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College
Finance
Taxes Personal
Finance

Monthly expenses
Beth McLean
Current
Adjustment
Future
Comments

Housing

540
 
540
OK

Car expense

550
 
550
OK
Medical
240
 
240
OK

Telephone

150
(60)
90
Fewer long distance calls
Utilities
100
 
100
OK
Cable
20
 
20
OK
Groceries/household
280
 
280
OK
Beauty salon
40
 
40
OK
Dry cleaners
10
 
10
OK
Clothing
200
(100)
100
Stop recreational shopping
Recreation
100
(100)
-
Cancel CD and book clubs
Dining out
160
(60)
100
Find cheaper substitute for daily $3 caffe latte
Debt payments
570
680
1,250
Paying off debt is highest priority
Gifts/holidays
90
(20)
70
Small gifts, large love notes, until debts are paid off
Movies/plays
40
 
40
OK
Vacations
380
(380)
-
Moratorium on vacations until debts are paid off
Dues/periodicals
30
 
30
OK
Taxes
100
 
100
OK
Tithing
400
 
400
OK
Saving
 
40
40
Get into the habit of saving
Total monthly expenses
4,000
 
4,000
Beth's net monthly income is $4,000
 
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