new

GIFT & HOLIDAY

SPENDING ANNUALLY

   
 

Holiday's are some of the best times of the year. Recovering from the holiday's financially can be a detrimental experience. Lets plan our holiday spending to ensure a great experience before and after the holidays. Place the names of everyone you will buy for during these holidays and budget the amounts spent on each person. These amounts will be automatically put into your cash flow system. This will allow you to save each month to eliminate the spur of the moment holiday spend while budgeting for each person for each holiday.

 

Name

Valentines Day

Easter

Mothers Day

Fathers Day

July 4th

Birthdays

Anniversary

Christmas

Total

 

1

   

2

   

3

   

4

   

5

   

6

   

7

   

8

   

9

   

10

   

11

   

12

   

13

   

14

   

15

   

16

   

17

   

18

   

19

   

20

   
     


MONTHLY INCOME

Income 1

 

Income Shifting from taxes

   

Planned Yearly Spending

Extra Income 1

 

Rental Income

   

One of the most overlooked items in planned spending is annual spending. Spending that does not take place on a monthly basis but will be spent. Please place the estimated amount you plan to spend ayearthese amounts will be placed automatically in our cash flow system.

Total monthly income

 

Total Income 2

$-

     

Yearly Amount

Monthly Amount

                   

Savings

CHARATABLE DONATIONS

Projected

Actual

Difference

 

PERSONAL CARE

Projected

Cost

Actual

Cost

Difference

 

Clothing

Tithing

 

Medical

 

Licence Plates

Offering

 

Hair/nails

 

Vacation

Other Giving

 

Hyguine

 

Gifts & holidays

Subtotals

 

Health club

 

Donations

         

Health Insurance

 

personal Care

Savings & Investments

 

Life Insurace

 

Entertainment

Pay Yourself First (PYF)

 

Subtotals

 

Housing

Savings 1

           

Transportation

Savings 2

 

ENTERTAINMENT

Projected

Cost

Actual

Cost

Difference

 

Food

Retirement 1

 

Movies

 

Debt

Retirement 2

 

Out on the town

 

Childern

Other

 

Organization dues or fee

 

Total Amount

Subtotals

 

Family Events

         

Subtotals

HOUSING

Projected Cost

Actual Cost

Difference

         

First Mortgage

 

Children

Projected

Cost

Actual

Cost

Difference

Second Mortgage

 

Daycare / Afterschool

Homeowners Association

 

Child Support

Taxes

 

Other

Rent/Owners Insurance

 

Subtotals

Electric

         

Gas

 

CLOTHING

Projected

Cost

Actual

Cost

Difference

Water

 

Shopping

Trash

 

Dry Cleaning

Maintenance

 

Subtotals

Other

         

Subtotals

 

DEBT

Projected

Cost

Actual

Cost

Difference

         

Visa - Chase

TRANSPORTATION

Projected Cost

Actual Cost

Difference

 

Visa - Navy Fed

Vehicle payment 1

 

Visa - NCSECU

Vehicle payment 2

 

Visa - BOA

Insurance

 

Personal Loan

License Plates

 

Student Loan

Fuel

 

Other

Maintenance

 

Subtotal

Other

         

Subtotals

 

Personal

Projected

Cost

Actual

Cost

Difference

         

Me Money

FOOD

Projected Cost

Actual Cost

Difference

 

Cell Phone

Groceries

 

College Fund

Lunch

 

Internet

Fast Food

 

Gifts & Holidays

Dining out

 

Vacation

Other

 

Education

Subtotals

 

Subtotal

                 

TOTAL MONTHLY EXPENSES

 

PERCENTAGE METER

TOTAL CASHFLOW ADJUSTMENTS

 

NET INCOME/LOSS

     
     
     
     
     
     
     


 

PERCENTAGE TOTALS

 
 
   

Recommended

Percentage

Actual

Percentage

Difference

Adjustment

Note

 

Charatable Donations

 
 

Savings & Investments

 
 

Housing

 
 

Transportation

 
 

Food

 
 

Personal Care

 
 

Entertainment

 
 

Children

 
 

Clothing

 
 

Debt

 
 

Personal

 
 

Total

   
           
 

Remember all you have is 100 percent! Anything over is living today off tomorrow expectations.


Projected Expenses

Projected Income

 

Actual Expenses

Projected Income


Personal Financial Statement

Assets

 

Personal Financial Statement

Liabilities

Name:

 

Date:

Total Assets

Total Liabilities

 

Net Worth

 

Total Assets

Total Liabilities

 

Net Worth

     

LIQUIDASSETS (what you own)

         

LIABILITIES (what you owe)

       

CASH AND BANK ACCOUNTS

   

Amount

 

CURRENT DEBTS

   

Amount

       

21

Cash on hand

     

Total Credit Card

   

Checkng Accounts

     

Department Store Cards

   

Savings accounts

     

Student Loan

   

Money market funds

     

Back Taxes

   

Other

     

Child Support

   

Other

     

Alimony

   

Other

     

Medical

   

Other

     

Other (specify)

   
 

TOTAL CASH AND BANK ACCOUNTS

     

TOTAL CURRENT DEBTS

   
 

INVESTMENTS (market value)

   

Amount

 

LOANS

   

Amount

       

1

Mutual Funds

     

Bank/Finance company

   

Certificates of deposit

     

Bank/Finance company

   

Stocks

     

Bank/Finance company

   

Savings Bonds

     

Automobile 1

   

Money Market Account

     

Automobile 2

   

Annuities

     

Student Loans

   

Traditional IRA

     

Life Insurance

   

Roth IRA

     

Personal (from family or friends)

   

401(k), 403(b), 457 Plans

     

Recreational Vehicle/Boat

   

Pension Plan

     

Retirement Accounts

   

Keogh Plan

     

Other (specify)

   

Other

     

Other

   
 

TOTAL INVESTMENTS

     

TOTAL LOANS

   
 

PERSONAL PROPERTY (present value)

   

Amount

 

MORTGAGE

   

Amount

 

Automobiles

     

Principle Residence

   

Recreational Vehicle/Boat

     

Second Mortgage

   

Home Furnishings

     

Second Residense

   

Appliances and Furniture

     

Land

   

Collectibles and Antiques

     

Income Property

   

Jewerly

     

Income Property

   

Electrical Equipment

     

Other (specify)

   

Furs

     

Other (specify)

   

Other

     

Other (specify)

   

Other

   
 

TOTAL PERSONAL PROPERTY

     

TOTAL MORTGAGE

   
 
 

Real Estate/Property

         

Misceleanous

       
 

Principle Balance

     

Other

   

Second Balance

     

Other

   

Land

     

Other

   

Income Property

     

Other

   

Income Property

     

Other

   

Other

     

Other

   
 

TOTAL PERSONAL PROPERTY

     

TOTAL OTHER

   
 

TOTAL ASSETS

     

TOTAL LIABILITIES

   


Watch Your Cash Flow Grow

 

Watch Your Cash Flow Grow

 

Watch Your Cash Flow Grow

 

Watch Your Cash Flow Grow

 

Watch Your Cash Flow Grow

 

Starting balance

   

Starting balance

   

Starting balance

   

Starting balance

   

Starting balance

   

January

Feburary

March

April

May

June

July

August

September

October

November

Devember

     

January

Feburary

March

April

May

June

July

August

September

October

November

Devember

     

January

Feburary

March

April

May

June

July

August

September

October

November

Devember

     

January

Feburary

March

April

May

June

July

August

September

October

November

Devember

     

January

Feburary

March

April

May

June

July

August

September

October

November

Devember

Income

                           

Income

                           

Income

                           

Income

                           

Income

                         
 

Ambassador Program

   

Ambassador Program

   

Ambassador Program

   

Ambassador Program

   

Ambassador Program

 

Income 2

   

Income 2

   

Income 2

   

Income 2

   

Income 2

 

Income 3

   

Income 3

   

Income 3

   

Income 3

   

Income 3

 

Income 4

   

Income 4

   

Income 4

   

Income 4

   

Income 4

Total

   

Total

   

Total

   

Total

   

Total

 
                                                                                                                                                   
                                                                                                                                                   
                                                                                                                                                   

Expenses

                           

Expenses

                           

Expenses

                           

Expenses

                           

Expenses

                         
 

Debt

   

Debt

   

Debt

   

Debt

   

Debt

 

Liabilities

   

Liabilities

   

Liabilities

   

Liabilities

   

Liabilities

 

Misc

   

Misc

   

Misc

   

Misc

   

Misc

                                                                                                                                                   

Total

   

Total

   

Total

   

Total

   

Total

 

Monthly Net

   

Monthly Net

   

Monthly Net

   

Monthly Net

   

Monthly Net

 

Cash Carry Over

   

Cash Carry Over

   

Cash Carry Over

   

Cash Carry Over

   

Cash Carry Over