dave ramsey financial peace university workbook phần 3

Ngay cả trước khi các cuộc tấn công khủng bố 11 Tháng Chín năm 2001, nền kinh tế toàn cầu đã trải qua một sự biến đổi cảm thấy thông qua gom và downsizings. Bây giờ chúng ta đang ở trong giai đoạn một, ít nhất là trong tương lai gần, trong đó bảo tồn các nguồn tài nguyên là thứ tự của ngày. | CASHFLOW planning L UMP SUM PA YMENT PLANNING SHEET 4 Payments you make on a NON-monthly basis can be budget busters if not planned for so we are converting them to a monthly basis for you to use on Sheet 5 where you will set money aside monthly to avoid strain or borrowing when these events occur. If an item here is already paid monthly enter NA. If you make a payment quarterly then annualize it for this sheet. ITEM ANNUAL MONTHLY NEEDED AMOUNT AMOUNT Real Estate Taxes 12 Homeowners Insurance 12 Home Repairs __ 12 Replace Furniture 600 12 50 Medical Bills _ 12 _ Health Insurance 12 Life Insurance 12 Disability Insurance __ 12 Car Insurance __ 12 Car Repair Tags 12 Replace Car 12 Clothing 12 Tuition 12 Bank Note 12 IRS Self-Employed 12 Vacation 1 800 12 150 Gifts inc. Christmas 1 200 12 100 Other 12 78 L IMP SUM PA YMENT PLANNING SHEET 4 Payments you make on a NON-monthly basis can be budget busters if not planned for so we are converting them to a monthly basis for you to use on Sheet 5 where you will set money aside monthly to avoid strain or borrowing when these events occur. If an item here is already paid monthly enter NA. If you make a payment quarterly then annualize it for this sheet. ITEM ANNUAL MONTHLY NEEDED AMOUNT AMOUNT Real Estate Taxes 12 Homeowners Insurance 12 Home Repairs 12 Replace Furniture 12 Medical Bills 12 Health Insurance 12 Life Insurance 12 Disability Insurance 12 Car Insurance 12 __ Car Repair Tags 12 __ Replace Car __ 12 __ Clothing 12 Tuition 12 Bank Note __ 12 __ IRS Self-Employed 12 Vacation 12 Gifts inc. Christmas __ 12 Other 12 79 NOTES .