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Preface
viii
Prologue
x
An inspirational story and suggestions for making major life changes.
Introduction:
How to Use The Budget Kit 1
An overview of the variety of worksheets available for getting the
maximum benefit from this workbook. Also provides insight for handling
savings, electronic budgeting, and family management of the budget.
Living
in a Cashless Society 7
A new section to explore the expanding world of cashless transactions.
Learn about options for online and electronic money management programs
and how they fit with your current system.
Online
Information Record 15
A place to record online bill payment schedules, URLs (Web site
addresses), user IDs, Passwords, password hints, and related information.
PART
ONE
New
Worth Statement 21
A picture of your total financial worth. A valuable aid for loan
and insurance purposes.
Setting
Financial Goals 23
A place to write your goals and a method to help you stay on target
for reaching those goals.
Identified
Goals Worksheet 25
Goals
Savings Record 26 |
Needs/Wants
List 27
A reminder of
items or services that each family member needs and/or wants when
extra money is available.
PART
TWO
Yearly
Budget Worksheet (Non-Monthly Anticipated Expenses) 33
A consolidation method for organizing and preparing for all the
known and anticipated major periodical expenses that come up during
the year. Use the helpful Suggestion List of Additional Non-Monthly
Expenses on pages 24-25 to help you include all possible expenses.
Gift
Giving Worksheet 40
A worksheet to help you remember, plan, and budget for all the events
when you give gifts and for all the people in in your life to whom
you gift gifts.
Christmas/Holiday
Expense Worksheet 42
A planner to help outline all the extra miscellaneous expenses associated
with the holidays to be better prepared for the added cost.
Monthly
Budget Worksheet 43
A guideline for paying the bills every month as well as for planning
and organizing household and personal expenses.
Variable
Income Worksheet 60
A guideline for outlining a spending plan when monthly income is
not predictable, such as with commission sales. Also provides a
way to record and anticipate all irregular lump sums of money (e.g.,
bonuses, investment income, refunds, and inheritance). |
