Budgeting
Let's take the mystery out of setting a budget.
You need to know two things:
- What do you earn? (Your Net Income)
- What do you spend? (Your Expenses)
The difference between what you earn and what
you spend is your SAVINGS. Most people should
be saving about ten percent of what they earn.
These easy-to-use tools will help you calculate
exactly what your Net Income is and what your
Expenses are. Best of all, they will help you
learn how to make the changes that will get reduce
your Expenses to the level you want them to be.
1. Annual Household Net Income Worksheet
Use this worksheet to calculate your Net Income.
Calculates Net Income after federal income taxes,
state income taxes, FICA taxes, and health insurance
premiums.
FREE
2. Annual Household Expenditure Worksheet
Use this worksheet to help break your expenditures
into categories. Compare you spending patterns
to other Americans. Do you spend more than 14%
of your Net Income on food? If so, you are spending
a greater than average percentage of your money
there. This worksheet includes target expenditures
for all categories and will help you see where
you may have room to save. By limiting your total
expenditures to 90% of your Net Income, you can
save 10% each year!
$29.95
Special Offer FREE
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Doug Warshauer’s Guarantee:
(you won’t find may guarantees like
this on the internet)
I created these spreadsheets to make
it easy for you to plan your financial future.
I’m convinced they will help you. If
you are EVER not satisfied with your purchase,
I will give you a full refund. Just send
an email to: refunds@dougwarshauer.com
and I’ll give you your money back.
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