Financial Planning Worksheet - MCCS Okinawa
PAGE
Financial Planning Worksheet
Date_____________________________ SSN_ _____________________________ Rate____________________________ Name______________________________________________ Age_____________________________________________ Pay Grade__________________________________________ Yrs. in Svc._______________________________________
Date Reported/PRD (Transfer)__________________________________________________________________________ Marital Status______________________ Spouse's Name_ ____________________ Age_____________________________
Spouse's Place of Employment__________________________________________________________________________
Number of Children and Ages___________________________________________________________________________
Home Address_______________________________________________________________________________________ Work Telephone______________________________________ Home Telephone___________________________________
Command & Referred By (Self, CMD, NMCRS, FFSC, etc.)_ __________________________________________________
Amount of SGLI Elected_ ______________________________ Amount of FSGLI Elected____________________________
TSP Monthly Contribution______________________________ MGIB Monthly Contribution___________________________
STATEMENT OF NET WORTH
ASSETS
Cash on hand Checking accounts Savings accounts Certificates of Deposit
Cash value of Life Insurance U.S. Savings Bonds Mutual Funds/Money Market Stocks/Bonds College Funds
401(k)/403(b)/TSP Other (IRAs, etc.)
Real Estate (Market Value) Home Rental Property Other (Vac Home/Trailer/Time Share)
Personal Property
Vehicles/Motorcycles/Boats Furniture Jewelry Other (Collectibles, etc.)
$_____________ $_____________ $_____________ $_____________
$_____________ $_____________ $_____________ $_____________ $_____________
$_____________ $_____________
$_____________ $_____________ $_____________ $_____________
$_____________ $_____________ $_____________ $_____________
Counseling Provided By:___________________________ Counselor Phone #:_______________________________ Appointment Date:_______________Time:_____________ Place:__________________________________________
LIABILITIES
Signature Loans
$_ ___________
Auto Loans or Leases Consolidation Loans
$_ ___________ $_ ___________
Student Loans
$_ ___________
NEX/AAFES (Star Card)
$_ ___________
Department Store Credit Cards Other Credit Cards
$_ ___________ $_ ___________
NMCRS (Loan)
$_ ___________
Other (Friends, Relatives, etc.)
$_ ___________
Advance/Over Payments
$_ ___________
Mortgages-Balances Due
Home
$_ ___________
Rental Property
$_ ___________
Other (Vac Home/Trailer/Time Share)$____________
TOTAL ASSETS
TOTAL LIABILITIES
NET WORTH (Assets - Liabilities)
$_ ____________ $_ ____________
$_ ____________
PAGE
ENTITLEMENTS
* Base Pay
Basic Allowance for Housing (BAH I or II)
Overseas Housing Allowance (OHA)
Basic Allowance for Subsistence (BAS)
Family Separation Allowance (FSA)
* Flight Pay/Diving Pay/Flight Deck Pay * Submarine Pay * Other Hazardous Duty Pay * Sea Pay
Taxable COLA
Other (tax exempt/allowance eg. COLA/FSSA)
TOTAL MILITARY COMPENSATION
(A)
* Taxable pay (
)
DEDUCTIONS
ALLOTMENT
ALLOTMENT
ALLOTMENT
ALLOTMENT
Meal Collection Deduction
Family SGLI (For Spouses)
SGLI and T-SGLI
Uniform Services TSP
MGIB
FITW Filing Status Actual:
FICA (Social Security)
FICA (Medicare)
State Income Tax
AFRH (Armed Forces Retirement Home)
Tricare Dental Plan (TDP)
Advance Payments
Over Payments
TOTAL MILITARY COMPENSATION
(B)
CALCULATE NET INCOME
Service Member's Take Home Pay
(A-B)
Service Member's Other Earnings (less taxes)
Spouse's Earnings (less taxes)
ALLOTMENT
ALLOTMENT
ALLOTMENT
ALLOTMENT
Meal Collection Deduction
Family SGLI (For Spouses)
SGLI and T-SGLI
Uniform Services TSP
MGIB
Tricare Dental Plan (TDP)
Advance Payments
Over Payments
Child Support/Alimony (Received/Income)
Other Income (e.g. SSI, Rental Income)
TOTAL MONTHLY LIVING INCOME
MONTHLY INCOME
ACTUAL
PROJECTED
ACTUAL
PROJECTED
ACTUAL $
PROJECTED $
$
$
*Note: Pay Entitlements are taxable. Allowance Entitlements are non-taxable.
REMARKS Monthly Contribution Amount
Excludes pretax ded for TSP/MGIB
REMARKS For/ends? For/ends? For/ends? For/ends?
Proj. Status: Base Pay Only, Excludes MGIB Base Pay Only, Excludes MGIB State Claimed: Ends: Ends:
REMARKS Divide by 2 fr Payday Amount
Actual:
PAGE
MONTHLY SAVINGS AND LIVING EXPENSES
SAVINGS
SAVINGS
Emergency Fund (1-3 months)
Goal: 10% of Net Income Reserve Fund
Actual
Projected "Goal-Getter Fund
$
$
Investments/IRAs/TSP/etc.
TOTAL SAVINGS AND INVESTMENTS (10%)
ACTUAL
PROJECTED
REMARKS Monthly Contribution Amount
LIVING EXPENSES
HOUSEHOLD
Furnishings
Maintenance/Repairs
Mortgage/Rent
Taxes/Fees
FOOD
Dining Out
Groceries
Lunches
Vending Machines
Meal Deductions
UTILITIES
Cable/Satellite TV
Cellular/Pagers/Phone Cards
Electricity
Internet Service
Natural Gas/Propane
Telephone
Water/Garbage/Sewage
CHILD CARE
Allowances
Daycare
Support
AUTOMOBILE Gasoline
Maintenance/Repairs
Other
CLOTHING
Laundry/Dry Cleaning
Purchases ($50 monthly per person)
INSURANCE
Automobile
Health/Life
Homeowners/Renters
SGLI/T-SGLI/FSGLI
Tricare Dental
HEALTHCARE Dental
Eye Care
Hospital/Physician
Prescriptions
EDUCATION
Books
Tuition/Fees
MGIB
CONTRIBUTIONS Charities
Club Dues/Association Fees
Religious
LEISURE
Athletic Events/Sporting Goods
Books/Magazines
Computer Products (Software/Hardware)
DVD/VHS/Video Games/CDs
Entertaining
Lessons/Toys & Games
Travel/Lodging
GIFTS
Holidays
Birthdays/Anniversaries
PERSONAL CARE Barber/Beauty Shop
Beer/Liquor/Wine
Other
Tobacco Products
PET CARE
Food/Supplies
Veterinarian/Service (boarding/grooming)
MISCELLANEOUS ATM Fees/Stamps/etc.
Other
ACTUAL
PROJECTED
REMARKS
include school and work lunches
Local=$____Long Distance=$____ Include other dependant care
Both service member/Family SGLI
include room and board Montgomery GI Bill (MGIB) include spectator sports purchase and rental dance, music, self-defense, tutor, etc.
ABC, Package Store, etc.
Recommend $50-$150 Buffer
TOTAL MONTHLY LIVING EXPENSES (70%) $
$
Actual:
PAGE
INDEBTEDNESS 20%
CREDITOR
PURPOSE
MONTHLY BALANCE PROJECTED
REMARKS
APR %
PAYMENT
PAYMENT
(Mos Behind, Pd by Allotment, etc.)
1. US Govt. 2. US Govt. 3. 4. 5. 6. 7. 8. 8. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25.
Advance Pay Over Payments
Automatic Deduction Automatic Deduction
TOTAL
SUMMARY
ACTUAL
NET INCOME (Bottom of Page 2)
SAVINGS & INVESTMENTS (Page 3)
-
LIVING EXPENSES (Page 3)
-
AMOUNT LEFT TO PAY DEBTS
=
TOTAL MONTHLY DEBT PMTS (Page 4) -
SURPLUS OR DEFICIT
=
PROJECTED
DEBT TO INCOME RATIO (Total Monthly Debt Payments ? Net Income x 100 = Debt-to-Income Ratio)
Increase Income
1. 2. 3. 4. 5. 6.
ACTION PLAN
proposed options
Decrease Living Expenses
1. 2. 3. 4. 5. 6.
Decrease Indebtedness
1. 2. 3. 4. 5. 6.
REFERRALS/RECOMMENDED TRAINING
1. 2. 3. 4. 5. 6.
PAGE
SETTING YOUR GOALS (Short & Long Term)
Goal
COST
/ date wanted
= monthly savings
to reach goal
1. 2. 3. 4. 5. 6.
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