Balance Sheet Monthly Cash Flow Statement Monctary Assets Income Gross Monthiy Pay 55.440 Checking Account Savings Account Total Monetary Assets S 5,000 2,000 7,000 S5,440 Total Income $5,440 Area Ratie Living Expenses Covered Ratio Debt Ratio Debt Service to Income Ratio Saving Ratio Investment Assets to Total Assets Ratio(Investment Assets + Retirement Assets)/Total Assets Monetary Assets/Monthly Living Expenses Total Liabilities/Total Assets Annual Debt Payments/Annual Income Annual Savings/Annual Living Expenses to 6 months less than 1 less than 36% 10% or more 10% or more Tangible Assets Variable 21,000 2,000 20,000 190,000 S 233,000 Food Clothes Utliies Credt Cards Transportation Gifts Miscellaneous $350 $250 Car Entertairm ent Center Boat House $350 Total Tanable Assets Investment Assets S 550 $1,330 Fim do documento S 85,000 S 20,000 $105,000 401k Total Vaiable Expenses IRA Fixed Tota Investm ent Assets Total Assets Liabilities am ent Mortgage P Auto Medcal Bills Boat Payment 1,500 $425 345.000 100 Short Tem Student Loan Payment %200 Homeowners insurance $ 100 $870 S995 IRA ContibutionS100 $4,485 S 6,400 Credit CardDebt Medical Bills Child Support Total Short Tem D ebt S 10,400 Income Taxes Total FixedExpenses Total Expenses Surplus Deficit L ongTem Boat Mortga Student Loan Car Loan 8,000 S 115,000 S 28,000 15.000 166,000 S6,315 Total L cnz Term Debt Total Liabilities Net Worth