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Basic Financial Planning for Newlyweds

 
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Template for Your Monthly Cash Flow Budget

(Click Here for a Example of a completed Monthly Cash Flow Budget)

 

Monthly Inflows

 

Total

Employer #1

Employer #2

Employer #3

Salaries:

Gross monthly salary

__________

__________

__________

__________

Federal taxes withheld

__________

__________

__________

__________

Social security (FICA) taxes withheld

__________

__________

__________

__________

Medicare taxes withheld

__________

__________

__________

__________

State taxes withheld

__________

__________

__________

__________

401(k)/403(b) withheld

__________

__________

__________

__________

Dependent care expenses withheld

__________

__________

__________

__________

Medical/dental insurance withheld

__________

__________

__________

__________

Pre-tax medical/dental expenses withheld

__________

__________

__________

__________

Parking/Mass transit withheld

__________

__________

__________

__________

Other payroll deductions

__________

__________

__________

__________

     Net monthly pay check

__________

__________

__________

__________

Self-employment income:

Total

Business #1

Business #2

Business #3

Gross monthly collections

__________

__________

__________

__________

Applicable business expenses

__________

__________

__________

__________

Net self-employment income

__________

__________

__________

__________

Federal taxes and SE taxes set aside

__________

__________

__________

__________

State taxes set aside

__________

__________

__________

__________

Retirement plan contributions 

__________

__________

__________

__________

     Net monthly cash flow from business

__________

__________

__________

__________

Other inflows:

Gross rental income (if you own a multi-family)

__________

Net rental income (if you own other rental real estate)

__________

Investment income (not re-invested)

__________

_______________________________________

__________

_______________________________________

__________

     Total other cash flows

__________

TOTAL MONTHLY INFLOWS

 

__________

Monthly Outflows

 

Auto expenses:

Loan/lease

__________

Fuel/maintenance/repairs

__________

Insurance

__________

Parking (at home)

__________

_______________________________________

__________

_______________________________________

__________

     Total auto expenses

__________

Children:

Clothing, toys, babyfood, & diapers

__________

Childcare (in excess of amounts withheld from salary)

__________

     Total children

__________

Home expenses:

Mortgage (minimum payment)/rent

__________

Cleaning

__________

Home repair/supplies

__________

Utilities: cable, gas/electric, water & telephone

__________

_______________________________________

__________

_______________________________________

__________

     Total home expenses

__________

Other expenditures:

Clothing

__________

Dining and entertainment

__________

Dry cleaning

__________

Gifts

__________

Groceries

__________

Health & beauty

__________

Insurances - life & disability

__________

Medical & insurance (in excess of amounts withheld)

__________

_______________________________________

__________

_______________________________________

__________

     Total other expenditures

__________

Minimum Debt Payments:

Equity loan

__________

Student loans

__________

Credit card

__________

_______________________________________

__________

_______________________________________

__________

     Total minimum debt payments

__________

TOTAL MONTHLY INFLOWS

 

__________

NET MONTHLY SURPLUS/(DEFICIT)

 

__________

 

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