These are sample pages from the full workbook. The complete printed book has 40 pages and works well for lunch-and-learns and new-member packets. Free copies available — request kits.
A budget is just a plan for the money you already have. Fill in real numbers — not the numbers you wish were true — and you will see exactly where you stand each month.
| Money in | Amount / month |
|---|---|
| Take-home pay (after taxes) | $ |
| Other income (side work, support, benefits) | $ |
| Total money in | $ |
| Money out | Amount / month |
|---|---|
| Housing (rent/mortgage, utilities) | $ |
| Transportation (car payment, gas, bus) | $ |
| Food & groceries | $ |
| Insurance (health, auto, home) | $ |
| Debt payments (cards, loans) | $ |
| Savings (pay yourself first) | $ |
| Everything else | $ |
| Total money out | $ |
Left over (or short) = money in − money out = $
Both methods keep you making every minimum payment, then put any extra money toward one debt at a time. They differ only in which debt gets the extra first.
| Debt | Balance | Interest rate | Minimum payment |
|---|---|---|---|
| $ | % | $ | |
| $ | % | $ | |
| $ | % | $ | |
| $ | % | $ |
I'm choosing: Snowball / Avalanche
An emergency fund is cash set aside for the surprises — a car repair, a medical bill, a gap between paychecks. A common target is 3 to 6 months of expenses.
My essential monthly expenses: $
Starter target (× 3): $
Full target (× 6): $
Your credit score affects the rates you're offered on loans and cards. A few main factors move it:
This was a preview of The Money Toolkit. The full 40-page workbook has more worksheets on saving, credit, homebuying, and retirement — plus space to build your own plan.
Have questions about your own numbers? Talk with a Fort McClellan Credit Union team member, or try the online Budget Builder.
Request free copies →