SPENDING PLAN jedID2= log=

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		Hello