PLANNING YEAR ENDED ---------------------->
AGE DURING PLANNING YEAR: BEN
AGE DURING PLANNING YEAR: VERA
CASH FLOW STATEMENT
SOURCES OF INCOME:
TAXABLE INCOME:
401(K)/403(B) WITHDRAWALS (FIRST INCOME)
401(K)/403(B) WITHDRAWALS (SECOND INCOME)
DIVIDENDS
INCOME ON CUMULATIVE CASH FLOW
IRA WITHDRAWALS (TRADITIONAL IRA)
NET BUSINESS INCOME/LOSS
SALARY/WAGES/TIPS (FIRST INCOME)
SALARY/WAGES/TIPS (SECOND INCOME)
SOCIAL SECURITY
TAXABLE SECURITIES INTEREST
VACATION PROPERTY RENTAL
SALE OF VACATION PROPERTY
OTHER TAXABLE SOURCE #3
TOTAL TAXABLE INCOME
NON-TAXABLE INCOME:
CREDIT CARD CASH ADVANCES
EDUCATION FUND WITHDRAWALS
EQUITY SECURITIES WITHDRAWALS
GIFTS RECEIVED (CASH)
IRA WITHDRAWALS (ROTH IRA)
OTHER CONSUMER CREDIT - CASH RECEIVED
TAXABLE FIXED INCOME SECURITIES WITHDRAWALS
TAX EXEMPT FIXED INCOME SECURITIES WITHDRAWALS
TAX EXEMPT INTEREST
OTHER NON-TAXABLE SOURCE #1
OTHER NON-TAXABLE SOURCE #2
OTHER NON-TAXABLE SOURCE #3
TOTAL NON-TAXABLE INCOME
TOTAL SOURCES OF INCOME
USES OF INCOME:
NON-DISCRETIONARY EXPENSES:
CHILD CARE
FOOD
HOUSEHOLD
INCOME TAXES-FEDERAL/STATE
INSURANCE-LIFE/DISABILITY
INSURANCE-MEDICAL/DENTAL
INSURANCE-PROPERTY/CASUALTY
MEDICAL/DENTAL EXPENSE (ABOVE INSURANCE)
MORTGAGE PAYMENTS ON RESIDENCE
MORTGAGE PAYMENTS ON VACATION PROPERTY
OTHER CONSUMER CREDIT REPAYMENT
PROPERTY TAXES
SOC. SEC./MEDICARE TAXES (FIRST INCOME)
SOC. SEC./MEDICARE TAXES (SECOND INCOME)
UTILITIES
VEHICLES
OTHER NON-DISCRETIONARY EXPENSE #1
OTHER NON-DISCRETIONARY EXPENSE #2
OTHER NON-DISCRETIONARY EXPENSE #3
TOTAL NON-DISCRETIONARY EXPENSES
DISCRETIONARY EXPENSES:
401(K)/403(B) PLAN CONTRIBUTIONS (FIRST INCOME)
401(K)/403(B) PLAN CONTRIBUTIONS (SECOND INCOME)
CHARITABLE CONTRIBUTIONS
CREDIT CARD REPAYMENT
EDUCATION EXPENSES
EDUCATION FUND CONTRIBUTIONS
ENTERTAINMENT
EQUITY SECURITIES PURCHASES
GIFTS FOR OTHERS
IRA CONTRIBUTIONS (ROTH IRA)
IRA CONTRIBUTIONS (TRADITIONAL IRA)
MISCELLANEOUS
TAXABLE FIXED INCOME SECURITIES PURCHASES
TAX EXEMPT FIXED INCOME SECURITIES PURCHASES
TRAVEL/VACATIONS
VEHICLE REPLACEMENT FUND CONTRIBUTIONS
OTHER DISCRETIONARY EXPENSE #1
OTHER DISCRETIONARY EXPENSE #2
OTHER DISCRETIONARY EXPENSE #3
TOTAL DISCRETIONARY EXPENSES
TOTAL USES OF INCOME
POSITIVE/NEGATIVE CASH FLOW
NET WORTH STATEMENT (START OF YEAR)
ASSETS:
CASH AND CUMULATIVE CASH FLOW
EQUITY SECURITIES
TAXABLE FIXED INCOME SECURITIES
TAX EXEMPT FIXED INCOME SECURITIES
OTHER CURRENT ASSET #1
OTHER CURRENT ASSET #2
OTHER CURRENT ASSET #3
TOTAL CURRENT ASSETS
401(K)/403(B) PLAN (FIRST INCOME)
401(K)/403(B) PLAN (SECOND INCOME)
EDUCATION FUND
HOUSEHOLD GOODS
IRA (ROTH IRA)
IRA (TRADITIONAL IRA)
LIFE INSURANCE CASH VALUE
RESIDENCE
VACATION PROPERTY
VEHICLE REPLACEMENT FUND
VEHICLES
OTHER LONG-TERM ASSET #1
OTHER LONG-TERM ASSET #2
OTHER LONG-TERM ASSET #3
TOTAL LONG-TERM ASSETS
TOTAL ASSETS
LIABILITIES:
CREDIT CARDS
INCOME TAXES PAYABLE
OTHER CONSUMER CREDIT
OTHER SHORT-TERM DEBT #1
OTHER SHORT-TERM DEBT #2
OTHER SHORT-TERM DEBT #3
TOTAL CURRENT LIABILITIES
MORTGAGE ON RESIDENCE
MORTGAGE ON VACATION PROPERTY
OTHER LONG-TERM DEBT #1
OTHER LONG-TERM DEBT #2
OTHER LONG-TERM DEBT #3
TOTAL LONG-TERM LIABILITIES
TOTAL LIABILITIES
NET WORTH
CURRENT RATIO
DEBT TO WORTH RATIO
NON-DISCRETIONARY EXPENSES TO TOTAL INCOME
DISCRETIONARY EXPENSES TO TOTAL INCOME
TOTAL EXPENSES TO TOTAL INCOME
SAVINGS RATE
401(K) PLAN CONTRIBUTIONS BY COMPANY
401(K) PLAN CONTRIBUTIONS BY COMPANY
VEHICLE REPLACEMENT COST
