Personal Spending Plan

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Our Personal Spending Plan can really help you find money. My friend was amazed at how much money they were spending without even realizing they were doing it. Because they tracked all the money they spent for just one month they listed on the “Personal Spending Plan” they found nearly $1000 they were just wasting.A happy user

Your Personal Spending Plan — No one wants to budget their money – you want to spend your money. So we have included a Personal Spending Plan to help you spend your money in a manner that gives you the most pleasure. Avoid spending your money on things you don’t like such as high interest rates and late fees.

It’s your money – spend it wisely. Get out of debt, build your personal wealth, and have fun in the process.

Review your Personal Spending Plan

  1. Look for all the money you spend or owe – Be brutally honest with yourself.
    • Look at your Credit Report
    • Look around at:
      • Rent
      • $ owed to family / friends
      • $ you know you are about to spend
  2. Eliminate the waste (Look at the “Want to’s” – how much are you spending on fast food?).
    • Cut the fat – maybe even some meat
    • Look for alternatives:
      • Sell something
      • Part time job
      • Buy cheaper beer
  3. List everything on ONE sheet of paper (use the Personal Spending Plan).
    • Pick the smallest balance and PAY IT OFF (Fight the most winnable fight first).
      • Pound that ONE debt vigorously until it is dead.
      • Bury the debt (don’t use it anymore).
    • Get the next debt in line.

Now you are out of debt and have money for fun. It is your money – spend it your way.

Personal Spending Plan

Fill out the form below with your information to tally all of your income and expenses. The blue box at the bottom of the page lists the summary and shows “Where you are” and the “Debt Crusher” amounts. Debt Crusher is what you use to reduce (crush) your debt.

Income Monthly Annually
Gross Income
Spouse's Gross Income
Investment Income
Pension Income
Disability Income
Social Security
Interest Income
Misc 1 Income
Misc 2 Income
Misc 3 Income
Inheritance
Gift Cash
Dividends
Total Income $0.00 $0.00
Have To Expenses Monthly Annually
Payroll taxes
Other Payroll Deductions
Capital Gains Tax
State Tax Liens
Federal Tax Liens
Mortgage / Rent
2nd Mortgage
3rd Mortgage
Home Association Fees
Property Tax
Auto Loan
Other Loans
Loans from Relatives
Gasoline
Other Transportation,
e.g. bus, train
Water
Electric
Natural Gas / Propane
Trash
Groceries
Telephone
Internet Access
Cell Phone
Auto Insurance
Home Owner / Rent Insurance
Health Insurance
Dental Insurance
Life Insurance
Pharmacy Expense
Child Support / Alimony
Childcare
Dry Cleaning / Laundry
Student Loans
College Tuition
Auto Repair
Home Repair
Investment Expenses
Business Expenses
Credit Card Payment #1
Credit Card Payment #2
Credit Card Payment #3
Credit Card Payment #4
Credit Card Payment #5
Credit Card Payment #6
Misc Expense #1
Misc Expense #2
Misc Expense #3
Total Have To Expenses $0.00 $0.00
Want To Expenses Monthly Annually
Cable / Satellite
Garden Supplies
Music / Sports Lessons
Movies
Books
DVD Rentals
Theater
Hobbies
Magazines
Sporting Events
Camp
Classes (of any type)
Restaurants
Postage
Gifts
Pet Care
Clothing
Cigarettes / Tobacco
Alcohol
Fitness Club
Travel
Home Improvement
Security
Total Want To Expenses $0.00 $0.00
Investments Monthly Annually
Savings
IRA
401k / 403b
Stocks
Brokerage
Misc
Total Investments $0.00 $0.00
Where You Are Monthly Annually Percent
Total Income
Have to Expenses
Want to Expenses
Investment Deposits
Total Expenses
Debt Crusher $0.00 $0.00 0%




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Credit Bureau of Farmington, Inc.
(505) 325-5055 • 888-325-5055
Fax: (505) 327-9167 • 509 E 20th St,
Farmington, NM 87401