Debtscape Inc.


How It All Works
Counseling Session
Consumer Options
Debt Management Plan
Smart Pay (EFT)
Types of Bills
Credit Report
Free Budget Worksheet
Debt Calculator
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Debtscape Budget Worksheet

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Debtscape can assist you with creating a budget that is realistic and easy to maintain. Fill out all applicable categories, and your Debtscape Certified Credit Counselor will review your budget with you along with any necessary changes. *Note: If an item is deducted from your paycheck, such as health insurance, do not list it again as a monthly expense.*

Monthly Income -- All Sources
(For wages, use amounts after taxes, insurance and medical are deducted)
Salary / Wages	$
Salary / Wages (spouse)	$
Social Security Income	$
Pension Plan / Retirement	$
Military Income	$
Interest Income	$
Real Estate Dividends	$
Investment Dividends	$
Unemployment Income	$
Disability Income	$
Alimony / Child Support	$
TOTAL MONTHLY INCOME	$

Monthly Housing Expenses
Mortgage Payment 1	$
Mortgage Payment 2	$
Rent Payment (Apartment)	$
Rent Payment (Other)	$
Insurance (Homeowner / Renter)	$
Fees (Homeowner / Condominium)	$
Utilities (Oil, Gas, Electric, Telephone)	$
Water / Sewer	$
Trash Removal	$
Alarm / Security Service	$
TOTAL HOUSING EXPENSES	$

Monthly Transportation Expenses
Automobile Loan 1	$
Automobile Loan 2	$
Automobile Loan 3	$
Automobile Lease	$
Boat / Recreational Vehicle / All Terrain Vehicle Loan	$
Automobile Insurance	$
Gasoline	$
Repairs / Maintenance	$
TOTAL TRANSPORTATION EXPENSES	$

Monthly Medical Expenses
Prescriptions	$
Co-Payments	$
* Life & Disability Insurance	$
* Health & Dental Insurance	$
TOTAL MEDICAL EXPENSES	$

Monthly Food Expenses
Groceries	$
School / Work Lunches	$
Snacks / Other	$
Dining Out	$
TOTAL FOOD EXPENSES	$

Monthly Clothing Expenses
Clothing	$
Dry Cleaning / Laundry Service	$
TOTAL CLOTHING EXPENSES	$

Monthly Miscellaneous Expenses
Cellular Phone / Pager	$
Internet Service	$
Cable Television	$
Personal Care (Hair / Nails)	$
Education (Training / Supplies)	$
Tobacco / Alcohol	$
Alimony / Child Support	$
Donations (Religious / Charity)	$
Child Care (Day Care / Baby-Sitters)	$
Club Dues or Fees (Health or Other)	$
Magazines / CD's / Movies / Books	$
Children's Activities (Sports, etc.)	$
TOTAL MISCELLANEOUS EXPENSES	$

Monthly Savings Expenses
* Savings Account Deposits	$
TOTAL MONTHLY SAVINGS	$

Monthly Unsecured Debts
Credit Card	$
Credit Card	$
Credit Card	$
Personal Loan	$
Student Loan	$
Collections / Judgments	$
TOTAL MONTHLY	$

BUDGET SUMMARY
TOTAL MONTHLY INCOME (Subtract Your)	$
TOTAL MONTHLY EXPENSES (total all boxes)	$
TOTAL LEFTOVER (+/-)	$
The goal is to have leftover income that equals 5-10% of your total take-home income.

Ctrl. 24 Rev. 1 8/5/2004


Debtscape, Inc. 1304 Concourse Drive, Suite 100, Linthicum, Maryland 21090 Telephone: 1.888.929.3328 / Fax: 1.410.859.3600	©2004 Debtscape, Inc. All Right Reserved.