Budget Ratios Worksheet.xlsx

	A	C	D	E	G	H	I	J	K	M
1	Name:				Date:
2
3	Annual Income
4	Earned Income #1		$ 38,000.00
5	Earned Income #2
6	Real Estate (NET)		$ -
7	Business (NET)		$ -
8	Interest Income
9	Dividend Income
10	Royalty Income		$ -
11	Total Income		$ 38,000.00
12
13	Ideal Ratios and Corresponding Payments				Actual Ratios and Corresponding Payments
14	Item	Ratio	Annual	Monthly	Item		Ratio	Annual	Monthly	Monthly Difference
15	Tithing	10.00%	$ 3,800.00	$ 316.67	Tithing		0.47%	$ 180.00	$ 15.00	$301.67
16	Taxes	20.00%	$ 7,600.00	$ 633.33	Taxes		13.42%	$ 5,100.00	$ 425.00	$208.33
17	Total		$ 11,400.00	$ 950.00	Total			$ 5,280.00	$ 440.00	$510.00
18
19	Net Spendable Income		$ 26,600.00	$ 2,216.67	Net Spendable Income			$ 32,720.00	$ 2,726.67	$510.00
20
21	Housing	30.00%	$ 7,980.00	$ 665.00	Housing		29.19%	$ 9,552.00	$ 796.00	($131.00)
22						Parking			$ -
23						Rent			$ 685.00
24						Insurance
25						Gas			$ 50.00
26						Electricity			$ 24.00
27						Cell Phone			$ 10.00
28						Internet			$ 27.00
29						Telephone			$ -
30						Long Distance
31						Other
32	Auto	4.00%	$ 1,064.00	$ 88.67	Auto		11.37%	$ 3,720.00	$ 310.00	($221.33)
33						Car Loan #1			$ -
34						Car Loan #2			$ -
35						Insurance			$ 85.00
36						Gas			$ 200.00
37						Maintenance			$ 25.00
38						Other
39	Food	4.00%	$ 1,064.00	$ 88.67	Food		1.83%	$ 600.00	$ 50.00	$38.67
40						Groceries			$ 20.00
41						Dining Out			$ 30.00
42						Other
43	Clothing	5.00%	$ 1,330.00	$ 110.83	Clothing		0.00%	$ -	$ -	$110.83
44						Clothing
45						Work Clothes			$ -
46	Insurance	3.00%	$ 798.00	$ 66.50	Insurance		0.00%	$ -	$ -	$66.50
47						Health			$ -
48						Disability
49						Life			$ -
50						Other			$ -
51	Medical/Dental	3.00%	$ 798.00	$ 66.50	Medical/Dental		0.00%	$ -	$ -	$66.50
52						Medical			$ -
53						Dental			$ -
54	Ent/Recreation	2.00%	$ 532.00	$ 44.33	Ent/Recreation		0.00%	$ -	$ -	$44.33
55						Entertainment
56						Recreation			$ -
57						Travel			$ -
58						Education
59						OTher			$ -
60	Miscellaneous	0.50%	$ 133.00	$ 11.08	Miscellaneous		0.18%	$ 60.00	$ 5.00	$6.08
61						Hair Stylist			$ 5.00
62						Household Goods
63						Gifts
64						Other			$ -
65	School/Childcare	0.00%	$ -	$ -	School/Childcare		0.00%	$ -	$ -	$0.00
66						Childcare			$ -
67						School			$ -
68	Debt	0.00%	$ -	$ -	Debt		0.00%	$ -	$ -	$0.00
69						Credit Card #1			$ -
70						Credit Card #2			$ -
71						Credit Card #3			$ -
72						Credit Card #4			$ -
73						Other			$ -
74	Savings	5.00%	$ 1,330.00	$ 110.83	Savings		7.33%	$ 2,400.00	$ 200.00	($89.17)
75						Emergency			$ 50.00
76						Investments			$ 150.00
77	Investments	5.00%	$ 1,330.00	$ 110.83	Investments		5.50%	$ 1,800.00	$ 150.00	($39.17)
78						Accelerated Debt Payoff			$ -
79						Investment #2			$ 150.00
80
81					Total Expenditures		55.42%	$ 18,132.00	$ 1,511.00
82
83					Total Surplus Income			$ 14,588.00	$ 1,215.67
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