Amount

Income Total 0.00

Amount
Guideline 10% 10%
Your % 0
Giving / Taxes Total 0.00 Over / Under -10%
Other Giving Amount
Guideline 0% 0%
Your % 0
Over / Under 0%
Other Giving Total 0.00
Taxes Amount
Guideline 20% 20%
Your % 0
Over / Under -20%
Taxes Total 0.00
0.00
Monthly Living Expenses
Net Spendable Income
Federal
Medicare
Commissions
Bonuses/Tips
Retirement Income
Net Business Income
Other Giving
Local Church
Other Church Giving
Compass Spending Plan
Date of Plan:
Monthly Income
Monthly Salary
Gross Income
Giving and Taxes
Tithe / Church Giving
The Poor
Ministries
Social Security (FICA)
State Taxes
Local Taxes
Other
Holiday/Birthday Cash Gifts
Child Support / Alimony (Income)
Other Income
Interest Income
Dividends
Amount
Guideline 30% 30%
Your % 0
Over / Under -30%
Housing Total 0.00
Amount
Guideline 11% 11%
Your % 0
Over / Under -11%
Food Total 0.00
Amount
Guideline 2% 2%
Your % 0
Over / Under -2%
Personal Care Total 0.00
Amount
Guideline 13% 13%
Your % 0
Over / Under -13%
Housing
Mortgage(s)
Prepayment of Mortgage Principle
Maintenance
Transportation
Auto Payment(s)
Gas
Auto Insurance
Other
Pool Maintenance and Supplies
Warranties
Water
Sanitation
Telephone
Mobile Phone
Other
Food and Groceries
Food (includes eating out)
Toiletries
Cleaning and Laundry Supplies
Other
Gym Membership
Vitamins / Supplements
Homeowner's / Renter's Insurance
Personal Care
Cosmetics
Beauty / Barber
Storage Facility
TV -Cable / Satellite
Internet Service
Water Softener
Lawn Care
Pest Control
Flood Insurance
Property Taxes
Electricity
Gas
Rent
Termite Bond
Homeowner's / Renter's Association Dues
Transportation Total 0.00
Amount
Guideline 5% 5%
Your % 0
Over / Under -5%
Insurance Total 0.00
Amount
Guideline 5% 5%
Your % 0
Over / Under -5%
Debts Total 0.00
Amount
Guideline 7% 7%
Your % 0
Over / Under -7%
Entertainment / Vacations
Eating Out
Hosted Events
Activities
Day / Weekend Trips
Vacations
Co-Signed Loans
Payday Loans
Business Loans
Loans from Family/Friends
Other
Lines of Credit
Student Loans
Medical Bills
Health*
Disability*
Dental*
Personal Liability
Long Term Care
Vision*
Transit Fees
Other
On-Star/Satellite Radio Subscription
Debts
Credit Cards
Personal Signature Loans
Other
*These items may be included in payroll
deductions and may be combined and displayed
on a single line on your paycheck stub.
Insurance
Life
Licenses & Taxes
Oil Changes / Routine Maintenance
Tires
Repairs
Tolls
Parking
AAA / Auto Club
Ent / Vac Total 0.00
Amount
Guideline 2% 2%
Your % 0
Over / Under -2%
Pets Total 0.00
Amount
Guideline 2% 2%
Your % 0
Over / Under -2%
Clothing Total 0.00
Amount
Guideline 5% 5%
Your % 0
Over / Under -5%
Child / Edu Total 0.00
Amount
Guideline 2% 2%
Children / Education**
Baby Food / Formula
Lessons
Sports
Gifts
Anniversaries
School Supplies
School Tuition
Clothing
Babysitter
Diapers
Tutoring
Day Care
Child support (expense)
Field Trips
Transportation
Allowance
Other
**If you have Child Care expenses, other
categories must be reduced by that percentage.
Dry Cleaning
Uniforms
Pets
Vaccinations
Flea / Tick / Heartworm / Other Medicine
Music-CD's, Online
Other
Other
Boarding / Pet Sitting
Other
Clothing
Adults
Food
Vet
Video Rentals
Subscriptions
Books
Your % 0
Over / Under -2%
Gifts Total 0.00
Amount
Guideline 4% 4%
Your % 0
Over / Under -4%
Medical Total 0.00
Amount
Guideline 8% 8%
Your % 0
Over / Under -8%
Savings Total 0.00
Amount
Guideline 2% 2%
Your % 0
Over / Under -2%
Investments Total 0.00
Amount
Guideline 2% 2%
Your % 0
Over / Under -2%
Total Guideline
%
100%
Other
Adult Education
Other
Investments
401k/403b and Other Retirement Plans
College Fund - tuition,529,Coverdell plans
Other
IRA self-directed retirement savings
Stocks, Mutual Funds
Emergency Fund (3 months living expenses)
Home Repairs / Appl Replacement Savings
Family Pictures
Miscellaneous
Adult Allowances
Alimony (expense)
Professional Fees (taxes, legal, CPA, etc.)
Postage
Bank Charges / Fees
Bonds
Real Estate
Auto Replacement Savings
Bank Certificates of Deposit
Savings
Savings Account
Heath Savings Account / Flexible Spending
Other
Medical
Doctor
Dentist
Prescriptions
Eye Glasses / Contacts
Deductibles
Christmas
Weddings
Graduations
Other
Birthdays
Misc. Total 0.00 Total % -100%
0.00
0.00
0.00
0.00 Surplus or Deficit
Minus Total Living Expenses
Total Monthly Living Expenses
Net Spendable Income
GROSS INCOME
Tithe/Church Giving
Other Giving
Taxes
Housing
Food and Groceries
Personal Care
Description of Spending Plan Categories
Transportation
Insurance
Debts
Entertainment/Vacations
Pets
Clothing
Children/Education
Gifts
Medical/Health
Savings
Investments
Miscellaneous
Total amount received in income before the deduction of taxes or other
amounts withheld from pay including earnings from a job, interest income,
dividends, commissions, bonuses, tips, retirement income, business
distributions, holiday or birthday cash gifts, child support received, alimony
received, and any other income source.
cash donated to local church, given as led but is frequently based upon a
percentage of gross income
cash donated to other charitable causes which can include the poor, other
ministries, community organizations, health related organizations, etc.
amounts withheld from paychecks which would include Federal withholding,
Social Security (OASDI), Medicare, state income taxes, local income taxes, and
any other involuntary deductions as mandated by government taxing
authorities
All expenses related to the ownership or operations of the household, including
mortgage payment (interest and principal), prepayment of mortgage principle,
rent, homeowner's/renter's insurance, flood insurance, property taxes,
electricity, gas (as a utility), water, sanitation, telephone (both traditional home
and cellular service), home maintenance, TV (cable or satellite service), internet
service, water softener, pool maintenance and supplies, extended service
warranties, lawn care, pest control, termite bond, homeowner's / renter's
association dues, storage facility (for off site storage of property), etc.
Groceries which are purchased to be consumed or prepared in the home,
toiletries, cleaning and laundry supplies, etc. Also include eating out at
restaurants and fast food establishments
Cosmetics, beauty/barber shop, fitness club membership,
vitamins/supplements, etc.
Description of Spending Plan Categories
Vehicle financing payments (principle and interest), gas/fuel, auto insurance,
auto club (such as AAA), vehicle licenses and taxes, oil changes, routine
maintenance, tire replacements, repairs, subscription services (On-Star, satellite
radio, navigational systems), vehicle replacement savings, tolls, parking, transit
fees, etc.
Life, health, disability, vision, dental, personal liability, long term care, etc.
Credit cards, personal signature loans, lines of credit, student loans, medical
bills paid on time, co-signed loans, payday loans, business loans, loans from
family/friends, etc. Payments on home equity loans, 2nd mortgages or home
equity lines of credit should be included in the Housing section.
Hosted events (holiday or event parties/celebrations), activities, day/weekend
trips, vacations, video rentals, subscriptions, books, music-online purchases,
etc.
food, veterinarian visits, vaccinations, prescriptions, boarding, pet-sitting, etc.
adult clothing, dry cleaning, uniforms, etc.
school supplies, tuition, children's clothing, babysitter, day care, child support
paid, baby food/formula, diapers, tutoring, lessons, sports activities, field trips,
transportation, allowance, etc.
Anniversaries, birthdays, Christmas, weddings, graduations, other holidays, etc.
Doctor and dentist visits/co-pays, prescriptions, eye glasses/contacts, health
insurance deductibles, health savings accounts/flexible spending accounts
(payroll deductions), etc.
deposits to savings accounts (including automatic payroll deductions), savings
for emergency savings account (3-6 months of living expenses), savings for
major home repairs, savings for the replacement of home appliances, savings to
replace vehicles, bank certificates of deposit, etc.
Retirement savings investments such as 401k/403b plans, college funds-prepaid
tuition plans, 529, Coverdell plans, IRA self directed and Roth IRA, stocks,
bonds, mutual funds, real estate acquired for investment purposes, etc.
Allowances for adult family members, alimony paid, professional fees (tax,
legal, accounting, etc.), postage, adult education, bank charges/fees, family
pictures, etc.