Transcription
THE BASICMONEYMANAGEMENTWORKBOOKA Twelve Month Spending Planfor Financial Peace of Mind- Abridged Edition -A Stand-Alone Workbook &Supplement to the Girl! Book Seriesby Glinda F. Bridgforth
THE BASIC MONEYMANAGEMENT WORKBOOKA Twelve Month Program for Financial Peace of MindAbridged Edition:The 12-Month Spending Planand Daily Tracking SheetsGlinda F. BridgforthBridgforth rthfinancial.com
Copyright 2008 Glinda F. BridgforthAll rights reserved under International and Pan-American CopyrightConventionsPublished in the U.S.AOriginal Design by Natalia JacopettiFirst Edition Published 1994 Morris PublishingBridgforth Financial1300 Lafayette East, Suite 2302, Detroit, Michigan 48207Tel: (313) 566-0026 Fax: (313) 887-9546
ContentsAuthor’s Note .1Spending Plan.2Sample Monthly Spending Plan .6Sample Daily Tracking .8Spending Plan Annual Recap .1012-Month Spending Plan Work Sheets.11-169
Author’s NoteThe Spending Plan is an essential element in gettingyour money straight and making it grow. I have usedit with clients in my financial counseling practice since starting my business in 1990. By creating a plan you assess yourneeds and wants. By tracking your spending you can identify areas of waste and excess. It helps you set perimetersaround your spending. This abridged edition differs fromthe original workbook in that it includes only a sample of theplanning and tracking worksheets along with instructions onhow they should be completed. There are no exercises ordebt reduction worksheets and strategies. In this abridgedversion you will find the key components that can help youcreate financial stability and fiscal freedom. Use them consistently and enjoy the journey to financial peace of mind.-1-
SpendingPlanIREMEMBER MY FIRST REACTion to hearing the term “Spendingoverwhelmed can lead to “financialparalysis:” not opening mail, not pay-Plan.” I thought it sounded ominous,ing bills, not corresponding withand wondered suspiciously, “What isthis; how can it manage my moneycreditors, not taking care of yourself.better?” After looking at the format, itTo begin your Spending Plan,didn’t take long to understand whythe term “Spending Plan” was morefirst relax and breathe deeply. Focusyour attention on yourself and yourappropriate than the word “budget,”needs. Let go of feelings of limitation.with its negative connotations. Budgeting had always brought up resis-Visualize somewhere between realistically what you can afford and ideallytance and feelings of stress, challenge,meeting all your needs. Some peoplediscipline, lack, sacrifice, deprivationand failure. Failure because I hadmay find this process extremely difficult because they have never felt com-never in the past been able to make afortable examining their own needs.budget work and I had never metanyone who had been successful withBe aware of feelings that come up during this process and of any areas thatone.take an excessively long time to com-In time, I came to realize that theplete. The behaviors could be indicators of factors contributing to yourSpending Plan is the key to mastering“Emotional Money Inventory.” Youyour money. Its purpose is not to limityour spending but to identify whatmay want to go back and exploresome of those feelings.you need for quality of life that has asense of balance and well being. Theplan helps you to anticipate and beUse the steps below in completingthe Spending Plan for the appropriateprepared for expenses so as not tomonth you begin the program. Pagethrow yourself into chaos and not beoverwhelmed when trying to meetnumbers shown refer to the SamplePages 6-10 which can be used formonthly expenses. Sometimes beingguidance.-2-
Spending Planor whatever you estimate as yourmonthly expense for housing.Step One: The Monthly PlanUnder Household Items, list gar-Locate the column entitled“Monthly Plan” on the Monthly Spend-food items you buy for the house.ing Plan form (see page 6). As you godown this column, write in the amountof money you feel will be necessary tomeet your monthly needs and to makeThis number refersyou to specific sampleforms on pages 6-10.They are given so thatyou may follow alongwith the directions.Under Housing, list mortgage, rent,bage bags, paper towels, cleaningsupplies, light bulbs and other nonUnder Self Care, write in anamount for exercise or other selfimprovement activities.you feel whole and complete. This is anestimate. You may spend more or less,Under Recovery (Spiritual Self Improvement), write down what youyou may adjust that number later, buttithe at church and/or what youfor now put an amount there.spend on a therapist or supportgroup.Again, as you work your waythrough the monthly column, if youUnder Dependent Care, be sure tofind there are areas you really strugglewith, it usually means that area needslist everything you are spendingfor your children and your parents.exploring. One client I had could notIt can be very revealing—if you areget past the first category—groceries.When I started coaching her, she gotgiving to others, but not to yourselfyou may suddenly “act out” inreally teary. We discovered that theresome other way.had always been lots of fights in herfamily around the dining room table.Under Transportation, be sure toallow an ample amount for main-In addition, as a child she wasn’t nourished properly. As an adult she stillstruggles with trying to buy food forherself, never has much in the refrigerator, and feels guilty whenever shegoes out to eat. Creating positive actiontenance.Under Entertainment, make sureyou maintain balance in your life.Under Savings, develop a consis-steps and affirmations really helpedtency and break it down if youlike—so much towards a car, spe-her to attain a new level of awareness.cial purchase, cushion, etc.categories on your Spending Plan, hereUnder Business Expenses, write inall expenses.are a few items to take note of:Under Income, in addition to fillingAs you go through the rest of thein the amount of your salary for amonth, be sure to include reimbursement for business expenses.-3-
Spending PlanStep Two: Calculate Cash FlowIn the Monthly Category Recapsection (see page 7), fill in the monthlyplan totals for each expense category.The total amount from each category isyour total spending estimate for amonth. Now add the income sectionand transfer the amount to total income.Next, calculate your cash on handat the beginning of the month, including wallet, house petty cash and checking account balances. Your cash onhand added to your estimated monthlyincome will be your Monthly Incometotal. Below that enter your estimatedMonthly Expenses Total. Subtractingthe Monthly Expenses Total from Cashon Hand and Monthly Income Total isyour Cash Flow, either a positive or anegative number. If you Cash Flow ispositive, great! You can now analyzeever possible form your expenses, yourCash Flow still comes up negative, youshould begin to explore ways of increasing your income.A college student I worked withhad a negative cash flow of 300. Beingin school, she only had limited extratime for working. Her friends said shecould never earn 300 in the time shehad. But she called and said, “Glinda, ifI hadn’t put it all down on paper andfocused on it, believing in what had tobe done, I never would have found thisjob that pays me the exact amount Ineed for the hours that I can work!”You may not be able to find the extra time or the extra job that will bringin additional income, but there may beother things you can do. There mightbe something you can sell, or youmight want to have a garage sale. Orperhaps you could eliminate a serviceexpense by making a trade of serviceswith someone. The main idea is toidentify your needs and develop thethat amount and make decisions to in-plan for getting your goals met.crease spending in areas where youhave been somewhat conservative, orStep Three: Daily Tracking &Monthly Recapyou may allocate additional dollars tothe investment part of your SpendingPlan or you may make extra paymentsThere are two forms involved inthis part of the process: the Dailyon your debt. If your Cash Flow isTracking (see page 8) of actual expen-negative, you can deal with it as well.It’s what you have to know; for exam-ditures for a week, and the MonthlySpending Plan (see page 6) for totalingple, it will take an additional 500 afour weeks of Daily Tracking. Thismonth to make sure your needs aremet in every category. So you must ei-process provides for a comparison ofactual expenditures with the estimatedther increase your income or decreasemonthly plan totals.your expenses. If after shaving wher--4-
Spending PlanOn the Daily Tracking form foreach month, track all the money thatyou spend, item by item, day by day. Ifyou buy 10 worth of gas, put thatdown. But if you use a credit card writethe amount down in a different colorink. Don’t add it in with your total because you didn’t actually pay cash out.Credit will show up under debt repayment when you pay for your creditcard, but color coding will still allowyou to know how much money is outand where it is going. There are fivedaily tracking forms for each month.Add the daily “expenditures” across.The weekly totals should be carriedover to the Monthly Spending Plan forweeks 1-5. Total the expenditures“across,” then transfer to the MonthlyRecap section so you can comparewhat you thought you would spendwith what you actually spent. By doingthis tracking, you will begin to discoverThis may seem like a lot of workbut it quickly becomes second natureand you will be amazed at what youwill discover. You may find yourselfsuddenly spending money that wasn’tin your estimate at all, and then havingto take nibbles out of some of yourother areas; this may suggest that youneed to build your monthly estimatedifferently. You may begin to noticeunexpected rhythms and patterns toyour spending. But whatever you begin to learn, know without a doubt thatyour willingness to dedicate yourself tothis process will yield amazing results.It’s all part of becoming consciousaround money. The attention that youpay to money matters is what eventually leads you out of murky helplessness and into a position of power andcontrol.Step Four: Spending PlanAnnual RecapThe Spending Plan Annual Recaphow accurate your estimates were andyou will get a much better idea of what(see page 10) should be completed atthe end of each month. Transfer theyour REAL needs are on a monthlyactual expenses from the Monthlybasis. It is important to do a SpendingPlan monthly because your needsCategory Recap to this form. Trackingand analyzing these expenses on achange monthly and you can providemonthly basis can alert you to fluctua-for birthdays and other anticipatedspecial purchases for that month.tions in spending patterns that maywarrant your attention.-5-
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-SAMPLESpending Plan Annual ERSELF-CARERECOVERYDEPENDENT CARETRANSPORTATIONENTERTAINMENTINVESTMENTSMONTHY ALLOCATIONSMISCELLANEOUSDEBT REPAYMENTONE-TIME EXPENSESBUSINESS EXPENSESTOTAL EXPENSESTOTAL INCOMECASH ON HANDINCOMETOTAL INCOMEEXPENSES -CASH FLOW- 10 -
Blank WorkSheetsIn this section you will find enough blank copies of the Spending Plan,Daily Tracking Sheet, and Spending Plan Annual Recap for a 12-month time frame. A simple way to stay organized is to place the worksheets in a 3-ring binder with monthly index tabs. If you are starting thisprocess mid-year, begin with the appropriate month at the beginning ofyour binder and move the preceeding months to the end of your workbook. I also recommend you consider purchasing 12 pocket folders sowhen bills come in they can be placed in the appropriate month for easyaccessibility.Happy Tracking!- 11 -
JanuaryWork Sheets- 12 -
JANUARY Spending k1wk2wk3wk4wk5motlDEPENDENT ater/GarbageGas & ElectricCableNewspaperInternetHousehold ItemsHousekeeperInsuranceTRANSPORTATIONCar PaymentGasMaintenanceParking/TollsBus/Pubic TransportInsuranceTotalsENTERTAINMENTMoviesDVD RentalConcerts/TheaterDatingTotalsSELF cureMassageMedicalDry Clnrs/LndryLife/Disab InsTotalsRECOVERY/SELF IMPROVEMENTSpiritualTherapyFinancial CnslgTotalsTotalsINVESTMENTSSavings (Cushion)VacationRetirementTotalsMONTHLY ALLOCATIONSTaxesCar RegistrationTotalsMISCELLANEOUSTotals- 13 -
JANUARY Spending Plan (continued)mnthplanwk1wk2wk3wk4wk5motlMONTHLY CATEGORY RECAPMonthPlanDEBT REPAYMENTTotalsONE-TIME EXPENSESMonthActual -FOODSHELTERSELF-CARERECOVERYDEPENDENT CARETRANSPORTATIONENTERTAINMENTINVESTMENTSMONTHY ALLOCATIONSMISCELLANEOUSDEBT REPAYMENTONE-TIME EXPENSESBUSINESS EXPENSESTOTAL EXPENSESTotalsBUSINESS EXPENSESRentPhoneOffice SuppliesPostageTOTAL INCOMECASH ON HANDINCOMETOTAL INCOMEEXPENSES -CASH FLOWTotalsINCOMETotals- 14 -
Daily Trackingmontue wed isatsuntlWeek 1 / January/montue wed thurfriYearsatsunDEPENDENT PhoneWater/GarbageGas & ElectricCableNewspaperInternetHousehold ItemsHousekeeperInsuranceTRANSPORTATIONCar PaymentGasMaintenanceParking/TollsBus/Pubic TrnsprtInsuranceTotalsENTERTAINMENTMoviesDVD RentalConcerts/TheaterDatingTotalsSELF cureMassageMedicalDry Clnrs/LndryLife/Disab InsTotalsRECOVERY/SELF IMPROVEMENTSpiritualTherapyFinancial CnslgTotalsTotalsINVESTMENTSSavings (Cushion)VacationRetirementTotalsMONTHLY ALLOCATIONSTaxesCar RegistrationTotalsMISCELLANEOUSTotals- 15 -tl
Daily Tracking (continued)montuewedthurfrisatsuntlDEBT REPAYMENTTotalsONE-TIME EXPENSESTotalsBUSINESS EXPENSESRentPhoneOffice SuppliesPostageTotalsINCOMETotals- 16 -
Daily Trackingmontue wed isatsuntlWeek 2 / Januarymontue wed thurfriYearsatsunDEPENDENT PhoneWater/GarbageGas & ElectricCableNewspaperInternetHousehold ItemsHousekeeperInsuranceTRANSPORTATIONCary PaymentGasMaintenanceParking/TollsBus/Pubic TrnsprtInsuranceTotalsENTERTAINMENTMoviesDVD RentalConcerts/TheaterDatingTotalsSELF cureMassageMedicalDry Clnrs/LndryLife/Disab InsTotalsRECOVERY/SELF IMPROVEMENTSpiritualTherapyFinancial CnslgTotalsTotalsINVESTMENTSSavings (Cushion)VacationRetirementTotalsMONTHLY ALLOCATIONSTaxesCar RegistrationTotalsMISCELLANEOUSTotals- 17 -tl
Daily Tracking (continued)montuewedthurfrisatsuntlDEBT REPAYMENTTotalsONE-TIME EXPENSESTotalsBUSINESS EXPENSESRentPhoneOffice SuppliesPostageTotalsINCOMETotals- 18 -
Daily Trackingmontue wed isatsuntlWeek 3 / January/montue wed thurfriYearsatsunDEPENDENT PhoneWater/GarbageGas & ElectricCableNewspaperInternetHousehold ItemsHousekeeperInsuranceTRANSPORTATIONCary PaymentGasMaintenanceParking/TollsBus/Pubic TrnsprtInsuranceTotalsENTERTAINMENTMoviesDVD RentalConcerts/TheaterDatingTotalsSELF cureMassageMedicalDry Clnrs/LndryLife/Disab InsTotalsRECOVERY/SELF IMPROVEMENTSpiritualTherapyFinancial CnslgTotalsTotalsINVESTMENTSSavings (Cushion)VacationRetirementTotalsMONTHLY ALLOCATIONSTaxesCar RegistrationTotalsMISCELLANEOUSTotals- 19 -tl
Daily Tracking (continued)montuewedthurfrisatsuntlDEBT REPAYMENTTotalsONE-TIME EXPENSESTotalsBUSINESS EXPENSESRentPhoneOffice SuppliesPostageTotalsINCOMETotals- 20 -
Daily Trackingmontue wed isatsuntlWeek 4 / January/montue wed thurfriYearsatsunDEPENDENT PhoneWater/GarbageGas & ElectricCableNewspaperInternetHousehold ItemsHousekeeperInsuranceTRANSPORTATIONCary PaymentGasMaintenanceParking/TollsBus/Pubic TrnsprtInsuranceTotalsENTERTAINMENTMoviesDVD RentalConcerts/TheaterDatingTotalsSELF cureMassageMedicalDry Clnrs/LndryLife/Disab InsTotalsRECOVERY/SELF IMPROVEMENTSpiritualTherapyFinancial CnslgTotalsTotalsINVESTMENTSSavings (Cushion)VacationRetirementTotalsMONTHLY ALLOCATIONSTaxesCar RegistrationTotalsMISCELLANEOUSTotals- 21 -tl
Daily Tracking (continued)montuewedthurfrisatsuntlDEBT REPAYMENTTotalsONE-TIME EXPENSESTotalsBUSINESS EXPENSESRentPhoneOffice SuppliesPostageTotalsINCOMETotals- 22 -
Daily Trackingmontue wed isatsuntlWeek 5 / Januarymontue wed thurfriYearsatsunDEPENDENT PhoneWater/GarbageGas & ElectricCableNewspaperInternetHousehold ItemsHousekeeperInsuranceTRANSPORTATIONCary PaymentGasMaintenanceParking/TollsBus/Pubic TrnsprtInsuranceTotalsENTERTAINMENTMoviesDVD RentalConcerts/TheaterDatingTotalsSELF cureMassageMedicalDry Clnrs/LndryLife/Disab InsTotalsRECOVERY/SELF IMPROVEMENTSpiritualTherapyFinancial CnslgTotalsTotalsINVESTMENTSSavings (Cushion)VacationRetirementTotalsMONTHLY ALLOCATIONSTaxesCar RegistrationTotalsMISCELLANEOUSTotals- 23 -tl
Daily Tracking (continued)montuewedthurfrisatsuntlDEBT REPAYMENTTotalsONE-TIME EXPENSESTotalsBUSINESS EXPENSESRentPhoneOffice SuppliesPostageTotalsINCOMETotals- 24 -
FebruaryWork Sheets- 25 -
FEBRUARY Spending k1wk2wk3wk4wk5motlDEPENDENT ater/GarbageGas & ElectricCableNewspaperInternetHousehold ItemsHousekeeperInsuranceTRANSPORTATIONCar PaymentGasMaintenanceParking/TollsBus/Pubic TransportInsuranceTotalsENTERTAINMENTMoviesDVD RentalConcerts/TheaterDatingTotalsSELF cureMassageMedicalDry Clnrs/LndryLife/Disab InsTotalsRECOVERY/SELF IMPROVEMENTSpiritualTherapyFinancial CnslgTotalsTotalsINVESTMENTSSavings (Cushion)VacationRetirementTotalsMONTHLY ALLOCATIONSTaxesCar RegistrationTotalsMISCELLANEOUSTotals- 26 -
FEBRUARY Spending Plan (continued)mnthplanwk1wk2wk3wk4wk5motlMONTHLY CATEGORY RECAPMonthPlanDEBT REPAYMENTTotalsONE-TIME EXPENSESMonthActual -FOODSHELTERSELF-CARERECOVERYDEPENDENT CARETRANSPORTATIONENTERTAINMENTINVESTMENTSMONTHY ALLOCATIONSMISCELLANEOUSDEBT REPAYMENTONE-TIME EXPENSESBUSINESS EXPENSESTOTAL EXPENSESTotalsBUSINESS EXPENSESRentPhoneOffice SuppliesPostageTOTAL INCOMECASH ON HANDINCOMETOTAL INCOMEEXPENSES -CASH FLOWTotalsINCOMETotals- 27 -
Daily TrackingWeek 1 / FebruaryYearmontue wed isatsuntlmontue wed thurfrisatsunDEPENDENT PhoneWater/GarbageGas & ElectricCableNewspaperInternetHousehold ItemsHousekeeperInsuranceTRANSPORTATIONCary PaymentGasMaintenanceParking/TollsBus/Pubic TrnsprtInsuranceTotalsENTERTAINMENTMoviesDVD RentalConcerts/TheaterDatingTotalsSELF cureMassageMedicalDry Clnrs/LndryLife/Disab InsTotalsRECOVERY/SELF IMPROVEMENTSpiritualTherapyFinancial CnslgTotalsTotalsINVESTMENTSSavings (Cushion)VacationRetirementTotalsMONTHLY ALLOCATIONSTaxesCar RegistrationTotalsMISCELLANEOUSTotals- 28 -tl
Daily Tracking (continued)montuewedthurfrisatsuntlDEBT REPAYMENTTotalsONE-TIME EXPENSESTotalsBUSINESS EXPENSESRentPhoneOffice SuppliesPostageTotalsINCOMETotals- 29 -
Daily TrackingWeek 2 / FebruaryYearmontue wed isatsuntlmontue wed thurfrisatsunDEPENDENT PhoneWater/GarbageGas & ElectricCableNewspaperInternetHousehold ItemsHousekeeperInsuranceTRANSPORTATIONCary PaymentGasMaintenanceParking/TollsBus/Pubic TrnsprtInsuranceTotalsENTERTAINMENTMoviesDVD RentalConcerts/TheaterDatingTotalsSELF cureMassageMedicalDry Clnrs/LndryLife/Disab InsTotalsRECOVERY/SELF IMPROVEMENTSpiritualTherapyFinancial CnslgTotalsTotalsINVESTMENTSSavings (Cushion)VacationRetirementTotalsMONTHLY ALLOCATIONSTaxesCar RegistrationTotalsMISCELLANEOUSTotals- 30 -tl
Daily Tracking (continued)montuewedthurfrisatsuntlDEBT REPAYMENTTotalsONE-TIME EXPENSESTotalsBUSINESS EXPENSESRentPhoneOffice SuppliesPostageTotalsINCOMETotals- 31 -
Daily Trackingmontue wed isatsuntlWeek 3 / Februarymontue wed thurfriYearsatsunDEPENDENT PhoneWater/GarbageGas & ElectricCableNewspaperInternetHousehold ItemsHousekeeperInsuranceTRANSPORTATIONCary PaymentGasMaintenanceParking/TollsBus/Pubic TrnsprtInsuranceTotalsENTERTAINMENTMoviesDVD RentalConcerts/TheaterDatingTotalsSELF cureMassageMedicalDry Clnrs/LndryLife/Disab InsTotalsRECOVERY/SELF IMPROVEMENTSpiritualTherapyFinancial CnslgTotalsTotalsINVESTMENTSSavings (Cushion)VacationRetirementTotalsMONTHLY ALLOCATIONSTaxesCar RegistrationTotalsMISCELLANEOUSTotals- 32 -tl
Daily Tracking (continued)montuewedthurfrisatsuntlDEBT REPAYMENTTotalsONE-TIME EXPENSESTotalsBUSINESS EXPENSESRentPhoneOffice SuppliesPostageTotalsINCOMETotals- 33 -
Daily Trackingmontue wed isatsuntlWeek 4 / February/montue wed thurfriYearsatsunDEPENDENT PhoneWater/GarbageGas & ElectricCableNewspaperInternetHousehold ItemsHousekeeperInsuranceTRANSPORTATIONCary PaymentGasMaintenanceParking/TollsBus/Pubic TrnsprtInsuranceTotalsENTERTAINMENTMoviesDVD RentalConcerts/TheaterDatingTotalsSELF cureMassageMedicalDry Clnrs/LndryLife/Disab InsTotalsRECOVERY/SELF IMPROVEMENTSpiritualTherapyFinancial CnslgTotalsTotalsINVESTMENTSSavings (Cushion)VacationRetirementTotalsMONTHLY ALLOCATIONSTaxesCar RegistrationTotalsMISCELLANEOUSTotals- 34 -tl
Daily Tracking (continued)montuewedthurfrisatsuntlDEBT REPAYMENTTotalsONE-TIME EXPENSESTotalsBUSINESS EXPENSESRentPhoneOffice SuppliesPostageTotalsINCOMETotals- 35 -
Daily Trackingmontue wed isatsuntlWeek 5 / Februarymontue wed thurfriYearsatsunDEPENDENT PhoneWater/GarbageGas & ElectricCableNewspaperInternetHousehold ItemsHousekeeperInsuranceTRANSPORTATIONCary PaymentGasMaintenanceParking/TollsBus/Pubic TrnsprtInsuranceTotalsENTERTAINMENTMoviesDVD RentalConcerts/TheaterDatingTotalsSELF cureMassageMedicalDry Clnrs/LndryLife/Disab InsTotalsRECOVERY/SELF IMPROVEMENTSpiritualTherapyFinancial CnslgTotalsTotalsINVESTMENTSSavings (Cushion)VacationRetirementTotalsMONTHLY ALLOCATIONSTaxesCar RegistrationTotalsMISCELLANEOUSTotals- 36 -tl
Daily Tracking (continued)montuewedthurfrisatsuntlDEBT REPAYMENTTotalsONE-TIME EXPENSESTotalsBUSINESS EXPENSESRentPhoneOffice SuppliesPostageTotalsINCOMETotals- 37 -
MarchWork Sheets- 38 -
MARCH Spending k1wk2wk3wk4wk5motlDEPENDENT ater/GarbageGas & ElectricCableNewspaperInternetHousehold ItemsHousekeeperInsuranceTRANSPORTATIONCar PaymentGasMaintenanceParking/TollsBus/Pubic TransportInsuranceTotalsENTERTAINMENTMoviesDVD RentalConcerts/TheaterDatingTotalsSELF cureMassageMedicalDry Clnrs/LndryLife/Disab InsTotalsRECOVERY/SELF IMPROVEMENTSpiritualTherapyFinancial CnslgTotalsTotalsINVESTMENTSSavings (Cushion)VacationRetirementTotalsMONTHLY ALLOCATIONSTaxesCar RegistrationTotalsMISCELLANEOUSTotals- 39 -
MARCH Spending Plan (continued)mnthplanwk1wk2wk3wk4wk5motlMONTHLY CATEGORY RECAPMonthPlanDEBT REPAYMENTTotalsONE-TIME EXPENSESMonthActual -FOODSHELTERSELF-CARERECOVERYDEPENDENT CARETRANSPORTATIONENTERTAINMENTINVESTMENTSMONTHY ALLOCATIONSMISCELLANEOUSDEBT REPAYMENTONE-TIME EXPENSESBUSINESS EXPENSESTOTAL EXPENSESTotalsBUSINESS EXPENSESRentPhoneOffice SuppliesPostageTOTAL INCOMECASH ON HANDINCOMETOTAL INCOMEEXPENSES -CASH FLOWTotalsINCOMETotals- 40 -
Daily Trackingmontue wed isatsuntlWeek 1 / Marchmontue wed thurfriYearsatsunDEPENDENT PhoneWater/GarbageGas & ElectricCableNewspaperInternetHousehold ItemsHousekeeperInsuranceTRANSPORTATIONCary PaymentGasMaintenanceParking/TollsBus/Pubic TrnsprtInsuranceTotalsENTERTAINMENTMoviesDVD RentalConcerts/TheaterDatingTotalsSELF cureMassageMedicalDry Clnrs/LndryLife/Disab InsTotalsRECOVERY/SELF IMPROVEMENTSpiritualTherapyFinancial CnslgTotalsTotalsINVESTMENTSSavings (Cushion)VacationRetirementTotalsMONTHLY ALLOCATIONSTaxesCar RegistrationTotalsMISCELLANEOUSTotals- 41 -tl
Daily Tracking (continued)montuewedthurfrisatsuntlDEBT REPAYMENTTotalsONE-TIME EXPENSESTotalsBUSINESS EXPENSESRentPhoneOffice SuppliesPostageTotalsINCOMETotals- 42 -
Daily Trackingmontue wed isatsuntlWeek 2 / Marchmontue wed thurfriYearsatsunDEPENDENT PhoneWater/GarbageGas & ElectricCableNewspaperInternetHousehold ItemsHousekeeperInsuranceTRANSPORTATIONCary PaymentGasMaintenanceParking/TollsBus/Pubic TrnsprtInsuranceTotalsENTERTAINMENTMoviesDVD RentalConcerts/TheaterDatingTotalsSELF cureMassageMedicalDry Clnrs/LndryLife/Disab InsTotalsRECOVERY/SELF IMPROVEMENTSpiritualTherapyFinancial CnslgTotalsTotalsINVESTMENTSSavings (Cushion)VacationRetirementTotalsMONTHLY ALLOCATIONSTaxesCar RegistrationTotalsMISCELLANEOUSTotals- 43 -tl
Daily Tracking (continued)montuewedthurfrisatsuntlDEBT REPAYMENTTotalsONE-TIME EXPENSESTotalsBUSINESS EXPENSESRentPhoneOffice SuppliesPostageTotalsINCOMETotals- 44 -
Daily Trackingmontue wed isatsuntlWeek 3 / Marchmontue wed thurfriYearsatsunDEPENDENT PhoneWater/GarbageGas & ElectricCableNewspaperInternetHousehold ItemsHousekeeperInsuranceTRANSPORTATIONCary PaymentGasMaintenanceParking/TollsBus/Pubic TrnsprtInsuranceTotalsENTERTAINMENTMoviesDVD RentalConcerts/TheaterDatingTotalsSELF cureMassageMedicalDry Clnrs/LndryLife/Disab InsTotalsRECOVERY/SELF IMPROVEMENTSpiritualTherapyFinancial CnslgTotalsTotalsINVESTMENTSSavings (Cushion)VacationRetirementTotalsMONTHLY ALLOCATIONSTaxesCar RegistrationTotalsMISCELLANEOUSTotals- 45 -tl
Daily Tracking (continued)montuewedthurfrisatsuntlDEBT REPAYMENTTotalsONE-TIME EXPENSESTotalsBUSINESS EXPENSESRentPhoneOffice SuppliesPostageTotalsINCOMETotals- 46 -
Daily Trackingmontue wed isatsuntlWeek 4 / Marchmontue wed thurfriYearsatsunDEPENDENT PhoneWater/GarbageGas & ElectricCableNewspaperInternetHousehold ItemsHousekeeperInsuranceTRANSPORTATIONCary PaymentGasMaintenanceParking/TollsBus/Pubic TrnsprtInsuranceTotalsENTERTAINMENTMoviesDVD RentalConcerts/TheaterDatingTotalsSELF cureMassageMedicalDry Clnrs/LndryLife/Disab InsTotalsRECOVERY/SELF IMPROVEMENTSpiritualTherapyFinancial CnslgTotalsTotalsINVESTMENTSSavings (Cushion)VacationRetirementTotalsMONTHLY ALLOCATIONSTaxesCar RegistrationTotalsMISCELLANEOUSTotals- 47 -tl
Daily Tracking (continued)montuewedthurfrisatsuntlDEBT REPAYMENTTotalsONE-TIME EXPENSESTotalsBUSINESS EXPENSESRentPhoneOffice SuppliesPostageTotalsINCOMETotals- 48 -
Daily Trackingmontue wed isatsuntlWeek 5 / Marchmontue wed thurfriYearsatsunDEPENDENT PhoneWater/GarbageGas & ElectricCableNewspaperInternetHousehold ItemsHousekeeperInsuranceTRANSPORTATIONCary PaymentGasMaintenanceParking/TollsBus/Pubic TrnsprtInsuranceTotalsENTERTAINMENTMoviesDVD RentalConcerts/TheaterDatingTotalsSELF cureMassageMedicalDry Clnrs/LndryLife/Disab InsTotalsRECOVERY/SELF IMPROVEMENTSpiritualTherapyFinancial CnslgTotalsTotalsINVESTMENTSSavings (Cushion)VacationRetirementTotalsMONTHLY ALLOCATIONSTaxesCar RegistrationTotalsMISCELLANEOUSTotals- 49 -tl
Daily Tracking (continued)montuewedthurfrisatsuntlDEBT REPAYMENTTotalsONE-TIME EXPENSESTotalsBUSINESS EXPENSESRentPhoneOffice SuppliesPostageTotalsINCOMETotals- 50 -
AprilWork Sheets- 51 -
APRIL Spending k1wk2wk3wk4wk5motlDEPENDENT ater/GarbageGas & ElectricCableNewspaperInternetHousehold ItemsHousekeeperInsuranceTRANSPORTATIONCar PaymentGasMaintenanceParking/TollsBus/Pubic TransportInsuranceTotalsENTERTAINMENTMoviesDVD RentalConcerts/
for Financial Peace of Mind - Abridged Edition - A Stand-Alone Workbook & Supplement to theGirl!Book Series by Glinda F. Bridgforth. THE BASIC MONEY MANAGEMENT WORKBOOK A Twelve Month Program for Financial Peace of Mind Abridged Edit
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