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.
Do some comparison shopping for services. Many families have eliminated a land line in favor of cell phones or a cheaper internet phone service. My own cell phone company also sells home internet phone service for บ a month. My old phone service cost me about ์ a month after paying fees and taxes. I even got to keep my old phone number. That was a very painless way to save 軸 a year. I also did some auto insurance rate comparison shopping. I combined my home and car policies with another top company and saved almost 赨 a month! Now my savings total is up to 趚 a month, and I have not given up anything.