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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.
Start Here
Start Here
Income
Income
- - Job
Job
- - Bank
BankInterest
Interest
- - Stock
StockDividends
Dividends Assets
Assets Liabilities
Liabilities Someone
- - Inheritance - - Stocks - - Mortgage Someone
Inheritance Stocks Mortgage Else's
- - etc.
etc. - - Bonds - Car Payments Else's
Bonds - Car Payments Wealth
- - Mutual
MutualFunds
Funds - - Credit
CreditCard
CardDebt
Debt Wealth
- - Real
RealEstate - - etc.
Estate etc.
Expenses - - etc.
Expenses etc.
- - Housing
Housing
- - Food
Food
- - Utilities
Utilities Excess
Equity
Equity
This
- - Transportation Thisisisyour
yourNet
NetWorth,
Excess
Transportation Worth,
- Taxes equal to Assets minus
- Taxes equal to Assets minus
- etc. Liabilities
- etc. Liabilities
Expenses
Housing 12,000 12,000 12,000 12,000 12,000
Food 2,500 2,500 2,500 2,500 2,500
Clothing 1,000 1,000 1,000 1,000 1,000
Utilities 2,000 2,000 2,000 2,000 2,000
Medical 500 500 500 500 500
Entertainment 1,000 1,000 1,000 1,000 1,000
Taxes 5,400 3,000 5,000 5,600 9,000
Other
Other
Other
Summary
Planned Salaries/Wages 27,000 15,000 25,000 28,000 45,000
Planned Other Income - - - - -
Expenses
Housing 12,000 24,000 24,000 24,000 24,000
Food 2,500 3,500 3,675 3,859 4,052
Clothing 1,000 2,000 2,100 2,205 2,315
Utilities 2,000 3,000 3,150 3,308 3,473
Medical 500 1,000 1,050 1,103 1,158
Entertainment 1,000 2,500 2,625 2,756 2,894
Taxes 12,000 12,620 13,256 13,925 14,630
Other
Other
Other
Summary
Planned Salaries/Wages 60,000 63,000 66,150 69,458 72,930
Planned Other Income - 100 130 169 220
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
Summary
Planned Salaries/Wages
Planned Other Income
Actual Income - - - - -
Expenses
Housing
Food
Clothing
Utilities
Medical
Entertainment
Taxes
Other
Other
Other
Actual Expenses - - - - -
Summary
Actual Salaries/Wages - - - - -
Actual Other Income - - - - -
Actual Income - - - - -
Expenses
Housing
Food
Clothing
Utilities
Medical
Entertainment
Taxes
Other
Other
Other
Actual Expenses - - - - -
Summary
Actual Salaries/Wages - - - - -
Actual Other Income - - - - -
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
Summary
Actual Salaries/Wages
Actual Other Income
80,000
40,000
30,000
20,000
10,000
-
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
(10,000)
(20,000)
80,000
20,000
10,000
-
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
(10,000)
(20,000)
140,000
80,000
60,000
40,000
20,000
-
09 10 11 12 13 14 15 16 17 18
20
(20,000) 20 20 20 20 20 20 20 20 20
(40,000)
Home
Second Home
Personal Property
Automobiles
Other
Other
Other
Other
Other
Loans to Others
Retirement Accounts
IRA
401k/Profit Sharing
Other Tax Deferred
Liabilities
Automobile Loans 1,000 3,000 6,000 9,000 12,000
Credit Card Debt
Housing Line of Credit
Other Loans Outstanding 10,000 10,000 10,000 10,000 10,000
Home Mortgage
Other Notes Payable
Other Long-term Debt
Liabilities
Automobile Loans
Credit Card Debt
Housing Line of Credit
Other Loans Outstanding
Assets
Cash
Savings
Checking
Other
Stocks
Certificates of Deposit
Bonds
Mutual Funds
Prepaid Insurance
Other
Other
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
Home Mortgage
Other Notes Payable
Other Long-term Debt
Planned Liabilities
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
Home Mortgage
Other Notes Payable
Other Long-term Debt
Total Liabilities - - - - -
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
Home Mortgage
Other Notes Payable
Other Long-term Debt
Total Liabilities - - - - -
Assets
Cash
Savings
Checking
Other
Stocks
Certificates of Deposit
Bonds
Mutual Funds
Prepaid Insurance
Other
Other
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
Home Mortgage
Other Notes Payable
Other Long-term Debt
Total Liabilities
450,000
250,000
200,000
150,000
100,000
50,000
-
0 09 1 0
0 11 1 2 1 3 1 4 1 5 1 6 1 7 1 8
(50,000)
2 20 2 20 20 20 20 20 20 20
Where it went
Annual expenses 24,400 22,000 24,000 24,600 28,000
Purchase of assets 1,000 - - - -
Paid off liabilities - - - - -
Where it went
Annual expenses 31,000 48,620 49,856 51,155 52,522
Purchase of assets 500 351,275 14,699 15,430 16,211
Paid off liabilities 22,000 - 9,000 8,730 8,468
Where it went
Annual expenses
Purchase of assets
Paid off liabilities
Total to uses
Net Cash
Cumulative Net Cash
Where it went
Annual expenses - - - - -
Purchase of assets - - - - -
Paid off liabilities - - - - -
Total to uses - - - - -
Net Cash - - - - -
Cumulative Net Cash - - - - -
Where it went
Annual expenses - - - - -
Purchase of assets - - - - -
Paid off liabilities - - - - -
Total to uses - - - - -
Net Cash - - - - -
Cumulative Net Cash - - - - -
Where it went
Annual expenses
Purchase of assets
Paid off liabilities
Total to uses
Net Cash
Cumulative Net Cash