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 your Monthly Cash Flow Plan 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 Needed	Annual Amount		Monthly 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 =	_______