1.  Does my income cover my expenses? Do I have enough income to pay my bills?
2. Am I financially independent from my family?
3. Do I have an emergency fund?
4. Am I saving enough for retirement in my budgets/planning?
5. Do I have enough to start giving financially to others?          

Month 10 12 YTD Net Income Total Expenses GROSS INCOME Source Source B INCOME TOTAL: Less: Tax (25%) A 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 24000 0 ADJ. GROSS INCOME: Less: Savings (10%) NET INCOME: 1,500.00 1,500.00 1,500.00 1,500.00 150.00 150.00 150.00 150.00 1,350.00 1,350.00 1,350.00 1,350.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 2,000.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 1,500.00 150.00 150.00 150.00 150.00 150.00 150.00 150.00 150.00 1,350.00 1,350.00 1,350.00 1,350.00 1,350.00 1,350.00 1,350.00 1,350.00 24000 6000 18000 1800 16200 EXPENSES Rent/Mortgage 200.00 200.00 Renter's Insurance 20.00 20.00 200.00 20.00 200.00 20.00 Utilities 50.00 50.00 50.00 50.00 200.00 20.00 50.00 200.00 20.00 200.00 20.00 200.00 20.00 200.00 200.00 200.00 200.00 2400 15% 17% 20.00 20.00 20.00 20.00 240 1% 2% 50.00 50.00 50.00 50.00 50.00 50.00 50.00 600 4% 4% Cell Phone/Internet 40.00 40.00 40.00 40.00 40.00 40.00 40.00 40.00 40.00 40.00 40.00 40.00 480 3% 3% Transportation Auto Payment 0 Paid off 0 Auto Insurance 120.00 120.00 120.00 120.00 120.00 Gasoline 100.00 100.00 100.00 100.00 100.00 120.00 100.00 120.00 120.00 120.00 120.00 120.00 120.00 1,440 9% 10% 100.00 100.00 100.00 100.00 100.00 100.00 1200 7% 1% Maintenance 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 600 4% 4% Groceries 120.00 120.00 120.00 120.00 120.00 120.00 120.00 120.00 120.00 120.00 120.00 120.00 1440 9% 10% Clothing 80.00 80.00 80.00 80.00 80.00 80.00 80.00 80.00 80.00 80.00 80.00 80.00 960 6% 7% Personal Items 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 600 4% 4% Dining/Entertainment 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 1200 7% 9% Student Loan 0 0% 0% Credit Card/Accounts 50.00 50.00 Medical, Dental, Vision Insurance 130.00 130.00 Life and Disability Insurance 20.00 20.00 Donations 20.00 20.00 50.00 130.00 20.00 20.00 50.00 130.00 20.00 20.00 50.00 130.00 20.00 20.00 50.00 130.00 50.00 130.00 50.00 130.00 50.00 130.00 50.00 130.00 50.00 50.00 600 4% 4% 130.00 130.00 1560 10% 11% 20.00 20.00 20.00 20.00 20.00 20.00 20.00 240 1% 2% 20.00 20.00 20.00 20.00 20.00 20.00 20.00 240 1% 2% Other 0 0% 0% TOTAL EXPENSES: 1,150.00 1,150.00 1,150.00 1,150.00 BALANCE: 200.00 200.00 200.00 200.00 1,150.00 200.00 1,150.00 1,150.00 1,150.00 200.00 200.00 1,150.00 200.00 200.00 1,150.00 200.00 1,150.00 1,150.00 13800 200.00 200.00 2400