Budget Worksheet

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TITLE="http://www.theravive.com"><U><IMG SRC="83da03c0.jpg" border=0 width="160" height="60" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></U></A></div> <bR> </td> <td valign="top" BGCOLOR="#DDDDDD" TEXT="#080000"> <bR> <div> <TABLE BORDER="0" CELLPADDING="2" CELLSPACING="1" WIDTH="720" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 276 ><NOBR><div> Instructions</div> <div> <TABLE BORDER="0" CELLPADDING="2" CELLSPACING="1" WIDTH="402" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="23"><div> 1.</div> </tD> <tD VALIGN=TOP><NOBR><div> Print out 3 copies of the following worksheet</div> </NOBR></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 38 WIDTH="23"><div> 2.</div> </tD> <tD VALIGN=TOP WIDTH="368"><div> Together, agree on an approximate monthly income you will be working with when you get married.</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 38 WIDTH="23"><div> 3.</div> </tD> <tD VALIGN=TOP WIDTH="368"><div> Separately, each of you fill in the budget.  The only rule is that expenses cannot be more than income.</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 76 WIDTH="23"><div> 4.</div> </tD> <tD VALIGN=TOP WIDTH="368"><div> Compare your budgets.  You'll likely discover areas where you have some disagreement on how money should be spent.  You'll also discover areas where you simply don't know how much stuff costs.</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 38 WIDTH="23"><div> 5.</div> </tD> <tD VALIGN=TOP WIDTH="368"><div> Work together to create a budget that you both can agree to.</div> </tD> </tR> </TABLE></div> <bR> </NOBR></tD> <tD VALIGN=TOP BGCOLOR=#BBBBBB WIDTH="300"><div> <B>You can download a self-calcualting copy of this worksheet in either Excel or Wordperfect.  Enter your amounts, and the worksheet does the math.</B></div> <bR> <div> <B> <TABLE BORDER="0" CELLPADDING="2" CELLSPACING="1" WIDTH="341" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 38 WIDTH="48"><div> <B><IMG SRC="5c11f1f0.jpg" border=0 width="31" height="31" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></div> </tD> <tD VALIGN=TOP BGCOLOR=#BBBBBB WIDTH="282"><div> <B> <a href="HTMLobj-2038/Budget_Worksheet_Excel.xls"><u>Excel Worksheet</u> </a>  </B></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 49 ><NOBR><div> <B><IMG SRC="5c22d2a0.jpg" border=0 width="45" height="42" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></div> </NOBR></tD> <tD VALIGN=TOP WIDTH="282"><div> <B> <a href="HTMLobj-2039/Budget_Worksheet.wpd"><u>WordPerfect Worksheet</u> </a>  </B></div> </tD> </tR> </TABLE></B></div> <bR> </tD> </tR> </TABLE></div> <bR> <div> <TABLE BORDER="2" CELLPADDING="1" CELLSPACING="1" WIDTH="702" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="88"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="88" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Approximate Monthly Income</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="88"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="88" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="100"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="100" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="494"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="494" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="88"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="88" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="100"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="100" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="494"><div> Expenses</div> </tD> </tR> <tR> <tD VALIGN=TOP ROWSPAN=2 HEIGHT= 19 WIDTH="88"><div> Charity</div> </tD> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Gifts to your Faith Group</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Other Charity</div> </tD> </tR> <tR> <tD VALIGN=TOP ROWSPAN=3 HEIGHT= 19 WIDTH="88"><div> Savings</div> </tD> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP><NOBR><div> Savings & emergency (ideally six months of living expenses)</div> </NOBR></tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Retirement Savings (ideally 10% of income)</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Other Savings</div> </tD> </tR> <tR> <tD VALIGN=TOP ROWSPAN=13 HEIGHT= 19 WIDTH="88"><div> Home Expenses</div> </tD> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Home mortgage payment</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP><NOBR><div> Home insurance (usually included in your mortgage payment)</div> </NOBR></tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP><NOBR><div> Property Taxes (usually included in your mortgage payment)</div> </NOBR></tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Gas</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Electricity</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Water</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Home Telephone</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Cell Phone</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Home Improvement</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Home Furnishings</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Home Repairs</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Cable Television</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Other Home Expenses</div> </tD> </tR> <tR> <tD VALIGN=TOP ROWSPAN=3 HEIGHT= 19 WIDTH="88"><div> Taxes</div> </tD> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Federal Income Tax Savings</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> State Income Tax Savings (if applicable)</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Self-Employment Taxes (if applicable)</div> </tD> </tR> <tR> <tD VALIGN=TOP ROWSPAN=2 HEIGHT= 19 WIDTH="88"><div> Life and Health Insurance</div> </tD> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Life insurance</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Health & accident insurance</div> </tD> </tR> <tR> <tD VALIGN=TOP ROWSPAN=5 HEIGHT= 19 WIDTH="88"><div> Auto Expenses</div> </tD> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Auto Loan Payment</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Auto insurance</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Auto Repair</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Auto Gas and Oil</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Auto Registration</div> </tD> </tR> <tR> <tD VALIGN=TOP ROWSPAN=2 HEIGHT= 19 WIDTH="88"><div> Food</div> </tD> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Groceries                            </div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Dining Out</div> </tD> </tR> <tR> <tD VALIGN=TOP ROWSPAN=8 HEIGHT= 19 WIDTH="88"><div> Personal Expenses</div> </tD> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Clothing</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Subscriptions</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> School expenses</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Cleaning, laundry</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Allowances</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Toiletries, cosmetics</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Gifts: birthdays, weddings, etc.</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Gifts: Christmas</div> </tD> </tR> <tR> <tD VALIGN=TOP ROWSPAN=3 HEIGHT= 19 WIDTH="88"><div> Medical</div> </tD> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Medical & dental</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Medications</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Hospital</div> </tD> </tR> <tR> <tD VALIGN=TOP ROWSPAN=3 HEIGHT= 19 WIDTH="88"><div> Debt</div> </tD> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div>  School Loans</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Credit Card Debt</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div>  Other Debt</div> </tD> </tR> <tR> <tD VALIGN=TOP ROWSPAN=3 HEIGHT= 19 WIDTH="88"><div> Fun</div> </tD> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Recreation</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Vacation</div> </tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Movies and Entertainment</div> </tD> </tR> <tR> <tD VALIGN=TOP ROWSPAN=4 HEIGHT= 19 WIDTH="88"><div> Everything Else!</div> </tD> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="494" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="494" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="494" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="494" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="88"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="88" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Total Expenses</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="88"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="88" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="100"><div> $</div> </tD> <tD VALIGN=TOP WIDTH="494"><div> Income Minus Expenses</div> </tD> </tR> </TABLE></div> <bR> </td> 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