{"text_format":"2","workbook":"xlsx","n_sheets":3,"sheets":["Instructions (Tab 1)","Statement of Facts (Tab 2)","Tracking Information (Tab 3)"],"not_rendered":{"charts":0,"images":1,"macros":0,"external_links":0,"defined_names":0,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"run_cost":"one","rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Instructions (Tab 1)","index":0,"n_rows":35,"n_cols":1,"rows_kept":35,"cut":false,"hidden":false,"merged":[[21,0,22,8],[24,0,24,8],[16,0,17,8],[14,0,14,8],[9,0,9,8],[11,0,12,8],[29,0,29,8],[34,0,34,8],[31,0,31,8],[19,0,19,8],[26,0,27,8],[7,0,7,8]]}
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["TIPS FOR FILLING OUT YOUR INFORMATION PROFILE"]
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["Your information profile is for your personal use, unless you chose to share it with your table leader or stewardship coach. For your benefit, please fill it out as completely and accurately as possible. This will help you develop a spending plan and debt reduction plan during the working lunch portion of our weekend class, or when sitting down one-on-one with a coach. See the bottom of the screen to move to the next tab and begin filling in your information."]
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["WHAT I OWN (Tab 2)"]
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[]
["Fill in the blanks as requested for all major assets you own. For \"Other,\" simply estimate the market value of any other major assets not listed. If you had to sell everything, how much would you be able to get for it?"]
[]
["WHAT I OWE (Tab 2)"]
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[]
["What liabilities do you have? To whom do you owe money and how much? What interest rate are you paying on each debt?  Include the minimum monthly payment on each debt."]
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["MONTHLY INCOME (Tab 2)"]
[]
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["The income figures should be those which you \"take home\" after taxes and other deductions. Make a note of any deductions other than taxes (such as medical insurance, retirement, etc.). Where those items occur under expenses, enter an asterisk with the footnote \"payroll deduction.\" If your income varies from month to month, use a conservative monthly average based on the last two or three years' earnings. Referring back to your income tax records could be helpful in that determination.  Remember, you want to note after-tax, take-home income."]
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["WHAT I SPEND (Tab 3)"]
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["Gather as much information as you can to determine a monthly average for expenses in each category. Going through your bank account for the past few months to a year will probably be helpful. Be sure to include such items as auto insurance, property taxes, HOA dues, etc., that may not be paid on a monthly basis. If you've not kept records in the past, some of the categories may be difficult to estimate. Give it your best shot, recognizing that if you don't have records showing how much you're spending in a particular area, it's probably more than you think!"]
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["If what you are spending adds up to more than your take-home income, changes will need to be made. Your table leader or coach can help clarify your options. Some changes may not be easy to make, but when done with a willing spirit, God will be pleased and will help! We look forward to working with you. "]
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["(214) 393-3011 direct"]

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["Cells shaded in yellow are formula driven."]
["Statement of Facts "]
[]
["Assets - what do I own? "]
[null,"Cash/Checking account "]
[null,"Savings Account (current balance)"]
[null,"House "]
[null,"Additional Real Estate "]
[null,"Furniture "]
[null,"Jewelry "]
[null,"Car #1 "]
[null,"Car #2 "]
[null,"Electronic Equipment "]
[null,"Collectibles "]
[null,"401 k "]
[null,"IRA "]
[null,"Other Investments "]
[null,"Business "]
[null,"Other"]
[null,"Other"]
[null,"Other "]
[null,null,"Total Assets",null,null,null,{"$f":"SUM(G5:I21)","v":0}]
[]
["Liabilities - what do I owe? "]
["Debt Description ",null,null,null,"Total Owed",null,"Interest Rate",null,"Min. Monthly Payment",null,"Maturity Date "]
[null,"Mortgage "]
[null,"Student Loans "]
[null,"Credit Cards "]
[null,"Car Notes "]
[null,"Debt to family / friends "]
[null,"Other "]
[null,"Other "]
[null,"Other "]
[]
[]
[]
[null,null,"Total Liabilities",null,null,null,{"$f":"SUM(E26:E36)","v":0}]
[]
[null,null,"Net Worth ",null,null,null,{"$f":"(G22)-(G37)","v":0}]
[]
[null,"Monthly Income"]
[]
[null,"Self",{"$nulls":7},"Spouse"]
[null,"Take-home pay (the amount of the check):",{"$nulls":7},"Take-home pay (the amount of the check):"]
[]
[null,"Job #1","$",null,"weekly",null,"every other week",null,null,"Job #1",null,"$",null,null,"weekly",null,"every other week"]
[{"$nulls":4},"monthly",null,"twice a month",{"$nulls":7},"monthly",null,"twice a month"]
[]
[null,"Job #2","$",null,"weekly",null,"every other week",null,null,"Job #2",null,"$",null,null,"weekly",null,"every other week"]
[{"$nulls":4},"monthly",null,"twice a month",{"$nulls":7},"monthly",null,"twice a month"]
[]
[]
[null,"Other Income (please explain)"]
[]
[null,"Total Monthly Income",null,null,"$"]

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["WHAT I SPEND - MONTHLY"]
[]
[]
["Cells shaded in yellow are formula driven."]
[]
["INCOME",{"$nulls":5},"Auto/Transportation"]
["Earnings/Income",{"$nulls":5},"Car Payments"]
["Salary #1 (take home pay)",{"$nulls":5},"Gas"]
["Salary #2 (take home pay)",{"$nulls":5},"Registration / License"]
["Other (less taxes)",{"$nulls":5},"Repairs & Maintenance"]
["Other (less taxes)",{"$nulls":6},"Total Auto/Transportation",null,null,{"$f":"SUM(I7:I10)","v":0}]
["Other (less taxes)"]
["TOTAL MONTHLY INCOME",null,null,null,{"$f":"SUM(C8:C12)","v":0},null,"Insurance (paid by you)"]
[{"$nulls":6},"Auto"]
["EXPENSES",{"$nulls":5},"Homeowners"]
["Giving",{"$nulls":5},"Life"]
["Church",{"$nulls":5},"Medical / Dental"]
["Other Contributions",{"$nulls":5},"Disability"]
[null,"Total Giving",null,null,{"$f":"SUM(C17:C18)","v":0},null,"Other"]
[{"$nulls":6},"Other"]
["Savings",{"$nulls":6},"Total Insurance",null,null,{"$f":"SUM(I14:I20)","v":0}]
["Retirement"]
["Education",{"$nulls":5},"Household/Personal"]
["Auto Replacement",{"$nulls":5},"Groceries"]
["Emergency Fund",{"$nulls":5},"Clothing / Dry Cleaning"]
["Other",{"$nulls":5},"Gifts"]
[null,"Total Savings",null,null,{"$f":"SUM(C21:C26)","v":0},null,"Household Items"]
[{"$nulls":6},"Toiletries / Cosmetics"]
["Consumer Debt (Monthly Payments)",{"$nulls":5},"Barber / Beauty"]
["Visa",{"$nulls":5},"Other:"]
["MasterCard",{"$nulls":6},"Books / Magazines"]
["Discover",{"$nulls":6},"Allowances"]
["American Express",{"$nulls":6},"Photos"]
["Gas Card ",{"$nulls":6},"Miscellaneous"]
["Department Store ",{"$nulls":6},"Total Household/Personal",null,null,{"$f":"SUM(I24:I34)","v":0}]
["Student Loan"]
["Family / Friends",{"$nulls":5},"Entertainment"]
["Other",{"$nulls":5},"Meals and Entertainment"]
["Other",{"$nulls":5},"Babysitting"]
["Other",{"$nulls":5},"Vacations"]
["Other",{"$nulls":5},"Fitness/Sports"]
[null,"Total Consumer Debt Payments",null,null,{"$f":"SUM(C30:C41)","v":0},null,"Hobbies"]
[{"$nulls":6},"Other"]
["Housing",{"$nulls":6},"Total Entertainment",null,null,{"$f":"SUM(I38:I43)","v":0}]
["Mortgage / Rent"]
["Property Taxes",{"$nulls":5},"Education/Professional"]
["Repairs & Maintenance",{"$nulls":5},"Education"]
["Utilities:",{"$nulls":5},"Child Care"]
[null,"Electric",{"$nulls":4},"Doctor Co-Pays / Meds"]
[null,"Gas",{"$nulls":4},"Legal / Accounting"]
[null,"Water",{"$nulls":4},"Bank Charges / Interest Exp."]
[null,"Trash",{"$nulls":4},"Counseling"]
["Home Phone",{"$nulls":5},"Professional Dues"]
["Cell Phone",{"$nulls":5},"Other"]
["Internet",{"$nulls":6},"Total Education/Professional",null,null,{"$f":"SUM(I47:I54)","v":0}]
["Cable / Satellite TV"]
["Home Security",{"$nulls":5},"Misc Small Cash Expenses"]
["Lawn Care"]
["Neighborhood Association",{"$nulls":5},"TOTAL MONTHLY EXPENSES",null,null,null,{"$f":"+E19+E27+E42+E63+K11+K21+K35+K44+K55+K57","v":0}]
["Furnishings / Decorating"]
["Other",{"$nulls":6},"Total Monthly Income",null,null,{"$f":"+E13","v":0}]
["Other",{"$nulls":6},"Less Total Monthly Expenses",null,null,{"$f":"-K59","v":0}]
[null,"Total Housing",null,null,{"$f":"SUM(C45:C62)","v":0},null,null,"Income Over / (Under) Expenses",null,null,{"$f":"+K61+K62","v":0}]