copy of detailed family budget (envelopes system)

8/3/2019 Copy of Detailed Family Budget (Envelopes System)

1/19

June Budget

Sub Total Total % of take home pay

Charitable@ $45.00 1.18%

SAVINGS $0.00 0.00%

College fund@ $0.00

Retirement fund@ $0.00

Emergency fund@ $0.00

UTILITIES $293.00 7.67%

Cable $50.00

Electricity $85.00

Phone $120.00

Water $38.00

Trash $0.00

FOOD $540.00 14.14%

*Groceries@ $400.00

*Restaurants@ $140.00

HOUSING $1,140.00 29.85%

Rent $1,040.00

Storage Unit@ $100.00

Mortgage Portion $0.00

TRANSPORTATION $280.00 7.33%

Suv Gas(PAY PAL)@ $160.00

Traffic Ticket $0.00

Sunfire Gas(PAL PAL)@ $120.00

CLOTHING $60.00 1.57%

*Clothing@ $20.00

$40.00

MEDICAL/HEALTH $72.00 1.89%

Health InsurancePay Check

Chiropractor@ $36.00

Dentist $0.00

OB Appt@ $18.00

Podiatrist CA@

*Medications/Vitamins@ $18.00

PERSONAL $55.00 1.44%LIfe Insurance Pay Check

Item (@ = First Paycheck ) ( *= Envelope Sytem)

*HouseHoldCleaning/Laundry@


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Child Care $0.00

*Toiletries/Cosmetics@ $40.00

*Hair Care@ $0.00

Netflix@ $15.00

School Tuition/Supplies $0.00

Subscriptions Go2myPC@ $0.00

Organizations Dues@ $0.00

Miscellaneous $0.00

Miscellaneous $0.00

RECREATION $200.00 5.24%

*Entertainment *Blow Money@ $200.00

DEBTS $1,134.00 29.69%

Visa@ $62.00

$124.45

$594.00

Student Loan@ $113.55

Car Loan @ $240.00

Expences Subtotal ---------------------------- ---------------------------- ----------------------------

Income Streams

1st Paycheck@ $1,642.00

2nd Paycheck $1,642.00

Babysitting $250.00

Babysitting@ $250.00

Loan Repayment $35.00

Total TAKE HOME PAY $3,819.00Total Expences $3,819.00

Income/Expence Balance $0.00

Cash for Envelopes Err:520

Payed to Irregular IncomeSavings@

Payed to Irregular IncomeSavings


3/19

Allocated Expences

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CASH on June12

FirstPaycheck

SecondPaycheck


4/19

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Income Sub Err:520 Err:520Left To save Err:520 Err:520

Momentum: (focused intensity) / (time)x (God) = unstoppable


5/19

WI Trip Budget / Caleb's Wedding

Item/Expence Sub Total Amount Total

Travel $660.00

Gas To and From $354.17 2500

Gas In WI $127.50 900

Hotel To and From $120.00

Oil Change Before / After $58.33

Wedding Expences $230.00

Tux Rental? $70.00Gifts $60.00

Dinner Gift $50.00

Dinner Gift $50.00

Food $500.00

Groceries $100.00

Eating out To and From $200.00 8

Eating out In WI $200.00 8

Extra Blow Money 100

Total $1,490.00


6/19

Calculations

$3.40 24

$3.40 24

$25.00

$25.00


7/19

Debt Snowball

Debt Amount Minimum Mo Payments

Credit Card 1 $5,000 125Student Loan $5,000 115

Vehical Loan $10,000 250

Total $20,000 490

Momentum:((focused intensity)/(time)) x (God) = Unstoppable


8/19

Irregular Income Expences List

Priority Date Due

1 8/1/2010 Trip WI for wedding $0

1 10/30/2010 Upside-Down Sell House Fund -$17

3 11/30/2010 Christmas Trip To WI -$94

4 10/15/2010 USAA Car Insurance -$20

5 10/30/2010 Sunfire State Inspection -$2

5 10/30/2010 SUV State Inspection -$4

5 11/30/2010 Trailer State Inspection -$2

5 11/30/2010 SUV, Sunfire, Trailer, Tax -$9

6 11/30/2010 Christmas Gifts -$24

7 1/3/2011 Medical Bills -$94

7 5/30/2011 Car Repair/Tires -$27

8 12/30/2013 Car Replacement Fund $302

Notes: Once an item is payed out from savings, Remove that item's row

Saving for Irregular IncomeItems

Minimum SavingsRequired/Month


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13/19

Amount Sub Totals

$1,490.00 $1,490 $0.00

$5,700.00 $5,400 -$300.00

$1,600.00 $0 -$1,600.00

$375.00 -$375.00

$35.00 -$35.00

$70.00 -$70.00

$30.00 -$30.00

$150.00 -$150.00

$400.00 -$400.00

$1,500.00 -$1,500.00

$300.00 -$300.00

$6,000.00 -$6,000.00

Total Savings $6,890.00

Amount left to save for $9 $10,760.00

Designated Balancein Savings


14/19


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17/19


18/19

Liquidable Item OR Account Value

Checking Account $1,500.00

Savings Labeled (Emergency fund) $1,000.27

Savings (Old Savings Account) $5.95

$5,400.00

PayPal account $140.00

SUV (Depriciating Constantly) $6,113.74 Initial Value $15,000.00

SunFire (Depriciating Constantly) $687.72 Initial Value $8,000.00

Gift Card for 2 nights in BB hotel $180.00

ITUNES Account $25.00

Courts Gift Cards $20.00

Retirement Account One $5,000.00

Retirement Account Two $18,000.00

Total $38,072.69

(Current Assets)

Money Market Savings Account (UpsidDownHome Fund and Irregular Expences)


19/19

copy of detailed family budget (envelopes system)

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