Complete a Financial Budget

Expenses that come up a couple of times a year that you know you need to budget for. For example, you know you'll spend about $1,800 on car maintenance over the year, but you won't pay it on a regular schedule. So you budget $150 every month into "Car Maintenance," and then, on some sad day, you'll have to give the mechanic all that money. But, if you've budgeted right, at least you'll have money to give him. Another example: holidays. If you're planning on spending $1,200, budget $100 a month, and you'll be covered.

Expenses that you pay every month, but that you might budget differently from month to month. So you might normally budget $100 for "dining out." But if the budget's tight one month, you might cut that to $75. These are expenses that you can plan on (somewhat), but that you want to be able to change when needed. In other words, these expenses change from month-to-month.

List all sources of income here. Examples include a job, rental income, Social Security, pension, business income, etc.

List all available assets. Include bank accounts (checking/savings), money market accounts, CD's, brokerage accounts (stocks/bonds/mutual funds), retirement accounts, life insurance policy value(s), market value of real estate owned, automobile value, and any other assets you can think of.

List all liability descriptions and current total balances here. Include mortgage loans, auto loans, student loans, personal loans, remaining lease balances, credit card balances, tax liabilities, etc. Balances here may relate to monthly expenses input earlier.

Detail your estimated credit scores here and if there are any current issues with your credit (i.e. late payments, inaccurate information, etc.).

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