WORKSITE. Worksheet 1: Personal Balance Sheet. Taking Control of Your Finances: A Plan to Reduce Debt and Build Savings FINANCIAL SOLUTIONS
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1 WORKSITE FINANCIAL SOLUTIONS Taking Control of Your Finances: A Plan to Reduce Debt and Build Savings Worksheet 1: Personal Balance Sheet Liquid Assets Balance Liabilities Interest Rate Balance Monthly Payment Bank accounts Credit cards Investment accounts TOTAL LIQUID ASSETS Upcoming purchases Auto loans School loans loans Mortgage ASSETS LESS PURCHASES Subtract 3 months living expenses NET ASSETS: *Excluding IRAs and employer-sponsored retirement accounts. TOTAL DEBT:
2 Worksheet 2: Is Your Debt Level Too High? Tally your total monthly payments for all your debts, excluding your rent or mortgage payments. Divide that figure by your monthly after-tax income and multiply by 100 to get the percentage of your income that goes to paying your debts each month. Calculate Your Debt-to-Income Ratio x 100 = % total monthly debt payments monthly after-tax income debt-to-income ratio If your debt-to-income ratio is Less than 15: You may be managing your credit well. Between 15 and 20: You may be on the borderline. Greater than 20: You could be in over your head. Are You Overextended? How many of these scenarios apply to you? You don t know, and don t want to know, how much you owe. You borrow for things you once paid for in cash. You have to juggle other bills just to pay the minimum charges on your credit cards each month. Each monthly credit balance is higher than the last. You pay bills using money intended for other needs. Creditors are sending overdue notices. Your savings or emergency funds are not enough to cover three months of living expenses. If you checked off even one scenario, you may be overextended, or on the borderline of getting there. 1 WORKSHEETS
3 Worksheet 3: Monthly Spending To help get a clear picture of where you are spending most of your income, list all your monthly expenditures here. Use the categories given as a guideline, but feel free to add your own where needed. Tally up your total monthly outlay and compare it with your monthly income. Category Includes Total Cost FIXED EXPENSES Debt Savings Mortgage or rent Insurance fixed expenses Total fixed expenses VARIABLE EXPENSES Groceries Snacks/fast food Heat Electricity Cable TV/Internet Phone/cell Child care Medical care Newspaper/magazines Home repair Clothing Household necessities Tickets Purchases Dining out Personal vehicle Transportation Gifts, contributions Travel/vacation Hobbies variable expenses Total variable expenses 2 WORKSHEETS credit card, other payments auto, health, other from supermarket or in bulk coffee, soda, lunch subscriptions plumbing, electrical, etc. cleaning products, etc. movies, theatre, etc. CDs, records, etc. maintenance, repairs, gas subway, bus fares, taxi fares dues for organizations TOTAL Monthly Income (after taxes)
4 Worksheet 4: Monthly Budget Category Includes Total Cost FIXED EXPENSES Debt credit card, other payments Savings Mortgage or rent Insurance auto, health, other fixed expenses Total fixed expenses VARIABLE EXPENSES Groceries from supermarket or in bulk Snacks/fast food coffee, soda, lunch Heat Electricity Cable TV/Internet Phone/cell Child care Medical care Newspaper/magazines subscriptions Home repair plumbing, electrical, etc. Clothing Household necessities cleaning products, etc. Tickets movies, theatre, etc. Purchases CDs, records, etc. Dining out Personal vehicle maintenance, repairs, gas Transportation subway, bus fares, taxi fares Gifts, contributions Travel/vacation Hobbies dues for organizations variable expenses Total variable expenses TOTAL Monthly Income (after taxes) 3
5 Worksheet 5: 12-Month Spending Plan Using the information about your spending from the previous worksheets, create a blueprint for a yearly budget. Comparisons of planned and actual savings will help you monitor your progress. Keep in mind that you may need to make slight adjustments to your plan. Income Salary Bonus/commissions Interest/dividends Rents/royalties Total income January February March April May June Planned expenses Planned savings Actual expenses Actual savings Income Salary Bonus/commissions Interest/dividends Rents/royalties Total income July August Sept. October Nov. Dec. Planned expenses Planned savings Actual expenses Actual savings TAKING CONTROL OF YOUR FINANCES 4
6 Worksheet 6: How Long Will It Take to Pay Off Your Debt? Using one worksheet for each debt you carry, calculate how long it will take to pay off each balance. Remember that the longer it takes to pay off your debt, the more it costs you in interest. Debt Repayment Worksheet Debt Debt Actual Budgeted Example How much do you pay each month? A A $50 What is your current balance? B B $2,000 Divide monthly payments, A, by current balance, B. C C $50 $2,000 =.025 What is your annual percentage rate (APR)? D D 10% In the table below, find where your answer to C E E 4 years would fall in the row corresponding to your APR. Match to number of years. Years to Repay* *Assumes an annual rate compounded monthly and made payments at the beginning of each month. This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal or investment advice. The advisor is providing educational services only and is not able to provide participants with investment advice specific to their particular needs. If you are seeking investment advice specific to your needs, such advice services must be obtained on your own separate from this educational material. Securities and Advisory services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC. Tracking # RP
Taking Control of Your Finances A Plan to Reduce Debt and Build Savings
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