BUDGET WORK SHEET

*INCOME	Current $ Amount	% of Income	Goal Amount	Income % Goal
*Wages & Tips
*Interest Income
*Dividends
*Gifts Received
*Refunds/Reimbursements
*Financial Aid
*Rental Income
*INCOME-Other
TO SAVINGS
Emergency Fund
Retirement Fund
College Fund
Investments
Taxes
Vacation Fund
SAVINGS -Other
CHARITY/GIFTS
Tithing
Charitable Donations
Religious Donations
Gifts
Christmas
CHARITY - Other
HOUSING
*Mortgage/Rent
*Home/Rental Insurance
*Real Estate Taxes
Furnishings/Appliances
Lawn/Garden
Maintenance/Supplies
Improvements
*HOUSING - Other
UTILITIES
Electricity
Gas/Oil
Water/Sewer/Trash
UTILITIES CONTINUED	Current $ Amount	% of Income	Goal Amount	Income % Goal
Phone
Internet/Cable/Satellite
UTILITIES - Other
FOOD
Groceries
Dining/Eating Out
Pet Food
FOOD - Other
TRANSPORTATION
*Vehicle Payments
Auto Insurance
Fuel
Bus/Taxi/Train Fare
Repairs/Tires
Registration/License
TRANSPORTATION - Other
HEALTH
Health Insurance
Disability Insurance
Doctor/Dentist/Optometrist
Medicine/Drugs
Health Club Dues
Life Insurance
Veterinarian/Pet Care
HEALTH - Other
DAILY LIVING
Clothing
Education
Personal Supplies
Cleaning Services
Laundry/Dry Cleaning
Salon/Barber
DAILY LIVING - Other
CHILDREN
Babysitting/Child Care
Children: Clothing
Medical
Music Lessons
CHILDREN CONTINUED	Current $ Amount	% of Income	Goal Amount	Income % Goal
School Tuition
School Lunch
School Supplies
Toys/Games
CHILDREN - Other
OBLIGATIONS
*Student Loan
*Other Loan
*Credit Card #1
*Credit Card #2
*Credit Card #3
*Alimony/Child Support
Federal Taxes
State/Local Taxes
Legal Fees
OBLIGATIONS - Other
BUSINESS EXPENSE
Deductible Expenses
Non-Deductible Expenses
BUSINESS - Other
ENTERTAINMENT
Vacation/Travel
Videos/DVDs
Music
Games
Rentals
Movies/Theater
Concerts/Plays
Books
Hobbies
Film/Photos
Sports
Outdoor Recreation
Toys/Gadgets
ENTERTAINMENT - Other
SUBSCRIPTIONS
Newspaper
Magazines
SUBSCRIPTIONS CONTINUED	Current $ Amount	% of Income	Goal Amount	Income % Goal
Dues/Memberships
SUBSCRIPTIONS - Other
MISCELLANEOUS
Bank Fees
Postage
MISC - Other

* denotes items creditors use to calculate the gross debt-to-income ratio.

In addition installment and revolving accounts, they also include

homeowners insurance, association dues, and real estate taxes.