| Expenses | |
| AUTO-Excise Tax | $0 |
| AUTO GAS - BR | $200 |
| AUTO-Insurance | $120 |
| AUTO-Maintenance | $0 |
| CASH-Auto Gas JR | $100 |
| CASH-Clothing | $0 |
| CASH-Dining Out | $120 |
| CASH-Gifts | $0 |
| CASH-Grocery | $400 |
| CASH-Kids Allowance | $50 |
| CASH-Parties | $0 |
| CASH-School Lunch | $45 |
| CASH-Spending | $160 |
| DEBT-Equity Loan | $100 |
| DEBT-Visa | $0 |
| HOME-Cable/Phone | $181 |
| HOME-Electric | $190 |
| HOME-Water | $0 |
| HOME-Furnace | $0 |
| HOME-Mortgage | $2,327 |
| HOME-Oil | $550 |
| HOME-Trash | $0 |
| KIDS-Bball | $0 |
| KIDS-Misc. | $0 |
| KIDS-Piano | $264 |
| KIDS-Preschool | $0 |
| MISC. | $160 |
| MISC. | $0 |
| PERSONAL-Cell Ph | $0 |
| PERSNAL-Contacts | $99 |
| PERSNAL-Life Ins. | $0 |
| PERSNAL-Newspap | $8 |
| PERSNAL-Rx | $10 |
| PERSONAL-Braces | $200 |
| PERSNL-BR Sports | $0 |
| PERSNAL-Vacation | $0 |
| TOTAL | $5,284 |
TRANSFR To Sav EXPENSES+To Sav | $1,700 $6,984 |
| INCOME | February |
| 1st Paycheck | $2,217 |
| 1st Commission | $0 |
| 15th Paycheck | $2,220 |
| Church Pay | $100 |
| Jewelry Pay | $50 |
| Other | $80 |
| Transfer fr Savings | $0 |
| TOTAL | $4,667 |
| CASH FLOW | February |
| Beginning Balance | $2,523 |
| '+ Income | $4,667 |
| Subtotal | $7,190 |
| '- Expenses+To Sav | $6,984 |
| Subtotal | $206 |
| Save For Next Mnth | $206 |
| Ending Balance | $0 |
| SAVINGS FLOW | February |
| Beginning Balance | $4,500 |
| '+ Transfer to Sav | $1,700 |
| Subtotal | $6,200 |
| '- Transfer frm Sav | $0 |
| Subtotal | $6,200 |
| Cash In Home | $0 |
| Ending Balance | $6,200 |
We started out this month with $2,523 in our checking account. This is unusual. We usually begin each month very close to zero (on purpose, because of our zero based budget). This $2,500 would normally have been transferred to our savings account in January, I just didn't get around to making the transfer. Then, February would have had us transferring money from our savings account. So, since I hadn't got around to it, it just made sense to leave those funds in there for the start of February.
Our income for February should be $4,667. Our expenses should be $5,284. So this is one of those months where our income from the month doesn't cover our expenses for the month. In the past this would have had us using our credit card to get by. Thank goodness those days are gone!! With a little planning, we can get by just fine. So, we have $2,523 leftover from last month, which will fill in the gap for this month and leave us with $1,700 extra that we can put into savings.
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