Free Stuff

Average Monthly Budget – Use this budget form to give you a snapshot of what your average monthly income and expenses are.  For large items you must pay once a year, take the total amount and divide by 12. Use this amount in your monthly budget (example: $12,000 paid for tuition yearly / 12 = $1000 per month). Submit with your short sale or Loan Modification request.

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Grid Budget Form – Use this form to compare your monthly income and expenses and to see your monthly cash flow.  By using this grid you will see if you need to reserve funds from one paycheck to pay another weeks bills.  Use one grid per month of the year. I suggest you sit down in January each year and fill out one grid page for each month. Most expenses are similar year over  year, so in a short while you know what your income must be each month to meet necessary expenses for the whole year. You may find you  need to save money in early in the year for increased expenses later in the year.

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Simple Budget Form – Use this form to track your monthly expenses.  Start with what you budget for each item at the beginning of the month. At the end of the month write down what you actually spent on that item.  In the third column you can place the difference between what you projected and the actual. Use this to help decide how to reduce your expenses.

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Agent Simple Budget Form - Start with what you budget for each item at the beginning of the month. At the end of the month write down what you actually spent on that item.  In the 3rd column write the difference between what you projected and the actual. Use this to help decide how much to increase your income or reduce your expenses.

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