HOW TO GET THE MOST OUT OF YOUR

Packet

Thank you for pre-ordering The Recovering Spender Book! Here is your printable packet thats full of
useful resources and tools to help you organize your finances, track your last few months spending,
think about your financial future, and more. In my book, The Recovering Spender, I talk about a few
things that I did to get myself financially organized. So, to help you out, I made these printables to help
you get started on your journey as you read through the book.
How to use the different pages in this pack:

My
Why

Financial
Bucket List

Debt
Calculation

Needs vs
Wants

Money Flow
Center

Budgeted
Items

Spending
Review

Spend some time and really think about WHY you decided to change your financial situation. Fill in
the blank with the main driving force behind why you desire to change your financial future.

This is a place for you to dream about the things youd like to do, achieve, or own before you kick
the bucket. I recommend you and your significant other filling one of these out separately and then
review each others dreams. This can help you see some variance and similarities in the way you and
your spouse view money. - Talk constructively about your spouses answers. Are your spending habits
today going to make it possible for you to achieve your dreams down the road?

Write down each one of your debts on this page to get a picture of where you are so you can start
digging yourself out of debt.

It can be helpful to see how much we are spending on things we need to survive (shelter, groceries,
etc) versus things we want (cable, restaurants, smartphones, etc.). Use this list to see how much
you are spending on essential needs and non-essential wants. This can help you know where to cut
spending if you need to.

This is an organized, designated, and reserved space where all of the money flows into and out of your
home. This is a list with some ideas of things you might want in your money flow center. Repurpose
old things in your home, or check a thrift store before you look to buy some of these things new.

Here is a list of commonly budgeted and spending categories you can use when making your own
budget.

Before you start (or restart) budgeting. Look at your bank and credit card statements for the past
few months. For each month, fill out a spending review page so you can start to see where you are
spending-heavy, and also to get an idea for how much you are spending in different areas.

Preliminary
Budget

After you completed your spending review, use these pages to calculate your 3-month average
spending in each category. This will give you a fairly accurate picture for how much to actually budget
your first few months.

Bill
Priorities

It is important to prioritize your bills so if money runs tight, you know what bills should be paid
first and what ones to wait on. Use the sample page as a guide. In the Income Remaining column,
subtract that expense from your monthly income total. Then, subtract the next expense amount from
your new remaining total. Keep subtracting down the list and see how far you can get.

Personal
Loans

When you borrow something and dont give it back, it shows a lack of respect for others money. If you
are in debt, you have a lack of respect for your own money as well. If you have a spending problem,
stop borrowing things for the time being, and begin to think of what youve borrowed from others
as debt as well. Write down everyone you can think of that you should repay or return something to.
Come up with a plan to pay these people back the same you would with your credit cards.

MY

Why

IS:

______________________________________________________________
______________________________________________________________
______________________________________________________________
______________________________________________________________
______________________________________________________________
______________________________________________________________
______________________________________________________________
______________________________________________________________

change?

Why are you making a

Who or what is the
first thing you think about when you imagine yourself
BEING FINANCIALLY FREE?

FINANCIAL

Bucket List

RETIREMENT

FINANCIAL

___________________________________

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___________________________________

FAMILY

HOUSING

___________________________________

___________________________________

___________________________________

___________________________________

___________________________________

___________________________________

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___________________________________

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___________________________________

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___________________________________

___________________________________

___________________________________

___________________________________

___________________________________

LIFESTYLE

EDUCATION

___________________________________

___________________________________

___________________________________

___________________________________

___________________________________

___________________________________

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___________________________________

___________________________________

___________________________________

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DEBT CALCULATION

Sheet
DESCRIPTION

AMOUNT

DEBT #1:

_ ______________________________________

$_______________

DEBT #2:

_ ______________________________________

$_______________

DEBT #3:

_ ______________________________________

$_______________

DEBT #4:

_ ______________________________________

$_______________

DEBT #5:

_ ______________________________________

$_______________

DEBT #6:

_ ______________________________________

$_______________

DEBT #7:

_ ______________________________________

$_______________

DEBT #8:

_ ______________________________________

$_______________

DEBT #9:

_ ______________________________________

$_______________

DEBT #10:

_ ______________________________________

$_______________

DEBT #11:

_ ______________________________________

$_______________

DEBT #12:

_ ______________________________________

$_______________

DEBT #13:

_ ______________________________________

$_______________

DEBT #14:

_ ______________________________________

$_______________

DEBT #15:

_ ______________________________________

$_______________

DEBT #16:

_ ______________________________________

$_______________

DEBT #17:

_ ______________________________________

$_______________

DEBT #18:

_ ______________________________________

$_______________

TOTAL

$_______________

NEEDS

VS.

WANTS

NEEDS
DESCRIPTION

WANTS
COST

DESCRIPTION

COST

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

TOTAL $_ _____________

TOTAL $_ _____________

MONEY FLOW

Center

ITEMS FOR YOUR MONEY FLOW CENTER

q White Envelopes
q Accordion File
q Coupon organizer
q Hanging or table top organizer
q File drawer
q Manila folders
q Folders
q Pens
q Highlighters
q Calendar
q Calculator
q Stamps

To help you budget, here is a list of common

categories and items to help you during budget night

HOUSEHOLD

DEBTS

SAVINGS

Mortgage/Rent

Credit Card Minimums

Emergency Fund

Taxes

School Loan Payments

Retirement

Home Owners/Renters

Auto Loan Payments

College Funds

Insurance

Healthcare Debts

Other Investments

Natural Gas

Other

Reserved (for upcoming

expenses)

Electricity
Water

PET CARE

HOA Dues

Food

CHILDCARE

Tools

Veterinarian

Babysitter

Home Repairs

Supplies/Toys

Daycare
Child Support

AUTOMOBILE

ENTERTAINMENT

Gas

Date Nights

CLOTHING

Maintenance

Television

For Children

Registration

Netflix, Hulu, etc.

For Adults

Family Activities
GIVING

Sporting Goods

GIFTS

Charities

Magazines

Birthdays

Others in Need

Other

Holidays
Anniversary

Tithe/Church
HEATHCARE

Wedding

EDUCATION

Premiums

Baby Shower

Tuition

Medicine

Books

Doctor Visit Copays

School Supplies

Supplements

Field Trip Expenses

School Lunch Money

COMMUNICATION
Cell Phone

FOOD

Home Phone

Groceries

Internet

Restaurants
Coffee

HOBBIES
Toys

INSURANCE

Video Games

Automobile

Subscription Services

Life

Music

Disability

School Sports/

Umbrella

Extra Curriculars

Roadside Assistance

EACH DAY
MAKE
ONE MORE
FINANCIAL
CHOICE
YOU ARE

Proud
OF.

SPENDING

Review

HOUSEHOLD

HEALTHCARE

DESCRIPTION

COST

DESCRIPTION

COST

Mortgage/Rent

$______________

Healthcare Premiums

$______________

HOA

$______________

Doctor Visit CoPay

$______________

Home Repairs

$______________

Medicine

$______________

House Cleaner

$______________

Supplements

$______________

___________________ $______________

___________________ $______________

___________________ $______________

___________________ $______________

___________________ $______________

___________________ $______________

___________________ $______________

___________________ $______________

___________________ $______________

___________________ $______________

___________________ $______________

___________________ $______________

___________________ $______________

___________________ $______________

TOTAL $_ _____________

TOTAL $_ _____________

CHILDCARE
DESCRIPTION

COST

FOOD
DESCRIPTION

COST

Day Care

$______________

Groceries

$______________

Babysitter

$______________

Groceries

$______________

Child Support

$______________

Groceries

$______________

___________________ $______________

Restaurants

$______________

___________________ $______________

Restaurants

$______________

___________________ $______________

Restaurants

$______________

___________________ $______________

Coffee

$______________

TOTAL $_ _____________

___________________ $______________
___________________ $______________
___________________ $______________
TOTAL $_ _____________

SPENDING

Review

AUTOMOTIVE
DESCRIPTION

COST

SAVINGS
DESCRIPTION

COST

Gasoline

$______________

Retirement Fund

$______________

Gasoline

$______________

College Fund

$______________

Gasoline

$______________

Emergency Fund

$______________

Car Repairs

$______________

___________________ $______________

Oil Change

$______________

___________________ $______________

___________________ $______________

TOTAL $_ _____________

___________________ $______________

GIVING

___________________ $______________
___________________ $______________

DESCRIPTION

___________________ $______________

Tithe

$______________

___________________ $______________

Charity

$______________

TOTAL $_ _____________

ENTERTAINMENT
DESCRIPTION

COST

___________________ $______________
___________________ $______________
TOTAL $______________

COST

EDUCATION

Date Night

$______________

Movies

$______________

DESCRIPTION

Netflix, Hulu, etc.

$______________

Tuition

$______________

Magazine Sub..

$______________

Music Lessons

$______________

Video Games.

$______________

Sports

$______________

COST

___________________ $______________

___________________ $______________

___________________ $______________

___________________ $______________

___________________ $______________

___________________ $______________

___________________ $______________

___________________ $______________

TOTAL $_ _____________

TOTAL $_ _____________

SPENDING

Review

MISCELLANEOUS
DESCRIPTION

COST

UTILITIES
DESCRIPTION

COST

___________________ $______________

Water

$______________

___________________ $______________

Electricity

$______________

___________________ $______________

Gas

$______________

___________________ $______________

___________________ $______________

___________________ $______________

___________________ $______________

___________________ $______________
___________________ $______________

CELL PHONE

___________________ $______________

DESCRIPTION

___________________ $______________

Monthly Plan

$______________

___________________ $______________

Phone Payment

$______________

___________________ $______________
TOTAL $_ _____________

INSURANCE
DESCRIPTION

COST

Life Insurance

$______________

Disability Insurance

$______________

Other Insurance

$______________

___________________ $______________
___________________ $______________
___________________ $______________
___________________ $______________
TOTAL $_ _____________

COST

TOTAL $______________

SPENDING

Review
DEBTS

DESCRIPTION

OTHER
COST

DESCRIPTION

COST

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

____________________ $______________

TOTAL $_ _____________

TOTAL $_ _____________

SPENDING

Review Summary
DESCRIPTION

COST

Household

$______________

Healthcare

$______________

Childcare

$______________

Food

$______________

Miscellaneous

$______________

Utilities

$______________

Insurance

$______________

Automotive

$______________

Entertainment

$______________

Savings

$______________

Giving

$______________

Education

$______________

Debts

$______________

Other

$______________
TOTAL $_ _____________

PRELIMINARY

DESCRIPTION

Budget
Month 1

Month 2

Month 3

Average

Household

($__________ + $___________ + $_ _________ ) /3 = $__________

Healthcare

($__________ + $___________ + $_ _________ ) /3 = $__________

Childcare

($__________ + $___________ + $_ _________ ) /3 = $__________

Food

($__________ + $___________ + $_ _________ ) /3 = $__________

Miscellaneous

($__________ + $___________ + $_ _________ ) /3 = $__________

Utilities

($__________ + $___________ + $_ _________ ) /3 = $__________

Insurance

($__________ + $___________ + $_ _________ ) /3 = $__________

Automotive

($__________ + $___________ + $_ _________ ) /3 = $__________

Entertainment

($__________ + $___________ + $_ _________ ) /3 = $__________

Savings

($__________ + $___________ + $_ _________ ) /3 = $__________

Giving

($__________ + $___________ + $_ _________ ) /3 = $__________

Education

($__________ + $___________ + $_ _________ ) /3 = $__________

Debts

($__________ + $___________ + $_ _________ ) /3 = $__________

Other

($__________ + $___________ + $_ _________ ) /3 = $__________

TOTAL $__________

BILL

Priorities
EXPENSE NAME _

MONTHLY INCOME: $5,000

____________

AMOUNT DUE

INCOME REMAINING

PRIORITY #1:

500 5,000-500=$4,500
__Giving
_________________ $_____________

$_ __________________

PRIORITY #2:

__Groceries/Essentials 800
_________________ $_____________

PRIORITY #3:

2,500
__Mortgage/Rent 1,200
_________________ $_____________
$_ __________________

PRIORITY #4:

200 2,300
__Utilities
_________________ $_____________

$_ __________________

PRIORITY #5:

Support
__Child
_________________

250
$_____________

2,050
$_ __________________

PRIORITY #6:

Loan Debt
__Student
_________________

600
$_____________

1,450
$_ __________________

PRIORITY #7:

650
__Transportation 800
_________________ $_____________
$_ __________________

PRIORITY #8:

Debt
__Taxes/IRS
_________________

PRIORITY #9:

__Insurances 150 500

_________________ $_____________
$_ __________________

PRIORITY #10:

Card Payment
__Credit
_________________

PRIORITY #11:

45 205
__Internet
_________________ $_____________

$_ __________________

PRIORITY #12:

Phones
__Cell
_________________

PRIORITY #13:

115 0
__Savings
_________________ $_____________

$_ __________________

PRIORITY #14:

__Clothing
_________________

$_____________

$_ __________________

PRIORITY #15:

__Miscellaneous
_________________

$_____________

$_ __________________

PRIORITY #16:

Stuff
__Fun
_________________

$_____________

$_ __________________

3,700
$_ __________________

SAMPLE
0
$_____________

250
$_____________

90
$_____________

650
$_ __________________
250
$_ __________________
115
$_ __________________

Using our suggestions as a rough guide, fill out your own Bill Priority list on the next page
and see how far down the list your income will get. We arrived at our suggestions based on
need, necessity, and responsibility.

BILL

Priorities

MONTHLY INCOME: ____________

EXPENSE NAME _

AMOUNT DUE

INCOME REMAINING

PRIORITY #1:

___________________

$_____________

$_ __________________

PRIORITY #2:

___________________

$_____________

$_ __________________

PRIORITY #3:

___________________

$_____________

$_ __________________

PRIORITY #4:

___________________

$_____________

$_ __________________

PRIORITY #5:

___________________

$_____________

$_ __________________

PRIORITY #6:

___________________

$_____________

$_ __________________

PRIORITY #7:

___________________

$_____________

$_ __________________

PRIORITY #8:

___________________

$_____________

$_ __________________

PRIORITY #9:

___________________

$_____________

$_ __________________

PRIORITY #10:

___________________

$_____________

$_ __________________

PRIORITY #11:

___________________

$_____________

$_ __________________

PRIORITY #12:

___________________

$_____________

$_ __________________

PRIORITY #13:

___________________

$_____________

$_ __________________

PRIORITY #14:

___________________

$_____________

$_ __________________

PRIORITY #15:

___________________

$_____________

$_ __________________

PRIORITY #16:

___________________

$_____________

$_ __________________

PERSONAL

Loans

PERSON OWED

AMOUNT DUE

MONTHLY PAYMENT PAYOFF DATE

DEBT #1:

_ ______________ $______________

$______________

______________

DEBT #2:

_ ______________ $______________

$______________

______________

DEBT #3:

_ ______________ $______________

$______________

______________

DEBT #4:

_ ______________ $______________

$______________

______________

DEBT #5:

_ ______________ $______________

$______________

______________

DEBT #6:

_ ______________ $______________

$______________

______________

DEBT #7:

_ ______________ $______________

$______________

______________

DEBT #8:

_ ______________ $______________

$______________

______________

DEBT #9:

_ ______________ $______________

$______________

______________

DEBT #10:

_ ______________ $______________

$______________

______________

DEBT #11:

_ ______________ $______________

$______________

______________

DEBT #12:

_ ______________ $______________

$______________

______________

DEBT #13:

_ ______________ $______________

$______________

______________