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T-Charitable GiftsIncomeSavingRetirement Fund College FundHousingFirst MortgageSecond MortgageHomeowners insReplace FurnitureOtherRepairs or Mn Fee Utilities ElectricityWaterPhone Cell Phone Trash/PSICableFOODGrocery RestaurantsTransportation Car Payment Gas & OilRepairs and Tires Car InsuranceLicense & TaxesCar Replacement PAGE 1 TOTALBudgeted ItemsReal Estate Taxes Sub TotalTotalActually SpentMONTHLY CASH FLOW PLANBudgeted % of Take Home PayMONTHLY CASH FLOW PLAN (3)MONTHLY CASH FLOW PLAN (2)ClothingChildrenAdultCleaning/LaundryMedical/HealthDisability InsuranceHealth Insurance Doctor BillsDentistDrugsLong Term Care InsPersonalLife Insurance Baby Sitter Toiletries Cosmetics Hair CareEducation/AdultBlow $$ MiscellaneousBirthday GiftsChristmas Gifts SubscriptionsAlimonySchool SuppliesSchool Tuition Recreation EntertainmentVacationDEBTSVisa 1Visa 2American Express Discover Card Gas Card 2 Gas Card 1Dept Store Card 1Dept Store Card 2 Finance Co 1 Finance Co 2 Credit Line 1 Credit Line 2Student Loan 1Student Loan 2 Page 3 Total Page 2 Total Page 1 Total Grand Total Total IncomeZero PAGE 2 TOTALRecommended Percentages 10% - 15%5%-10% 25% - 35%10%-15%2% - 7%5%-15%(Take Home Pay) Optometrist MasterCard 1Gas Child CareInternetGym MembershipEnter Your Net Income Here -> Child Support Other GiftsChildren CommissionsOrganization Dues Adjust Until This Number is ZeroEmergency FundExtra Mortgage Pmt MasterCard 2use Envelope SystemFinancial Peace University InstructionsMonthly Cash Flow Plan2The original version of this form can be found at:Hhttp://www.daveramsey.com/media/pdf/fpu_monthly_cash_flow_plan_forms.pdf+How to Use the Monthly Cash Flow Plan Form:DYou can't budget what you don't bring home so ignore your gross pay.[1. Enter your monthly take home pay for the upcoming month in the box in cell N1 on Page 1F2. Budget all the money you plan to spend until cell N7 shows a zero.VIf the number in N7 is negative you need to revise your budget and cut back somewhere.CIf the number in N7 is positive, you need to allocate it somewhere._3. Use envelopes to spend money in shaded categories. These are areas where people overspend.<4. In a marriage, both couples need to agree to the budget.h5. The budget will not work very well during your first month. Just like any new skill, it takes time. for details.jThe accompanying 3 tabs are an Excel version of the Monthly Cash Flow Plan that has been used for years bympeople following the advise of consumer advocate Dave Ramsey to do a zero based budget each month. It is setXup on three pages to give the same look and feel of the paper based version of the form.s8. If you have irregular income (I.e., on full commission, own your own business) you will need to use a differentFform. You can request this form by emailing endprogram@zionsbank.com.k9. These forms are free and you can pass them on to other people to help them as long as you do not chargethem.u6. If you are frustrated with results, don't punish yourself by giving up. Your next month's budget will be better.iAnother option is to participant in a 13-week Financial Peace University class. Go to www.daveramsey.comj7. Make this a regular habit. If you need help, listen to the Dave Ramsey Show on the radio or Internet. )  I{ rX}9c5D]ud  (ɀ _!  dMbP?_*+%&?'?MHP LaserJet 4 Plus4C odXXLetterDINU"4e "dXX??U} ;;;    r t s    u v 7w y x z { | } ~         6R>@d7 (ɀ P|&A1;?DpIMR W[`d*im:rvw  dMbP?_*+% (?)?MHP LaserJet 4 Plus4C odXXLetterDINU"4e "\XX??U} $} } } } } } }    0     J   ;    J           J    5h 4  .a .  +S "  Z'  +T "  Z(  +U "  Z)  +V "  Z*  +m " ,iZ, 8#99999999:     !  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