Revenue

Dad monthly
Mom monthly
Total Revenue

$
$
$

Month
4,800.00 $ 4,800.00
350.00 $
350.00
5,150.00 $ 5,150.00

Expenses
Car
Food
Lessons
Laundry
Dry Cleaning
Gifts
Life Insurance
Medical Insurance
Car Insurance
Tithing
Charities
Newspaper
Bowling League
Internet
Cable TV
Utilities
Home Phone
Cell Phone
Gas
Misc.
Total Expenses

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

200.00
450.00
155.00
30.00
20.00
15.00
20.00
200.00
120.00
615.00
35.00
35.00
85.00
25.00
95.00
275.00
75.00
85.00
170.00
30.00
2,735.00

Revenue - Expenses (less debt pmt)

1st Mortgage
2nd Mortgage
Remaining cash flow
Credit Card #2
Medical Bill
Credit Card #1
Gas Credit Card
Credit Card #3
2nd Mortgage
Car Loan
Credit Union Loan
Total debt payments (w/o 1st Mortgage)

I took away the second car because the

$
50.00
###
I took away lessons because they were
$
30.00
###
$
20.00
###
$
15.00
###
$
20.00
###
$
200.00
###
$
60.00
###
$
615.00
###
Dont need extra charities. Only need t
They have the internet and there phon
Dont need to be on a bowling league.
$
25.00
###
$
95.00
###
$
275.00
###
They have cell phones. Dont need to p
$
85.00
###
$
85.00
###
$
30.00
###
$ 1,605.00 $ 1,605.00
$
$
$
$

Paid of
2 months
4 months
10 months
13 months
24 months
57 months
67 months

1
###
###
$ 5,150.00

3,545.00
1,149.00
2,396.00
$34.67
$65.07
$158.00
$92.72
$274.37
$582.82
$0.00
$280.85
$1,488.50

$ 3,545.00
###
###
$ 2,396.00
$34.67
$65.07
$158.00
$92.72
$274.37
$582.82
$0.00
$280.85
$1,488.50

Remaining after debt payments

Credit Card #2

$1,000.00
Balance

Medical Bill

$1,876.97

907.50

907.50
$92.50 $
$

Balance
Credit Card #1

907.50

860.50
860.50
$1,016.47

$6,000.00
Balance

Gas Credit Card

$1,969.78
Balance

Credit Card #3

$12,619.08
Balance

2nd Mortgage

$49,612.40
Balance

Credit Union Loan

$19,225.00
Balance

Amount

APR %

Current
Payment

Credit Card #2

$1,000.00

Medical Bill

$1,876.97

Credit Card #1

$6,000.00

Gas Credit Card

$1,969.78

15.0%
15.0%
12.0%
12.0%
11.0%
9.5%
7.0%
6.0%
6.0%

$34.67
$65.07
$158.00
$92.72
$274.37
$582.82
$200.00
$280.85
$1,149.00

Description

Credit Card #3

$12,619.08

2nd Mortgage

$49,612.40

Car Loan
Credit Union Loan

$5,200.00
$19,225.00

1st Mortgage

$119,412.57

Total debt

$216,915.80

Retirement Account

$124,838.80

$2,837.50

This amount is if they do

It says nothing of how much

the family puts into retirement
account. Only that his
company puts in $150.00 each
month into the account

I also used the Future value funtion to determine how much they would make in 30 years. I as

2
3
4
5
6
7
$ 4,800.00 $ 4,800.00 $ 4,800.00 $ 4,800.00 $ 4,800.00 $ 4,800.00
$
350.00 $
350.00 $
350.00 $
350.00 $
350.00 $
350.00
$ 5,150.00 $ 5,150.00 $ 5,150.00 $ 5,150.00 $ 5,150.00 $ 5,150.00

ond car because they do not need it. They can share and still make it work.
$
50.00 $
50.00 $
50.00 $
50.00 $
50.00 $
50.00
s because they were to busy with hw and school to be able to do it and they dont like them anyways.
$
30.00 $
30.00 $
30.00 $
30.00 $
30.00 $
30.00
$
20.00 $
20.00 $
20.00 $
20.00 $
20.00 $
20.00
$
15.00 $
15.00 $
15.00 $
15.00 $
15.00 $
15.00
$
20.00 $
20.00 $
20.00 $
20.00 $
20.00 $
20.00
$
200.00 $
200.00 $
200.00 $
200.00 $
200.00 $
200.00
$
60.00 $
60.00 $
60.00 $
60.00 $
60.00 $
60.00
$
615.00 $
615.00 $
615.00 $
615.00 $
615.00 $
615.00
harities. Only need to give to tithing for right now.
rnet and there phone. They dont need the newspaper.
n a bowling league. Get rid of debt first then can sign back up.
$
25.00 $
25.00 $
25.00 $
25.00 $
25.00 $
25.00
$
95.00 $
95.00 $
95.00 $
95.00 $
95.00 $
95.00
$
275.00 $
275.00 $
275.00 $
275.00 $
275.00 $
275.00
nes. Dont need to pay an additional amount each month for a phone they rarely use.
$
85.00 $
85.00 $
85.00 $
85.00 $
85.00 $
85.00
$
85.00 $
85.00 $
85.00 $
85.00 $
85.00 $
85.00
$
30.00 $
30.00 $
30.00 $
30.00 $
30.00 $
30.00
$ 1,605.00 $ 1,605.00 $ 1,605.00 $ 1,605.00 $ 1,605.00 $ 1,605.00
$ 3,545.00 $ 3,545.00 $ 3,545.00 $ 3,545.00 $ 3,545.00 $ 3,545.00
$ 1,149.00 $ 1,149.00 $ 1,149.00 $ 1,149.00 $ 1,149.00 $ 1,149.00
$
$
$
$
$
$
$ 2,396.00 $ 2,396.00 $ 2,396.00 $ 2,396.00 $ 2,396.00 $ 2,396.00
$0.00
$65.07
$158.00
$92.72
$274.37
$582.82
$0.00
$280.85
$1,453.83

$0.00
$65.07
$158.00
$92.72
$274.37
$582.82
$0.00
$280.85
$1,453.83

$0.00
$0.00
$158.00
$92.72
$274.37
$582.82
$0.00
$280.85
$1,388.76

$0.00
$0.00
$158.00
$92.72
$274.37
$582.82
$0.00
$280.85
$1,388.76

$0.00
$0.00
$158.00
$92.72
$274.37
$582.82
$0.00
$280.85
$1,388.76

$0.00
$0.00
$158.00
$92.72
$274.37
$582.82
$0.00
$280.85
$1,388.76

942.17

942.17 $
942.17
$74.30
-$867.87
$5,132.13

Payments
Remaining

36
36
48
24
60
142
28
84
147

942.17

$ 1,007.24

$1,007.24
4,124.89

$ 1,007.24

$1,007.24
$3,117.65

$ 1,007.24

$1,007.24
$2,110.41

$ 1,007.24

$1,007.24
$1,103.17

Total Amount Owed

$1,248.12
$2,342.52
$7,584.00
$2,225.28

Didnt do amortization schedule. Also assuming the 1st

mortgage will forever have to be paid. Also started
with the highest APR % and got rid of that debt first

$16,462.20
$82,760.44
$5,600.00 Sold

the car so we dont need to have a car loan. Sold it for the am

$23,591.40
$168,903.00

amount is if they dont put a single more dollar into there retirement savings. But since all there debt i

ake in 30 years. I assumed there 401k had a interest plan for them so I looked it up and the most com

8
9
10
11
12
13
$ 4,800.00 $ 4,800.00 $ 4,800.00 $ 4,800.00 $ 4,800.00 $ 4,800.00
$
350.00 $
350.00 $
350.00 $
350.00 $
350.00 $
350.00
$ 5,150.00 $ 5,150.00 $ 5,150.00 $ 5,150.00 $ 5,150.00 $ 5,150.00

$
50.00
t like them anyways.
$
30.00
$
20.00
$
15.00
$
20.00
$
200.00
$
60.00
$
615.00

50.00

50.00

50.00

50.00

50.00

$
$
$
$
$
$
$

30.00
20.00
15.00
20.00
200.00
60.00
615.00

$
$
$
$
$
$
$

30.00
20.00
15.00
20.00
200.00
60.00
615.00

$
$
$
$
$
$
$

30.00
20.00
15.00
20.00
200.00
60.00
615.00

$
$
$
$
$
$
$

30.00
20.00
15.00
20.00
200.00
60.00
615.00

$
$
$
$
$
$
$

30.00
20.00
15.00
20.00
200.00
60.00
615.00

$
$
$

$
$
$

25.00
95.00
275.00

$
$
$

25.00
95.00
275.00

$
$
$

25.00
95.00
275.00

$
$
$

25.00
95.00
275.00

$
$
$

25.00
95.00
275.00

25.00
95.00
275.00

$
85.00
$
85.00
$
30.00
$ 1,605.00

$
85.00
$
85.00
$
30.00
$ 1,605.00

$
85.00
$
85.00
$
30.00
$ 1,605.00

$
85.00
$
85.00
$
30.00
$ 1,605.00

$
85.00
$
85.00
$
30.00
$ 1,605.00

$
85.00
$
85.00
$
30.00
$ 1,605.00

$ 3,545.00 $ 3,545.00 $ 3,545.00 $ 3,545.00 $ 3,545.00 $ 3,545.00

$ 1,149.00 $ 1,149.00 $ 1,149.00 $ 1,149.00 $ 1,149.00 $ 1,149.00
$
$
$
$
$
$
$ 2,396.00 $ 2,396.00 $ 2,396.00 $ 2,396.00 $ 2,396.00 $ 2,396.00
$0.00
$0.00
$158.00
$92.72
$274.37
$582.82
$0.00
$280.85
$1,388.76

$0.00
$0.00
$158.00
$92.72
$274.37
$582.82
$0.00
$280.85
$1,388.76

$0.00
$0.00
$0.00
$92.72
$274.37
$582.82
$0.00
$280.85
$1,230.76

$0.00
$0.00
$0.00
$92.72
$274.37
$582.82
$0.00
$280.85
$1,230.76

$0.00
$0.00
$0.00
$92.72
$274.37
$582.82
$0.00
$280.85
$1,230.76

$0.00
$0.00
$0.00
$0.00
$274.37
$582.82
$0.00
$280.85
$1,138.04

$ 1,007.24

$1,007.24
$95.93

$ 1,007.24

$ 1,165.24

$ 1,165.24

$ 1,165.24

$ 1,257.96

$1,007.24
-$911.31
$2,881.09 $ 1,165.24 $ 1,165.24 $ 1,165.24
$1,715.85
$550.61
-$614.63
$13,233.71 $ 1,257.96
$11,975.75

Also assuming the 1st

e paid. Also started
rid of that debt first

oan. Sold it for the amount that we owed.

ut since all there debt is paid of they will need a new budget plan to put more retirement money into it

up and the most common is 5%. So I just added that to it.

14
15
16
17
18
19
$ 4,800.00 $ 4,800.00 $ 4,800.00 $ 4,800.00 $ 4,800.00 $ 4,800.00
$
350.00 $
350.00 $
350.00 $
350.00 $
350.00 $
350.00
$ 5,150.00 $ 5,150.00 $ 5,150.00 $ 5,150.00 $ 5,150.00 $ 5,150.00

50.00

50.00

50.00

50.00

50.00

50.00

$
$
$
$
$
$
$

30.00
20.00
15.00
20.00
200.00
60.00
615.00

$
$
$
$
$
$
$

30.00
20.00
15.00
20.00
200.00
60.00
615.00

$
$
$
$
$
$
$

30.00
20.00
15.00
20.00
200.00
60.00
615.00

$
$
$
$
$
$
$

30.00
20.00
15.00
20.00
200.00
60.00
615.00

$
$
$
$
$
$
$

30.00
20.00
15.00
20.00
200.00
60.00
615.00

$
$
$
$
$
$
$

30.00
20.00
15.00
20.00
200.00
60.00
615.00

$
$
$

25.00
95.00
275.00

$
$
$

25.00
95.00
275.00

$
$
$

25.00
95.00
275.00

$
$
$

25.00
95.00
275.00

$
$
$

25.00
95.00
275.00

$
$
$

25.00
95.00
275.00

$
85.00
$
85.00
$
30.00
$ 1,605.00

$
85.00
$
85.00
$
30.00
$ 1,605.00

$
85.00
$
85.00
$
30.00
$ 1,605.00

$
85.00
$
85.00
$
30.00
$ 1,605.00

$
85.00
$
85.00
$
30.00
$ 1,605.00

$
85.00
$
85.00
$
30.00
$ 1,605.00

$ 3,545.00 $ 3,545.00 $ 3,545.00 $ 3,545.00 $ 3,545.00 $ 3,545.00

$ 1,149.00 $ 1,149.00 $ 1,149.00 $ 1,149.00 $ 1,149.00 $ 1,149.00
$
$
$
$
$
$
$ 2,396.00 $ 2,396.00 $ 2,396.00 $ 2,396.00 $ 2,396.00 $ 2,396.00
$0.00
$0.00
$0.00
$0.00
$274.37
$582.82
$0.00
$280.85
$1,138.04

$0.00
$0.00
$0.00
$0.00
$274.37
$582.82
$0.00
$280.85
$1,138.04

$0.00
$0.00
$0.00
$0.00
$274.37
$582.82
$0.00
$280.85
$1,138.04

$0.00
$0.00
$0.00
$0.00
$274.37
$582.82
$0.00
$280.85
$1,138.04

$0.00
$0.00
$0.00
$0.00
$274.37
$582.82
$0.00
$280.85
$1,138.04

$0.00
$0.00
$0.00
$0.00
$274.37
$582.82
$0.00
$280.85
$1,138.04

$ 1,257.96

$ 1,257.96

$ 1,257.96

$ 1,257.96

$ 1,257.96

$ 1,257.96

$ 1,257.96 $ 1,257.96 $ 1,257.96 $ 1,257.96 $ 1,257.96 $ 1,257.96

$10,717.79
$9,459.83
$8,201.87
$6,943.91
$5,685.95
$4,427.99

tirement money into it.

20
21
22
23
24
$ 4,800.00 $ 4,800.00 $ 4,800.00 $ 4,800.00 $ 4,800.00 $
$
350.00 $
350.00 $
350.00 $
350.00 $
350.00 $
$ 5,150.00 $ 5,150.00 $ 5,150.00 $ 5,150.00 $ 5,150.00 $

25
4,800.00
350.00
5,150.00

50.00

50.00

50.00

50.00

50.00

50.00

$
$
$
$
$
$
$

30.00
20.00
15.00
20.00
200.00
60.00
615.00

$
$
$
$
$
$
$

30.00
20.00
15.00
20.00
200.00
60.00
615.00

$
$
$
$
$
$
$

30.00
20.00
15.00
20.00
200.00
60.00
615.00

$
$
$
$
$
$
$

30.00
20.00
15.00
20.00
200.00
60.00
615.00

$
$
$
$
$
$
$

30.00
20.00
15.00
20.00
200.00
60.00
615.00

$
$
$
$
$
$
$

30.00
20.00
15.00
20.00
200.00
60.00
615.00

$
$
$

25.00
95.00
275.00

$
$
$

25.00
95.00
275.00

$
$
$

25.00
95.00
275.00

$
$
$

25.00
95.00
275.00

$
$
$

25.00
95.00
275.00

$
$
$

25.00
95.00
275.00

$
85.00
$
85.00
$
30.00
$ 1,605.00

$
$
$
$

85.00
85.00
30.00
1,605.00

$ 3,545.00 $ 3,545.00 $ 3,545.00 $ 3,545.00 $ 3,545.00 $

$ 1,149.00 $ 1,149.00 $ 1,149.00 $ 1,149.00 $ 1,149.00 $
$
$
$
$
$
$
$ 2,396.00 $ 2,396.00 $ 2,396.00 $ 2,396.00 $ 2,396.00 $

3,545.00
1,149.00
2,396.00

85.00
###
$
30.00
$ 1,605.00

$0.00
$0.00
$0.00
$0.00
$274.37
$582.82
$0.00
$280.85
$1,138.04

$
85.00
$
85.00
$
30.00
$ 1,605.00

$0.00
$0.00
$0.00
$0.00
$274.37
$582.82
$0.00
$280.85
$1,138.04

$
85.00
$
85.00
$
30.00
$ 1,605.00

$0.00
$0.00
$0.00
$0.00
$274.37
$582.82
$0.00
$280.85
$1,138.04

$
85.00
$
85.00
$
30.00
$ 1,605.00

$0.00
$0.00
$0.00
$0.00
$274.37
$582.82
$0.00
$280.85
$1,138.04

$0.00
$0.00
$0.00
$0.00
$0.00
$582.82
$0.00
$280.85
$863.67

$0.00
$0.00
$0.00
$0.00
$0.00
$582.82
$0.00
$280.85
$863.67

$ 1,257.96

$ 1,257.96

$ 1,257.96

$ 1,257.96

$ 1,532.33

1,532.33

$ 1,257.96 $ 1,257.96 $ 1,257.96 $ 1,257.96

$3,170.03
$1,912.07
$654.11
-$603.85
$50,216.25 $ 1,532.33 $
1,532.33
$48,683.92 $ 47,151.59

$
$
$

26
4,800.00 $
350.00 $
5,150.00 $

50.00

$
$
$
$
$
$
$

30.00
20.00
15.00
20.00
200.00
60.00
615.00

$
$
$
$
$
$
$

30.00
20.00
15.00
20.00
200.00
60.00
615.00

$
$
$

25.00
95.00
275.00

$
$
$

$
$
$
$

85.00
85.00
30.00
1,605.00

$
$
$
$

85.00
85.00
30.00
1,605.00

$
$
$
$

3,545.00 $
1,149.00 $
$
2,396.00 $

3,545.00
1,149.00
2,396.00

$0.00
$0.00
$0.00
$0.00
$0.00
$582.82
$0.00
$280.85
$863.67

27
4,800.00 $
350.00 $
5,150.00 $

50.00 $

28
4,800.00 $
350.00 $
5,150.00 $

29
4,800.00 $
350.00 $
5,150.00 $

50.00

$
$
$
$
$
$
$

30.00
20.00
15.00
20.00
200.00
60.00
615.00

$
$
$
$
$
$
$

30.00
20.00
15.00
20.00
200.00
60.00
615.00

$
$
$
$
$
$
$

30.00
20.00
15.00
20.00
200.00
60.00
615.00

25.00 $
95.00 $
275.00 $

25.00
95.00
275.00

$
$
$

25.00 $
95.00 $
275.00 $

25.00
95.00
275.00

$
$
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$280.85
$280.85

$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$280.85
$280.85

$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$280.85
$280.85

$ 2,115.15

$2,115.15
$17,460.49

$ 2,115.15

$2,115.15
$15,345.34

$ 2,115.15

$2,115.15
$13,230.19

$ 2,115.15

$2,115.15
$11,115.04

$ 2,115.15

$2,115.15
$8,999.89

$ 2,115.15

$2,115.15
$6,884.74

$ 4,800.00
$
350.00
$ 5,150.00

64
$ 4,800.00 $ 4,800.00
$
350.00 $
350.00
$ 5,150.00 $ 5,150.00

66
67
$ 4,800.00 $ 4,800.00
$
350.00 $
350.00
$ 5,150.00 $ 5,150.00

50.00

50.00

50.00

50.00

50.00

$
$
$
$
$
$
$

30.00
20.00
15.00
20.00
200.00
60.00
615.00

$
$
$
$
$
$
$

30.00
20.00
15.00
20.00
200.00
60.00
615.00

$
$
$
$
$
$
$

30.00
20.00
15.00
20.00
200.00
60.00
615.00

$
$
$
$
$
$
$

30.00
20.00
15.00
20.00
200.00
60.00
615.00

$
$
$
$
$
$
$

30.00
20.00
15.00
20.00
200.00
60.00
615.00

$
$
$

25.00
95.00
275.00

$
$
$

25.00
95.00
275.00

$
$
$

25.00
95.00
275.00

$
$
$

25.00
95.00
275.00

$
$
$

25.00
95.00
275.00

$
85.00
$
85.00
$
30.00
$ 1,605.00

$
85.00
$
85.00
$
30.00
$ 1,605.00

$
85.00
$
85.00
$
30.00
$ 1,605.00

$
85.00
$
85.00
$
30.00
$ 1,605.00

$
85.00
$
85.00
$
30.00
$ 1,605.00

$ 3,545.00 $ 3,545.00 $ 3,545.00 $ 3,545.00 $ 3,545.00

$ 1,149.00 $ 1,149.00 $ 1,149.00 $ 1,149.00 $ 1,149.00
$
$
$
$
$
$ 2,396.00 $ 2,396.00 $ 2,396.00 $ 2,396.00 $ 2,396.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$280.85
$280.85

$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$280.85
$280.85

$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$280.85
$280.85

$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$280.85
$280.85

$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00

$ 2,115.15

$2,115.15
$4,769.59

$ 2,115.15

$2,115.15
$2,654.44

$ 2,115.15 $ 2,115.15
Money left after this
last debt payment
Money left and extra
money left from last
months unfinished extra

$2,115.15
$539.29

$ 3,545.00

$ 5,120.86 They will have this much m

$2,115.15
-$1,575.86

You will have $1,575.86 left. I will put that straight into retirement account.

y will have this much more money in there account on month 68

irement account.