After your emergency fund is fully  funded, you can save for certain items like furniture, car replacement, home maintenance, or clothes, and your savings balance will grow. This sheet is designed to remind you that all of that money is committed to something, not just a Hawaiian vacation on impulse because you are now "rich." Keep up with your breakdown of savings monthly for one quarter at a time.

Item	Balance By Month:
Emergency Fund (1)	$1000	__________	__________	__________
Emergency Fund (2)	3-6 months	__________	__________	__________
Retirement Fund		__________	__________	__________
College Fund		__________	__________	__________
Real Estate Taxes		__________	__________	__________
Homeownders Insurance		__________	__________	__________
Repairs or Mn. Fee		__________	__________	__________
Replace Furniture		__________	__________	__________
Car Insurance		__________	__________	__________
Car Replacement		__________	__________	__________
Disability Insurance		__________	__________	__________
Health Insurance		__________	__________	__________
Doctor		__________	__________	__________
Dentist		__________	__________	__________
Optometrist		__________	__________	__________
Life Insurance		__________	__________	__________
School Tuition		__________	__________	__________
School Supplies		__________	__________	__________
Gifts (inc. Christmas)		__________	__________	__________
Vacation		__________	__________	__________
Other __________		__________	__________	__________
Other __________		__________	__________	__________
TOTAL		__________	__________	__________

Emergency Fund (1) is your first $1000 (or $500 if your income is less than $20,000). After completing your debt snowball, Emergency Fund (2) gets all of the savings until 3-6 months of expenses have been saved.