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CareTTTPTTTPTTTPTTTPTTTPTTTPT TTPT TTPT TTPT T T PT T T PTT T PTT T PU'Prescription DrugsUUUPUUUPUUUPUUUPUUUPUUUPU UUPU UUPU UUPU U U PU U U PUU U PUU U PV'OTC MedicationsVVVPVVVPVVVPVVVPVVVPVVVPV VVPV VVPV VVPV V V PV V V PVV V PVV V PX'Child CareXXXPXXXPXXXPXXXPXXXPXXXPX XXPX XXPX XXPX X X PX X X PXX X PXX X PY'Elder CareYYYPYYYPYYYPYYYPYYYPYYYPY YYPY YYPY YYPY Y Y PY Y Y PYY Y PYY Y PZ'Other CareZZZPZZZPZZZPZZZPZZZPZZZPZ ZZPZ ZZPZ ZZPZ Z Z PZ Z Z PZZ Z PZZ Z P\'Health Clubs\\\P\\\P\\\P\\\P\\\P\\\P\ \\P\ \\P\ \\P\ \ \ P\ \ \ P\\ \ P\\ \ P]'Other Dues]]]P]]]P]]]P]]]P]]]P]]]P] ]]P] ]]P] ]]P] ] ] P] ] ] P]] ] P]] ] P _'Total_L]P_L]P_L]P_L]P_L]P_L]P_ L ] P_ L ] P_ L ] P_ L ] P_ L ] P_L]P_L]Pd'Monthly Living Expensese^Total Yr e^Jan e^Feb e^Mar e^Apr e^May e ^Jun e ^Jul e ^Aug e ^Sept e ^Oct e^Nov e^Decg'Essential GroceriesgggPgggPgggPgggPgggPgggPg ggPg ggPg ggPg g g Pg g g Pgg g Pgg g Ph'Non-Essential GrocerieshhhPhhhPhhhPhhhPhhhPhhhPh hhPh hhPh hhPh h h Ph h h Phh h Phh h Pi'Home Living SuppliesiiiPiiiPiiiPiiiPiiiPiiiPi iiPi iiPi iiPi i i Pi i i Pii i Pii i P#j'Vender Snacks, Coffee, DonutsjjjPjjjPjjjPjjjPjjjPjjjPj jjPj jjPj jjPj j j Pj j j Pjj j Pjj j P!k'Work/School Related LuncheskkkPkkkPkkkPkkkPkkkPkkkPk kkPk kkPk kkPk k k Pk k k Pkk k Pkk k Pl'Pet FoodlllPlllPlllPlllPlllPlllPl llPl llPl llPl l l Pl l l Pll l Pll l Pn'Adult ClothingnnnPnnnPnnnPnnnPnnnPnnnPn nnPn nnPn nnPn n n Pn n n Pnn n Pnn n Po'Children's ClothingoooPoooPoooPoooPoooPoooPo ooPo ooPo ooPo o o Po o o Poo o Poo o Pp'Work ClothespppPpppPpppPpppPpppPpppPp ppPp ppPp ppPp p p Pp p p Ppp p Ppp p Pr'Education ExpensesrrrPrrrPrrrPrrrPrrrPrrrPr rrPr rrPr rrPr r r Pr r r Prr r Prr r P s'PostagesssPsssPsssPsssPsssPsssPs ssPs ssPs ssPs s s Ps s s Pss s Pss s Pu'House Cleaning ServicesuuuPuuuPuuuPuuuPuuuPuuuPu uuPu uuPu uuPu u u Pu u u Puu u Puu u Pv'Garden Care ServicesvvvPvvvPvvvPvvvPvvvPvvvPv vvPv vvPv vvPv v v Pv v v Pvv v Pvv v Pw'Other Living ExpenseswwwPwwwPwwwPwwwPwwwPwwwPw wwPw wwPw wwPw w w Pw w w Pww w Pww w Px'Other Living ExpensesxxxPxxxPxxxPxxxPxxxPxxxPx xxPx xxPx xxPx x x Px x x Pxx x Pxx x P z'TotalzgxPzgxPzgxPzgxPzgxPzgxPz g x Pz g x Pz g x Pz g x Pz g x PzgxPzgxP''Family Recreation / Entertainment^Total Yr ^Jan ^Feb ^Mar ^Apr ^May ^Jun ^Jul ^Aug ^Sept ^Oct ^Nov ^Dec'Dining OutPPPPPP P P P   P   P  P  P'Movies OutPPPPPP P P P   P   P  P  P'Outside EntertainmentPPPPPP P P P   P   P  P  P'Movie RentalsPPPPPP P P P   P   P  P  P'Cigarettes, Beer, WinePPPPPP P P P   P   P  P  P'Lottery TicketsPPPPPP P P P   P   P  P  P'Casino / Other GamblingPPPPPP P P P   P   P  P  P'Birthdays / HolidaysPPPPPP P P P   P   P  P  P'Weekend / Day TripsPPPPPP P P P   P   P  P  P'Vacation TravelPPPPPP P P P   P   P  P  P 'OtherPPPPPP P P P   P   P  P  P 'OtherPPPPPP P P P   P   P  P  P 'TotalPPPPPP  P  P  P  P  PPP'Monthly Obligations^Total Yr ^Jan ^Feb ^Mar ^Apr ^May ^Jun ^Jul ^Aug ^Sept ^Oct ^Nov ^Dec'Credit Card 1PPPPPP P P P   P   P  P  P'Credit Card 2PPPPPP P P P   P   P  P  P'Credit Card 3PPPPPP P P P   P   P  P  P'Credit Card 4PPPPPP P P P   P   P  P  P'Student LoansPPPPPP P P P   P   P  P  P'Home Equity Loan PaymentsPPPPPP P P P   P   P  P  P'Personal Loans 1PPPPPP P P P   P   P  P  P'Personal Loans 2PPPPPP P P P   P   P  P  P'Alimony / Child SupportPPPPPP P P P   P   P  P  P'Other Support PaymentsPPPPPP P P P   P   P  P  P'Liens or JudgmentsPPPPPP P P P   P   P  P  P'Other Assessed TaxesPPPPPP P P P   P   P  P  P'Charity DonationsPPPPPP P P P   P   P  P  P 'OtherPPPPPP P P P   P   P  P  P 'OtherPPPPPP P P P   P   P  P  P 'TotalPPPPPP  P  P  P  P  PPP'Monthly Savings^Total Yr ^Jan ^Feb ^Mar ^Apr ^May ^Jun ^Jul ^Aug ^Sept ^Oct ^Nov ^Dec'401K ContributionsPPPPPP P P P   P   P  P  P'IRA ContributionsPPPPPP P P P   P   P  P  P 'Monthly Investment DepositPPPPPP P P P   P   P  P  P'College SavingsPPPPPP P P P   P   P  P  P'Retirement SavingsPPPPPP P P P   P   P  P  P'General SavingsPPPPPP P P P   P   P  P  P'Financial GoalPPPPPP P P P   P   P  P  P'Financial GoalPPPPPP P P P   P   P  P  P'Financial GoalPPPPPP P P P   P   P  P  P 'TotalPPPPPP  P  P  P  P  PPP'Budget Summary Analysis ^Amount^% of Income'Total Monthly IncomeP'Total Housing Expenses,P,  P;%' s/b in the range of 32-35%#'Total Transportation ExpensesDP,  P;$' s/b in the range of 9-12%'Total Family Care_P,  P;$' s/b in the range of 8-19%'Total Living ExpenseszP,  P;%' s/b in the range of 27-35%'Total Recreation ExpensesP,  P;#' s/b in the range of 4-6%'Total ObligationsP,  P;%' s/b in the range of 18-28%'Total SavingsP,  P;$' s/b in the range of 2-10%'Total Monthly ExpensesP,  P;&' goal to be less than 90-98%'Total Monthly Net IncomeP,  P;%' goal to be more than 2-10%%'MONTHLY FAMILY BUDGET WORKSHEET 'Month: 'JANUARY'Family Income After Taxes'income tips:.'http://www.SayLowerBills.com/income.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'Employment Income 1'Employment Income 2'Employment Income 3 'Social Security Payments 'Alimony Payments! 'Government Support Payments'Investment Income'Savings Income'Other Income Payments 'TotalPPPPP'Total MonthP'Monthly Housing Expenses'housing tips:/'http://www.SayLowerBills.com/housing.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week$'Mortgage Payment (with escrow)'Monthly Rent'Heating Costs'Gas / Propane'Electricity 'Water / Sewage!'Trash Removal#'Telephone$'Cable Service / Dish%'Internet Connections''Home Improvement('Home Repair Costs)'Maintenance *'Other ,'Total,*P,*P,*P,*P,*P.'Total Month.,,P%1'Monthly Transportation Expenses2'trans tips:-2'http://www.SayLowerBills.com/trans.html 2^Week 1 2^Week 2 2^Week 3 2^Week 42^Extra Week4'Auto Loan Payment 15'Auto Loan Payment 26'Auto Loan Payment 38'Auto Insurance9'Licensing :'Taxes<'Gas / Oil='Maintenance / Repairs?'Public Transportation @'Parking A'Tolls B'Other D'TotalD4BPD4BPD4BPD4BPD4BPF'Total MonthFDDPI'Monthly Family CareJ'care tips:3J'http://www.SayLowerBills.com/family-care.html J^Week 1 J^Week 2 J^Week 3 J^Week 4J^Extra WeekL'Health InsuranceM'Disability InsuranceN'Life InsuranceO'Other InsuranceQ'Doctor VisitsR'Dentist VisitsS'Eye CareT'Veterinarian CareU'Prescription DrugsV'OTC MedicationsX'Child CareY'Elder CareZ'Other Care\'Health Clubs]'Other Dues _'Total_L]P_L]P_L]P_L]P_L]Pa'Total Montha__Pd'Monthly Living Expensese'living tips:.e'http://www.SayLowerBills.com/living.html e^Week 1 e^Week 2 e^Week 3 e^Week 4e^Extra Weekg'Essential Groceriesh'Non-Essential Groceriesi'Home Living Supplies#j'Vender Snacks, Coffee, Donuts!k'Work/School Related Lunchesl'Pet Foodn'Adult Clothingo'Children's Clothingp'Work Clothesr'Education Expenses s'Postageu'House Cleaning Servicesv'Garden Care Servicesw'Other Living Expensesx'Other Living Expenses z'TotalzgxPzgxPzgxPzgxPzgxP|'Total Month|zzP''Family Recreation / Entertainment'rec tips:+'http://www.SayLowerBills.com/rec.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'Dining Out'Movies Out'Outside Entertainment'Movie Rentals'Cigarettes, Beer, Wine'Lottery Tickets'Casino / Other Gambling'Birthdays / Holidays'Weekend / Day Trips'Vacation Travel 'Other 'Other 'TotalPPPPP'Total MonthP'Monthly Obligations'debt tips:3'http://www.SayLowerBills.com/obligations.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'Credit Card 1'Credit Card 2'Credit Card 3'Credit Card 4'Student Loans'Home Equity Loan Payments'Personal Loans 1'Personal Loans 2'Alimony / Child Support'Other Support Payments'Liens or Judgments'Other Assessed Taxes'Charity Donations 'Other 'Other 'TotalPPPPP'Total MonthP'Monthly Savings'saving tips:/'http://www.SayLowerBills.com/savings.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'401K Contributions'IRA Contributions 'Monthly Investment Deposit'College Savings'Retirement Savings'General Savings'Financial Goal'Financial Goal'Financial Goal 'TotalPPPPP'Total MonthP'Budget Summary Analysis ^Amount^% of Income'Total Monthly IncomeP'Total Housing Expenses.P,  P;%' s/b in the range of 32-35%#'Total Transportation ExpensesFP,  P;$' s/b in the range of 9-12%'Total Family CareaP,  P;$' s/b in the range of 8-19%'Total Living Expenses|P,  P;%' s/b in the range of 27-35%'Total Recreation ExpensesP,  P;#' s/b in the range of 4-6%'Total ObligationsP,  P;%' s/b in the range of 18-28%'Total SavingsP,  P;$' s/b in the range of 2-10%'Total Monthly ExpensesP,  P;&' goal to be less than 90-98%'Total Monthly Net IncomeP,  P;%' goal to be more than 2-10%%'MONTHLY FAMILY BUDGET WORKSHEET 'Month:'FEBRUARY'Family Income After Taxes'income tips:.'http://www.SayLowerBills.com/income.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'Employment Income 1'Employment Income 2'Employment Income 3 'Social Security Payments 'Alimony Payments! 'Government Support Payments'Investment Income'Savings Income'Other Income Payments 'TotalPPPPP'Total MonthP'Monthly Housing Expenses'housing tips:/'http://www.SayLowerBills.com/housing.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week$'Mortgage Payment (with escrow)'Monthly Rent'Heating Costs'Gas / Propane'Electricity 'Water / Sewage!'Trash Removal#'Telephone$'Cable Service / Dish%'Internet Connections''Home Improvement('Home Repair Costs)'Maintenance *'Other ,'Total,*P,*P,*P,*P,*P.'Total Month.,,P%1'Monthly Transportation Expenses2'trans tips:-2'http://www.SayLowerBills.com/trans.html 2^Week 1 2^Week 2 2^Week 3 2^Week 42^Extra Week4'Auto Loan Payment 15'Auto Loan Payment 26'Auto Loan Payment 38'Auto Insurance9'Licensing :'Taxes<'Gas / Oil='Maintenance / Repairs?'Public Transportation @'Parking A'Tolls B'Other D'TotalD4BPD4BPD4BPD4BPD4BPF'Total MonthFDDPI'Monthly Family CareJ'care tips:3J'http://www.SayLowerBills.com/family-care.html J^Week 1 J^Week 2 J^Week 3 J^Week 4J^Extra WeekL'Health InsuranceM'Disability InsuranceN'Life InsuranceO'Other InsuranceQ'Doctor VisitsR'Dentist VisitsS'Eye CareT'Veterinarian CareU'Prescription DrugsV'OTC MedicationsX'Child CareY'Elder CareZ'Other Care\'Health Clubs]'Other Dues _'Total_L]P_L]P_L]P_L]P_L]Pa'Total Montha__Pd'Monthly Living Expensese'living tips:.e'http://www.SayLowerBills.com/living.html e^Week 1 e^Week 2 e^Week 3 e^Week 4e^Extra Weekg'Essential Groceriesh'Non-Essential Groceriesi'Home Living Supplies#j'Vender Snacks, Coffee, Donuts!k'Work/School Related Lunchesl'Pet Foodn'Adult Clothingo'Children's Clothingp'Work Clothesr'Education Expenses s'Postageu'House Cleaning Servicesv'Garden Care Servicesw'Other Living Expensesx'Other Living Expenses z'TotalzgxPzgxPzgxPzgxPzgxP|'Total Month|zzP''Family Recreation / Entertainment'rec tips:+'http://www.SayLowerBills.com/rec.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'Dining Out'Movies Out'Outside Entertainment'Movie Rentals'Cigarettes, Beer, Wine'Lottery Tickets'Casino / Other Gambling'Birthdays / Holidays'Weekend / Day Trips'Vacation Travel 'Other 'Other 'TotalPPPPP'Total MonthP'Monthly Obligations'debt tips:3'http://www.SayLowerBills.com/obligations.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'Credit Card 1'Credit Card 2'Credit Card 3'Credit Card 4'Student Loans'Home Equity Loan Payments'Personal Loans 1'Personal Loans 2'Alimony / Child Support'Other Support Payments'Liens or Judgments'Other Assessed Taxes'Charity Donations 'Other 'Other 'TotalPPPPP'Total MonthP'Monthly Savings'saving tips:/'http://www.SayLowerBills.com/savings.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'401K Contributions'IRA Contributions 'Monthly Investment Deposit'College Savings'Retirement Savings'General Savings'Financial Goal'Financial Goal'Financial Goal 'TotalPPPPP'Total MonthP'Budget Summary Analysis ^Amount^% of Income'Total Monthly IncomeP'Total Housing Expenses.P,  P;%' s/b in the range of 32-35%#'Total Transportation ExpensesFP,  P;$' s/b in the range of 9-12%'Total Family CareaP,  P;$' s/b in the range of 8-19%'Total Living Expenses|P,  P;%' s/b in the range of 27-35%'Total Recreation ExpensesP,  P;#' s/b in the range of 4-6%'Total ObligationsP,  P;%' s/b in the range of 18-28%'Total SavingsP,  P;$' s/b in the range of 2-10%'Total Monthly ExpensesP,  P;&' goal to be less than 90-98%'Total Monthly Net IncomeP,  P;%' goal to be more than 2-10%%'MONTHLY FAMILY BUDGET WORKSHEET 'Month: 'MARCH'Family Income After Taxes'income tips:.'http://www.SayLowerBills.com/income.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'Employment Income 1'Employment Income 2'Employment Income 3 'Social Security Payments 'Alimony Payments! 'Government Support Payments'Investment Income'Savings Income'Other Income Payments 'TotalPPPPP'Total MonthP'Monthly Housing Expenses'housing tips:/'http://www.SayLowerBills.com/housing.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week$'Mortgage Payment (with escrow)'Monthly Rent'Heating Costs'Gas / Propane'Electricity 'Water / Sewage!'Trash Removal#'Telephone$'Cable Service / Dish%'Internet Connections''Home Improvement('Home Repair Costs)'Maintenance *'Other ,'Total,*P,*P,*P,*P,*P.'Total Month.,,P%1'Monthly Transportation Expenses2'trans tips:-2'http://www.SayLowerBills.com/trans.html 2^Week 1 2^Week 2 2^Week 3 2^Week 42^Extra Week4'Auto Loan Payment 15'Auto Loan Payment 26'Auto Loan Payment 38'Auto Insurance9'Licensing :'Taxes<'Gas / Oil='Maintenance / Repairs?'Public Transportation @'Parking A'Tolls B'Other D'TotalD4BPD4BPD4BPD4BPD4BPF'Total MonthFDDPI'Monthly Family CareJ'care tips:3J'http://www.SayLowerBills.com/family-care.html J^Week 1 J^Week 2 J^Week 3 J^Week 4J^Extra WeekL'Health InsuranceM'Disability InsuranceN'Life InsuranceO'Other InsuranceQ'Doctor VisitsR'Dentist VisitsS'Eye CareT'Veterinarian CareU'Prescription DrugsV'OTC MedicationsX'Child CareY'Elder CareZ'Other Care\'Health Clubs]'Other Dues _'Total_L]P_L]P_L]P_L]P_L]Pa'Total Montha__Pd'Monthly Living Expensese'living tips:.e'http://www.SayLowerBills.com/living.html e^Week 1 e^Week 2 e^Week 3 e^Week 4e^Extra Weekg'Essential Groceriesh'Non-Essential Groceriesi'Home Living Supplies#j'Vender Snacks, Coffee, Donuts!k'Work/School Related Lunchesl'Pet Foodn'Adult Clothingo'Children's Clothingp'Work Clothesr'Education Expenses s'Postageu'House Cleaning Servicesv'Garden Care Servicesw'Other Living Expensesx'Other Living Expenses z'TotalzgxPzgxPzgxPzgxPzgxP|'Total Month|zzP''Family Recreation / Entertainment'rec tips:+'http://www.SayLowerBills.com/rec.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'Dining Out'Movies Out'Outside Entertainment'Movie Rentals'Cigarettes, Beer, Wine'Lottery Tickets'Casino / Other Gambling'Birthdays / Holidays'Weekend / Day Trips'Vacation Travel 'Other 'Other 'TotalPPPPP'Total MonthP'Monthly Obligations'debt tips:3'http://www.SayLowerBills.com/obligations.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'Credit Card 1'Credit Card 2'Credit Card 3'Credit Card 4'Student Loans'Home Equity Loan Payments'Personal Loans 1'Personal Loans 2'Alimony / Child Support'Other Support Payments'Liens or Judgments'Other Assessed Taxes'Charity Donations 'Other 'Other 'TotalPPPPP'Total MonthP'Monthly Savings'saving tips:/'http://www.SayLowerBills.com/savings.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'401K Contributions'IRA Contributions 'Monthly Investment Deposit'College Savings'Retirement Savings'General Savings'Financial Goal'Financial Goal'Financial Goal 'TotalPPPPP'Total MonthP'Budget Summary Analysis ^Amount^% of Income'Total Monthly IncomeP'Total Housing Expenses.P,  P;%' s/b in the range of 32-35%#'Total Transportation ExpensesFP,  P;$' s/b in the range of 9-12%'Total Family CareaP,  P;$' s/b in the range of 8-19%'Total Living Expenses|P,  P;%' s/b in the range of 27-35%'Total Recreation ExpensesP,  P;#' s/b in the range of 4-6%'Total ObligationsP,  P;%' s/b in the range of 18-28%'Total SavingsP,  P;$' s/b in the range of 2-10%'Total Monthly ExpensesP,  P;&' goal to be less than 90-98%'Total Monthly Net IncomeP,  P;%' goal to be more than 2-10%%'MONTHLY FAMILY BUDGET WORKSHEET 'Month: 'APRIL'Family Income After Taxes'income tips:.'http://www.SayLowerBills.com/income.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'Employment Income 1'Employment Income 2'Employment Income 3 'Social Security Payments 'Alimony Payments! 'Government Support Payments'Investment Income'Savings Income'Other Income Payments 'TotalPPPPP'Total MonthP'Monthly Housing Expenses'housing tips:/'http://www.SayLowerBills.com/housing.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week$'Mortgage Payment (with escrow)'Monthly Rent'Heating Costs'Gas / Propane'Electricity 'Water / Sewage!'Trash Removal#'Telephone$'Cable Service / Dish%'Internet Connections''Home Improvement('Home Repair Costs)'Maintenance *'Other ,'Total,*P,*P,*P,*P,*P.'Total Month.,,P%1'Monthly Transportation Expenses2'trans tips:-2'http://www.SayLowerBills.com/trans.html 2^Week 1 2^Week 2 2^Week 3 2^Week 42^Extra Week4'Auto Loan Payment 15'Auto Loan Payment 26'Auto Loan Payment 38'Auto Insurance9'Licensing :'Taxes<'Gas / Oil='Maintenance / Repairs?'Public Transportation @'Parking A'Tolls B'Other D'TotalD4BPD4BPD4BPD4BPD4BPF'Total MonthFDDPI'Monthly Family CareJ'care tips:3J'http://www.SayLowerBills.com/family-care.html J^Week 1 J^Week 2 J^Week 3 J^Week 4J^Extra WeekL'Health InsuranceM'Disability InsuranceN'Life InsuranceO'Other InsuranceQ'Doctor VisitsR'Dentist VisitsS'Eye CareT'Veterinarian CareU'Prescription DrugsV'OTC MedicationsX'Child CareY'Elder CareZ'Other Care\'Health Clubs]'Other Dues _'Total_L]P_L]P_L]P_L]P_L]Pa'Total Montha__Pd'Monthly Living Expensese'living tips:.e'http://www.SayLowerBills.com/living.html e^Week 1 e^Week 2 e^Week 3 e^Week 4e^Extra Weekg'Essential Groceriesh'Non-Essential Groceriesi'Home Living Supplies#j'Vender Snacks, Coffee, Donuts!k'Work/School Related Lunchesl'Pet Foodn'Adult Clothingo'Children's Clothingp'Work Clothesr'Education Expenses s'Postageu'House Cleaning Servicesv'Garden Care Servicesw'Other Living Expensesx'Other Living Expenses z'TotalzgxPzgxPzgxPzgxPzgxP|'Total Month|zzP''Family Recreation / Entertainment'rec tips:+'http://www.SayLowerBills.com/rec.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'Dining Out'Movies Out'Outside Entertainment'Movie Rentals'Cigarettes, Beer, Wine'Lottery Tickets'Casino / Other Gambling'Birthdays / Holidays'Weekend / Day Trips'Vacation Travel 'Other 'Other 'TotalPPPPP'Total MonthP'Monthly Obligations'debt tips:3'http://www.SayLowerBills.com/obligations.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'Credit Card 1'Credit Card 2'Credit Card 3'Credit Card 4'Student Loans'Home Equity Loan Payments'Personal Loans 1'Personal Loans 2'Alimony / Child Support'Other Support Payments'Liens or Judgments'Other Assessed Taxes'Charity Donations 'Other 'Other 'TotalPPPPP'Total MonthP'Monthly Savings'saving tips:/'http://www.SayLowerBills.com/savings.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'401K Contributions'IRA Contributions 'Monthly Investment Deposit'College Savings'Retirement Savings'General Savings'Financial Goal'Financial Goal'Financial Goal 'TotalPPPPP'Total MonthP'Budget Summary Analysis ^Amount^% of Income'Total Monthly IncomeP'Total Housing Expenses.P,  P;%' s/b in the range of 32-35%#'Total Transportation ExpensesFP,  P;$' s/b in the range of 9-12%'Total Family CareaP,  P;$' s/b in the range of 8-19%'Total Living Expenses|P,  P;%' s/b in the range of 27-35%'Total Recreation ExpensesP,  P;#' s/b in the range of 4-6%'Total ObligationsP,  P;%' s/b in the range of 18-28%'Total SavingsP,  P;$' s/b in the range of 2-10%'Total Monthly ExpensesP,  P;&' goal to be less than 90-98%'Total Monthly Net IncomeP,  P;%' goal to be more than 2-10%%'MONTHLY FAMILY BUDGET WORKSHEET 'Month: 'MAY'Family Income After Taxes'income tips:.'http://www.SayLowerBills.com/income.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'Employment Income 1'Employment Income 2'Employment Income 3 'Social Security Payments 'Alimony Payments! 'Government Support Payments'Investment Income'Savings Income'Other Income Payments 'TotalPPPPP'Total MonthP'Monthly Housing Expenses'housing tips:/'http://www.SayLowerBills.com/housing.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week$'Mortgage Payment (with escrow)'Monthly Rent'Heating Costs'Gas / Propane'Electricity 'Water / Sewage!'Trash Removal#'Telephone$'Cable Service / Dish%'Internet Connections''Home Improvement('Home Repair Costs)'Maintenance *'Other ,'Total,*P,*P,*P,*P,*P.'Total Month.,,P%1'Monthly Transportation Expenses2'trans tips:-2'http://www.SayLowerBills.com/trans.html 2^Week 1 2^Week 2 2^Week 3 2^Week 42^Extra Week4'Auto Loan Payment 15'Auto Loan Payment 26'Auto Loan Payment 38'Auto Insurance9'Licensing :'Taxes<'Gas / Oil='Maintenance / Repairs?'Public Transportation @'Parking A'Tolls B'Other D'TotalD4BPD4BPD4BPD4BPD4BPF'Total MonthFDDPI'Monthly Family CareJ'care tips:3J'http://www.SayLowerBills.com/family-care.html J^Week 1 J^Week 2 J^Week 3 J^Week 4J^Extra WeekL'Health InsuranceM'Disability InsuranceN'Life InsuranceO'Other InsuranceQ'Doctor VisitsR'Dentist VisitsS'Eye CareT'Veterinarian CareU'Prescription DrugsV'OTC MedicationsX'Child CareY'Elder CareZ'Other Care\'Health Clubs]'Other Dues _'Total_L]P_L]P_L]P_L]P_L]Pa'Total Montha__Pd'Monthly Living Expensese'living tips:.e'http://www.SayLowerBills.com/living.html e^Week 1 e^Week 2 e^Week 3 e^Week 4e^Extra Weekg'Essential Groceriesh'Non-Essential Groceriesi'Home Living Supplies#j'Vender Snacks, Coffee, Donuts!k'Work/School Related Lunchesl'Pet Foodn'Adult Clothingo'Children's Clothingp'Work Clothesr'Education Expenses s'Postageu'House Cleaning Servicesv'Garden Care Servicesw'Other Living Expensesx'Other Living Expenses z'TotalzgxPzgxPzgxPzgxPzgxP|'Total Month|zzP''Family Recreation / Entertainment'rec tips:+'http://www.SayLowerBills.com/rec.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'Dining Out'Movies Out'Outside Entertainment'Movie Rentals'Cigarettes, Beer, Wine'Lottery Tickets'Casino / Other Gambling'Birthdays / Holidays'Weekend / Day Trips'Vacation Travel 'Other 'Other 'TotalPPPPP'Total MonthP'Monthly Obligations'debt tips:3'http://www.SayLowerBills.com/obligations.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'Credit Card 1'Credit Card 2'Credit Card 3'Credit Card 4'Student Loans'Home Equity Loan Payments'Personal Loans 1'Personal Loans 2'Alimony / Child Support'Other Support Payments'Liens or Judgments'Other Assessed Taxes'Charity Donations 'Other 'Other 'TotalPPPPP'Total MonthP'Monthly Savings'saving tips:/'http://www.SayLowerBills.com/savings.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'401K Contributions'IRA Contributions 'Monthly Investment Deposit'College Savings'Retirement Savings'General Savings'Financial Goal'Financial Goal'Financial Goal 'TotalPPPPP'Total MonthP'Budget Summary Analysis ^Amount^% of Income'Total Monthly IncomeP'Total Housing Expenses.P,  P;%' s/b in the range of 32-35%#'Total Transportation ExpensesFP,  P;$' s/b in the range of 9-12%'Total Family CareaP,  P;$' s/b in the range of 8-19%'Total Living Expenses|P,  P;%' s/b in the range of 27-35%'Total Recreation ExpensesP,  P;#' s/b in the range of 4-6%'Total ObligationsP,  P;%' s/b in the range of 18-28%'Total SavingsP,  P;$' s/b in the range of 2-10%'Total Monthly ExpensesP,  P;&' goal to be less than 90-98%'Total Monthly Net IncomeP,  P;%' goal to be more than 2-10%%'MONTHLY FAMILY BUDGET WORKSHEET 'Month: 'JUNE'Family Income After Taxes'income tips:.'http://www.SayLowerBills.com/income.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'Employment Income 1'Employment Income 2'Employment Income 3 'Social Security Payments 'Alimony Payments! 'Government Support Payments'Investment Income'Savings Income'Other Income Payments 'TotalPPPPP'Total MonthP'Monthly Housing Expenses'housing tips:/'http://www.SayLowerBills.com/housing.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week$'Mortgage Payment (with escrow)'Monthly Rent'Heating Costs'Gas / Propane'Electricity 'Water / Sewage!'Trash Removal#'Telephone$'Cable Service / Dish%'Internet Connections''Home Improvement('Home Repair Costs)'Maintenance *'Other ,'Total,*P,*P,*P,*P,*P.'Total Month.,,P%1'Monthly Transportation Expenses2'trans tips:-2'http://www.SayLowerBills.com/trans.html 2^Week 1 2^Week 2 2^Week 3 2^Week 42^Extra Week4'Auto Loan Payment 15'Auto Loan Payment 26'Auto Loan Payment 38'Auto Insurance9'Licensing :'Taxes<'Gas / Oil='Maintenance / Repairs?'Public Transportation @'Parking A'Tolls B'Other D'TotalD4BPD4BPD4BPD4BPD4BPF'Total MonthFDDPI'Monthly Family CareJ'care tips:3J'http://www.SayLowerBills.com/family-care.html J^Week 1 J^Week 2 J^Week 3 J^Week 4J^Extra WeekL'Health InsuranceM'Disability InsuranceN'Life InsuranceO'Other InsuranceQ'Doctor VisitsR'Dentist VisitsS'Eye CareT'Veterinarian CareU'Prescription DrugsV'OTC MedicationsX'Child CareY'Elder CareZ'Other Care\'Health Clubs]'Other Dues _'Total_L]P_L]P_L]P_L]P_L]Pa'Total Montha__Pd'Monthly Living Expensese'living tips:.e'http://www.SayLowerBills.com/living.html e^Week 1 e^Week 2 e^Week 3 e^Week 4e^Extra Weekg'Essential Groceriesh'Non-Essential Groceriesi'Home Living Supplies#j'Vender Snacks, Coffee, Donuts!k'Work/School Related Lunchesl'Pet Foodn'Adult Clothingo'Children's Clothingp'Work Clothesr'Education Expenses s'Postageu'House Cleaning Servicesv'Garden Care Servicesw'Other Living Expensesx'Other Living Expenses z'TotalzgxPzgxPzgxPzgxPzgxP|'Total Month|zzP''Family Recreation / Entertainment'rec tips:+'http://www.SayLowerBills.com/rec.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'Dining Out'Movies Out'Outside Entertainment'Movie Rentals'Cigarettes, Beer, Wine'Lottery Tickets'Casino / Other Gambling'Birthdays / Holidays'Weekend / Day Trips'Vacation Travel 'Other 'Other 'TotalPPPPP'Total MonthP'Monthly Obligations'debt tips:3'http://www.SayLowerBills.com/obligations.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'Credit Card 1'Credit Card 2'Credit Card 3'Credit Card 4'Student Loans'Home Equity Loan Payments'Personal Loans 1'Personal Loans 2'Alimony / Child Support'Other Support Payments'Liens or Judgments'Other Assessed Taxes'Charity Donations 'Other 'Other 'TotalPPPPP'Total MonthP'Monthly Savings'saving tips:/'http://www.SayLowerBills.com/savings.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'401K Contributions'IRA Contributions 'Monthly Investment Deposit'College Savings'Retirement Savings'General Savings'Financial Goal'Financial Goal'Financial Goal 'TotalPPPPP'Total MonthP'Budget Summary Analysis ^Amount^% of Income'Total Monthly IncomeP'Total Housing Expenses.P,  P;%' s/b in the range of 32-35%#'Total Transportation ExpensesFP,  P;$' s/b in the range of 9-12%'Total Family CareaP,  P;$' s/b in the range of 8-19%'Total Living Expenses|P,  P;%' s/b in the range of 27-35%'Total Recreation ExpensesP,  P;#' s/b in the range of 4-6%'Total ObligationsP,  P;%' s/b in the range of 18-28%'Total SavingsP,  P;$' s/b in the range of 2-10%'Total Monthly ExpensesP,  P;&' goal to be less than 90-98%'Total Monthly Net IncomeP,  P;%' goal to be more than 2-10%%'MONTHLY FAMILY BUDGET WORKSHEET 'Month: 'JULY'Family Income After Taxes'income tips:.'http://www.SayLowerBills.com/income.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'Employment Income 1'Employment Income 2'Employment Income 3 'Social Security Payments 'Alimony Payments! 'Government Support Payments'Investment Income'Savings Income'Other Income Payments 'TotalPPPPP'Total MonthP'Monthly Housing Expenses'housing tips:/'http://www.SayLowerBills.com/housing.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week$'Mortgage Payment (with escrow)'Monthly Rent'Heating Costs'Gas / Propane'Electricity 'Water / Sewage!'Trash Removal#'Telephone$'Cable Service / Dish%'Internet Connections''Home Improvement('Home Repair Costs)'Maintenance *'Other ,'Total,*P,*P,*P,*P,*P.'Total Month.,,P%1'Monthly Transportation Expenses2'trans tips:-2'http://www.SayLowerBills.com/trans.html 2^Week 1 2^Week 2 2^Week 3 2^Week 42^Extra Week4'Auto Loan Payment 15'Auto Loan Payment 26'Auto Loan Payment 38'Auto Insurance9'Licensing :'Taxes<'Gas / Oil='Maintenance / Repairs?'Public Transportation @'Parking A'Tolls B'Other D'TotalD4BPD4BPD4BPD4BPD4BPF'Total MonthFDDPI'Monthly Family CareJ'care tips:3J'http://www.SayLowerBills.com/family-care.html J^Week 1 J^Week 2 J^Week 3 J^Week 4J^Extra WeekL'Health InsuranceM'Disability InsuranceN'Life InsuranceO'Other InsuranceQ'Doctor VisitsR'Dentist VisitsS'Eye CareT'Veterinarian CareU'Prescription DrugsV'OTC MedicationsX'Child CareY'Elder CareZ'Other Care\'Health Clubs]'Other Dues _'Total_L]P_L]P_L]P_L]P_L]Pa'Total Montha__Pd'Monthly Living Expensese'living tips:.e'http://www.SayLowerBills.com/living.html e^Week 1 e^Week 2 e^Week 3 e^Week 4e^Extra Weekg'Essential Groceriesh'Non-Essential Groceriesi'Home Living Supplies#j'Vender Snacks, Coffee, Donuts!k'Work/School Related Lunchesl'Pet Foodn'Adult Clothingo'Children's Clothingp'Work Clothesr'Education Expenses s'Postageu'House Cleaning Servicesv'Garden Care Servicesw'Other Living Expensesx'Other Living Expenses z'TotalzgxPzgxPzgxPzgxPzgxP|'Total Month|zzP''Family Recreation / Entertainment'rec tips:+'http://www.SayLowerBills.com/rec.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'Dining Out'Movies Out'Outside Entertainment'Movie Rentals'Cigarettes, Beer, Wine'Lottery Tickets'Casino / Other Gambling'Birthdays / Holidays'Weekend / Day Trips'Vacation Travel 'Other 'Other 'TotalPPPPP'Total MonthP'Monthly Obligations'debt tips:3'http://www.SayLowerBills.com/obligations.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'Credit Card 1'Credit Card 2'Credit Card 3'Credit Card 4'Student Loans'Home Equity Loan Payments'Personal Loans 1'Personal Loans 2'Alimony / Child Support'Other Support Payments'Liens or Judgments'Other Assessed Taxes'Charity Donations 'Other 'Other 'TotalPPPPP'Total MonthP'Monthly Savings'saving tips:/'http://www.SayLowerBills.com/savings.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'401K Contributions'IRA Contributions 'Monthly Investment Deposit'College Savings'Retirement Savings'General Savings'Financial Goal'Financial Goal'Financial Goal 'TotalPPPPP'Total MonthP'Budget Summary Analysis ^Amount^% of Income'Total Monthly IncomeP'Total Housing Expenses.P,  P;%' s/b in the range of 32-35%#'Total Transportation ExpensesFP,  P;$' s/b in the range of 9-12%'Total Family CareaP,  P;$' s/b in the range of 8-19%'Total Living Expenses|P,  P;%' s/b in the range of 27-35%'Total Recreation ExpensesP,  P;#' s/b in the range of 4-6%'Total ObligationsP,  P;%' s/b in the range of 18-28%'Total SavingsP,  P;$' s/b in the range of 2-10%'Total Monthly ExpensesP,  P;&' goal to be less than 90-98%'Total Monthly Net IncomeP,  P;%' goal to be more than 2-10%%'MONTHLY FAMILY BUDGET WORKSHEET 'Month: 'AUGUST'Family Income After Taxes'income tips:.'http://www.SayLowerBills.com/income.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'Employment Income 1'Employment Income 2'Employment Income 3 'Social Security Payments 'Alimony Payments! 'Government Support Payments'Investment Income'Savings Income'Other Income Payments 'TotalPPPPP'Total MonthP'Monthly Housing Expenses'housing tips:/'http://www.SayLowerBills.com/housing.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week$'Mortgage Payment (with escrow)'Monthly Rent'Heating Costs'Gas / Propane'Electricity 'Water / Sewage!'Trash Removal#'Telephone$'Cable Service / Dish%'Internet Connections''Home Improvement('Home Repair Costs)'Maintenance *'Other ,'Total,*P,*P,*P,*P,*P.'Total Month.,,P%1'Monthly Transportation Expenses2'trans tips:-2'http://www.SayLowerBills.com/trans.html 2^Week 1 2^Week 2 2^Week 3 2^Week 42^Extra Week4'Auto Loan Payment 15'Auto Loan Payment 26'Auto Loan Payment 38'Auto Insurance9'Licensing :'Taxes<'Gas / Oil='Maintenance / Repairs?'Public Transportation @'Parking A'Tolls B'Other D'TotalD4BPD4BPD4BPD4BPD4BPF'Total MonthFDDPI'Monthly Family CareJ'care tips:3J'http://www.SayLowerBills.com/family-care.html J^Week 1 J^Week 2 J^Week 3 J^Week 4J^Extra WeekL'Health InsuranceM'Disability InsuranceN'Life InsuranceO'Other InsuranceQ'Doctor VisitsR'Dentist VisitsS'Eye CareT'Veterinarian CareU'Prescription DrugsV'OTC MedicationsX'Child CareY'Elder CareZ'Other Care\'Health Clubs]'Other Dues _'Total_L]P_L]P_L]P_L]P_L]Pa'Total Montha__Pd'Monthly Living Expensese'living tips:.e'http://www.SayLowerBills.com/living.html e^Week 1 e^Week 2 e^Week 3 e^Week 4e^Extra Weekg'Essential Groceriesh'Non-Essential Groceriesi'Home Living Supplies#j'Vender Snacks, Coffee, Donuts!k'Work/School Related Lunchesl'Pet Foodn'Adult Clothingo'Children's Clothingp'Work Clothesr'Education Expenses s'Postageu'House Cleaning Servicesv'Garden Care Servicesw'Other Living Expensesx'Other Living Expenses z'TotalzgxPzgxPzgxPzgxPzgxP|'Total Month|zzP''Family Recreation / Entertainment'rec tips:+'http://www.SayLowerBills.com/rec.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'Dining Out'Movies Out'Outside Entertainment'Movie Rentals'Cigarettes, Beer, Wine'Lottery Tickets'Casino / Other Gambling'Birthdays / Holidays'Weekend / Day Trips'Vacation Travel 'Other 'Other 'TotalPPPPP'Total MonthP'Monthly Obligations'debt tips:3'http://www.SayLowerBills.com/obligations.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'Credit Card 1'Credit Card 2'Credit Card 3'Credit Card 4'Student Loans'Home Equity Loan Payments'Personal Loans 1'Personal Loans 2'Alimony / Child Support'Other Support Payments'Liens or Judgments'Other Assessed Taxes'Charity Donations 'Other 'Other 'TotalPPPPP'Total MonthP'Monthly Savings'saving tips:/'http://www.SayLowerBills.com/savings.html ^Week 1 ^Week 2 ^Week 3 ^Week 4^Extra Week'401K Contributions'IRA Contributions 'Monthly Investment Deposit'College Savings'Retirement Savings'General Savings'Financial Goal'Financial Goal'Financial Goal 'TotalPPPPP'Total MonthP'Budget Summary Analysis ^Amount^% of Income'Total Monthly IncomeP'Total Housing Expenses.P,  P;%' s/b in the range of 32-35%#'Total Transportation ExpensesFP,  P;$' s/b in the range of 9-12%'Total Family CareaP,  P;$' s/b in the range of 8-19%'Total Living Expenses|P,  P;%' s/b in the range of 27-35%'Total Recreation ExpensesP,  P;#' s/b in the range of 4-6%'Total ObligationsP,  P;%' s/b in the range of 18-28%'Total SavingsP,  P;$' s/b in the range of 2-10%'Total Monthly ExpensesP,  P;&' goal to be less than 90-98%'Total Monthly Net IncomeP,  P;%' goal to be more than 2-10%% 'MONTHLY FAMILY BUDGET WORKSHEET  'Month: 'SEPTEMBER 'Family Income After Taxes 'income tips:. 'http://www.SayLowerBills.com/income.html  ^Week 1  ^Week 2  ^Week 3  ^Week 4 ^Extra Week 'Employment Income 1 'Employment Income 2 'Employment Income 3 'Social Security Payments 'Alimony Payments! 'Government Support Payments 'Investment Income 'Savings Income 'Other Income Payments  'Total   P   P   P   P   P 'Total Month   P 'Monthly Housing Expenses 'housing tips:/ 'http://www.SayLowerBills.com/housing.html  ^Week 1  ^Week 2  ^Week 3  ^Week 4 ^Extra Week$ 'Mortgage Payment (with escrow) 'Monthly Rent 'Heating Costs 'Gas / Propane 'Electricity 'Water / Sewage! 'Trash Removal# 'Telephone$ 'Cable Service / Dish% 'Internet Connections' 'Home Improvement( 'Home Repair Costs) 'Maintenance * 'Other , 'Total,  * P,  * P,  * P,  * P,  * P. 'Total Month. , , P%1 'Monthly Transportation Expenses2 'trans tips:-2 'http://www.SayLowerBills.com/trans.html 2 ^Week 1 2 ^Week 2 2 ^Week 3 2 ^Week 42 ^Extra Week4 'Auto Loan Payment 15 'Auto Loan Payment 26 'Auto Loan Payment 38 'Auto Insurance9 'Licensing : 'Taxes< 'Gas / Oil= 'Maintenance / Repairs? 'Public Transportation @ 'Parking A 'Tolls B 'Other D 'TotalD 4 B PD 4 B PD 4 B PD 4 B PD 4 B PF 'Total MonthF D D PI 'Monthly Family CareJ 'care tips:3J 'http://www.SayLowerBills.com/family-care.html J ^Week 1 J ^Week 2 J ^Week 3 J ^Week 4J ^Extra WeekL 'Health InsuranceM 'Disability InsuranceN 'Life InsuranceO 'Other InsuranceQ 'Doctor VisitsR 'Dentist VisitsS 'Eye CareT 'Veterinarian CareU 'Prescription DrugsV 'OTC MedicationsX 'Child CareY 'Elder CareZ 'Other Care\ 'Health Clubs] 'Other Dues _ 'Total_ L ] P_ L ] P_ L ] P_ L ] P_ L ] Pa 'Total Montha _ _ Pd 'Monthly Living Expensese 'living tips:.e 'http://www.SayLowerBills.com/living.html e ^Week 1 e ^Week 2 e ^Week 3 e ^Week 4e ^Extra Weekg 'Essential Groceriesh 'Non-Essential Groceriesi 'Home Living Supplies#j 'Vender Snacks, Coffee, Donuts!k 'Work/School Related Lunchesl 'Pet Foodn 'Adult Clothingo 'Children's Clothingp 'Work Clothesr 'Education Expenses s 'Postageu 'House Cleaning Servicesv 'Garden Care Servicesw 'Other Living Expensesx 'Other Living Expenses z 'Totalz g x Pz g x Pz g x Pz g x Pz g x P| 'Total Month| z z P' 'Family Recreation / Entertainment 'rec tips:+ 'http://www.SayLowerBills.com/rec.html ^Week 1 ^Week 2 ^Week 3 ^Week 4 ^Extra Week 'Dining Out 'Movies Out 'Outside Entertainment 'Movie Rentals 'Cigarettes, Beer, Wine 'Lottery Tickets 'Casino / Other Gambling 'Birthdays / Holidays 'Weekend / Day Trips 'Vacation Travel 'Other 'Other 'Total   P   P   P   P   P 'Total Month   P 'Monthly Obligations 'debt tips:3 'http://www.SayLowerBills.com/obligations.html ^Week 1 ^Week 2 ^Week 3 ^Week 4 ^Extra Week 'Credit Card 1 'Credit Card 2 'Credit Card 3 'Credit Card 4 'Student Loans 'Home Equity Loan Payments 'Personal Loans 1 'Personal Loans 2 'Alimony / Child Support 'Other Support Payments 'Liens or Judgments 'Other Assessed Taxes 'Charity Donations 'Other 'Other 'Total   P   P   P   P   P 'Total Month   P 'Monthly Savings 'saving tips:/ 'http://www.SayLowerBills.com/savings.html ^Week 1 ^Week 2 ^Week 3 ^Week 4 ^Extra Week '401K Contributions 'IRA Contributions 'Monthly Investment Deposit 'College Savings 'Retirement Savings 'General Savings 'Financial Goal 'Financial Goal 'Financial Goal 'Total   P   P   P   P   P 'Total Month   P 'Budget Summary Analysis ^Amount ^% of Income 'Total Monthly Income  P 'Total Housing Expenses . P,     P;% ' s/b in the range of 32-35%# 'Total Transportation Expenses F P,     P;$ ' s/b in the range of 9-12% 'Total Family Care a P,     P;$ ' s/b in the range of 8-19% 'Total Living Expenses | P,     P;% ' s/b in the range of 27-35% 'Total Recreation Expenses  P,     P;# ' s/b in the range of 4-6% 'Total Obligations  P,     P;% ' s/b in the range of 18-28% 'Total Savings  P,     P;$ ' s/b in the range of 2-10% 'Total Monthly Expenses   P,     P;& ' goal to be less than 90-98% 'Total Monthly Net Income   P,     P;% ' goal to be more than 2-10%% 'MONTHLY FAMILY BUDGET WORKSHEET  'Month:  'OCTOBER 'Family Income After Taxes 'income tips:. 'http://www.SayLowerBills.com/income.html  ^Week 1  ^Week 2  ^Week 3  ^Week 4 ^Extra Week 'Employment Income 1 'Employment Income 2 'Employment Income 3 'Social Security Payments 'Alimony Payments! 'Government Support Payments 'Investment Income 'Savings Income 'Other Income Payments  'Total   P   P   P   P   P 'Total Month   P 'Monthly Housing Expenses 'housing tips:/ 'http://www.SayLowerBills.com/housing.html  ^Week 1  ^Week 2  ^Week 3  ^Week 4 ^Extra Week$ 'Mortgage Payment (with escrow) 'Monthly Rent 'Heating Costs 'Gas / Propane 'Electricity 'Water / Sewage! 'Trash Removal# 'Telephone$ 'Cable Service / Dish% 'Internet Connections' 'Home Improvement( 'Home Repair Costs) 'Maintenance * 'Other , 'Total,  * P,  * P,  * P,  * P,  * P. 'Total Month. , , P%1 'Monthly Transportation Expenses2 'trans tips:-2 'http://www.SayLowerBills.com/trans.html 2 ^Week 1 2 ^Week 2 2 ^Week 3 2 ^Week 42 ^Extra Week4 'Auto Loan Payment 15 'Auto Loan Payment 26 'Auto Loan Payment 38 'Auto Insurance9 'Licensing : 'Taxes< 'Gas / Oil= 'Maintenance / Repairs? 'Public Transportation @ 'Parking A 'Tolls B 'Other D 'TotalD 4 B PD 4 B PD 4 B PD 4 B PD 4 B PF 'Total MonthF D D PI 'Monthly Family CareJ 'care tips:3J 'http://www.SayLowerBills.com/family-care.html J ^Week 1 J ^Week 2 J ^Week 3 J ^Week 4J ^Extra WeekL 'Health InsuranceM 'Disability InsuranceN 'Life InsuranceO 'Other InsuranceQ 'Doctor VisitsR 'Dentist VisitsS 'Eye CareT 'Veterinarian CareU 'Prescription DrugsV 'OTC MedicationsX 'Child CareY 'Elder CareZ 'Other Care\ 'Health Clubs] 'Other Dues _ 'Total_ L ] P_ L ] P_ L ] P_ L ] P_ L ] Pa 'Total Montha _ _ Pd 'Monthly Living Expensese 'living tips:.e 'http://www.SayLowerBills.com/living.html e ^Week 1 e ^Week 2 e ^Week 3 e ^Week 4e ^Extra Weekg 'Essential Groceriesh 'Non-Essential Groceriesi 'Home Living Supplies#j 'Vender Snacks, Coffee, Donuts!k 'Work/School Related Lunchesl 'Pet Foodn 'Adult Clothingo 'Children's Clothingp 'Work Clothesr 'Education Expenses s 'Postageu 'House Cleaning Servicesv 'Garden Care Servicesw 'Other Living Expensesx 'Other Living Expenses z 'Totalz g x Pz g x Pz g x Pz g x Pz g x P| 'Total Month| z z P' 'Family Recreation / Entertainment 'rec tips:+ 'http://www.SayLowerBills.com/rec.html ^Week 1 ^Week 2 ^Week 3 ^Week 4 ^Extra Week 'Dining Out 'Movies Out 'Outside Entertainment 'Movie Rentals 'Cigarettes, Beer, Wine 'Lottery Tickets 'Casino / Other Gambling 'Birthdays / Holidays 'Weekend / Day Trips 'Vacation Travel 'Other 'Other 'Total   P   P   P   P   P 'Total Month   P 'Monthly Obligations 'debt tips:3 'http://www.SayLowerBills.com/obligations.html ^Week 1 ^Week 2 ^Week 3 ^Week 4 ^Extra Week 'Credit Card 1 'Credit Card 2 'Credit Card 3 'Credit Card 4 'Student Loans 'Home Equity Loan Payments 'Personal Loans 1 'Personal Loans 2 'Alimony / Child Support 'Other Support Payments 'Liens or Judgments 'Other Assessed Taxes 'Charity Donations 'Other 'Other 'Total   P   P   P   P   P 'Total Month   P 'Monthly Savings 'saving tips:/ 'http://www.SayLowerBills.com/savings.html ^Week 1 ^Week 2 ^Week 3 ^Week 4 ^Extra Week '401K Contributions 'IRA Contributions 'Monthly Investment Deposit 'College Savings 'Retirement Savings 'General Savings 'Financial Goal 'Financial Goal 'Financial Goal 'Total   P   P   P   P   P 'Total Month   P 'Budget Summary Analysis ^Amount ^% of Income 'Total Monthly Income  P 'Total Housing Expenses . P,     P;% ' s/b in the range of 32-35%# 'Total Transportation Expenses F P,     P;$ ' s/b in the range of 9-12% 'Total Family Care a P,     P;$ ' s/b in the range of 8-19% 'Total Living Expenses | P,     P;% ' s/b in the range of 27-35% 'Total Recreation Expenses  P,     P;# ' s/b in the range of 4-6% 'Total Obligations  P,     P;% ' s/b in the range of 18-28% 'Total Savings  P,     P;$ ' s/b in the range of 2-10% 'Total Monthly Expenses   P,     P;& ' goal to be less than 90-98% 'Total Monthly Net Income   P,     P;% ' goal to be more than 2-10%% 'MONTHLY FAMILY BUDGET WORKSHEET  'Month: 'NOVEMBER 'Family Income After Taxes 'income tips:. 'http://www.SayLowerBills.com/income.html  ^Week 1  ^Week 2  ^Week 3  ^Week 4 ^Extra Week 'Employment Income 1 'Employment Income 2 'Employment Income 3 'Social Security Payments 'Alimony Payments! 'Government Support Payments 'Investment Income 'Savings Income 'Other Income Payments  'Total   P   P   P   P   P 'Total Month   P 'Monthly Housing Expenses 'housing tips:/ 'http://www.SayLowerBills.com/housing.html  ^Week 1  ^Week 2  ^Week 3  ^Week 4 ^Extra Week$ 'Mortgage Payment (with escrow) 'Monthly Rent 'Heating Costs 'Gas / Propane 'Electricity 'Water / Sewage! 'Trash Removal# 'Telephone$ 'Cable Service / Dish% 'Internet Connections' 'Home Improvement( 'Home Repair Costs) 'Maintenance * 'Other , 'Total,  * P,  * P,  * P,  * P,  * P. 'Total Month. , , P%1 'Monthly Transportation Expenses2 'trans tips:-2 'http://www.SayLowerBills.com/trans.html 2 ^Week 1 2 ^Week 2 2 ^Week 3 2 ^Week 42 ^Extra Week4 'Auto Loan Payment 15 'Auto Loan Payment 26 'Auto Loan Payment 38 'Auto Insurance9 'Licensing : 'Taxes< 'Gas / Oil= 'Maintenance / Repairs? 'Public Transportation @ 'Parking A 'Tolls B 'Other D 'TotalD 4 B PD 4 B PD 4 B PD 4 B PD 4 B PF 'Total MonthF D D PI 'Monthly Family CareJ 'care tips:3J 'http://www.SayLowerBills.com/family-care.html J ^Week 1 J ^Week 2 J ^Week 3 J ^Week 4J ^Extra WeekL 'Health InsuranceM 'Disability InsuranceN 'Life InsuranceO 'Other InsuranceQ 'Doctor VisitsR 'Dentist VisitsS 'Eye CareT 'Veterinarian CareU 'Prescription DrugsV 'OTC MedicationsX 'Child CareY 'Elder CareZ 'Other Care\ 'Health Clubs] 'Other Dues _ 'Total_ L ] P_ L ] P_ L ] P_ L ] P_ L ] Pa 'Total Montha _ _ Pd 'Monthly Living Expensese 'living tips:.e 'http://www.SayLowerBills.com/living.html e ^Week 1 e ^Week 2 e ^Week 3 e ^Week 4e ^Extra Weekg 'Essential Groceriesh 'Non-Essential Groceriesi 'Home Living Supplies#j 'Vender Snacks, Coffee, Donuts!k 'Work/School Related Lunchesl 'Pet Foodn 'Adult Clothingo 'Children's Clothingp 'Work Clothesr 'Education Expenses s 'Postageu 'House Cleaning Servicesv 'Garden Care Servicesw 'Other Living Expensesx 'Other Living Expenses z 'Totalz g x Pz g x Pz g x Pz g x Pz g x P| 'Total Month| z z P' 'Family Recreation / Entertainment 'rec tips:+ 'http://www.SayLowerBills.com/rec.html ^Week 1 ^Week 2 ^Week 3 ^Week 4 ^Extra Week 'Dining Out 'Movies Out 'Outside Entertainment 'Movie Rentals 'Cigarettes, Beer, Wine 'Lottery Tickets 'Casino / Other Gambling 'Birthdays / Holidays 'Weekend / Day Trips 'Vacation Travel 'Other 'Other 'Total   P   P   P   P   P 'Total Month   P 'Monthly Obligations 'debt tips:3 'http://www.SayLowerBills.com/obligations.html ^Week 1 ^Week 2 ^Week 3 ^Week 4 ^Extra Week 'Credit Card 1 'Credit Card 2 'Credit Card 3 'Credit Card 4 'Student Loans 'Home Equity Loan Payments 'Personal Loans 1 'Personal Loans 2 'Alimony / Child Support 'Other Support Payments 'Liens or Judgments 'Other Assessed Taxes 'Charity Donations 'Other 'Other 'Total   P   P   P   P   P 'Total Month   P 'Monthly Savings 'saving tips:/ 'http://www.SayLowerBills.com/savings.html ^Week 1 ^Week 2 ^Week 3 ^Week 4 ^Extra Week '401K Contributions 'IRA Contributions 'Monthly Investment Deposit 'College Savings 'Retirement Savings 'General Savings 'Financial Goal 'Financial Goal 'Financial Goal 'Total   P   P   P   P   P 'Total Month   P 'Budget Summary Analysis ^Amount ^% of Income 'Total Monthly Income  P 'Total Housing Expenses . P,     P;% ' s/b in the range of 32-35%# 'Total Transportation Expenses F P,     P;$ ' s/b in the range of 9-12% 'Total Family Care a P,     P;$ ' s/b in the range of 8-19% 'Total Living Expenses | P,     P;% ' s/b in the range of 27-35% 'Total Recreation Expenses  P,     P;# ' s/b in the range of 4-6% 'Total Obligations  P,     P;% ' s/b in the range of 18-28% 'Total Savings  P,     P;$ ' s/b in the range of 2-10% 'Total Monthly Expenses   P,     P;& ' goal to be less than 90-98% 'Total Monthly Net Income   P,     P;% ' goal to be more than 2-10%% 'MONTHLY FAMILY BUDGET WORKSHEET  'Month: 'DECEMBER 'Family Income After Taxes 'income tips:. 'http://www.SayLowerBills.com/income.html  ^Week 1  ^Week 2  ^Week 3  ^Week 4 ^Extra Week 'Employment Income 1 'Employment Income 2 'Employment Income 3 'Social Security Payments 'Alimony Payments! 'Government Support Payments 'Investment Income 'Savings Income 'Other Income Payments  'Total   P   P   P   P   P 'Total Month   P 'Monthly Housing Expenses 'housing tips:/ 'http://www.SayLowerBills.com/housing.html  ^Week 1  ^Week 2  ^Week 3  ^Week 4 ^Extra Week$ 'Mortgage Payment (with escrow) 'Monthly Rent 'Heating Costs 'Gas / Propane 'Electricity 'Water / Sewage! 'Trash Removal# 'Telephone$ 'Cable Service / Dish% 'Internet Connections' 'Home Improvement( 'Home Repair Costs) 'Maintenance * 'Other , 'Total,  * P,  * P,  * P,  * P,  * P. 'Total Month. , , P%1 'Monthly Transportation Expenses2 'trans tips:-2 'http://www.SayLowerBills.com/trans.html 2 ^Week 1 2 ^Week 2 2 ^Week 3 2 ^Week 42 ^Extra Week4 'Auto Loan Payment 15 'Auto Loan Payment 26 'Auto Loan Payment 38 'Auto Insurance9 'Licensing : 'Taxes< 'Gas / Oil= 'Maintenance / Repairs? 'Public Transportation @ 'Parking A 'Tolls B 'Other D 'TotalD 4 B PD 4 B PD 4 B PD 4 B PD 4 B PF 'Total MonthF D D PI 'Monthly Family CareJ 'care tips:3J 'http://www.SayLowerBills.com/family-care.html J ^Week 1 J ^Week 2 J ^Week 3 J ^Week 4J ^Extra WeekL 'Health InsuranceM 'Disability InsuranceN 'Life InsuranceO 'Other InsuranceQ 'Doctor VisitsR 'Dentist VisitsS 'Eye CareT 'Veterinarian CareU 'Prescription DrugsV 'OTC MedicationsX 'Child CareY 'Elder CareZ 'Other Care\ 'Health Clubs] 'Other Dues _ 'Total_ L ] P_ L ] P_ L ] P_ L ] P_ L ] Pa 'Total Montha _ _ Pd 'Monthly Living Expensese 'living tips:.e 'http://www.SayLowerBills.com/living.html e ^Week 1 e ^Week 2 e ^Week 3 e ^Week 4e ^Extra Weekg 'Essential Groceriesh 'Non-Essential Groceriesi 'Home Living Supplies#j 'Vender Snacks, Coffee, Donuts!k 'Work/School Related Lunchesl 'Pet Foodn 'Adult Clothingo 'Children's Clothingp 'Work Clothesr 'Education Expenses s 'Postageu 'House Cleaning Servicesv 'Garden Care Servicesw 'Other Living Expensesx 'Other Living Expenses z 'Totalz g x Pz g x Pz g x Pz g x Pz g x P| 'Total Month| z z P' 'Family Recreation / Entertainment 'rec tips:+ 'http://www.SayLowerBills.com/rec.html ^Week 1 ^Week 2 ^Week 3 ^Week 4 ^Extra Week 'Dining Out 'Movies Out 'Outside Entertainment 'Movie Rentals 'Cigarettes, Beer, Wine 'Lottery Tickets 'Casino / Other Gambling 'Birthdays / Holidays 'Weekend / Day Trips 'Vacation Travel 'Other 'Other 'Total   P   P   P   P   P 'Total Month   P 'Monthly Obligations 'debt tips:3 'http://www.SayLowerBills.com/obligations.html ^Week 1 ^Week 2 ^Week 3 ^Week 4 ^Extra Week 'Credit Card 1 'Credit Card 2 'Credit Card 3 'Credit Card 4 'Student Loans 'Home Equity Loan Payments 'Personal Loans 1 'Personal Loans 2 'Alimony / Child Support 'Other Support Payments 'Liens or Judgments 'Other Assessed Taxes 'Charity Donations 'Other 'Other 'Total   P   P   P   P   P 'Total Month   P 'Monthly Savings 'saving tips:/ 'http://www.SayLowerBills.com/savings.html ^Week 1 ^Week 2 ^Week 3 ^Week 4 ^Extra Week '401K Contributions 'IRA Contributions 'Monthly Investment Deposit 'College Savings 'Retirement Savings 'General Savings 'Financial Goal 'Financial Goal 'Financial Goal 'Total   P   P   P   P   P 'Total Month   P 'Budget Summary Analysis ^Amount ^% of Income 'Total Monthly Income  P 'Total Housing Expenses . P,     P;% ' s/b in the range of 32-35%# 'Total Transportation Expenses F P,     P;$ ' s/b in the range of 9-12% 'Total Family Care a P,     P;$ ' s/b in the range of 8-19% 'Total Living Expenses | P,     P;% ' s/b in the range of 27-35% 'Total Recreation Expenses  P,     P;# ' s/b in the range of 4-6% 'Total Obligations  P,     P;% ' s/b in the range of 18-28% 'Total Savings  P,     P;$ ' s/b in the range of 2-10% 'Total Monthly Expenses   P,     P;& ' goal to be less than 90-98% 'Total Monthly Net Income   P,     P;% ' goal to be more than 2-10% :W_ ArialArialArialArialArialTimes New RomanTimes New RomanSymbol    O4!*hj@h_d"""""""""" " " "     W   1  2Doc Info CommentsDoc Info Creation DateDoc Info Editing TimeDoc Info Last Revision DateDoc Info ObjectDoc Info PropertyDoc Info Revisions CountFM3FM3 PropertyLotus:TOOLS:DataRouted RangeRouted Range PropertyWK3WK3 Property  `  q m~B2   T       CMHdr