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Financial Freedom

Home | My Testimony | Testimonies of Success | What the Bible Says | Form 1; Personal Monthly Income & Expense | Form 2 - Personal Daily Journal | Form 3 - Percentage Guide | Money Saving Hints | Debt Settlement | Getting Organized Personally | Business - Daily Journal | Business - Monthly Summary | Financial Bondage? | Order of the Balanced Life | Achieving Your Goals | Overcoming | Prosperity | Habits | Seed Faith | 36 Ways to Reduce Stress | Wisdom Keys from Mike Murdock | Covenant of Blessings by Mike Murdock | Getting Organized Business | Favorite Links | PDF files for printing

Form 1; Personal Monthly Income & Expense

If the items do not pertain to you, leave them blank or overwrite items that may not be on the sheet. Analyze each option to create a plan to change. Balance the budget by: increasing your income (pray for new ideas), eliminate debt (selling items that have loan balances) and controlling spending in each catagory. Remember that YOU have options.

Please click on this link to download the multi-page Excel Budget Forms for printing and calculating. If you are unable to navigate Excel you can send me your figures to be placed in a calculating form to be returned to you or printe the PDF version on the last page of this website.

AVERAGE MONTHLY INCOME AND OUTGO FOR THE PAST 12 MONTHS  
Past Monthly         Your Actual Total $ Actual % Guide-line % Guide $  
                       
GROSS INCOME PER MONTH           Per Month   100% 100% 0  
  Salary, Pension, Soc Sec (husb)                    
  Salary, Pension, Soc Sec (wife)                    
  Interest & dividends                    
  Net Profit from Investments / Rents                    
  Gifts & Inheritance                    
  Tax Refunds                    
  Other    Net Profit from Business                    
OUTGO PER MONTH                      
  1.  Tithe & Offering                    
  2.  Taxes (IRS-SOC. SEC.-Med)                    
                       
NET SPENDABLE INCOME               100% 100%    
  (Gross income minus lines 1 & 2)               
  3.  Housing                    
    Mortgage (rent)                  
    House Insurance                  
    Real Estate Taxes                  
    Electric/Gas/Oil                  
    Telephone                  
    Water & Sewage                  
    Trash Removal                  
    Maintenance                  
    Cable TV                  
    Other                  
  4.  Food (Grocery Store)                    
  5.  Auto (Transportation)                    
    Payments                  
    Gas / Oil                  
    Auto Insurance                  
    License Tag                  
    Repairs/Maintenance                  
    Vehicle Replacement                  
                       
                       
Past Monthly         Your $ Your % Guide % Guide $  
  6.  Insurance                    
    Life                  
    Health                  
    Other ____________                  
  7.  Debts                    
    Credit Cards                  
    Installment Loans                  
    Other                  
  8.  Enter. / Recreation                    
    Dining Out                  
    Trips/Vacation                  
    Babysitters                  
    Activities                  
    Video Rentals                  
    Other                  
  9.  Clothing                    
  10.  Savings (+ or -)                    
  11.  Investments (+ or -)                    
  12.  Medical Expenses                    
    Doctor                  
    Dentist                  
    Prescriptions                  
    Other                  
  13.  Miscellaneous                    
    Drug Store Items                  
    Beauty / Barber                  
    Laundry /Dry Cleaning                  
    Lunch (Work / School)                  
    Subscriptions                  
    Gifts (Incl Christmas)                  
    Special Education                  
    Pocket money                  
    Pet Store / Veterinarian                  
    Other ____________                  
Total Expenses (3-13)                      
Difference per Month