Help With a Family Budget

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My Story

 

When my father died at 36 of a sudden heart attack I knew all to well the risk I was taking when I was never able to reduce my risk of having a heart attack to normal.  Read how a physician and a product in one month changed all that and compelled me into a fun & rewarding  business.

 

Research

 

Some of the research about  these products

 

Sudden Job Loss

 

Have you thought what you would do if you suddenly lost your job?  This is a pratical "What to do" paper.  Also a link to Tom Peters talk about what is going on in corporate America.

 

Managing Through an Economic Downturn

 

When the economy takes a downturn, wise consumers usually respond by changing their financial behavior. Here are some basic guidelines that can help you make the financial adjustments necessary to survive an economic downturn.

 

 

Need Help In Putting A Budget Together (Click To Download Excel Sheet)

Guide for Family Budget

Family of Four

 

Enter Hours Worked

 Yearly Budget

Monthly Budget

 Enter Current Date (MM/DD) For YTD Budget

 

 

 

 

 

1/1

Husbands Hours Worked

 

 2,080

 31,200

 2,600

 31,200

Wife's Amount per Hour

 

 10.00

 XXXXXXXX

 XXXXXXXX

 XXXXXXXXX

Wife's Hours Worked Outside of Home

 

 2,080

 20,800

 1,733

 20,800

Other Source of Income

 

 XXXXXXXXXX

 

 -

 -

 

 

 

 

 

 

Gross Income

 

 

 52,000

 4,333

 361

Less:

 

 

 

 

 

 1. Tithe

 

 

 5,200

 433

 5,200

 2. Taxes

 

 

 9,880

 823

 9,880

 13. School/Child Care

 

 

 2,600

 217

 

Net Spendable

 

 

 34,320

 2,860

 238

 

 

 

 

 

 

 3. Housing

 

 

 13,042

 1,087

 13,042

 4. Food

 

 

 4,118

 343

 4,118

 5. Auto or Bus Fairs

 

 

 5,148

 429

 5,148

 6. Insurance

 

 

 1,716

 143

 1,716

 7. Debts

 

 

 1,716

 143

 1,716

 8. Entertainment/Recreation

 

 

 1,716

 143

 1,716

 9. Clothing

 

 

 1,716

 143

 1,716

 10. Savings

 

 

 1,716

 143

 1,716

 11. Medical/Dental

 

 

 1,716

 143

 1,716

 12. Miscellaneous

 

 

 1,716

 143

 1,716

 14. Investments

 

 

 -

 -

 -

Total Expenses

 

 

 34,320

 2,860

 238

 

 

 

 

 

 

 15. Unallocated Surplus Income

 

 

 -

 -

 -

A great link to a budget calculator

Lease Purchase Calculator

AARP Family Budget

How much does "Mom" really make

Mortgage Payment Calculator

15 vs. 30 Year Mortgage

Credit Card Minimum Payment Calculator

Yucaipa Office

35460 Beech Avenue

Yucaipa, CA  92399

Telephone  (909) 790-1583

Fax            (909) 790-3862

E-mail Jerry@JBartram.com

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Copyright 1999 Jerry E. Bartram, CPA  All rights reserved.

Web designed and authored by Jerry E. Bartram, CPA  Last Updated 06/22/15