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If you're serious about building wealth, you'll need the right attitude and the right tools.

This model is intended to help you gain the financial literacy required. It is very simple because building wealth is very simple - in concept. The formats used in this workbook are straightforward and useful as a starting point for organizing personal finances for most people. You can enter your data directly into the worksheets or use them as a guide to create your own worksheets. No warranty is expressed or implied about their suitability to your situation, and we suggest obtaining professional accounting advice if your situation is complex or uncertain.

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Copyright 2007 - 2009 by ROI-Team, Inc. All rights reserved.

How Your Money Works for You


Your Name First Year Plan Date

Name 2009 31-Dec-08

Income
Job Bank Interest Stock Dividends Inheritance etc.

Assets
Stocks Bonds Mutual Funds Real Estate etc.

Liabilities
Mortgage Car Payments Credit Card Debt etc.

Someone Else's Wealth

Expenses
Housing Food Utilities Transportation Taxes etc.
Excess

Equity

This is your Net Worth, equal to Assets minus Liabilities

141821610.xls.ms_office Intro

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Name
Income Employment Job 2 Job 3 Job 4 Stocks Certificates of Deposit Bonds Mutual Funds Other Other Planned Income Expenses Housing Food Clothing Utilities Medical Entertainment Taxes Other Other Other Planned Expenses Planned Net Cash Flow Cumulative Cash Flow Summary Planned Salaries/Wages Planned Other Income

Plan:
Full Year 2009 12,000 15,000

31-Dec-08
2010 15,000 2011 25,000

Income Plan - 10 Year Trac


2012 28,000 2013 35,000 10,000

27,000

15,000

25,000

28,000

45,000

12,000 2,500 1,000 2,000 500 1,000 5,400

12,000 2,500 1,000 2,000 500 1,000 3,000

12,000 2,500 1,000 2,000 500 1,000 5,000

12,000 2,500 1,000 2,000 500 1,000 5,600

12,000 2,500 1,000 2,000 500 1,000 9,000

24,400 2,600 2,600

22,000 (7,000) (4,400)

24,000 1,000 (3,400)

24,600 3,400 -

28,000 17,000 17,000

27,000 -

15,000 -

25,000 -

28,000 -

45,000 -

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Name Income Plan - 10 Year Track


Income Employment Job 2 Job 3 Job 4 Stocks Certificates of Deposit Bonds Mutual Funds Other Other Planned Income Expenses Housing Food Clothing Utilities Medical Entertainment Taxes Other Other Other Planned Expenses Planned Net Cash Flow Cumulative Cash Flow Summary Planned Salaries/Wages Planned Other Income 2014 45,000 15,000 2015 47,250 15,750 2016 49,613 16,538 2017 52,093 17,364 2018 54,698 18,233

100

130

169

220

60,000

63,100

66,280

69,627

73,150

12,000 2,500 1,000 2,000 500 1,000 12,000

24,000 3,500 2,000 3,000 1,000 2,500 12,620

24,000 3,675 2,100 3,150 1,050 2,625 13,256

24,000 3,859 2,205 3,308 1,103 2,756 13,925

24,000 4,052 2,315 3,473 1,158 2,894 14,630

31,000 29,000 46,000

48,620 14,480 60,480

49,856 16,424 76,904

51,155 18,471 95,375

52,522 20,629 116,004

60,000 -

63,000 100

66,150 130

69,458 169

72,930 220

141821610.xls.ms_office I Plan

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Name
Income Employment Job 2 Job 3 Job 4 Stocks Certificates of Deposit Bonds Mutual Funds Other Other Planned Income Expenses Housing Food Clothing Utilities Medical Entertainment Taxes Other Other Other Planned Expenses Planned Net Cash Flow Cumulative Cash Flow Summary Planned Salaries/Wages Planned Other Income

141821610.xls.ms_office I Plan

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Name
Income Employment Job 2 Job 3 Job 4 Stocks Certificates of Deposit Bonds Mutual Funds Other Other Actual Income Expenses Housing Food Clothing Utilities Medical Entertainment Taxes Other Other Other Actual Expenses Actual Net Cash Flow Cumulative Cash Flow Summary Actual Salaries/Wages Actual Other Income

Actual - Year End


Full Year 2009 2010 2011

Income Actual Record - 10


2012 2013

141821610.xls.ms_office Income

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Name Income Actual Record - 10 Year Track


Income Employment Job 2 Job 3 Job 4 Stocks Certificates of Deposit Bonds Mutual Funds Other Other Actual Income Expenses Housing Food Clothing Utilities Medical Entertainment Taxes Other Other Other Actual Expenses Actual Net Cash Flow Cumulative Cash Flow Summary Actual Salaries/Wages Actual Other Income 2014 2015 2016 2017 2018

141821610.xls.ms_office Income

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Name
Income Employment Job 2 Job 3 Job 4 Stocks Certificates of Deposit Bonds Mutual Funds Other Other Actual Income Expenses Housing Food Clothing Utilities Medical Entertainment Taxes Other Other Other Actual Expenses Actual Net Cash Flow Cumulative Cash Flow Summary Actual Salaries/Wages Actual Other Income

141821610.xls.ms_office Income

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Income History
80,000 70,000
60,000
Actual Income Actual Expenses Actual Net Cash Flow Planned Income Planned Expenses Planned Net Cash Flow

50,000
40,000

30,000
20,000

10,000
2009 2011 2013 2014 2016 2018
2010 2012 2015 2017

(10,000) (20,000)

141821610.xls.ms_office I Chart

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Wealth Track
80,000 70,000
60,000
Actual Net Cash Flow Actual Salaries/Wages Actual Other Income Planned Net Cash Flow Planned Salaries/Wages Planned Other Income

50,000 40,000
30,000

20,000 10,000 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

(10,000)
(20,000)
140,000
120,000
Planned Net Worth Actual Net Worth

100,000 80,000
60,000

40,000 20,000 (20,000) (40,000)

141821610.xls.ms_office Wealth

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Name
Assets Cash Savings Checking Other Stocks Certificates of Deposit Bonds Mutual Funds Prepaid Insurance Other Other Total Current Assets Home Second Home Personal Property Automobiles Other Other Other Other Other Loans to Others Retirement Accounts IRA 401k/Profit Sharing Other Tax Deferred Planned Assets Liabilities Automobile Loans Credit Card Debt Housing Line of Credit Other Loans Outstanding Total Current Liabilities Home Mortgage Other Notes Payable Other Long-term Debt Planned Liabilities Planned Net Worth

Plan:

31-Dec-08
2010 1,000 2011 1,000

Planned Balance Sheet - 10


2012 1,000 2013 1,000

December 31 of 2009 1,000

1,000

1,000

1,000

1,000

1,000

1,000

1,000

1,000

1,000

1,000

1,000

3,000

6,000

9,000

12,000

10,000 11,000

10,000 13,000

10,000 16,000

10,000 19,000

10,000 22,000

11,000 (10,000)

13,000 (12,000)

16,000 (15,000)

19,000 (18,000)

22,000 (21,000)

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Total Liabilities & Net Worth

1,000

1,000

1,000

1,000

1,000

141821610.xls.ms_office B Plan

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Name Planned Balance Sheet - 10 Year Track


Assets Cash Savings Checking Other Stocks Certificates of Deposit Bonds Mutual Funds Prepaid Insurance Other Other Total Current Assets Home Second Home Personal Property Automobiles Other Other Other Other Other Loans to Others Retirement Accounts IRA 401k/Profit Sharing Other Tax Deferred Planned Assets Liabilities Automobile Loans Credit Card Debt Housing Line of Credit Other Loans Outstanding Total Current Liabilities Home Mortgage Other Notes Payable Other Long-term Debt Planned Liabilities Planned Net Worth 1,500 300,000 291,000 282,270 273,802 1,500 2014 1,500 2015 1,575 2016 1,654 2017 1,736 2018 1,823

1,200

5,320

9,852

14,837

1,500

2,775 350,000

6,974 360,500

11,588 371,315

16,660 382,454

352,775

367,474

382,903

399,115

300,000 52,775

291,000 76,474

282,270 100,633

273,802 125,313

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Total Liabilities & Net Worth

1,500

352,775

367,474

382,903

399,115

141821610.xls.ms_office B Plan

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Name
Assets Cash Savings Checking Other Stocks Certificates of Deposit Bonds Mutual Funds Prepaid Insurance Other Other Total Current Assets Home Second Home Personal Property Automobiles Other Other Other Other Other Loans to Others Retirement Accounts IRA 401k/Profit Sharing Other Tax Deferred Planned Assets Liabilities Automobile Loans Credit Card Debt Housing Line of Credit Other Loans Outstanding Total Current Liabilities Home Mortgage Other Notes Payable Other Long-term Debt Planned Liabilities Planned Net Worth

141821610.xls.ms_office B Plan

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Total Liabilities & Net Worth

141821610.xls.ms_office B Plan

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Name
Assets Cash Savings Checking Other Stocks Certificates of Deposit Bonds Mutual Funds Prepaid Insurance Other Other Total Current Assets Home Second Home Personal Property Automobiles Other Other Other Other Other Loans to Others Retirement Accounts IRA 401k/Profit Sharing Other Tax Deferred Total Assets Liabilities Automobile Loans Credit Card Debt Housing Line of Credit Other Loans Outstanding Total Current Liabilities Home Mortgage Other Notes Payable Other Long-term Debt Total Liabilities Actual Net Worth

Actual - Year End


December 31 of 2009 2010 2011

Actual Balance Record - 10


2012 2013

141821610.xls.ms_office Balance

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Total Liabilities & Net Worth

141821610.xls.ms_office Balance

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Name Actual Balance Record - 10 Year Track


Assets Cash Savings Checking Other Stocks Certificates of Deposit Bonds Mutual Funds Prepaid Insurance Other Other Total Current Assets Home Second Home Personal Property Automobiles Other Other Other Other Other Loans to Others Retirement Accounts IRA 401k/Profit Sharing Other Tax Deferred Total Assets Liabilities Automobile Loans Credit Card Debt Housing Line of Credit Other Loans Outstanding Total Current Liabilities Home Mortgage Other Notes Payable Other Long-term Debt Total Liabilities Actual Net Worth 2014 2015 2016 2017 2018

141821610.xls.ms_office Balance

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Total Liabilities & Net Worth

141821610.xls.ms_office Balance

4/24/2013 8:11 PM

Name
Assets Cash Savings Checking Other Stocks Certificates of Deposit Bonds Mutual Funds Prepaid Insurance Other Other Total Current Assets Home Second Home Personal Property Automobiles Other Other Other Other Other Loans to Others Retirement Accounts IRA 401k/Profit Sharing Other Tax Deferred Total Assets Liabilities Automobile Loans Credit Card Debt Housing Line of Credit Other Loans Outstanding Total Current Liabilities Home Mortgage Other Notes Payable Other Long-term Debt Total Liabilities Actual Net Worth

141821610.xls.ms_office Balance

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Total Liabilities & Net Worth

141821610.xls.ms_office Balance

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Balance Sheet Summary


450,000 400,000 350,000
Actual Net Worth
Total Assets Planned Net Worth

300,000 250,000
200,000 150,000 100,000 50,000

Planned Assets

(50,000)

141821610.xls.ms_office B Chart

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Name
Where it came from Annual salaries & wages Annual Other Income Sale of assets Increase in liabilities Total from sources Where it went Annual expenses Purchase of assets Paid off liabilities Total to uses Net Cash Cumulative Net Cash

Plan:
Full Year 2009 27,000 11,000 38,000

31-Dec-08
2010 15,000 2,000 17,000 2011 25,000 3,000 28,000 2012 28,000 3,000 31,000

Actual Cash Flow


2013 45,000 3,000 48,000

24,400 1,000 25,400 12,600 12,600

22,000 22,000 (5,000) 7,600

24,000 24,000 4,000 11,600

24,600 24,600 6,400 18,000

28,000 28,000 20,000 38,000

141821610.xls.ms_office C Plan

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Name

Actual Cash Flow - 10 Year Track


2014 60,000 60,000 2015 63,000 100 300,000 363,100 2016 66,150 130 66,280 2017 69,458 169 69,627 2018 72,930 220 73,150

Where it came from Annual salaries & wages Annual Other Income Sale of assets Increase in liabilities Total from sources Where it went Annual expenses Purchase of assets Paid off liabilities Total to uses Net Cash Cumulative Net Cash

31,000 500 22,000 53,500 6,500 44,500

48,620 351,275 399,895 (36,795) 7,705

49,856 14,699 9,000 73,555 (7,275) 430

51,155 15,430 8,730 75,315 (5,688) (5,258)

52,522 16,211 8,468 77,201 (4,051) (9,309)

141821610.xls.ms_office C Plan

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Name
Where it came from Annual salaries & wages Annual Other Income Sale of assets Increase in liabilities Total from sources Where it went Annual expenses Purchase of assets Paid off liabilities Total to uses Net Cash Cumulative Net Cash

141821610.xls.ms_office C Plan

4/24/2013 8:11 PM

Name
Where it came from Annual salaries & wages Annual Other Income Sale of assets Increase in liabilities Total from sources Where it went Annual expenses Purchase of assets Paid off liabilities Total to uses Net Cash Cumulative Net Cash

Actual - Full Year


Full Year 2009 2010 2011 2012 -

Actual Cash Flow


2013 -

141821610.xls.ms_office Cash

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Name

Actual Cash Flow - 10 Year Track


2014 2015 2016 2017 2018 -

Where it came from Annual salaries & wages Annual Other Income Sale of assets Increase in liabilities Total from sources Where it went Annual expenses Purchase of assets Paid off liabilities Total to uses Net Cash Cumulative Net Cash

141821610.xls.ms_office Cash

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Name
Where it came from Annual salaries & wages Annual Other Income Sale of assets Increase in liabilities Total from sources Where it went Annual expenses Purchase of assets Paid off liabilities Total to uses Net Cash Cumulative Net Cash

141821610.xls.ms_office Cash

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