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 Planning Process
 Budgeting
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 Sample Budget


 Income  
   
 monthly take home pay $3,000
   
 Expenditures  
   
 rent $700
 car payment $270
 school loan $250
 utilities (heating, phone, cable, water) $250
 entertainment $250
 clothing $150
 insurance (renter's / car) $100
 credit cards $75     
  $2,045
   
 Money available to save / invest  
   
 monthly net pay $3,000
 monthly expenditures $2,045
 savings / investing funds $955
   
   

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