Personal Finance Workbook

Plotting Financial Desires/Goals
Knowing and understanding your financial goals is an important step in the budgeting process. By having a goal clearly defined, people can evaluate their budget and plan to reach their goals.

Please outline your goals regarding: savings, debt retirement, giving, surplus, and other. Giving numbers to your goals can help you keep track of each goal—you might try putting them in order of priority based on your situation.

General Goals
Goal 1____________________________________

Cost $ __________________

Goal 2 ____________________________________

Cost $ __________________

Goal 3 ____________________________________

Cost $ __________________

Goal 4 ____________________________________

Cost $ __________________

Goal 5 ____________________________________

Cost $ __________________

Goal 6 ____________________________________

Cost $ __________________

Goal 7 ____________________________________

Cost $ __________________

Goal 8 ____________________________________

Cost $ __________________

Goal 9 ____________________________________

Cost $ __________________

Goal 10 ____________________________________

Cost $ __________________

Goal 11 ____________________________________

Cost $ __________________

Goal 12 ____________________________________

Cost $ __________________

Specific Goals
Now indicate the specific goals you plan to use to obtain or reach the goals mentioned above:

Biblical Position on Giving, Savings, and Debt

Introduction

Needs and Desires

The Debt Trap

The Ease of Debt Growth

Debt Repayment

The True Cost of Debt

Plotting Financial Goals

Gifts Given Record

Debt Records

Statement of Net Worth

Monthly Income Statement

Monthly Cash Flow Recording Sheet

Percentage Guide

Income Graph

Where Do We Go From Here?

Biblical Guidelines

Financial Objectives

Glossary of Terms

Reference List & Acknowledgements

Giving
I (we) plan to give ___% of our income this year to Goal #___
I (we) plan to give ___% of our income this year to Goal #___
I (we) plan to give ___% of our income this year to Goal #___
I (we) plan to give $______ this year to Goal #___
I (we) plan to give $______ this year to Goal #___

Savings
I (we) plan to save $______ per month for the purpose of reaching Goal #___
I (we) plan to save $______ per month for the purpose of reaching Goal #___
I (we) plan to save $______ per month for the purpose of reaching Goal #___
I (we) plan to save $______ per month for the purpose of reaching Goal #___

Debt Retirement
I (we) plan to reduce our debt balance in Goal #___
from $__________ to $__________ by year end.

I (we) plan to reduce our debt balance in Goal #___
from $__________ to $__________ by year end.

I (we) plan to reduce our debt balance in Goal #___
from $__________ to $__________ by year end.

I (we) plan to reduce our debt balance in Goal #___
from $__________ to $__________ by year end.

I (we) plan to reduce our debt balance in Goal #___
from $__________ to $__________ by year end.

I (we) plan to reduce our debt balance in Goal #___
from $__________ to $__________ by year end.

I (we) plan to reduce our debt balance in Goal #___
from $__________ to $__________ by year end.

Surplus
I (we) plan to use unexpected income for Goal #____
I (we) plan to use unexpected income for Goal #____
I (we) plan to use unexpected income for Goal #____

Other
I (we) plan to________________________________
I (we) plan to________________________________
I (we) plan to________________________________
I (we) plan to________________________________
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