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SPENDING PLAN WORKSHEET

Understanding how much income is coming in and where you are spending your money is the first step towards a balanced budget. Please enter your monthly income and expenses below to get started.

PART I

Money In (per month)	You	Your Spouse	Joint


Gross earned income


Bonuses and commissions


Interest and dividends


Alimony and child support


Other (rental income, etc.)

TOTAL INCOME

PART II

Money Out for Expenses (per month)	You	Your Spouse	Joint

Payroll Withholdings for Taxes

Federal, State, and FICA
Household

Mortgage/Rent

Homeowner fees

Maintenance

Groceries
Utilities

Gas

Electric

Home Phone

Mobile Phone

Water/Sewer

Cable/Satellite

Internet
Insurance

Life

Home/Rental/Condo

Health/Dental

Disability

Auto
Transportation

Auto payment

Public transportation

Gas and auto maintenance
Entertainment

Recreation/Vacations

Dining out

Monthly membership dues

Other
Personal

Hair/Beauty

Clothing

Dry-cleaning


Monthly Credit Card Payment


Child Care (or Elder Care)/Tuition


Medical, Dental, Prescriptions (not covered by insurance)


Charitable Contributions


Gifts (weddings, birthdays, etc.)


Alimony and Child Support


Miscellaneous (pets, etc.)

TOTAL EXPENSES

PART III

Money Out for Saving and Investing (per month)	You	Your Spouse	Joint


Savings (passbook, money market, etc.)


Investments (mutual funds, stocks, etc.)


Retirement (401k, IRA contributions, etc.)


Education (529 Plans, etc.)

TOTAL SAVINGS

TOTAL ADDITIONAL AVAILABLE FOR SAVINGS

Wachovia Securities is the trade name used by two separate, registered broker-dealers and nonbank affiliates of Wachovia Corporation providing certain retail securities brokerage services: Wachovia Securities, LLC, Member NYSE/SIPC, and Wachovia Securities Financial Network, LLC, Member FINRA/SIPC.

03/06 0306-20419

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