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Name

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Welcome to the future in Mad City.
I

a job. You also have goals,


just
how much of your hard-earned
expenses, and bills. Now you need a budget so you'll know
money you can spend on day-to-day living expenses and, of course, how much you can save for
future needs and wants.

Congratulations! You graduated, maybe got married, and landed

Direclions

:.

. Complete My Spending & Savings Plan by

. Use this work sheet to determine how much

the end of the session.

money you will allocate to each category on


My Spending & Saving Plan.
. Visit all the Mad City merchants and make
purchases. You will pay each merchant with
your debit card.
'Visit the merchants in any order.
. Remember to balance your account every tiine
you make a transaction.

s
,E
.E

, Your goal is to end up with no more


than $100 in your checking account. That
means you can't be overdrawn. lt also means
that any rironey in excess of $t OO must be put
in saving6, used to reduce debt, or spent on
your goals.

My Income
Use the information on your "About Me" statement to complete this section.

$k hX"r
r firlf^
+ Spouse take-home salary (if married)

My take-home salary

v,b,,l;:EI.r,.

le

Subtotal
-

Student loan payment

Subtotal
-

Medical insurance copay

Total monthly household

2007-2010 Credit Union National Assooiation

lnp.

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Enter this amount as the


balance in the highlighted
section of your register.

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income $ *1"*t,

(This is the amount that has been direct deposited to the Credit Union)

Union

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My Housing
Visit Really Realty & Utilities. Make a housing choice and add up the total monthly costs.
Enter the total on My Spending & Savings Plan.

Mortgage/rent payment
Electricity/heat payment

*&3_
* \j5

Water,/sewer payment

*+{

lnsurance payment (optional)

+_+---'

Phone/cable/lnternet

*10

Total housing expenses

visft

r*,il",ii,fl .,*,r,*,

Enter this amount in your Debit Card Register


and subtract to find your balance remaining.

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&

My Transportation

Visit Big Wheels New & Used. Make transportation choices and add the total monthly cost
for yourself and your spouse. Enter the total on My Spending & Savings Plan.

Your transportation
Monthly payment

s 3n{
l*t,

Car insurance
Gas for month

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#hrrflherp?
new

Vehicle repair
Bus pass (if applicable)

Spouse's transportation
Monthly payment

Car insurance

5 35
$___o_
+o

Gas for month

\Z<

Vehicle repair

vo

Bus pass (if applicable)

Totat transportation expenses


@ 20o.7-2010 Credit Union National Association lnc.

& used

.f#ffi*,**h:

--/'

$7

Enter this amount in your Debit Card Register


and subtract to find your balance remaining.

Page 2..0f

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My Enterlainmerrt
Visit Fun Stuff to buy sports equipment, hobby supplies, movie and concert tickets, vacation packages, and more. Select at least 2 entertainment activities for each person age 2 or older in
your household, You can s6{ect only 1 free activity per person. Enter the total on My Spending
and Savings Plan.

L.IST

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'too

Activity
Activity

Cost $

+o

*O

Zod

Activity

Activity

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+b

tl^.b\l'5

+b

Activity \nnqr

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Activity

J+
rt

Activity

Activity

Need helP?

Total entertainment expen

visit Fun stuft

r." $ LL

Enter this amount in your Debit Card Register


and subtract to find your balance remaining.

My Furniture & Deco?ations


Visit Home Stuff. Select the furniture and decorative items you want for your home.
(Sorry, no sleeping on the floor!) Enter the total on My Spending & Savings Plan.

Decorative home items

$i&__
+6

Household needs

+t{

Furniture

Need help?
Yrsit llome

stuff

Total furniture & decorations expenses

$tq6

Enter this amount in your Debit Card Register


and subtract to find your balance remaining.

Page 3 ol 7
O 2007-2010 Credit Union National.4ssociation lnc

My Clothing &'Personal care

Visit the fashion consultant at My Closet. Select the type of clothing you will purchase'
Determine the type of personal care supplies and services you need for yourself and your spouse.
Enter the total on My Spending & Savings Plan.

Clothing for me

a5

Clothing for spouse

?(

,,.xd:;g,

+L5

Personal care for me


Personal care for spouse

Total clothing & personal care expenses

$ llL

Enter this amount in your Debit Card Register


and subtract to find your balance remaining.
*o

Wants & E><tras

Visit Mad City Mall. Select any number of optional special purchases you want for you and your
family. Enter the total on My Spending & Savings Plan.

LIST

Want 5

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want f l.,.,

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f lruu tt"

Q6

Cost $

f 1"" n"

*i{

+ 1-{

Want
I

tn.n'{.tct. }o^.do"a

Total wants & extra expenses

Want

Need help?
_
yisit
ilfrad

Cityrnalt

Io

Want
Want

?t

Enter this amount in your Debit Card Register


and subtract to find your balance remaining.

@ 2OO7-2010 Credit Union National Association lnc.

,.^fagg.4 ol 7

My Meals
Visit Gotta Eat! Select the kind of food you will eat for each week. You do not need to eat the same
foods all month. lnclude how much you will spend on drinking coffee and eating out. Enter the total
on My Spending & Savings Plan under "Food."

Week 1 food

I
:,

f'

$* l5o

Week 2 food

*-,,

15-

Week 3 food

+i

[Do

VO

!o
o

Week 4 food

( Q- times per month@ 0(o per time)


Eat out fine dining ( L times per month@ tl.,o per time)
Eat out fast food

+15 ^/

Coffee for me +

Need helP?

Coffee for spouse

& dinins
tood
visit crtt';til

Total food expenses $

57L

Enter this amount in your Debit Card Register


and subtract to find your balance remaining.

My Ghildren
Visit Kid Care to select clothing and care for your child.

. You must purchase clothing for your child regardless of age.


. lf your child is 3 years or younger, you must purchase diapers.

'

Because you are working you must hire child care.

. lf your child is 1 year or younger, you must buy formula.


Enter the total on My Spending & Savings Plan.

Clothins

$--\0-Need help?
Visit (rd
care

Diapers +
Formula +

Child care

+ ?-5O

Presents, books, toys +

Total child expenses

3o

$ L1O

Enter this amount in your Debit Card Register


and subtract to find your balance remaining.
@

2007-2010 Credit Union National Association lnc.

Page 5 ol 7

Saving & Conirilrutions


Determine what you are saving for and deduct the amount you will save for your goal. Determine the
charitable contributions you want to make. Visit the Credit Union to deposit your check for savings
and/or contributions. Enter the total on My Spending & Savings

Plan.

OeS'ca^^rn{-

<u.O

Deposited in savings each mont h

$@-

I'm saving for

Deposited in savings each month

+ "tGo

I'm saving for

Deposited in savings each month +

l'm saving 1or

Need helP?

Visit the
Credit Union

$ 35O

Total allocated to savings and contributions

:Enter this amount in your Debit Card Register


ahd subtract to find your balance remaining.

My Debt
Owe nothing on your credit cards? Great! Skip this section. lf you owe, read on!
Enter the total amount you owe on your credit card. You must pay more than the minimum'amount
owed each month. lf you can afford it, pay off the entire amount. Visit the Credit Union and write a
check for your debt payment. Enter the total on My Spending & Savings Plan.

Total amount owed times 4o/o = minimum credit card payment


(Credit card debt x .04 = minimum credit card payment)

(tql

x.o4=S__j1

My minimum payment

is f 1 ' ;e

Extra payment over minimum

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Total ciedit card payment


\

$ Rt''''"t

-u

Irleed helo?

yrbrt

th;

,:
sredit
union

Enter this amount in your Debit Card Register


and subtract to find your balance remaining.

l._

@ 2007-2010 Credit Union National Association lnc.

Page 6 of 7

Uh oh, I didn't plan for this.


Life happens. Pay to the Fickle Finger of Fate for the unexpected bill you receive. Enter the total on.
My Savings & Spending Plan under "Emergencies."
Unexpected expenses $
Unexpected expenses

t50

++

Total unexpected expenses

$59-

Enter this amount in your Debit Card Register


and subtract to find your balance remaining.

Great! An unexpected windfall


Life happens. Sometimes you get unexpected income. ln Mad City, all windfalls are deposited in
retirement accounts. Visit the Credit Union to open your retirement account with the check you
received from the Ficlele Finger of Fate. Enter the total under "Retirement Account" on My Savings &
Spending Plan.
i
f

i"

Windfall income $.
Windfall income +

Total windfall

income

$ ?

Enter this amount in your Debit Card Register


and subtract to find your balance remaining.

DID YOU VISIT ALL THE MERCHANTS?

lf yes, great. Now you can complete My


less in your checking account.

Savings & Spending Plan. Make sure you have $1OO or

lf no, time to get a move on. You have stores to shop and items to buy for your family.

.t

@ 2OO7-2O1O Credit Union National Association lnb.

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