMALL CASH ITEMS	2-3%
OIL/LUBE/MAINTENANCE
	%					%
_____________________________________________________________					TOTAL EXPENSES
* This number is a % of total monthly income.  The percentages above these numbers in the light green header line are guidelines you should consider for these categories of expenses and may be different for individual situations.  However, there should be good rationale for a significant variance.
					TOTAL MONTHLY INCOME
					TOTAL EXPENSES			%
					INCOME OVER/ (UNDER) EXPENSES