v &              1 Print Areapvv$&%'Personal Budget     ^Guru Habits.com   ^Year                ^Payment Method'1. Recurring Expenses ^Amount ^Period ^Jan. ^Feb. ^Mar. ^Apr. ^May ^June ^July ^Aug. ^Sept. ^Oct. ^Nov. ^Dec. ^Total^Percent^ Notes 'Check'Rent or Morgage @ ^Month @ @ @ @ @ @ @ @ @ @ @ @ @ P[a? 4 'Compare to purchase.'Bill Pay Service'Electric R@ ^Month R@ R@ R@ R@ R@ R@ R@ R@ R@ R@ R@ R@ @ P[a? 4 'Rate increase coming.'Bill Pay Service 'Gas F@ ^Month F@ F@ F@ F@ F@ F@ F@ F@ F@ F@ F@ F@@ P:? 4  'Bill Pay Service 'Water 9@ ^Month 9@ 9@ 9@ 9@ 9@ 9@ 9@ 9@ 9@ 9@ 9@ 9@r@ Py&A? 4   'Bill Pay Service  'Sewer  @  ^Month  @  @  @  @  @ @ @ @ @ @  @  @ X@ P >\i? 4    'Bill Pay Service  'Trash  (@  ^Month  (@  (@  (@  (@  (@ (@ (@ (@ (@ (@  (@  (@ b@ P .qs? 4      'Other                P 4                    P 4    'Cash  'Food  r@  ^Month  r@  r@  r@  r@  r@ r@ r@ r@ r@ r@  r@  r@ @ P [a? 4   'Credit Card'Prescriptions 9@ ^Month 9@ 9@ 9@ 9@ 9@ 9@ 9@ 9@ 9@ 9@ 9@ 9@r@ Py&A? 4   'Cash'Vitamins Y@ ^Annual Y@                Y@ PLk5k? 4    'Other                    P 4                        P 4  'Bill Pay Service'Home Phone .@ ^Month .@ .@ .@ .@ .@ .@ .@ .@ .@ .@ .@ .@f@ P+zƯ.Nx? 4  'Bill Pay Service'Mobile Phone 9@ ^Month 9@ 9@ 9@ 9@ 9@ 9@ 9@ 9@ 9@ 9@ 9@ 9@r@ Py&A? 4  'Bill Pay Service'Internet Service A@ ^Month A@ A@ A@ A@ A@ A@ A@ A@ A@ A@ A@ A@@z@ Pw6[? 4  'Bill Pay Service'Cable or Satellite TV D@ ^Month D@ D@ D@ D@ D@ D@ D@ D@ D@ D@ D@ D@~@ PǦ4? 4 'Reduce to basic only.'Visa Charge'Storage I@ ^Month I@ I@ I@ I@ I@ I@ I@ I@ I@ I@ I@ I@@ Py&A? 4 'Move & eliminate.  'Other                    P 4                        P 4  'Auto Checking'Medical Insurance @e@ ^Month @e@ @e@ @e@ @e@ @e@ @e@ @e@ ^170- @e@ @e@ @e@ @e@8@ P4 1? 4 'Increase Jan 2011.'Debt Card'Dental Insurance or Care @_@ ^Bi Ann   @_@         @_@    @o@ Pc-? 4  'Debt Card'Vision Insurance or Care @U@ ^Annual      @U@          @U@ Pmf? 4  'Pay Check'Life Insurance $@ ^Month $@ $@ $@ $@ $@ $@ $@ $@ $@ $@ $@ $@^@ PǦ4p? 4    'Other                    P 4                        P 4   'Cash'Train, Bus, Taxi A@ ^Month A@ A@ A@ A@ A@ A@ A@ A@ A@ A@ A@ A@@z@ Pw6[? 4   'Cash 'Vehicle Fuel  e@  ^Month  e@  e@  e@  e@  e@ e@ e@ e@ e@ e@  e@  e@ h@ P j ? 4  'Use train, bus more.!'Bill Pay Service!'Vehicle Insurance !F@ !^Month !F@ !F@ !F@ !F@ !F@ !F@ !F@ !F@ !F@ !F@ !F@ !F@!@ P!:? 4 !'Research better rate. "'Check"'Vehicle Registration "r@ "^Annual " " " "r@ "  "  "  "  "  " " ""r@ P"y&A? 4  "#'Debt Card#'Vehicle Smog Check #4@ #^Annual # # # #4@ #  #  #  #  #  # # ##4@ P# w*ԚE? 4  #$'Credit Card$'Vehicle Maintaince $I@ $^Perdic $ $ $ $ $I@  $  $  $  $ $I@ $ $$Y@ P$Lk5k? 4  $%'Credit Card%'Driver's License %4@ %^3 yrs % % % % %  %  %  %  %  % % %4@%4@ P% w*ԚE? 4  % & &'Other & & & & & & &  &  &  &  &  & & && P& 4  & ' ' ' ' ' ' ' ' '  '  '  '  '  ' ' '' P' 4  ' ('Cash('Entertainment (b@ (^Month (b@ (b@ (b@ (b@ (b@ (b@ (b@ (b@ (b@ (b@ (b@ (b@( @ P([a? 4  ()'Bill Pay Service)'Subscriptions )I@ )^Annual )I@ ) ) ) )  )  )  )  )  ) ) ))I@ P)Lk5[? 4 )'Drop next renewal.*'Auto Checking*'Health Club *(@ *^Month *(@ *(@ *(@ *(@ *(@ *(@ *(@ *(@ *(@ *(@ *(@ *(@*b@ P*.qs? 4 *'Buy home gym. +'Check+'Memberships +9@ +^Bi Ann +9@ + + + +  + +9@  +  +  + + ++I@ P+Lk5[? 4  + , ,'Other , , , , , , ,  ,  ,  ,  ,  , , ,, P, 4  , - - - - - - - - -  -  -  -  -  - - -- P- 4  -.'Credit Card.'Website Hosting .@U@ .^Annual . . . . .  .  . .@U@  .  . . ..@U@ P.mf? 4  ./'Credit Card/'Domain Renewals /$@ /^Annual / / / / /$@  /  /  /  / /$@ / //4@ P/ w*ԚE? 4  / 0 0'Other 0 0 0 0 0 0 0  0  0  0  0  0 0 00 P0 4  0 1 1 1 1 1 1 1 1 1  1  1  1  1  1 1 11 P1 4  1 2 2 2 2 2 2 2 2 2  2  2  2  2  2 2 22 P2 4  2 3 3 3 3 3 3 3 3 3  3  3  3  3  3 3 33 P3 4  34^Subtotal4@ ѿP 44@ ѿP4(@ ѿP4"@ ѿP4@ ѿP4@ ѿP 4ң@ ѿP 4Z@ ѿP 4~@ ѿP 4"@ ѿP 4@ ѿP4(@ ѿP4P@ ѿP4@ P4? ѿP 5 5 5 5 5 5 5 5  5  5  5  5  5 5 5 5 56^Payment Method6'2. Debts & Nonrecurring 6^Amount 6^Period 6^Jan. 6^Feb. 6^Mar. 6^Apr. 6^May 6^June 6^July 6^Aug. 6^Sept. 6^Oct. 6^Nov. 6^Dec. 6^Total6^Percent 6^Notes7'Bill Pay Service7'Vehicle Balance 7@@7^Paid 8/10 7i@ 7i@ 7i@ 7i@ 7i@ 7i@ 7i@ 7i@ 7i@ 7i@ 7i@ 7i@7@ P7kP'Credit Card>'Replace Car Tires >y@ >^Feb > >y@ > > >  >  >  >  >  > > >>y@ P>:kP?'Debt Card?'Fix Teeth ?p@ ?^Sept ? ? ? ? ?  ?  ?  ? ?p@  ? ? ??p@ P?dh? D ?'Cosmetic. @ @'Other @ @ @ @ @ @ @  @  @  @  @  @ @ @@ P@ D  @ A A A A A A A A A  A  A  A  A  A A AA PA D  A B B B B B B B B B  B  B  B  B  B B BB PB D  B C C C C C C C C C  C  C  C  C  C C CC PC D  CD^SubtotalD@ P DDu@ PDp@ PDu@ PDu@ PDʹ@ P DPt@ P DPt@ P D l@ P D@ P Di@ PDi@ PDi@ PD@ PD? P D E F G'Total Expenses & Payments G GGB@ PG@ PGަ@ PGd@ PG@ P G\@ P G@ P G@@ P G@ P G0@ PG@ PG@ PGy@ P H I^SourceI'3. Income I^Amount I^Period I^Jan. I^Feb. I^Mar. I^Apr. I^May I^June I^July I^Aug. I^Sept. I^Oct. I^Nov. I^Dec. I^TotalI^Percent I^NotesJ'Jet ServicesJ'Job Paycheck Jp@ J^Month Jp@ Jp@ Jp@ Jp@ Jp@ Jp@ Jp@ Jp@ Jp@ Jp@ Jp@ Jp@J@ PJZ7"u? T J'Seek promotion.K'Web siteK'Business K@@ K^Month K@@ K@@ K@@ K@@ K@@ K@@ K@@ K@@ K@@ K@@ K@@ K@@Kp@ PK#u)? T K'Start 2nd website.L'Oak St. Apt. L'Rental L@@ L^Month L@@ L@@ L@@ L@@ L@@ L@@ L@@ L@@ L@@ L@@ L@@ L@@Lp@ PL#u)? T  LM'Fed BankM'Interest Savings Mb@ M^Month Mb@ Mb@ Mb@ Mb@ Mb@ Mb@ Mb@ Mb@ Mb@ Mb@ Mb@ Mb@M @ PM*Y7"? T  MN'State BankN'Savings Withdrawal N@N^One time N N N N N@  N  N  N  N  N N NN@ PN} g? T  N O O'Other O O O O O O O  O  O  O  O  O O OO PO T  O P P P P P P P P P  P  P  P  P  P P PP PP T  P Q Q Q Q Q Q Q Q Q  Q  Q  Q  Q  Q Q QQ PQ T  Q R R R R R R R R R  R  R  R  R  R R RR PR T  R S S S S S S S S S  S  S  S  S  S S SS PS T  ST'Total IncomeTr@ P TT*@ PT*@ PT*@ PT*@ PTr@ P T*@ P T*@ P T*@ P T*@ P T*@ PT*@ PT*@ PT@ PT? T  T&V'Balance (Income less Expenses) V VV$@  V@  V@  V@  Vj@   V@   V@   V@   V@   VH@  V8@  V@  V@  X^LocationX'4. LIquid Assets X^AmountX^Percent X^GoalX^Percent X^Notes X X  X  X  X  X  X X X X X Y'Safe Y'Cash Yy@Yaa? c  Y@@Y? c  Y Y Y  Y  Y  Y  Y  Y Y Y Y YZ'State BankZ'Savings Account Zp@Zm۶m? c  Z@Z? c (Z'Increase savings by $500 monthly. Z Z  Z  Z  Z  Z  Z Z Z Z Z['Fed Bank['Money Market Account [@[0 0 ? c  [@[? c  ['Research for better rate. [ [  [  [  [  [  [ [ [ [ [ \ \'Other \\ c  \\ c  \ \ \  \  \  \  \  \ \ \ \ \ ] ] ]] c  ]] c  ] ] ]  ]  ]  ]  ]  ] ] ] ] ] ^ ^ ^^ c  ^^ c  ^ ^ ^  ^  ^  ^  ^  ^ ^ ^ ^ ^ _ _ __ c  __ c  _ _ _  _  _  _  _  _ _ _ _ _ ` ` `` c  `` c  ` ` `  `  `  `  `  ` ` ` ` ` a a aa c  aa c  a a a  a  a  a  a  a a a a a b b bb c  bb c  b b b  b  b  b  b  b b b b bc'Subtotalch@ Pc? c c@@ Pc? c  c c c  c  c  c  ce^Locatione'5. Non-liquid Assets e^Paide^Percent e^Selle^Percent e^Notes e e  e  e  e  e  e e e e ef'77 Sunset f'Home fOAf? r  fAfIq ? r @f'Research for better interest rate for possible refinance. f f  f  f  f  f  f f f f fg'Pleasantville g'Land gj@g9N? r  g@gƺ? r  g g g  g  g  g  g  g g g g g h'Work h'401K * h`Ahpy? r  hOAhMX@? r Sh' * Penalties & taxes on withdrawals before age 59 1/2. Estimate 20 percent. h h  h  h  h  h  h h h h hi'Security Trust i'IRA * i@ius.Q? r  ij@i:=+? r Si' * Penalties & taxes on withdrawals before age 59 1/2. Estimate 20 percent. i i  i  i  i  i  i i i i i j'Homej'Automobile j@jW? r  j|@jr A/? r  j j j  j  j  j  j  j j j j jk'A1 Storage k'Boat kX@kgi? r  kX@kWdYt? r 9k'Sell in Spring just before Summer vacation season. k k  k  k  k  k  k k k k k l l'Other ll r  ll r  l l l  l  l  l  l  l l l l l m m mm r  mm r  m m m  m  m  m  m  m m m m m n n nn r  nn r  n n n  n  n  n  n  n n n n n o o oo r  oo r  o o o  o  o  o  o  o o o o o p p pp r  pp r  p p p  p  p  p  p  p p p p p q q qq r  qq r  q q q  q  q  q  q  q q q q qr'Subtotalr8*A Pr? r r%A Pr? r  r r r  r  r  r  r  r r r r r s  s  s  s/t'Total Assets (Current estimated value.) t tt%A P t t  t  t  tu^Guru Habits.com  u  u  u v  v  v  v