| Income |
| Regular
Income - Enter you normal monthly income here. If you are
married add your income and your spouses. |
|
| Other
Income - Enter any extra monthly income you might make from
a night job, royalties, etc. |
|
| Expenses |
| Rent
or Mortgage - Enter your monthly rent or mortgage bill here. |
|
| Car
Payment - If you have a car loan(s), enter the total monthly
payment(s) here. |
|
| College
loans - If you are making payments on a college loan, enter
the payment here. |
|
| Other
loans - If you make monthly payments on other loans for
furniture, boats, appliances, etc., enter the total monthly
payments here. |
|
| Insurance
- If you make monthly payments on any type of insurance,
enter the amount here (do not enter insurance policies that
you pay yearly or every six months, as they will be on the
hidden expense calculator). |
|
| Groceries
- Enter the amount you spend per month on food at the grocery |
|
| Eating
Out - Enter the amount you spend per month on food at restaurants,
vending machines, etc. |
|
| Gasoline
- Enter the amount you spend per month on gasoline |
|
| Electricity
- Enter your average monthly electric bill here. |
|
| Gas
- Enter your average monthly natural gas bill here. |
|
| Water/Sewer
- Enter your average monthly water bill here |
|
| Telephone
- Enter the amount you spend on local and long distance
phone service per month |
|
| Clothing
- Enter the amount you spend on clothing per month |
|
| Habits
- If you smoke, play the lottery, etc. on a regular basis,
enter your average monthly expenses here. |
|
| Cable
TV - If you have cable enter your monthly bill here. |
|
| Cellular
phone or beeper - If you have a cell phone or beeper and
pay a monthly bill on it, enter the bill here. |
|
| Entertainment
- Enter you average monthly expenditure on entertainment:
movies, videos, nightclubs, shows, music (CDs and tapes,
concerts, etc.), Internet, video games, etc. |
|
| Medical
- If you spend money monthly for medicine, treatment or
medical insurance, enter the amount here. |
|
| Other
- Enter here anything else you can think of that you typically
pay on a monthly basis. |
|
| Hidden
Expenses - Use the Hidden
Expense Calculator to calculate your total hidden expenses,
and enter the monthly number from that calculator here. |
|
| Click
this button to calculate the total. |
|
| Total
Income - This is your total income per month |
|
| Total
Expenses - This is the total amount of money you spend per
month on expenses. |
|
| Loss
or gain - This number is total income minus total expenses,
and indicates your loss or gain each month. A positive number
indicates that you make more than you spend and therefore
are able to save money each month. A negative number indicates
that you spend more than you make and are therefore borrowing
money each month. |
|
