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Project Independence Ex-cons Money Management
My ExpensesDirections: List the amounts you think youll spend in the first column. Then fill in your actual costsin column two. Subtract your actual amount form your estimated amount to see how much youresaving or over-spending.
Expense Estimated Amount Actual Amount Spent Savings/LossHousing
Rent/mortgage $ _____________ $ ________________ $ _________ Utilities $ _____________ $ ________________ $ _________ Phone $ _____________ $ ________________ $ _________ Other $ _____________ $ ________________ $ _________
Food $ _____________ $ ________________ $ _________
Transportation Car payment $ _____________ $ ________________ $ _________ Gas/Repairs $ _____________ $ ________________ $ _________ Insurance $ _____________ $ ________________ $ _________ Bus/light
rail/subway
$ _____________ $ ________________ $ _________
Other $ _____________ $ ________________ $ _________
Health Care Insurance $ _____________ $ ________________ $ _________ Co pay $ _____________ $ ________________ $ _________ Payments $ _____________ $ ________________ $ _________
Loan Payments $ _____________ $ ________________ $ _________Credit Cards $ _____________ $ ________________ $ _________School/Training $ _____________ $ ________________ $ _________
Personal/Family Child Support $ _____________ $ ________________ $ _________ Child Care $ _____________ $ ________________ $ _________ Clothing $ _____________ $ ________________ $ _________ Toiletries $ _____________ $ ________________ $ _________ Other $ _____________ $ ________________ $ _________
Legal Restitution $ _____________ $ ________________ $ _________ Other $ _____________ $ ________________ $ _________
Savings $ _____________ $ ________________ $ _________Entertainment $ _____________ $ ________________ $ _________Other $ _____________ $ ________________ $ _________
TOTALS $ _____________ $ ________________ $ _________
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Project Independence Ex-cons Money Management
My Personal Spending Plan
Income Estimated Amount Actual Amount Received Over/UnderAfter-tax wages $ _____________ $ ________________ $ _________After-tax wages fromspouses income
$ _____________ $ ________________ $ _________
Tips, bonuses, cash
from hobbies
$ _____________ $ ________________ $ _________
Unemploymentcompensation
$ _____________ $ ________________ $ _________
Public Assistance $ _____________ $ ________________ $ _________Child support $ _____________ $ ________________ $ _________Food Stamps $ _____________ $ ________________ $ _________Other $ _____________ $ ________________ $ _________Other $ _____________ $ ________________ $ _________
TOTALS $ _____________ $ ________________(a) $ _________
Expense Estimated Amount Actual Amount Spent Savings/LossHousing $ _____________ $ ________________ $ _________Food $ _____________ $ ________________ $ _________Transportation $ _____________ $ ________________ $ _________Health Care $ _____________ $ ________________ $ _________Loan Payments $ _____________ $ ________________ $ _________Credit Cards $ _____________ $ ________________ $ _________School/Training $ _____________ $ ________________ $ _________Personal/Family $ _____________ $ ________________ $ _________
Legal $ _____________ $ ________________ $ _________Savings $ _____________ $ ________________ $ _________Entertainment $ _____________ $ ________________ $ _________Other $ _____________ $ ________________ $ _________
TOTALS $ _____________ $ ______________(b) $ _________
Compare Actual Income and ExpensesActual monthly income $ _______________________________(a)(minus) actual monthly expenses - $ _______________________________(b)
$ _______________________________
Do you have enough income to cover your expenses? If not, can you increase yourincome? Review your expenses and determine if there are any you can cut or at leastdecrease.
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Project Independence Ex-cons Money Management
Choosing a Bank Thats Right for You
Name of bank: __________________________________________________________
Phone number: _________________________________________________________
Branch information:
Location nearest your home: ______________________________________ Location nearest your work:_______________________________________ Number of branches: ____________________________________________
Number of ATMs: ________________________________________________________
Bank hours: ____________________________________________________________
Are your funds FDIC insured? ______________________________________________
Types of accounts: _______________________________________________________
Amount of initial deposit required: ___________________________________________
Fees:
Must maintain a minimum daily balance of: __________________________ Must maintain an average daily balance of: __________________________
Monthly maintenance charge: ____________________________________
Interest:
How much interest do you earn on your account? _____________________ How is it calculated? ___________________________________________
Charges:
Printing checks: ______________________
Bouncing checks: _____________________ Stopping checks: _____________________ Certifying checks: _____________________ Incarceration penalty: __________________
Balance inquiries:
At teller window: ______________________ Over the Internet: _____________________ At ATMs: ____________________________ By phone: ____________________________
Special services:
Internet banking: ______________________ Fund transfer by phone: ________________ Debit card: ___________________________ Educational classes: ___________________
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Project Independence Ex-cons Money Management
My Action Plan
Main message for me from this session:
My personal commitment to action:
Obstacles that may get in my way:
What I need to do to succeed:
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