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| Gross Income (monthly average) |
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| Payroll Deductions |
- Taxes (Federal, State, etc.)
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- Savings Plan (401k, 403b, credit union)
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- Other (medical, dental, etc.)
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- Total Payroll Deductions
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| Net Income minus Deductions |
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| Expenses |
- Personal Savings (pay yourselves first)
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- Housing (rent or mortgage, etc.)
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- Utilities
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- Home Maintenance (laundry, toiletries, upkeep)
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- Transportation (purchase, lease, or public)
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- Auto Upkeep (gas, insurance, license, etc.)
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- Food (groceries + dining out)
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- Clothes
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- Books, Periodicals, Online Services
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- Entertainment (TV, movies, CD's, vacation)
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- Debt Repayment (credit card, school, etc.)
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- Other Expenses
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- Total Expenses
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| Net Income minus all Expenses |
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