Set Goals 1

List your goals, when you want them (priority) and their costs

How I Want to Feel Goals When Cost

Home/Finance Safe, secure, free Set up emergency fund 3 years $3,000.00

Career/School

Relationships

Leisure

Health/Self

Top 4 Savings Goals 1

2
3

4
Know Your Numbers 2
Record your bank account, debt and investment information (totals are calculated automatically)

Assets
Bank/Name Balance Rate % Overdraft Limit Cash Limit
Accounts

Total $0.00

Maturity
Bank/Name Balance Rate % Term (months) Value
Investments

Total $0.00

Name Balance Rate %

Other
Total $0.00
Total Assets $0.00
Liabilities
Bank/Name Balance Rate % Limit Min Pay
Credit Cards

Total $0.00

Bank/Name Balance Rate % Amortization Min Pay

Loans
Total $0.00

Bank/Name Balance Rate % Limit Min Pay

Line of Credit
Total $0.00

Bank/Name Balance Rate % Limit Min Pay

Other
 Total $0.00

Total Liabilities $0.00 Net Worth

$0.00
 School Year
Record your estimated income and expenses for the school year (totals are calculated automatically)

Income
Savings
Scholarships, Bursaries, Grants
Loans
RESPs
Family Support
Per Month 8 months
Job 8 $0.00
Total Income $0.00

Expenses Per Month 8 months

Tuition & Fees
Books/Supplies 8 $0.00
Savings 8 $0.00
Rent 8 $0.00
Utilities 8 $0.00
Debt 8 $0.00
Transport 8 $0.00
TV/Cell/Net 8 $0.00
Groceries 8 $0.00
Entertainment 8 $0.00
Clothes/Household 8 $0.00
Total Expenses $0.00

Left Over Income - Expenses Balance at end of year $0.00

2.1
 Track Your Spending
For a minimum of 1 month, track everything you spend to know where your money is going (totals are calculated automatically at the bottom).

Income Fixed Expenses Variable Expenses

Rent (incl. TV/Cell/ Groceries/ Art/ Entertain/

Date Transaction Income Savings studio) Utilities Debt Transport Net Other Personal School Dining

Opening
TOTAL $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Income Savings Rent (incl. Utilities Debt Transport TV/Cell/ Other Groceries/ Art/ Entertain/
studio) Net Personal School Dining
 3
Variable Expenses

Clothes/
Laundry Other
 $0.00 $0.00
Clothes/ Other
Laundry
 Begin to Budget 4
Your current spending is pulled automatically from the Track Your Spending worksheet.

Enter how much you plan to spend from now on in the Planned Spending column.

Income
Income/Expenses Current Spending Planned Spending
Income (all sources) $0.00

Total Income $0.00 $0.00

Expenses
Fixed Savings $0.00
Rent $0.00
Utilities $0.00
Debt $0.00
Transport $0.00
TV/Cell/Net $0.00
Other $0.00
Total Fixed Expenses $0.00 $0.00

Variable Groceries/Personal Care $0.00

Art Supplies/School $0.00
Entertain/Gifts $0.00
Clothes/Laundry $0.00
Other $0.00
Total Variable Expenses $0.00 $0.00

Total Expenses $0.00 $0.00

Balance $0.00 $0.00 Balance

Analysis
Planned Spending Analysis
Category Amount % of Salary Should Be
Rent/Utilities $0.00 #DIV/0! s/b 35%
Transport $0.00 #DIV/0! s/b 15%
Life $0.00 #DIV/0! s/b 25%
Debt $0.00 #DIV/0! s/b 15%
Savings $0.00 #DIV/0! s/b 10%
My Savings Plan
Enter: goal, when, save/mth, rate and savings strategies. Principal, interest and totals are calculated automatically.

Savings/Mth $0.00

Account $0.00

Goal Amount When (yrs) Save/mth Rate Principal Interest Subtotal Strategies Extra Saving
Goal $0.00 $0.00 $0.00

Goal $0.00 $0.00 $0.00

Account $0.00

Goal Amount When (yrs) Save/mth Rate Principal Interest Subtotal Strategies Extra Saving
Goal $0.00 $0.00 $0.00

Goal $0.00 $0.00 $0.00

Goal $0.00 $0.00 $0.00

Account $0.00
 Goal Amount When (yrs) Save/mth Rate Principal Interest Subtotal Strategies Extra Saving
Goal $0.00 $0.00 $0.00
 5

Total
$0.00

$0.00

Total
$0.00

$0.00

$0.00
Total

$0.00
Debt Repayment
Enter: interest rate, monthly payment amount and balance (in shaded areas). The rest (white areas) are calculated automatically.

Credit Card Debt Debt

Interest % Mth Pay Interest % Mth Pay Interest % Mth Pay
Mth Pay Principle Int Charge Balance Mth Pay Principle Int Charge Balance Mth Pay Principle Int Charge Balance

Jan-11 $ - $ - $ - $ - $ - $ - $ - $ - $ -

Feb-11 $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Mar-11 $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Apr-11 $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

May-11 $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Jun-11 $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Jul-11 $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Aug-11 $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Sep-11 $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Oct-11 $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Nov-11 $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Dec-11 $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Jan-12 $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Feb-12 $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Mar-12 $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Apr-12 $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

May-12 $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -

Total Interest $ - Total Interest $ - Total Interest $ -

Debt-Free Date
Total Debt

$ -

$ -

$ -

$ -

$ -

$ -

$ -

$ -

$ -

$ -

$ -

$ -

$ -

$ -

$ -
 $ -

$ -

Debt-Free Date