Fill this out honestly. No judgment, no grades. This gives us both a clear picture of where things stand so our first conversation is productive, not guesswork. Takes about 10 minutes.
Debt Inventory
List every debt you currently owe. Credit cards, auto loans, student loans, personal loans, medical debt, collections -- all of it. If you're unsure of the exact number, your best estimate works.
#
Creditor / Lender
Type
Balance ($)
APR (%)
Min Payment ($)
1
2
3
4
5
6
7
8
9
10
Total
$0
$0
Cash Flow -- Monthly
Map out one normal month. Not your best month, not your worst -- just a typical one. If income varies, use a 3-month average. Round to the nearest dollar.
Income
Source
Monthly ($)
Take-home pay (you)
Take-home pay (partner)
Bonus / commission
Side / business income
Other income
Total Income
$0
Fixed Expenses
Category
Monthly ($)
Rent / mortgage
Property tax (if not escrowed)
Home / renters insurance
HOA dues
Electricity
Gas / heating
Water / sewer
Trash / recycling
Internet
Cell phone
Auto loan(s)
Auto insurance
Health insurance (if not payroll)
Life insurance
Childcare / daycare
School tuition / fees
Student loan payment
Credit card minimums
Personal / other loan payments
Subscriptions (streaming, apps)
Gym / fitness
Tithing / charitable giving
Other fixed
Total Fixed Expenses
$0
Variable Expenses
Category
Monthly ($)
Groceries
Dining out / takeout
Coffee / work lunches
Fuel / gas
Auto maintenance / repairs
Parking / tolls / transit
Medical / copays / prescriptions
Clothing / apparel
Personal care (haircuts, etc.)
Household supplies
Kids' activities / extracurriculars
Entertainment / hobbies
Travel / vacation (set-aside)
Gifts
Shopping / misc
Other variable
Total Variable Expenses
$0
Monthly Surplus / (Deficit)
$0
Total Debt
$0
Total Income
$0
Total Expenses
$0
Surplus / (Deficit)
$0
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