D R E A M L I N E W O R K S H E E T pg 1 of 2 »

In 6 months I DREAM of:

For instructions and discussion on how best to
use this worksheet, visit this blog describing it.
post
HAVING
STAR? DESCRIPTION COST

µ 1
µ 2 Publicación de libro $250
µ 3 Best Seller $333
µ 4 Departamento $300
µ 5
TOTAL $883

BEING
STAR? DESCRIPTION TO MAKE IT HAPPEN COST
µ 1 Mejor pareja Ser más atento $0
µ 2 Mejor vendedor Aprender ventas $167
µ 3 Best Seller Practicar escritura $200
µ 4
µ 5
TOTAL $367

DOING
STAR? DESCRIPTION COST
µ 1 Curso DHE $1,167
µ 2
µ 3
µ 4
µ 5
TOTAL $1,167

Monthly Expenses (w/30% buffer): $1,001

Target Monthly Income (TMI) $3,418

Target Daily Income (TDI) $112

TMI of Starred Items $1,001

TDI of Starred Items $33

Steps Now
1
2
3
4

Tomorrow
1
2
3
4

Day After
1
2
3
4
M O N T H L Y E X P E N S E C A L C U L A T O R
« pg 2 of 2

1. Where am I now? Input all of your current monthly expenses. If something doesn't fit in
the below categories, add it into the "miscellaneous" total. This is a good snapshot of
your outgoing cash-flow.

2. Where should I be? Subtract all non-essentials that are no longer used or used
infrequently. Eliminate all things that consume income or attention without enriching
your life (subscriptions to magazines you don't read, memberships to services you don't
use, seldom-driven but often-serviced cars, etc.). This new end total, multiplied by 1.3
to provide a 30% buffer, is the clean slate that we take to the next step—adding in all
the elements and luxuries that define your ideal lifestyle.

MONTHLY TOTALS
Rent/Mortgage [1] $50.00
Property Taxes $50.00
Education/Tuition $100.00
Credit Card Minimum Payments [2] $100.00
Car Payments $0.00
Other Loan Payments $0.00
Car Insurance [1] $0.00
Home Insurance $50.00
Life Insurance $50.00
Health/Dental Insurance $0.00
Telephone $40.00
Cable/TV $0.00
Heating/Electricity $0.00
Water $0.00
Gasoline $10.00
Public Transportation $50.00
Groceries $50.00
Eating Out $200.00
Subscriptions (Online and Offline) $20.00
Memberships $0.00
Miscellaneous
TOTAL SPENT FOR MONTH $770.00

DREAMLINE BUFFER $1,001.00

Fill out your Dreamline:

[1]
Once you begin taking mini-retirements, many of these expenses can be replaced by cheaper
expenses overseas, whether for one month or 24 months. I saved more than $32,000 by traveling
through 20 countries for 15 months as compared to just sitting at home in northern California.
Extended travel or relocation to dream locations is actually a popular Lifestyle Design tactic for
increasing savings.

[2] Whenever possible, look at credit card statements and put the expenses in other categories, as
“credit cards” is too vague to be useful. This calculator should be used to determine exactly where
you’re spending income.