INSTRUCTIONS -- explains how to use each of the tools in this organizer to track your finances and budget...including:

• preparation and familiarization
• making entries
• paying bills
• credit and debit cards
• month-end detailed and summary expense and income calculations
• month-end personal balance sheet
• charts

12 MONTHS OF EXPENSES -- provides tracking sheets for recording a variety of monthly and intermittent personal expenses...including:

• costs of your primary residence and property taxes
• costs of a secondary residence and property taxes
• household maintenance
• loan payments
• insurance
• utilities
• telephones
• commuting, car expenses, and gas
• professional fees
• banking fees
• donations (deductible and non-deductible)
• television, cable, and satellite
• entertainment
• computer expenses
• postage and shipping
• medical expenses
• clothing
• educational costs
• day care, child care, and child support
• other costs related to children or grandchildren
• groceries and household toiletries
• pet expenses
• gifts
• travel and vacations
• personal grooming
• fitness and hobbies
• subscriptions and books
• work-related expenses
• tobacco and alcohol
• other expenses

MONTH-END ACCOUNT BALANCES -- provides tracking sheets for recording transactions and balances related to saving money and debt ...including:

• savings accounts
• retirement accounts
• investments
• credit card debt
• mortgage debt
• other debt

DETAILED AND SUMMARY EXPENSE AND INCOME EVALUATIONS -- provides automatically calculating tracking sheets for analyzing your spending and income each month...including:

• daily and monthly expense evaluation
• daily and monthly income evaluation

PERSONAL BALANCE SHEET -– provides automatically calculating tracking sheets for analyzing your entire financial situation at a glance at any time in simple, easy to understand terms...including:

• income
• expenses
• savings, checking, investment and retirement accounts
• credit card debt
• mortgage debt
• other debt

CHARTS -– provides automatically generated charts of all your financial data...including;

• income vs. expenses
• savings
• debt
• expenses

NOTE -- The Personal Financial Organizer is NOT intended to provide any financial, tax, or legal advice. All financial, tax, and legal questions should be directed to a licensed financial, tax, or legal professional.