|
|
| Assets
and Liabilities |
|
|
Annual
Expenses |
|
| |
|
|
Rent
|
_______
|
| Add
up your assets and subtract your total liabilities. |
|
|
Food
|
_______
|
| |
|
|
Clothing
|
_______
|
| |
|
|
Transportation
|
_______
|
| This
is your net worth. |
|
|
Medical/Dental
|
_______
|
| |
|
|
Insurance
Premiums |
|
| Assets
|
|
|
Life
|
_______
|
| Cash
on Hand |
_______
|
|
Auto
|
_______
|
| Savings
Accounts |
_______
|
|
Renters
|
_______
|
| Cash
Value of Stocks |
_______
|
|
Other
|
_______
|
| Mutual
Funds |
_______
|
|
Tax
Payments |
_______
|
| Bonds
|
_______
|
|
Utilities
|
_______
|
| Life
Insurance Cash Value |
_______
|
|
Savings
|
_______
|
| IRAs
|
_______
|
|
Tuition/Day
Care |
_______
|
| Keogh
Plan |
_______
|
|
Alimony/Child
Support |
_______
|
| Employee
Savings Plans |
_______
|
|
Loan/Charge
Acc. Payments |
_______
|
| Pensions
|
_______
|
|
Recreation/Entertainment
|
_______
|
| Real
Estate |
_______
|
|
Other
|
_______
|
| Other
|
_______
|
|
Total
Annual Expenses |
$_______
|
| Total
Assets |
$_______
|
|
|
|
| |
|
|
Estimated
Operating Costs |
|
| Liabilities
|
|
|
Homeowners
Insurance |
_______
|
| Installment
Loans |
_______
|
|
Property
Tax |
_______
|
| Credit
Card Balances |
_______
|
|
Maintenance/Improvements
|
_______
|
| Student
loans |
_______
|
|
Utilities
|
_______
|
| Other
Debts |
_______
|
|
Condo/Co-Op/Homeowners
|
|
| Total
Liabilities |
_______
|
|
Association
Fees |
_______
|
| |
|
|
Other
|
_______
|
| Subtotal
Your Total Liabilities |
|
|
Total
Estimated Operating |
|
| from
Your Total Assets. |
|
|
Costs
|
$_______
|
| This
is your net worth |
$_______
|
|
|
|
| |
|
|
Add
Your Annual Expenses |
|
| Emergency
Funds |
|
|
Operating
Costs And Then |
|
| (Six
Months Income Sug.) |
_______
|
|
Subtract
Them From Your |
|
| |
|
|
Annual
Income. |
$_______
|
| Subtract
Your Emergency Funds |
|
|
|
|
| From
Your Net Worth. This |
|
|
Add
back in the costs for |
|
| is
the amount you have for |
|
|
rent,
utilities and |
|
| down
payment and closing |
|
|
renters
insurance. You |
|
| costs.
|
$_______
|
|
will
be able to spend this |
|
| |
|
|
money
on your new house. |
|
| Annual
Income |
$_______
|
|
The
total is the amount |
|
| Gross
salary |
_______
|
|
you
can spend per year on |
|
| Alimony
|
_______
|
|
your
new house. |
$_______
|
| Child
support |
_______
|
|
|
|
| Interest
|
_______
|
|
Divide
this amount by 12 |
|
| Dividends
|
_______
|
|
to
get a monthly mortgage |
|
| Tax
refunds |
_______
|
|
payment
amount. |
$_______
|
| Other
|
_______
|
|
|
|
| Total
Annual Income |
$_______
|
|
|
|
|
