Personal Financial Workbook - Consumer Credit
Personal Financial Workbook
American Consumer Credit Counseling (ACCC) is a nonprofit 501(c)(3) organization. Founded in 1991, ACCC
offers confidential credit counseling, housing counseling, bankruptcy counseling, a debt management program,
and educational resources nationwide.
The Personal Financial Workbook is a tool that you can use to organize your finances and gain an understanding
of how you are spending your money. By using the worksheets you¡¯ll be able to paint a clear picture of your
financial situation and make better decisions for the future. We recommend that you photocopy worksheets
before using them so that you may revise the information, and reuse the worksheets as needed.
Table of Contents
1. Financial Community Guideline Worksheet
2. Daily Expense Tracking Worksheet
3. Household Budgeting Worksheet
4. Bill Paying Worksheet
5. Personal Asset Worksheet
6. Household Inventory Worksheet
8. Net Worth Worksheet
9. Financial Records Organization Worksheet
11. Financial Goals Worksheet
13. Bank Account Comparison Worksheet
14. Investment Options Worksheet
15. Creditworthiness Worksheet
16. Debt-to-Income Ratio Worksheet
17. Credit Card Options Worksheet
18. Annual Credit Report Request Form
19. Resources
American Consumer Credit Counseling
130 Rumford Ave, Suite 202, Auburndale, MA 02466-1371
1-800-769-3571
Financial Community Guidelines
Calculate and compare your spending to the financial community guidelines.
Compare your spending to the financial community guidelines
Housing 35%
Mortgage or rent, taxes, repairs, improvements, insurance, and utilities
Transporation 20%
Monthly payments, gas, oil, repairs, insurance, parking, and public transportation
Debt 5%
Credit cards, personal loans, student loans, and other debt payments
All other expenses 20%
Food, insurance, prescriptions, doctor & dentist bills, clothing, and personal
Investments & Savings 20%
Stocks, bonds, cash reserves, savings accounts, retirement funds, etc.
*To calculate the recommended expenditure for each category, multiply the recommended percentages by your
gross income. For example, if your gross income is $3,000.00 and the recommended allowance for housing
is 35%, multiply $3,000.00 by .35. The recommended housing expenditure should not exceed $1,050.00 per
month.
*To calculate your true monthly budget expenditure for each category, divide your monthly expense by
your gross income, and multiply that by 100. For example, if your housing expense is $1,200.00, divide by
$3,000.00, and multiply by 100. You are spending 40% of the recommended expenditure on housing.
Budgeted
Expense
Recommended
Expense
Recommended
Actual
Expense
(gross income x
recommended %)
Budget
Percentage
(expense/income)
x 100
Housing
35%
$
$
%
Transportation
20%
$
$
%
Debt Payments
5%
$
$
%
All Other
20%
$
$
%
Savings
20%
$
$
%
Explanation
1
Daily Expense Tracker
Track your daily spending on this worksheet to see exactly where your money is going.
Date
2
Expense
Amount:
Cash/Check/Debit
Amount Credit
Household Budgeting Worksheet
Complete this worksheet by entering all of your monthly expenses for the following line items.
Total each category and add all categories together to calculate your monthly expenses.
Housing/Utilities
Rent/mortgage
Heating
Electricity
Water/sewage
Renter/homeowner insurance
(if not included in mortgage)
Trash service
Telephone and cell phone
Home maintenence
Cleaning supplies
TOTAL
Transportation
Gas
Car payment(s)
Car insurance
Car inspection
Car repairs and maintenence
Car registration
Public transportation or taxi
Parking and tolls
TOTAL
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
Insurance (if not payroll deducted)
Health
$
Life
$
Disability
$
TOTAL
$
Food
Groceries
$
School lunches
$
Work-related (lunch/snacks)
$
TOTAL
$
Medical
Doctor visits
$
Dental
$
Prescriptions
$
TOTAL
$
Childcare
Daycare
$
Babysitter/nanny
$
Child support/alimony
$
TOTAL
$
Donations
Religious or charity
$
TOTAL
$
Education
Tuition
Books and supplies
Newspapers and magazines
TOTAL
Personal
Barber/salon services
Toiletries
Children¡¯s allowances
Tobacco products
Beer, wine, or liquor
Clothing
Laundry/dry cleaning
TOTAL
Entertainment
Sporting events, concerts, etc.
Movies/video rentals
Restaurants/take-out
Internet service
Cable/satellite TV
Gambling/lottery tickets
Fitness/social clubs
Vacation/travel
Hobbies
TOTAL
Debts
Student loan
Credit card
Medical bills
Personal loan
TOTAL
Savings
Emergency fund
Down payment fund
TOTAL
Gifts
Birthdays
Major holidays
TOTAL
Total Monthly Expenses
- Net Income
= Cash Flow
(disposable/deficit)
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
3
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