Monthly Income
NOTE: Some of your income or expenses may not be payable on a monthly basis. Please adjust the figures to reflect them as monthly payments. This will help you have a more accurate picture of your monthly financial activity.

Net Wages (Take-home pay after taxes, social security, and other deductions)
__________ Self
__________ Spouse
Other Income
__________ Child Support/Alimony
__________ Interest/Dividends/Investment Income
__________ Tax Refunds/Other Income

Monthly Expenses
Student Loan Payments
__________ Federal Stafford Loan
__________ Federal Direct Loan
__________ Perkins Loan
__________ Federal Consolidation Loan
__________ Nursing Student Loan
__________ Health Education Assistance Loan
__________ Federal PLUS Loan
__________ Federal Supplemental Loans for Students (SLS)
__________ Other Educational Loans
Personal Health
__________ General health insurance/Hospitalization
__________ Cancer Care/Other medical and dental insurance
__________ Non-reimbursed Chiropractic/Optometric/Other health care services
__________ Non-reimbursed medicines/Treatments/Vitamins/Eye care
Housing & Housing Maintenance
__________ Rent/Mortgage
__________ Property Taxes
__________ Homeowners/Rental insurance
__________ Electricity/Gas
__________ Water/Sewer
__________ Garbage handling
__________ Telephone
__________ Repairs/Maintenance (house, yard, appliances)
__________ Furnishings (furniture, linen, appliances)
Child Care
__________ Day care/Pre-school
__________ Baby/Child sitting
__________ Child support you must pay
__________ Allowances
Clothing and Grooming
__________ New clothing/Shoes
__________ Repairs/Alterations
__________ Dry cleaning/Laundry
__________ Hair care/Toiletries/Cosmetics
Gifts/Donations
__________ Birthdays/Anniversaries
__________ Other Holidays
__________ Church/Charities
Transportation
__________ Car payment/Lease
__________ Car insurance
__________ Gas/Oil/Tires/Repairs/Maintenance
__________ Driver's license/Tags/Car registration/Inspection
__________ Public transportation
Food
__________ Groceries
__________ Outside meals/Food delivered to home
__________ Outside snacks/Coffee breaks
__________ Pet food
__________ Other items usually purchased with groceries
Savings/Retirement
__________ Savings deposits
__________ IRA deposits/Annuities
__________ CD's/Money Market Funds
__________ Stocks/Bonds/Other investments
Other Debt Payments
__________ Major credit cards/Store charge cards
__________ Installment loans with a bank, savings & loan, credit union or store
__________ Loans from relatives/friends
Professional and Financial Services and Fees
__________ Life/Disability insurance
__________ Attorneys/Accounting fees
__________ Banking/Credit card fees
__________ Union/Professional dues
__________ Tuition/Special training
Recreation
__________ Cable/Internet
__________ Entertainment (movies, plays, home)
__________ Sports (spectator, participation)
__________ Hobbies/Special interests
__________ Vacations/Short trips
__________ Memberships/Subscriptions
Miscellaneous
__________ Work-related uniforms/Special equipment
__________ Non-reimbursed employee expenses (business entertaining, etc.)
__________ Alimony you must pay
__________ Emergency/Other unexpected expenses

__________ Total Monthly Income

__________ Total Monthly Expenses

NOTE: If your projected monthly income exceeds your projected monthly expenses, you may want to consider paying off any debts you have faster than your payment schedules require. That way, you will save money by reducing the amount of interest you pay over the life of the loan.

If your projected monthly expenses exceed your projected monthly income, you will either need to increase your income or reduce your expenses.