BUDGET

Income Per Mth July 2005 Salary (Mike)Net Salary (Fran)Net 1,899.96 Other (Net Take Home) 400.00 TOTAL MONTHLY INCOME % Guide* 1. Giving 10% Tithe 200 Other Contrib. World Vission 25 NET SPENDABLE INCOME (Total Income Less Giving) % Guide* 2. Savings 3. Housing Mortgage Taxes Insurance Maintaince Electrical Derrells Storage House Phone Mike & Fran Cell Evan Cell Erics Cell Comcast Cable 5-10% 25-38% 1,200.00 4. Loan Payments Frans Car Payment Master Card Mikes Sears Mastercard Sears Other 0-10% 262.47 334 50 75 100 $312.47 7. Household/Persona Food Household items Cosmetics Barber Laundry/cleaning Books Gifts Education Clothing Allowance Other $400.00 8. Professional Service Dental Medical/Presc Legal Union Dues Evans Braces pymt Other $662.15 9. Entertainment Dinning Out Lunches Movies/Events Vacation Trips Health Club Hobbies Other 5-22% 400 $450.00 Income vs Expense: $2,074.96 Less Total Expenses $3,886.88 Income Over (Under) $1,811.92 Expenses Frans Car insurance pymt is every 3 months We could save $500 a mth if Evan and Eric paid their ins ans cell phone Food and Gas are conservative estimates $270.00
4000 3500

$2,299.96

50

77.94 152.5 33.08 74.94 53.17 65.79 95.05

Wells Fargo Bank Loans Credit Union $2,074.96 Family Friends Other 5. Auto/Transportation Licences Gas Oil/Lube $1,752.47 Repairs Parking Registration Other 6. Insurance Life Medical Dental Frans Car Insur Evans Car Insur Erics Mercury Ins Mikes Truck Insu Other

5% 400 90.65

5-15% 150

BUDGET
TOTAL MONTHLY INCOME 1. Giving

3000

2. Savings 3. Housing 4. Loan Payments

5. Auto/Transportation

120

145.45 5% 57.48 5-10% 100 40 100 $240.00

2500

2000
1500 1000 500

6. Insurance 7. Household/Persona

230 155.67 219

8. Professional Service 9. Entertainment

0
1

Income vs Expense:
Income Over (Under)

BUDGET January Expenses

Income Per Mth July 2005 Salary (Mike)Net Salary (Fran)Net 1,899.96 Other (Net Take Home) 400.00 TOTAL MONTHLY INCOME % Guide* 1. Giving 10% Tithe 25 Other Contrib. World Vission 25 NET SPENDABLE INCOME (Total Income Less Giving) % Guide* 2. Savings 3. Housing Mortgage Taxes Insurance Maintaince Electrical Derrells Storage House Phone Mike & Fran Cell Evan Cell Erics Cell Comcast Cable 5-10% 25-38% 0.00 4. Loan Payments Frans Car Payment Master Card Mikes Sears Mastercard Sears Other 0-10% 262.47 334 50 75 100

$2,299.96

519.39 77.94 152.5 33.08 74.94 53.17 65.79 95.05

Wells Fargo Bank Loans Credit Union $2,074.96 Family Friends Other 5. Auto/Transportation Licences Gas Oil/Lube $1,752.47 Repairs Parking Registration Other 6. Insurance Life Medical Dental Frans Car Insur Evans Car Insur Erics Mercury Ins Mikes Truck Insu Other

5% 400 90.65

$312.47 7. Household/Perso Food Household item Cosmetics Barber Laundry/cleanin Books Gifts Education Clothing Allowance Other $400.00 8. Professional Serv Dental Medical/Presc Legal Union Dues Evans Braces pym

145.45 5% 57.48

230 155.67 219

Other $662.15 9. Entertainment Dinning Out Lunches Movies/Events Vacation Trips Health Club Hobbies Other

uary Expenses
7. Household/Persona Food Household items Cosmetics Barber Laundry/cleaning Books Gifts Education Clothing Allowance Other 8. Professional Service Dental Medical/Presc Legal Union Dues Evans Braces pymt Other 9. Entertainment Dinning Out Lunches Movies/Events Vacation Trips Health Club Hobbies Other 5-22% 400 $450.00 Income vs Expense: $2,074.96 Less Total Expenses $3,886.88 Income Over (Under) $1,811.92 Expenses Frans Car insurance pymt is every 3 months We could save $500 a mth if Evan and Eric paid their ins ans cell phone Food and Gas are conservative estimates $270.00
4000 3500 3000

50

5-15% 150

120

2500 2000

5-10% 100 40 100

$240.00

1500 1000 500 0 1

BUDGET January Expenses TOTAL MONTHLY INCOME 1. Giving 2. Savings 3. Housing 4. Loan Payments 5. Auto/Transportation 6. Insurance 7. Household/Persona 8. Professional Service 9. Entertainment Income vs Expense: Income Over (Under)

BUDGET February Expenses

Income Per Mth July 2005 Salary (Mike)Net Salary (Fran)Net 1,899.96 Other (Net Take Home) 400.00 TOTAL MONTHLY INCOME % Guide* 1. Giving 10% Tithe 25 Other Contrib. World Vission 25 NET SPENDABLE INCOME (Total Income Less Giving) % Guide* 2. Savings 3. Housing Mortgage Taxes Insurance Maintaince Electrical Derrells Storage House Phone Mike & Fran Cell Evan Cell Erics Cell Comcast Cable 5-10% 25-38% 637.47 4. Loan Payments Frans Car Payment Master Card Mikes Sears Mastercard Sears Other 0-10% 262.47 334 50 75 100

$2,299.96

85 77.94 152.5 33.08 74.94 53.17 65.79 95.05

Wells Fargo Bank Loans Credit Union $2,074.96 Family Friends Other 5. Auto/Transportation Licences Gas Oil/Lube $1,189.94 Repairs Parking Registration Other 6. Insurance Life Medical Dental Frans Car Insur Evans Car Insur Erics Mercury Ins Mikes Truck Insu Other

5% 400 90.65

$312.47 7. Household/Perso Food Household item Cosmetics Barber Laundry/cleanin Books Gifts Education Clothing Allowance Other $400.00 8. Professional Serv Dental Medical/Presc Legal Union Dues Evans Braces pym

145.45 5% 57.48

230 155.67 219

Other $662.15 9. Entertainment Dinning Out Lunches Movies/Events Vacation Trips Health Club Hobbies Other

ruary Expenses
7. Household/Persona Food Household items Cosmetics Barber Laundry/cleaning Books Gifts Education Clothing Allowance Other 8. Professional Service Dental Medical/Presc Legal Union Dues Evans Braces pymt Other 9. Entertainment Dinning Out Lunches Movies/Events Vacation Trips Health Club Hobbies Other 5-22% 400 $450.00 Income vs Expense: $2,074.96 Less Total Expenses $3,886.88 Income Over (Under) $1,811.92 Expenses Frans Car insurance pymt is every 3 months We could save $500 a mth if Evan and Eric paid their ins ans cell phone Food and Gas are conservative estimates $270.00
4000 3500 3000

50

5-15% 150

120

2500 2000

5-10% 100 40 100

$240.00

1500 1000 500 0 1

BUDGET February Expenses TOTAL MONTHLY INCOME 1. Giving 2. Savings 3. Housing 4. Loan Payments 5. Auto/Transportation 6. Insurance 7. Household/Persona 8. Professional Service 9. Entertainment Income vs Expense: Income Over (Under)

BUDGET March Expenses

Income Per Mth July 2005 Salary (Mike)Net 2,200.45 Salary (Fran)Net 1,899.96 Other (Net Take Home) 400.00 TOTAL MONTHLY INCOME % Guide* 1. Giving 10% Tithe 25 Other Contrib. World Vission 25 NET SPENDABLE INCOME (Total Income Less Giving) % Guide* 2. Savings 3. Housing Mortgage Taxes Insurance Maintaince Electrical Derrells Storage House Phone Mike & Fran Cell Evan Cell Erics Cell Comcast Cable 5-10% 236 25-38% 552.47 4. Loan Payments Frans Car Payment Master Card Mikes Sears Mastercard Sears Other 0-10% 262.47 334 50 75 100

$4,500.41

77.94 152.5 33.08 74.94 53.17 65.79 95.05

Wells Fargo Bank Loans Credit Union $2,074.96 Family Friends Other 5. Auto/Transportation Licences Gas Oil/Lube $1,104.94 Repairs Parking Registration Other 6. Insurance Life Medical Dental Frans Car Insur Evans Car Insur Erics Mercury Ins Mikes Truck Insu Other

5% 400 90.65

$312.47 7. Household/Perso Food Household item Cosmetics Barber Laundry/cleanin Books Gifts Education Clothing Allowance Other $400.00 8. Professional Serv Dental Medical/Presc Legal Union Dues Evans Braces pym

145.45 5% 57.48

230 155.67 219

Other $662.15 9. Entertainment Dinning Out Lunches Movies/Events Vacation Trips Health Club Hobbies Other

arch Expenses
7. Household/Persona Food Household items Cosmetics Barber Laundry/cleaning Books Gifts Education Clothing Allowance Other 8. Professional Service Dental Medical/Presc Legal Union Dues Evans Braces pymt Other 9. Entertainment Dinning Out Lunches Movies/Events Vacation Trips Health Club Hobbies Other 5-22% 400 $450.00 Income vs Expense: $2,074.96 Less Total Expenses $3,886.88 Income Over (Under) $1,811.92 Expenses Frans Car insurance pymt is every 3 months We could save $500 a mth if Evan and Eric paid their ins ans cell phone Food and Gas are conservative estimates $270.00
5000 4500 4000

50

5-15% 150

120

3500 3000 2500

5-10% 100 40 100

$240.00

2000 1500 1000 500 0 1

BUDGET March Expenses TOTAL MONTHLY INCOME 1. Giving 2. Savings 3. Housing 4. Loan Payments 5. Auto/Transportation 6. Insurance 7. Household/Persona 8. Professional Service 9. Entertainment Income vs Expense: Income Over (Under)

BUDGET April Expenses

Income Per Mth July 2005 Salary (Mike)Net Salary (Fran)Net 1,899.96 Other (Net Take Home) 400.00 TOTAL MONTHLY INCOME % Guide* 1. Giving 10% Tithe 114 Other Contrib. 89 World Vission 25 NET SPENDABLE INCOME (Total Income Less Giving) % Guide* 2. Savings 3. Housing Mortgage Taxes Insurance Maintaince Electrical Derrells Storage House Phone Mike & Fran Cell Evan Cell Erics Cell Comcast Cable 5-10% 25-38% 552.47 4. Loan Payments Frans Car Payment Master Card Mikes Sears Mastercard Sears Other 0-10% 262.47 334 50 75 100

$2,299.96

77.94 152.5 33.08 74.94 53.17 65.79 95.05

Wells Fargo Bank Loans Credit Union $2,074.96 Family Friends Other 5. Auto/Transportation Licences Gas Oil/Lube $1,104.94 Repairs Parking Registration Other 6. Insurance Life Medical Dental Frans Car Insur Evans Car Insur Erics Mercury Ins Mikes Truck Insu Other

5% 400 90.65

$312.47 7. Household/Perso Food Household item Cosmetics Barber Laundry/cleanin Books Gifts Education Clothing Allowance Other $400.00 8. Professional Serv Dental Medical/Presc Legal Union Dues Evans Braces pym

145.45 5% 57.48

230 155.67 219

Other $662.15 9. Entertainment Dinning Out Lunches Movies/Events Vacation Trips Health Club Hobbies Other

pril Expenses
7. Household/Persona Food Household items Cosmetics Barber Laundry/cleaning Books Gifts Education Clothing Allowance Other 8. Professional Service Dental Medical/Presc Legal Union Dues Evans Braces pymt Other 9. Entertainment Dinning Out Lunches Movies/Events Vacation Trips Health Club Hobbies Other 5-22% 400 $450.00 Income vs Expense: $2,074.96 Less Total Expenses $3,886.88 Income Over (Under) $1,811.92 Expenses Frans Car insurance pymt is every 3 months We could save $500 a mth if Evan and Eric paid their ins ans cell phone Food and Gas are conservative estimates $270.00
4000 3500 3000

50

5-15% 150

120

2500 2000

5-10% 100 40 100

$240.00

1500 1000 500 0 1

BUDGET April Expenses TOTAL MONTHLY INCOME 1. Giving 2. Savings 3. Housing 4. Loan Payments 5. Auto/Transportation 6. Insurance 7. Household/Persona 8. Professional Service 9. Entertainment Income vs Expense: Income Over (Under)

BUDGET May Expenses

Income Per Mth July 2005 Salary (Mike)Net Salary (Fran)Net 1,899.96 Other (Net Take Home) 400.00 TOTAL MONTHLY INCOME % Guide* 1. Giving 10% Tithe 25 Other Contrib. World Vission 25 NET SPENDABLE INCOME (Total Income Less Giving) % Guide* 2. Savings 3. Housing Mortgage Taxes Insurance Maintaince Electrical Derrells Storage House Phone Mike & Fran Cell Evan Cell Erics Cell Comcast Cable 5-10% 25-38% 486.68 4. Loan Payments Frans Car Payment Master Card Mikes Sears Mastercard Sears Other 0-10% 262.47 334 50 75 100

$2,299.96

77.94 152.5 33.08 74.94 53.17 65.79 95.05

Wells Fargo Bank Loans Credit Union $2,074.96 Family Friends Other 5. Auto/Transportation Licences Gas Oil/Lube $1,039.15 Repairs Parking Registration Other 6. Insurance Life Medical Dental Frans Car Insur Evans Car Insur Erics Mercury Ins Mikes Truck Insu Other

5% 400 90.65

$312.47 7. Household/Perso Food Household item Cosmetics Barber Laundry/cleanin Books Gifts Education Clothing Allowance Other $400.00 8. Professional Serv Dental Medical/Presc Legal Union Dues Evans Braces pym

145.45 5% 57.48

230 155.67 219

Other $662.15 9. Entertainment Dinning Out Lunches Movies/Events Vacation Trips Health Club Hobbies Other

May Expenses
7. Household/Persona Food Household items Cosmetics Barber Laundry/cleaning Books Gifts Education Clothing Allowance Other 8. Professional Service Dental Medical/Presc Legal Union Dues Evans Braces pymt Other 9. Entertainment Dinning Out Lunches Movies/Events Vacation Trips Health Club Hobbies Other 5-22% 400 $450.00 Income vs Expense: $2,074.96 Less Total Expenses $3,373.77 Income Over (Under) $1,298.81 Expenses Frans Car insurance pymt is every 3 months We could save $500 a mth if Evan and Eric paid their ins ans cell phone Food and Gas are conservative estimates $270.00
3500 3000 2500

50

5-15% 150

120
2000

5-10% 100 40 100

$240.00

1500 1000 500 0 1

BUDGET May Expenses TOTAL MONTHLY INCOME 1. Giving 2. Savings 3. Housing 4. Loan Payments 5. Auto/Transportation 6. Insurance 7. Household/Persona 8. Professional Service 9. Entertainment Income vs Expense: Income Over (Under)

BUDGET June Expenses

Income Per Mth July 2005 Salary (Mike)Net Salary (Fran)Net 1,899.96 Other (Net Take Home) 400.00 TOTAL MONTHLY INCOME % Guide* 1. Giving 10% Tithe 92 Other Contrib. 67 World Vission 25 NET SPENDABLE INCOME (Total Income Less Giving) % Guide* 2. Savings 3. Housing Mortgage Taxes Insurance Maintaince Electrical Derrells Storage House Phone Mike & Fran Cell Evan Cell Erics Cell Comcast Cable 5-10% 25-38% 552.47 4. Loan Payments Frans Car Payment Master Card Mikes Sears Mastercard Sears Other 0-10% 262.47 334 50 75 100

$2,299.96

77.94 152.5 33.08 74.94 53.17 65.79 95.05

Wells Fargo Bank Loans Credit Union $2,074.96 Family Friends Other 5. Auto/Transportation Licences Gas Oil/Lube $1,104.94 Repairs Parking Registration Other 6. Insurance Life Medical Dental Frans Car Insur Evans Car Insur Erics Mercury Ins Mikes Truck Insu Other

5% 400 90.65

$312.47 7. Household/Perso Food Household item Cosmetics Barber Laundry/cleanin Books Gifts Education Clothing Allowance Other $400.00 8. Professional Serv Dental Medical/Presc Legal Union Dues Evans Braces pym

145.45 5% 57.48

230 155.67 219

Other $662.15 9. Entertainment Dinning Out Lunches Movies/Events Vacation Trips Health Club Hobbies Other

ne Expenses
7. Household/Persona Food Household items Cosmetics Barber Laundry/cleaning Books Gifts Education Clothing Allowance Other 8. Professional Service Dental Medical/Presc Legal Union Dues Evans Braces pymt Other 9. Entertainment Dinning Out Lunches Movies/Events Vacation Trips Health Club Hobbies Other 5-22% 400 $450.00 Income vs Expense: $2,074.96 Less Total Expenses $3,886.88 Income Over (Under) $1,811.92 Expenses Frans Car insurance pymt is every 3 months We could save $500 a mth if Evan and Eric paid their ins ans cell phone Food and Gas are conservative estimates $270.00
4000 3500 3000

50

5-15% 150

120

2500 2000

5-10% 100 40 100

$240.00

1500 1000 500 0 1

BUDGET June Expenses TOTAL MONTHLY INCOME 1. Giving 2. Savings 3. Housing 4. Loan Payments 5. Auto/Transportation 6. Insurance 7. Household/Persona 8. Professional Service 9. Entertainment Income vs Expense: Income Over (Under)

Income Per Mth July 2005 Salary (Mike)Net Salary (Fran)Net 1,899.96 Other (Net Take Home) 400.00 TOTAL MONTHLY INCOME % Guide* 1. Giving 10% Tithe 25 Other Contrib. World Vission 25 NET SPENDABLE INCOME (Total Income Less Giving) % Guide* 2. Savings 3. Housing Mortgage Taxes Insurance Maintaince Electrical Derrells Storage House Phone Mike & Fran Cell Evan Cell Erics Cell Comcast Cable 5-10% 25-38% 552.47

4. Loan Payments Frans Car Payment Master Card Mikes Sears Mastercard Sears Other

0-10% 262.47 334 50 75 100

$1,899.96

77.94 152.5 33.08 74.94 53.17 65.79 95.05

Wells Fargo Bank Loans Credit Union $2,074.96 Family Friends Other 5. Auto/Transportation Licences Gas Oil/Lube #VALUE! Repairs Parking Registration Other 6. Insurance Life Medical Dental Frans Car Insur Evans Car Insur Erics Mercury Ins Mikes Truck Insu Other Other

5% 400 90.65

$312.47 7. Household/Perso Food Household item Cosmetics Barber Laundry/cleanin Books Gifts Education Clothing Allowance Other $400.00 8. Professional Serv Dental Medical/Presc Legal Union Dues Evans Braces pym

145.45 5% 57.48

230 155.67 219

Other $662.15 9. Entertainment Dinning Out Lunches Movies/Events Vacation Trips Health Club Hobbies Other Other

7. Household/Persona Food Household items Cosmetics Barber Laundry/cleaning Books Gifts Education Clothing Allowance Other 8. Professional Service Dental Medical/Presc Legal Union Dues Evans Braces pymt Other 9. Entertainment Dinning Out Lunches Movies/Events Vacation Trips Health Club Hobbies Other Other

5-22% 400

$450.00 Income vs Expense: $2,074.96 Less Total Expenses $3,886.88 Income Over (Under) $1,811.92 Expenses Frans Car insurance pymt is every 3 months We could save $500 a mth if Evan and Eric paid their ins ans cell phone Food and Gas are conservative estimates $270.00
4000 3500

50

5-15% 150

120

3000 2500

5-10% 100 40 100

$240.00

2000 1500 1000 500 0 1

0-10% TOTAL MONTHLY INCOME 1. Giving 2. Savings 3. Housing Frans Car Payment Licences Life Food Dental Dinning Out Income vs Expense: Income Over (Under)

BUDGET August Expenses

Income Per Mth July 2005 Salary (Mike)Net Salary (Fran)Net 1,899.96 Other (Net Take Home) 400.00 TOTAL MONTHLY INCOME % Guide* 1. Giving 10% Tithe 25 Other Contrib. World Vission 25 NET SPENDABLE INCOME (Total Income Less Giving) % Guide* 2. Savings 3. Housing Mortgage Taxes Insurance Maintaince Electrical Derrells Storage House Phone Mike & Fran Cell Evan Cell Erics Cell Comcast Cable 5-10% 25-38% 552.47 4. Loan Payments Frans Car Payment Master Card Mikes Sears Mastercard Sears Other 0-10% 262.47 334 50 75 100

$2,299.96

77.94 152.5 33.08 74.94 53.17 65.79 95.05

Wells Fargo Bank Loans Credit Union $2,074.96 Family Friends Other 5. Auto/Transportation Licences Gas Oil/Lube $1,104.94 Repairs Parking Registration Other 6. Insurance Life Medical Dental Frans Car Insur Evans Car Insur Erics Mercury Ins Mikes Truck Insu Other

5% 400 90.65

$312.47 7. Household/Perso Food Household item Cosmetics Barber Laundry/cleanin Books Gifts Education Clothing Allowance Other $400.00 8. Professional Serv Dental Medical/Presc Legal Union Dues Evans Braces pym

145.45 5% 57.48

230 155.67 219

Other $662.15 9. Entertainment Dinning Out Lunches Movies/Events Vacation Trips Health Club Hobbies Other

gust Expenses
7. Household/Persona Food Household items Cosmetics Barber Laundry/cleaning Books Gifts Education Clothing Allowance Other 8. Professional Service Dental Medical/Presc Legal Union Dues Evans Braces pymt Other 9. Entertainment Dinning Out Lunches Movies/Events Vacation Trips Health Club Hobbies Other 5-22% 400 $450.00 Income vs Expense: $2,074.96 Less Total Expenses $3,886.88 Income Over (Under) $1,811.92 Expenses Frans Car insurance pymt is every 3 months We could save $500 a mth if Evan and Eric paid their ins ans cell phone Food and Gas are conservative estimates $270.00
4000 3500 3000

50

5-15% 150

120

2500 2000

5-10% 100 40 100

$240.00

1500 1000 500 0 1

BUDGET August Expenses TOTAL MONTHLY INCOME 1. Giving 2. Savings 3. Housing 4. Loan Payments 5. Auto/Transportation 6. Insurance 7. Household/Persona 8. Professional Service 9. Entertainment Income vs Expense: Income Over (Under)

BUDGET SeptemberExpenses
Income Per Mth July 2005 Salary (Mike)Net Salary (Fran)Net 1,899.96 Other (Net Take Home) 400.00 TOTAL MONTHLY INCOME % Guide* 1. Giving 10% Tithe 25 Other Contrib. World Vission 25 NET SPENDABLE INCOME (Total Income Less Giving) % Guide* 2. Savings 3. Housing Mortgage Taxes Insurance Maintaince Electrical Derrells Storage House Phone Mike & Fran Cell Evan Cell Erics Cell Comcast Cable 5-10% 25-38% 552.47 4. Loan Payments Frans Car Payment Master Card Mikes Sears Mastercard Sears Other 0-10% 262.47 334 50 75 100

$2,299.96

77.94 152.5 33.08 74.94 53.17 65.79 95.05

Wells Fargo Bank Loans Credit Union $2,074.96 Family Friends Other 5. Auto/Transportation Licences Gas Oil/Lube $1,104.94 Repairs Parking Registration Other 6. Insurance Life Medical Dental Frans Car Insur Evans Car Insur Erics Mercury Ins Mikes Truck Insu Other

5% 400 90.65

$312.47 7. Household/Perso Food Household item Cosmetics Barber Laundry/cleanin Books Gifts Education Clothing Allowance Other $400.00 8. Professional Serv Dental Medical/Presc Legal Union Dues Evans Braces pym

145.45 5% 57.48

230 155.67 219

Other $662.15 9. Entertainment Dinning Out Lunches Movies/Events Vacation Trips Health Club Hobbies Other

emberExpenses
7. Household/Persona Food Household items Cosmetics Barber Laundry/cleaning Books Gifts Education Clothing Allowance Other 8. Professional Service Dental Medical/Presc Legal Union Dues Evans Braces pymt Other 9. Entertainment Dinning Out Lunches Movies/Events Vacation Trips Health Club Hobbies Other 5-22% 400 $450.00 Income vs Expense: $2,074.96 Less Total Expenses $3,886.88 Income Over (Under) $1,811.92 Expenses Frans Car insurance pymt is every 3 months We could save $500 a mth if Evan and Eric paid their ins ans cell phone Food and Gas are conservative estimates $270.00
4000 3500 3000

50

5-15% 150

120

2500 2000

5-10% 100 40 100

$240.00

1500 1000 500 0 1

BUDGET SeptemberExpenses TOTAL MONTHLY INCOME 1. Giving 2. Savings 3. Housing 4. Loan Payments 5. Auto/Transportation 6. Insurance 7. Household/Persona 8. Professional Service 9. Entertainment Income vs Expense: Income Over (Under)

BUDGET October Expenses

Income Per Mth July 2005 Salary (Mike)Net Salary (Fran)Net 1,899.96 Other (Net Take Home) 400.00 TOTAL MONTHLY INCOME % Guide* 1. Giving 10% Tithe 100 Other Contrib. 75 World Vission 25 NET SPENDABLE INCOME (Total Income Less Giving) % Guide* 2. Savings 3. Housing Mortgage Taxes Insurance Maintaince Electrical Derrells Storage House Phone Mike & Fran Cell Evan Cell Erics Cell Comcast Cable 5-10% 25-38% 552.47 4. Loan Payments Frans Car Payment Master Card Mikes Sears Mastercard Sears Other 0-10% 262.47 334 50 75 100

$2,299.96

77.94 152.5 33.08 74.94 53.17 65.79 95.05

Wells Fargo Bank Loans Credit Union $2,074.96 Family Friends Other 5. Auto/Transportation Licences Gas Oil/Lube $1,104.94 Repairs Parking Registration Other 6. Insurance Life Medical Dental Frans Car Insur Evans Car Insur Erics Mercury Ins Mikes Truck Insu Other

5% 400 90.65

$312.47 7. Household/Perso Food Household item Cosmetics Barber Laundry/cleanin Books Gifts Education Clothing Allowance Other $400.00 8. Professional Serv Dental Medical/Presc Legal Union Dues Evans Braces pym

145.45 5% 57.48

230 155.67 219

Other $662.15 9. Entertainment Dinning Out Lunches Movies/Events Vacation Trips Health Club Hobbies Other

ober Expenses
7. Household/Persona Food Household items Cosmetics Barber Laundry/cleaning Books Gifts Education Clothing Allowance Other 8. Professional Service Dental Medical/Presc Legal Union Dues Evans Braces pymt Other 9. Entertainment Dinning Out Lunches Movies/Events Vacation Trips Health Club Hobbies Other 5-22% 400 $450.00 Income vs Expense: $2,074.96 Less Total Expenses $3,886.88 Income Over (Under) $1,811.92 Expenses Frans Car insurance pymt is every 3 months We could save $500 a mth if Evan and Eric paid their ins ans cell phone Food and Gas are conservative estimates $270.00
4000 3500 3000

50

5-15% 150

120

2500 2000

5-10% 100 40 100

$240.00

1500 1000 500 0 1

BUDGET October Expenses TOTAL MONTHLY INCOME 1. Giving 2. Savings 3. Housing 4. Loan Payments 5. Auto/Transportation 6. Insurance 7. Household/Persona 8. Professional Service 9. Entertainment Income vs Expense: Income Over (Under)

BUDGET November Expenses

Income Per Mth July 2005 Salary (Mike)Net Salary (Fran)Net 1,899.96 Other (Net Take Home) 400.00 TOTAL MONTHLY INCOME % Guide* 1. Giving 10% Tithe 282 Other Contrib. 257 World Vission 25 NET SPENDABLE INCOME (Total Income Less Giving) % Guide* 2. Savings 3. Housing Mortgage Taxes Insurance Maintaince Electrical Derrells Storage House Phone Mike & Fran Cell Evan Cell Erics Cell Comcast Cable 5-10% 25-38% 552.47 4. Loan Payments Frans Car Payment Master Card Mikes Sears Mastercard Sears Other 0-10% 262.47 334 50 75 100

$2,299.96

77.94 152.5 33.08 74.94 53.17 65.79 95.05

Wells Fargo Bank Loans Credit Union $2,074.96 Family Friends Other 5. Auto/Transportation Licences Gas Oil/Lube $1,104.94 Repairs Parking Registration Other 6. Insurance Life Medical Dental Frans Car Insur Evans Car Insur Erics Mercury Ins Mikes Truck Insu Other

5% 400 90.65

$312.47 7. Household/Perso Food Household item Cosmetics Barber Laundry/cleanin Books Gifts Education Clothing Allowance Other $400.00 8. Professional Serv Dental Medical/Presc Legal Union Dues Evans Braces pym

145.45 5% 57.48

230 155.67 219

Other $662.15 9. Entertainment Dinning Out Lunches Movies/Events Vacation Trips Health Club Hobbies Other

ember Expenses
7. Household/Persona Food Household items Cosmetics Barber Laundry/cleaning Books Gifts Education Clothing Allowance Other 8. Professional Service Dental Medical/Presc Legal Union Dues Evans Braces pymt Other 9. Entertainment Dinning Out Lunches Movies/Events Vacation Trips Health Club Hobbies Other 5-22% 400 $450.00 Income vs Expense: $2,074.96 Less Total Expenses $3,886.88 Income Over (Under) $1,811.92 Expenses Frans Car insurance pymt is every 3 months We could save $500 a mth if Evan and Eric paid their ins ans cell phone Food and Gas are conservative estimates $270.00
4000 3500 3000 2500

50

5-15% 150

120

5-10% 100 40 100

$240.00

2000 1500 1000 500 0 1

BUDGET November Expenses TOTAL MONTHLY INCOME 1. Giving 2. Savings 3. Housing 4. Loan Payments 5. Auto/Transportation 6. Insurance 7. Household/Persona 8. Professional Service 9. Entertainment Income vs Expense: Income Over (Under)

BUDGET December Expenses

Income Per Mth July 2005 Salary (Mike)Net Salary (Fran)Net 1,899.96 Other (Net Take Home) 400.00 TOTAL MONTHLY INCOME % Guide* 1. Giving 10% Tithe 148 Other Contrib. 123 World Vission 25 NET SPENDABLE INCOME (Total Income Less Giving) % Guide* 2. Savings 3. Housing Mortgage Taxes Insurance Maintaince Electrical Derrells Storage House Phone Mike & Fran Cell Evan Cell Erics Cell Comcast Cable 5-10% 25-38% 552.47 4. Loan Payments Frans Car Payment Master Card Mikes Sears Mastercard Sears Other 0-10% 262.47 334 50 75 100

$2,299.96

77.94 152.5 33.08 74.94 53.17 65.79 95.05

Wells Fargo Bank Loans Credit Union $2,074.96 Family Friends Other 5. Auto/Transportation Licences Gas Oil/Lube $1,104.94 Repairs Parking Registration Other 6. Insurance Life Medical Dental Frans Car Insur Evans Car Insur Erics Mercury Ins Mikes Truck Insu Other

5% 400 90.65

$312.47 7. Household/Perso Food Household item Cosmetics Barber Laundry/cleanin Books Gifts Education Clothing Allowance Other $400.00 8. Professional Serv Dental Medical/Presc Legal Union Dues Evans Braces pym

145.45 5% 57.48

230 155.67 219

Other $662.15 9. Entertainment Dinning Out Lunches Movies/Events Vacation Trips Health Club Hobbies Other

mber Expenses
7. Household/Persona Food Household items Cosmetics Barber Laundry/cleaning Books Gifts Education Clothing Allowance Other 8. Professional Service Dental Medical/Presc Legal Union Dues Evans Braces pymt Other 9. Entertainment Dinning Out Lunches Movies/Events Vacation Trips Health Club Hobbies Other 5-22% 400 $450.00 Income vs Expense: $2,074.96 Less Total Expenses $3,886.88 Income Over (Under) $1,811.92 Expenses Frans Car insurance pymt is every 3 months We could save $500 a mth if Evan and Eric paid their ins ans cell phone Food and Gas are conservative estimates $270.00
4000 3500 3000 2500

50

5-15% 150

BUDGET Decem Expenses TOTAL MONTHL 1. Giving

120

2. Savings 3. Housing

5-10% 100 40 100

$240.00

2000 1500 1000 500 0 1

4. Loan Paymen

5. Auto/Transpo 6. Insurance

7. Household/P

8. Professional S

9. Entertainmen

Income vs Expe

BUDGET December Expenses TOTAL MONTHLY INCOME 1. Giving 2. Savings 3. Housing 4. Loan Payments 5. Auto/Transportation 6. Insurance 7. Household/Persona 8. Professional Service 9. Entertainment Income vs Expense:

BUDGET TOTALS Expenses

Income Per Mth July 2005 Salary (Mike)Net Salary (Fran)Net 1,899.96 Other (Net Take Home) 400.00 TOTAL MONTHLY INCOME % Guide* 1. Giving 10% Tithe 25 Other Contrib. World Vission 25 NET SPENDABLE INCOME (Total Income Less Giving) % Guide* 2. Savings 3. Housing Mortgage Taxes Insurance Maintaince Electrical Derrells Storage House Phone Mike & Fran Cell Evan Cell Erics Cell Comcast Cable 5-10% 25-38% 552.47 4. Loan Payments Frans Car Payment Master Card Mikes Sears Mastercard Sears Other 0-10% 262.47 334 50 75 100 $312.47 7. Household/Persona Food Household items Cosmetics Barber Laundry/cleaning Books Gifts Education Clothing Allowance Other $400.00 8. Professional Service Dental Medical/Presc Legal Union Dues Evans Braces pymt Other $662.15 9. Entertainment Dinning Out Lunches Movies/Events Vacation Trips Health Club Hobbies Other 5-22% 400 $450.00 Income vs Expense: $2,074.96 Less Total Expenses $3,886.88 Income Over (Under) $1,811.92 Expenses Frans Car insurance pymt is every 3 months We could save $500 a mth if Evan and Eric paid their ins ans cell phone Food and Gas are conservative estimates $270.00
4000 3500 3000 2500

$2,299.96

50

77.94 152.5 33.08 74.94 53.17 65.79 95.05

Wells Fargo Bank Loans Credit Union $2,074.96 Family Friends Other 5. Auto/Transportation Licences Gas Oil/Lube $1,104.94 Repairs Parking Registration Other 6. Insurance Life Medical Dental Frans Car Insur Evans Car Insur Erics Mercury Ins Mikes Truck Insu Other

5% 400 90.65

5-15% 150

BUDGET TOTALS Expenses TOTAL MONTHLY INCOME 1. Giving

120

2. Savings 3. Housing 4. Loan Payments

145.45 5% 57.48 5-10% 100 40 100 $240.00

2000 5. Auto/Transportation 1500 1000 500 0 1 6. Insurance 7. Household/Persona 8. Professional Service 9. Entertainment Income vs Expense: Income Over (Under)

230 155.67 219