Now you can cross-reference the dates/timeframes that expenses and debts are due with your paydays as they come up. Under the payday dates in the "Received" line(s) enter your anticipated net income for those paydays. In the far left hand column, list the dates or timeframes that relate to that particular expense or debt payment (i.e.: 1st, 15th, 25th, weekly, monthly, etc).Īcross the top of the form, list all of your payday dates for one month only. Take your own Monthly Expense Form and your Debt Listing and complete the Payday Spending Plan with all of your own expenses and debts listed down the second left hand column. Some categories typical for most consumers are already listed on this form to show you how this works. You are now ready to establish a Payday Spending Plan(PDF).īegin by listing all of your unique monthly expenses (which now should be adjusted based on your adjusted expenses on your Monthly Expense Form) on the Payday Spending Plan.
Total the debt and also total the monthly obligation for all debts, and keep this information in your Money Management file. ■Any other important and/or pertinent data that may be of interest at some future point in time ■Dates of all personal contacts (other than payments) with the credit grantor/lender or collection agency, who was spoken with, and a brief statement regarding the interaction ■The name of a representative with whom you have established a relationship, if such exists ■Address of credit grantor/lender or collection agency ■Telephone and fax numbers of credit grantor/lender or collection agency ■Name of credit grantor/lender or collection agency Items that should or might be noted for each debt are: * This is sound money management, and it also helps you keep focused on where you are, financially, in regards to your values and goals.
It is wise to begin keeping a record of all debt owed, payments made and balances outstanding. Americans' college costs make it necessary for many students and their families to borrow money. There are not too many consumers who start college with no debt.
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