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Monthly expenses
Sam and Louise Locke

 
Current
Adjustment
Future
Comments

Housing

$940
 
$940
OK

Car expense
(includes $400 car payment)

$620
 
$620
OK
Day care
$570
 
$570
OK
Medical
$50
 
$50
OK

Utilities/telephone

$220
($10)
$210
Conservation.
Cable
$50
 
$50
OK
Security
$30
 
$30
OK
Groceries/household
$280
 
$280
OK
Barber/beauty salon
$50
($10)
$40
Stretch out appointments.
Dry cleaners
$10
 
$10
OK
Clothing
$50
 
$50
OK
Hobbies
$10
 
$10
OK
Dining out
$210
($50)
$160
Cut back on meals out.
Debt payments
$900
$150
$1,050
Paying off debt is highest priority.
Gifts/holidays
$50
($20)
$30
Small gifts, large love notes, until debts are paid off.
Movies/plays
$20
 
$20
OK
Vacations/trips home
$40
 
$40
OK
Entertaining
$20
 
$20
OK
Union dues
$40
 
$40
OK
ATM withdrawals
$340
($150)
$190
OK
Saving
 
$40
$40
Get into the habit of saving.
Total monthly expenses
$4,500
($50)
$4,450
The Locke's net monthly income is $4,450
 
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