Cash Flow & Allocated Spending Plan

Month and Year:

Sub- Paycheck for Paycheck for

Budgeted Item Total TOTAL 1st of Month 15th of Month
ZERO = $3,000.00 $1,500.00 $1,500.00
CHARITABLE GIFTS (10-15%) 0.00% $0.00 0.00 0.00
Charity 1 0.00 a
Charity 2 0.00 a
SAVINGS (5-10%) 0.00% $0.00 0.00 0.00
Emergency Fund 0.00
Retirement Fund 0.00
Purchases (sinking fund) 0.00
HOUSING (25-35%) 0.00% $0.00 0.00 0.00
First Mortgage or Rent 0.00
Mortgage Insurance 0.00
Property Taxes 0.00
Homeowners Insurance 0.00
Renters Insurance 0.00
Repairs/Replace Furniture 0.00
Other 0.00
UTILITIES (5-10%) 0.00% $0.00 0.00 0.00
Electricity (or all utilites if renting) 0.00
Water 0.00
Gas 0.00
Sewer 0.00
Trash 0.00
Phone 0.00
Cell phone 0.00
Cable TV / Internet 0.00
FOOD (5-15%) 0.00% $0.00 0.00 0.00
Grocery 0.00
Restaurants 0.00
TRANSPORTATION (10-15%) 0.00% $0.00 0.00 0.00
Gas and Oil 0.00
Repairs and Tires 0.00
License and Taxes 0.00
Car Insurance 0.00
Public transportation 0.00
CLOTHING (2-7%) 0.00% $0.00 0.00 0.00
Children 0.00
Adults 0.00
Cleaning/Laundry 0.00
MEDICAL/HEALTH (5-10%) 0.00% $0.00 0.00 0.00
Disability Insurance 0.00
Health Insurance 0.00
Doctor Bills 0.00
Dentist 0.00
Contacts 0.00
Optometrist 0.00
Rx Drugs 0.00
PERSONAL (5-10%) 0.00% $0.00 0.00 0.00
Life Insurance 0.00
Identity Theft Protection 0.00
Hair Care/Toiletries 0.00
Child Care 0.00
Baby Sitter 0.00
Child Support 0.00
Alimony 0.00
Education/Adult 0.00
School Tuition 0.00
School Supplies 0.00
Subscriptions 0.00
Organization/Club Dues 0.00
Pet Care 0.00
Postage 0.00
Computer & Printer 0.00
Gifts 0.00
Miscellaneous 0.00
Gym Membership
BUFFER $$ 0.00
RECREATION (5-10%) 0.00% $0.00 0.00 0.00
Entertainment 0.00
Vacation 0.00
DEBTS (5-10%) 0.00% $0.00 0.00 0.00
Car Payment #1 0.00
Car Payment #2 0.00
Credit Card #1 0.00
Credit Card #2 0.00
Student Loan 0.00
Student Loan 0.00
Other 0.00

Total Allocations $0.00 $0.00 $0.00 0.00

Minus Total Income $3,000.00 $1,500.00 $1,500.00 0.00
Zero Balance $3,000.00 $1,500.00 $1,500.00

Monthly Pay $ 3,000.00

Other Source of Income
Other Source of Income
Rental Income
Previous Month's Carry-Over
Notes:
Use the accompanying handout to complete your monthly zero-based budget.
You must allocate 100% of your paychecks.