Showing posts with label Family Finance. Show all posts
Showing posts with label Family Finance. Show all posts

Sunday, April 21, 2019

USING A PETTY CASH BUDGET

VERSION TWO www.amazon.com/author/redbecker familydisasternet@gmail.com
If this form doesn’t print right please email us for a PDF. It is a Table with 7 columns and 40 rows if you want to reset it.

Lesson 94: USING A PETTY CASH BUDGET: This is a way to control your disposable income. You will find out if you use this budget that you can save up to 10% a week in cash. That will let you pay some other bill, and get into a better financial picture. Use a long secure envelope to store all receipts and the ‘fill-in-the-blank form’ inside it for each week, or pay period, or month. Tally up the various categories and add to the budget in Lesson 92. See how well your new budget works and how adjustments are made for saving money. Save money some place and save or spend it some where else. That way you can’t complain about a lack of funds!!!

MAKE SEVERAL COPIES OF THIS FORM AND FILL OUT EACH WEEK!!!


PETTY CASH WEEK OR DAY OF: CHECKS WRITTEN:
Date
Day
Amount
 Cash

For item:
Check Number
Debit
DateWhereAmount

Date
Amt.cashItem/forCREDITCARDPurchases
TypeDateWhere/forAmount

Lesson 95: FURTHER TRAINING SOP: Training and Education is a continual process especially with FVN. Current Events are always changing and our reaction to them, and the way our preparedness levels must change along with them. Even if you use every word, Lesson and Chapter in this Manual, you will still have more to learn. You will learn from your mistakes trying to establish networks in your Area and Metro.

Most of the rules and SOPs that are in Chapter 13 and other Chapters to operate Groups, Areas, Metros, Districts, States, Zones, Regions, and National are guidelines to correctly manage and administer these levels.

Lesson 96: 4' by 4' by 8' SURVIVAL HUT PLANS: This box is big enough for two or three people to have an emergency sleeping, warming shelter and stay out of the weather. You will be able to stay some what warm with extra blankets or sleeping bags. Don’t forget a mattress, pillows, and a wind-up light. You can put this inside a tent to further stay out of the elements. Someone should build this shelter and see if the list has enough items.

You will need to buy 20# 2"x4"x8'; 5# 2"x8"x8'; 4# 5/8 inch plywood (no OSB); two pounds of 16 penny common nails; 1 pound of 8 penny box nails (wide head); 1 pound of roofing nails; 14' x 8' of white plastic wrap; 2 squares of shingles; 3 rolls of R-19 or higher kraft faced insulation; three wide hinges; door knob set and a small square of plexiglass (2'x2'). Almost all lumber is constructed 16 inches on center (oc).

WHOOPS, TO GET THE REST OF THESE PLANS YOU WILL HAVE TO BUY VERSION ONE OR TWO OR PREPPER’S GUIDE. www.amazon.com/author/redbecker

MONTHLY OR PAY PERIOD BUDGET

VERSION TWO: www.amazon.com/author/redbecker CLIO on Nook
familyvictorynetwork@gmail.com

This table is five columns by 22 rows. You can re-create it yourself or email us for a PDF. Please Register with FVN. Check out the other 40 pages in this Blogspot.
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Lesson 92: MAKING A MONTHLY AND/OR A PAY PERIOD BUDGET: Copy this blank form several times and then fill out and copy again. I know that the total equals more than 100%. Allowable percentages are in the second column, adjust for your families budget. Use the Departments of Commerce and Treasury have web sites for budgeting percentages. Examine your pay-period or monthly budget carefully. Use Lessons 93 and 94 to complete the end-of-month budget to see how well you did. There are several self-help authors who do family finances, so go seek them out. Do your own research or recon.

MONTH & YEARSHOULD BE %
ACTUAL %
PAY DATE:PAY DATE:PAY DATE:
Mortgage with (*1) insurance or Rent25-30%
Home Owners (*1) Association, lot rent, & renter insurance*0-10%

*some included
Water, Sewer, Garbage, Recyclables (*1)0-5%
Heat, A/C Electricity10%
Bundles, Phone, CATV, broadband10%
Cell Phone/Smart5-10%
Vehicle Payments or transportation costs: bus/train/taxi10-15%

*no car, no ins.
Vehicle insurance*5%
Gas, maint., tires*10%
Basic food / supplies (*2)30%
Whim food and eating
out (*2)
8-12%
Life/health insurance5-8%
Tithe or charity5-10%
Payments on loans5-10%
Credit card payments8-12%
Buying clothes for cash & not credit6-11%
Entertainment (*2)
[your description]
4-8%
Disposable Income if any (*2):??%
Super Income:any??
Total Budget #s100-130%
Adjustments:
make your changes today!

*1: Your housing experience may or may not have the above included, adjust your families budget to adapt to 30 to 40% total housing expense.

*2: Use Lessons 93 and 94 to make a better active budget to explain a lot of daily and weekly expenses using those forms. USE FVN FORMS; AND IF THEY DON’T HELP GET PROFESSIONAL HELP OR GET A PROFESSIONAL FINANCE EXPERT SELF-HELP BOOK. Try Suzi Orman or Dave Ramsey or many others. EVERYONE’S BUDGET IS DIFFERENT AND WE’RE MAKING YOU THINK SOME!!

YOUR NOTES: