The first step
in getting yourself in financial shape to buy a home is to know what you make
and what you spend now. List your income and expenses below.
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Expenses |

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Rent/Mortgage (include taxes, principal, and
insurance) |

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Life Insurance |

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Health/Disability Insurance |

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Vehicle Insurance |

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Homeowners or Other Insurance |

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Car Payments |

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Other Loan Payments |

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Savings/Pension Contribution |

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Utilities (gas, water, electric, phone) |

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Credit Card Payments |

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Car Upkeep (gas, maintenance) |

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Clothing |

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Personal Care Products (shampoo, shaving cream,
etc.) |

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Groceries |

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Food prepared outside the home (restaurant meals
and carry out) |

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Medical/Dental/Prescriptions |

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Household Goods (hardware, lawn and garden) |

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Recreation/Entertainment |

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Child Care |

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Education (continuing education, lessons for
children) |

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Charitable Donations |

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Miscellaneous |

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Total Expenses = |

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Remaining Income After Expenses = |

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