A list of your income and expenses, no matter how complete, is not a spending plan, but is the information you need to create a spending plan. And, a paycheck_by_paycheck spending plan will help ensure the success of, or at least help prevent the failure of your budget.
Worksheet _ Expense Worksheet _ This is another worksheet that you use to find out where you are today. This worksheet is an estimate of what your monthly expenses are. This worksheet should have household expenses, auto expenses, food expenses, medical expenses, and all other area where you spend money each month. This will give you a rough estimate of your expenses each month. _ Worksheet _ List of Creditors Worksheets _ On this worksheet you will want to list all the people you owe money. This includes credit card payments, pay day loans, and friends and family. You will want to list the name of the creditor, the amount due, and how many months (if any) you are in default.