fac facts - march/april 2013
DESCRIPTION
March/April issue of FAC FactsTRANSCRIPT
Military Family Assistance Center Marshall, Minnesota
HOT OFF THE PRESS FROM YOUR LOCAL
MILITARY FAMILY ASSISTANCE CENTER
March/April 2013 Vol 1 Number 2
THE YELLOW RIBBON SUMMIT
If you have a Yellow Ribbon Summit coming to your area and you are part of your local Yellow Ribbon group I would strongly suggest that you attend. The one I attended afforded me, and others in attendance, a great opportunity to learn more about the program as well as network with other community Yellow Ribbon groups.
It’s been said that “talk is cheap”. In this instance talk(ing) is an extremely valuable commodity offering those in
attendance a chance to share ideas and what their individual groups are doing to stay energized between deployments. And then, bringing that “talk” (information) back to their own program can only increase the overall knowledge and effectiveness of what each group is capable of doing. For more information, please contact your Local FAC and FRSA of upcoming dates and locations.
APRIL IS THE MONTH OF
THE MILITARY CHILD
April has long since been designated the Month of the Military Child. The
caring for and celebrating the children or Service Members has long been a focus of the Department of Defense. Designating April as the Month of the Military
Child underscores the important role military children play within the armed forces community and their families. Military children, like all children, face their day-to-day lives growing up with many common trials and tribulations. However, as a Military Child they must also face the structure of military life, how it affects their family and the deployments that are routine this day and age. Because of this, the Military Child has unique issues than that of a civilian child. The military has been addressing these issues and are pro-active in their approach to ensure that the mental and
physical well being of this group of brave citizens are being met. There are programs such as Operation Military Kid’s (www.operationmilitarykids.org) which is administrated in partnership with other great organizations to include the 4-H Clubs of America (www.national4-hheadquarters.gov/). Other organizations lending their support are Boys & Girls Clubs of America (www.bgca.org), American Legion (www.legion.org), Military Child Education Coalition (www.militarychild.org/), US Army Child, Youth & School (CYS) Services (www.armymwr.com/portal/family/childandyouth/) and the National Association of Child Care Resource & Referral Agencies (www.naccrra.org) The State of Minnesota also hosts a full time Child and Youth Coordinator to assist in the training and education of youth issues for families, child care professionals and educators. For more information about programs in our State go to www.btyr.org/For+Youth. The Child and Youth Coordinator and the OMK are available to present their programs any of your schools, childcare organizations or local service clubs. Just call your local FAC for more information and to request a date. Also, go to Page 6 for a copy of the proclamation and how your child can enter Senator Franken’s 2
nd annual poetry contest. All entries must be in by April 10
th!
YOUR LOCAL
RESOURCES FOR HELP!
PLEASE TAKE NOTE THAT ALL E-MAIL ADDRESSES HAVE CHANGED!
BEMIDJI FAC – Tabitha Steinmetz 651-282-4031 or Cellular 218-368-2532 [email protected]
BROOKLYN PK FAC – Jonell Wilson 651-282-4055 or Cellular 612-382-4181 [email protected]
CAMP RIPLEY FAC – Tami Klucas 320-616-3117/3119 or Cellular 320-412-6068 [email protected]
DETROIT LAKES FAC – Mark Sjostrom 651-268-8282 or Cellular 612-281-0548 [email protected]
DULUTH FAC – Nadine Wells 651-268-4053 or Cellular 218-310-6546 [email protected]
MANKATO FAC – Patrick Corrow 651-268-8413 or Cellular 507-382-8252 [email protected]
MARSHALL FAC – Jeff Gay 651-268-8475 or Cellular 651-280-8894 [email protected]
ROCHESTER FAC – Vern Truax / Pat Corrow 651-268-8587
[email protected] or [email protected]
ROSEMOUNT FAC – Vern Truax / Christina Rost 651-282-4748 / 4049 [email protected] or [email protected]
ANG – DULUTH WING – Jennifer Kuhlman 218-788-7833 or Cellular 218-349-5575 [email protected]
ANG – MINNEAPOLIS WING – Jill Lawrence 612-713-2367 or Cellular 763-438-6005 jill.lawrence@ ang.af.mil
USAFR – 194TH
AIR WING – MINNEAPOLIS 612-713-1516 / 1517 [email protected]
SERVICING ALL BRANCHES!
ACTIVE DUTY, GUARD, RESERVE & RETIRED
“It is extremely important to keep troops everywhere aware of how important their families are, and to remind them that folks up the ladder care about them and their families.” ~ SMA George W. Dunaway
TOLL FREE FAC NUMBER
888-234-1274
Baxter the
FACster
has more
news 4 U! IN THIS ISSUE:
BUDGETING (Holiday’s ‘r Draining)
TRICARE UPDATE READING YOUR EOB’S (Explanation of Benefits)
Ask Baxter the FACster…
And lots more!!!!!!!!!!
UPCOMING EVENTS
STRONG BONDS
Operation Welcome Home When: April 26-28, 2013 Where: Ironwood Springs Christian Ranch, Stewartville About: Faith-based weekend to provide encouragement, hope and inspiration to veterans and their spouses.
Strong Bonds – Married Couples When: May 17-19, 2013 Where: Metro Area About: This unit-based, chaplain-led program strengthens the Army family through relationship education and skills training. This retreat is designed to strengthen relationships, inspire hope and rekindle marriages.
For more information about Strong Bonds events contact: SFC Hickory Smith at 651-282-4287 or e-mail SFC smith at: [email protected] or www.btyr.org/strong-bonds-marriage-retreats
REGIONAL YELLOW RIBBON SUMMITS
What is a Yellow Ribbon Summit? Essentially YR Summits are meant to bring together the YR core or steering committee members to discuss how things are working correctly or not working at all. It is a networking event and a sharing of ideas.
Apr 6 - Mankato, Registration closes Mar 23
Apr 21 - Moorhead, Registration closes Apr 20
May 4 - Duluth, Registration closes TBA
Jun 1 – St Cloud, Registration closes TBA
UPCOMING RISFAC
Regional Inter-Service Family Assistance Committees
are comprised of various local business, military, service organizations, educators, CVSO, law enforcement and volunteers. Everyone is welcome to attend and the next RISFAC for south and central MN is scheduled for noon on April 8
th. You may visit your local armory to
attend via Video Tele-Conference or you may dial in from your desk or home. For more information please call the Marshall (651-268-8475) or Mankato (657-2568-8413) FAC’s.
YOUTH EVENTS/CAMPS
It's that time of year to start thinking about summer fun in the sun and getting your kids to camp. Operation Purple Camp is back this summer! You can find more details on the flyer and register for camp today at www.militaryfamily.org. There are spots for 100 youth, and the spots fill up quickly.
The National Military Family Association’s Operation
Purple
camps offer a free week of fun for military kids with parents who have been, are currently, or will be deployed. Visit www.MilitaryFamily.org for registration information or additional locations and dates.
WHERE: Catholic Youth Camp; McGregor, MN WHEN: JUNE 30 - JULY 5, 2013
You may also contact Mrs. Laura Groeneweg, Lead Child and Youth Program Coordinator, at 651.268.8695 or by e-mail to [email protected]
The most important number for you to remember is your local FAC’s number or
888-234-1274
ASK BAXTER
THE FACster!
There’s no question too tough! (or, let me get back to you on that!)
Q: “How do we know which FAC to call with an
issue and what issues can you help with?”
A: Wow! That’s a really easy question for me this time, there are a couple ways to contact the “correct” FAC for your questions.
i. Just call 888-234-1274 and at the numbered prompts choose the one which is closest to where you live.
ii. Call any FAC on the list and they can either assist you or will guide you to the one nearest to where yo live.
iii. Call your local unit and ask them who the servicing FAC for your area.
In reality it really doesn’t matter which one you call because when you call one you get all of us! We talk pretty much daily to one another as we each possess various different backgrounds and use these together as our strength.
AS far as what we can help with? Well, you ask us a question and if we have not already encountered it we will research it to bring you the best possible resource for the resolve of your issue.
REMEMBER! Everything we discuss or do IS CONFIDENTIAL. We do not share any of this information outside our offices and WE ARE NOT in the
military chain of command so therefore we only share information if it’s a “Duty To Warn” issue.
I hope that this answers your question. Our phones are essentially 24/7 including weekends.
“The more we get the spouses and families involved, the healthier the Army becomes.” ~ SMA Julius W. Gates
THINGS TO REMEMBER
It’s been said that “Behind every great man there's a great woman” (ancient proverb). Well, this proverb does hold a modicum of truth as mothers and wives or even girlfriends generally use information differently than do their male counterparts. Us guys may be “THE HUNTERS” but mom’s and wives are definitely “THE GATHERERS”, especially when it comes to retaining
important information provided at briefings.
OK, take that however you wish but use this list that which has been “gathered” for you…
Up to date information is needed for the Service Member (SM) to receive all benefits due him/her and their Families. It’s important that the unit has current information on file to update several items in the SM’s record.
IF YOU MOVE – Provide your unit with:
New address
Phone
IF YOU MARRY – Provide your unit with:
Spouses birth certificate
Spouses SSN Card
Spouses State Driver’s License
Marriage Certificate
If you have TRICARE insurance spouse must be enrolled into the program as soon as possible
BIRTH OR ADOPT A CHILD – Provide your unit with:
Child’s Birth Certificate
Child’s SSN Card
If Mother and Father are not married: o DHS Recognition of Parentage form o Form must be signed & notarized by
each parent o Court order of custody/support
Certified adoption certificate
If you have TRICARE insurance you must enroll the child into the program within 60 days of birth (However, the child must first be enrolled in DEERS in order to be eligible for TRICARE)
IF YOU DIVORCE – Provide your unit with:
Copy of the Court order (divorce decree)
DEATH OF A DEPENDENT – Provide your unit with:
Copy of certified Certificate of Death
GETTING A NEW CAC CARD OR DEPENDENT I.D.
Locate your nearest DEERS site by calling your local FAC
Each site hosts their own hours of operation
Be sure you call ahead for an appointment or to make sure that the DEERS Operator is on hand
If you are military you need to complete the DD form 1172 and be sure to have any supporting documentation with you
If you are a military dependent you must: o Have sponsor accompany you or have a
completed DD form 1172 o Have supporting documents with you
Marriage Certificate Birth Certificate SSN Card 2 forms of proper Identification
(must all be originals – no copy)
State Driver’s License
State or Federal Issued card such as SSN Card or old Military ID card
School ID
Birth Certificate Military orders (if sponsor is on
Active Duty orders or AGR) Recognition of Parentage (If
Applicable) o Smile for the camera!
Rule of thumb is that no ID card will be issued until the child is age 10 or more. An exception may be granted if:
o Child is in custodial custody of other than the sponsor (former spouse, parents, caregiver, etc.) and living at another address
CARD EXAMPLES:
MILITARY CAC ACTIVE DUTY DEPENDENTS
RESERVE DEPENDENTS
SOME MISCELLANEOUS ITEMS:
IRS form W4 must be changed if you wish to change your deduction number
Adding a dependent and getting information to your unit may affect your pay when on AD for training or deployment
Failing to provide the information change may affect your pay and your benefits as well as that of your dependents, if you have them.
Review your SGLI & DD 93, change as needed
“The taxpayer - that's someone who works for the federal government but doesn't have to take the civil service examination.” ~ Ronald Reagan
TAX TIME COMETH!
OK, maybe it’s not quite tax time yet but it’s time to begin thinking about it…
There are changes in the tax laws that you need to be aware of. Be sure to contact
your tax preparer concerning any changes. If you do your own tax preparation
you may consider using the below numbers to get the right answer! You may also go on-line for answers, the websites are in the table below Making that call to get the right answers may just make all the difference in the world for you!
IRS MINNESOTA REVENUE Q&A – 800-829-1040 Forms – 800-829-3676 TeleTax – 800-829-4477 TTY – 800-829-4059
www.irs.gov
Income Tax – 800-652-9094 Automated – 800-657-3676 Withholding – 800-657-3594 Collections – 800-657-3909
www.taxes.state.mn.us
There are tax services providing military members and families with reduced cost or FREE preparation. There
are also several types of software that make it easy to do it yourself, but, if you have anything unique with your taxes you may want to have them done professionally to ensure that you get everything that you are due. Another source you can tap is Military One Source (www.militaryonesource.com or 800-342-9647).
IMPORTANT: Make sure your tax preparer is familiar
with the nuances involved with military deductions.
For information concerning who is providing TAX services for military Families, please contact your local FAC!
PLANNING TODAY MAKE$
AN EA$IER TOMORROW!
I have heard all the excuses; used most of them myself. “Budgeting is too hard.” “I forget to write stuff down.” “Do I really have to?” Budgeting is NOT that hard. You can do this. Take
a deep breath and exhale slowly through the mouth.
MAKE THE MOST OF YOUR MONEY
The Military and Family Life Counselor (MFLC) Program includes Personal Financial Counseling (PFC) to help you and your family manage finances, resolve financial problems and reach long-term goals such as getting an education, buying a home and planning for retirement.
SUPPORT AND COUNSELING SERVICES
Confidential financial consultations for individuals and families
Referrals to military and community resources
Support for family members during deployment
Help with credit management and budgeting
Help navigating benefits
TRAINING AND WORKSHOPS
Money Management
Budgeting and Developing Spending Plans
Debt and Credit Card Management
Consumer Rights and Obligations (dealing with creditors)
Financial Planning: Reaching Life Goals
Financial Readiness and Economic Security
Financial Readiness for Deployment
Transitioning to Civilian Life
Home Buying
Understanding Mortgages
Preventing Foreclosure
Kids and Money: Raising Financially Savvy Kids
Military Benefits, Pay and Entitlements
Savings and Investments
Retirement Planning
Estate Planning
Taxes
PFC services are no cost, they are private and they are confidential. Your contact is:
Lisa McLain-Sharp, MBA AFC Minnesota JFSAP Personal Financial Counselor
8180 Belden Boulevard - Cottage Grove MN 55016
Or my may contact your local FAC for more information concerning budgets and money matters.
See pages 11 & 12 for a simple budget calculator to help you get started!
AS you have already probably heard TRICARE will be administered by a different provider beginning April 1
st. Above is the new logo for United Healthcare Military
& Veteran/TRICARE.
The previous website and contacts will change as this takes effect. More information will be provided as we receive it and it will be passed on to you via e-mail and in your FAC Facts. If you have any questions or issues please be sure to contact your nearest FAC, we are staying on top of this to help make the transition easier and more seamless. The new website will be www.uhcmilitarywest.com but it will not fully be functional until after April 1
st.
THE FOLLOWING TRICARE MEDICAL INSURANCE INFORMATION IS PROVIDED ON THE DIRECTION OF COL JOSEPH T. BURNS, STATE SURGEON.
1. BLUF: Effective 1 April 2013, United Healthcare
Military & Veterans. (UHMV) will administer TRICARE medical insurance benefits in the TRICARE West geographical region. NOTE THAT
THIS CHANGE DOES *NOT* AFFECT ANY OF THE TRICARE DENTAL INSURANCE PLANS OR ENROLLEES. Please read the following information carefully since the upcoming changes will have varying impact based on which TRICARE medical insurance program you are enrolled in, where you live, and your military status.
(For those of you have never used the term “BLUF:” in correspondence it means “Bottom Line Up Front”)
2. WHOM THIS CHANGE AFFECTS: This change
affects all TRICARE medical insurance eligible and currently-enrolled service members, and eligible dependent family members who have Homes of Record (HOR), per the Defense Enrollment Eligibility Reporting System (DEERS), in the TRICARE West geographical region. The West region is comprised of Alaska, Arizona, California, Colorado, Hawaii, Idaho, Iowa (less Rock Island Arsenal area), Kansas, Minnesota, Missouri (less St. Louis area), Montana, Nebraska, Nevada, New Mexico, North Dakota, Oregon, South Dakota, a portion of Texas, Utah, Washington, and Wyoming. This change does *not* affect service members or eligible dependents with HORs located in other TRICARE geographical regions per DEERS (note that Wisconsin is *not* part of the TRICARE West region).
3. WHAT SERVICE MEMBERS AND ELIGIBLE DEPENDENTS CAN EXPECT, AND ACTIONS THEY SHOULD TAKE:
a. More detailed information relating to the transition is available at the UHMV website: www.uhcmilitarywest.com/
b. UHMV has begun mailing hardcopy information/welcome packets and new enrollment cards to existing enrollees, as well as sending emails to enrollees entitled "TRICARE Enrollment Card Notification." Service members and dependents should check their HOR mail and monitor their email addresses on file with TRICARE. Service members and dependents can also log into MilConnect to download new enrollment cards at the "E-Correspondence" tab at http://milconnect.dmdc.mil.
c. IMPORTANT: PREMIUM-PAYING TRICARE ENROLLEES (E.G. TRICARE RESERVE SELECT, TRICARE STANDARD, TRICARE YOUNG ADULT, ETC.) *MUST* RE-REGISTER, BY MAIL OR FAX, THEIR ELECTRONIC PAYMENTS WITH UHMV NOT LATER THAN 10 MARCH 2013 using the
attached form, also available at the UHMV website. Lapsed accounts will trigger disenrollment and program lock-out for one year, subject to reinstatement consideration. THIS REQUIREMENT DOES NOT PERTAIN TO ACTIVE GUARD RESERVE (AGR) OR LONG-TERM ACTIVE DUTY FOR OPERATIONAL SUPPORT (ADOS) MEMBERS SINCE THEIR
TRICARE COVERAGE INCURS NO PREMIUMS.
d. TRICARE medical programs, benefits, premiums, co-pays, and enrollment eligibility criteria *do not* change with this transition.
e. Though the majority of TRICARE network providers under the outgoing TRIWEST Healthcare Alliance network are expected to maintain network status under UHMV administration, some providers may opt not to. Therefore, all beneficiaries should be proactive in inquiring with their Primary Care Managers (PCM), and any specialists they're seeing, to ensure no interruption of service or coverage. In some cases, beneficiaries will have to change providers. UHMV will post a provider directory to its website after 5 March 2013.
f. Certain existing TRIWEST pre-authorizations will be honored
g. beyond the 1 April 2013 transition date. See the UHMV website for more details.
h. Beneficiaries should continue using their existing TRIWEST
i. insurance cards for all appointments and services through 31 March 2013 to ensure proper routing for billing/claims purposes.
j. Beginning 1 April 2013, beneficiaries should:
i. begin using their new UHMV insurance cards for all medical appointments and services,
ii. ensure providers are aware of new billing phone numbers and addresses per the UHMV enrollment cards, and
iii. stop using old TRIWEST medical enrollment cards.
k. Following the 1 April 2013 transition date, beneficiaries need to re-register under UHMV to view claims, authorizations, and Explanation of Benefits (EOB) documents online. More information will be available in the upcoming weeks on the UHMV website.
4. POC at the Office of the State Surgeon is SFC Patrick Nietfeld at [email protected].
FOR THE ADJUTANT GENERAL:
JOSEPH T. BURNS - COL, MC, MNNG - State Surgeon
READING YOUR E.O.B.
I’m sure you have all received a form from your
insurance company, not just TRIWEST, that has in bold
letters, “THIS IS NOT A BILL” on the top of it.
Yup! So have I… I would see the “This Is Not A Bill”
notice and think to myself, “Wow! This is a good thing!!!!!” and then toss it in the garbage. I was uneducated as to the importance of this document until I had a major surgery and my wife, who works with insurance claims, explained it to me…
These are called an Explanation of Benefits (EOB). Once I learned how to read this I began questioning my medical bills and calling on my insurance company and my medical provider to check the bill for mistakes in procedure codes, over charges and balance billing procedures. It would be prudent to keep this in a file or 3-ring binder for future reference if needed…
GO
ON-LINE &
CHECK IT
OUT!
Get the job you want! Go on-line to “http://h2h.jobs”
HUMOROUS QUOTE: “One of the serious problems in planning the fight against American doctrine is that the Americans do not read their manuals, nor do they feel any obligation to follow their doctrine...”
- From a Soviet Junior Lt's Notebook
STATEWIDE FAMILY READINESS SUPPORT TEAM
Carmen Brunsvold 84
TH Troop Command
FRSA Montevideo
651-268-8388
Lillian “Lil” Forseth 34
th CAB
FRSA St Paul
651-282-4519
Lynda.Schlukebier 34
th Division FRSA
Inver Grove Heights 651-282-4231
Carolyn Ashworth BCT
FRSA Bloomington 651-282-4137
Christy House 1/94
th CAV
FRSA Duluth
651-282-4091
Madelyn Lewis 347
TH RSG
FRSA Roseville
651-268-8090
Jan Fournier State Family Programs
Senior FRSA Cottage Grove 651-282-4208
FRSA “Family Readiness Support Assistant”
“FAC Facts” is a collaborative effort to provide important, up to the moment information for Families & Service
Members. This information is compiled by the Marshall FAC for publication. You may contact us at 651-268-8475, or e-Mail to [email protected] or Military Family Assistance Center; 500 Timmerman Drive; Marshall, MN 56258
April is the Month of the Military Child April is Month of the Military Child (MOMC) and was first celebrated in April 1986 under former Secretary of Defense Caspar Weinberger. The MOMC recognizes military children and youth for the sacrifices they make so their parents can serve our Nation. In addition, it reinforces to military children and youth that they play an integral role in supporting their Service Member.
Ways to recognize youth during MOMC:
1. Encourage your child to write a poem about being a military child! Enter the Poetry Contest. Senator Franken is hosting his 2nd Annual Poetry contest in April. Youth can submit their entries by April 10th.
2. Sign up for a letter from Governor Dayton! Youth Programs partnered with MDVA, American Legion, and the Governor's office to create a site for parents to sign their child up to receive a personalized letter from the Governor thanking those youth for their sacrifice. Go to www.mdva.state.mn.us/child/index.htm to request a letter.
3. Wear purple on April 15th! Purple Up is another way the community and schools can show support during April. Communities and schools are encouraged to wear purple on April 15 to show their support.
4. Have your child take the Governor's Proclamation to school to share in class. Governor Dayton and staff are committed to recognizing Military connected youth and drafted a proclamation for Month of the Military Child.
For further guidance, please contact Mrs. Laura Groeneweg – Lead Child and Youth Program Coordinator 651.268.8695 – [email protected] or you may contact your local FAC office…
Minnesota Military Teen Panel Presents:
"Hidden Heroes: You Don't have to be Super to be a Hero" Teen Summit 2013
What: 2013 Minnesota Military Teen Summit When: June 23-25, 2013 Who: Military Connected Teens Ages 13-18 Years Old. Space is limited to first 50 Teens! Location: North Metro Area Hotel Deadline: Registration deadline is June 5th
Service Members are our nation's visible heroes, but what about the hidden heroes who stand behind them? We
believe that our military teens are heroes too! We want teens to come and meet other heroes just like them, while learning and having fun! A national speaker will kick off this year's Summit, where teens will attend leadership workshops, while connecting with other teens whose family members are in the military.
Participate in:
- Community Service Project - Workshops (Military 101, Teambuilding and more!) - Grand Slam Outing - Connect With Other Military Teens
OMK Program Fee: $20/youth. This fee can be waived upon request. To request a fee waiver, you MUST e-mail BEFORE registering ([email protected]) to receive a Fee Waiver Code. This nominal fee defrays expenditures not covered or allowed by the OMK grant (i.e. water bottle, fun outing, etc). Families will incur no other retreat fees.
Registration deadline is June 5th
Promotional Videos:
Super Hero https://netfiles.umn.edu/users/runk0014/Teen%20Summit%202013/Teen%20Summit%20Video%202013%20-%20Super%20Hero.mov
I Can Be Your Hero https://netfiles.umn.edu/users/runk0014/Teen%20Summit%202013/Teen%20Summit%20Video%202013%20-%20I%20Can%20Be%20Your%20Hero.mov
For more information, please contact Laura Groeneweg (National Guard State Youth Coordinator) at [email protected] or Amber Greeley (MN Operation: Military Kids Program Specialist) at [email protected].
Registration Forms can also be found at: www.operationmilitarykids.org (MN) or www.BeyondTheYellowRibbon.org. You may also contact your local Family Assistance Center or FRSA.
Registration deadline is June 5
th!
Kid Stuff Koloring, Gamez and FUN
Earth Day Information and Facts for Kids
www.earthday.gov/kids.htm
For crafts and games, go to:
http://holidays.kaboose.com/earthday-activities.html
Helpful Hints for Planet Earth, Lessons, a Book and a
quiz! Lots pictures!
www.pocanticohills.org/earthday/earthday.htm
I pledge allegiance;
to the flag of the
United States of America;
and to the Republic for which
it stands;
one Nation;
under God;
with Liberty and
Justice for all
Love your planet!
Recycle & Reuse…
For more Earth Day information and history
go on-line to:
http://teacher.scholastic.com/scholasticnews/indepth/earthday/articles/index.asp?article=history&topic=0
LOVE OUR EARTH AND BE
KIND TO IT, IT’S THE ONLY
ONE WE HAVE…
Write what you want to do to help make our planet a better place to live!
Go to: www.kidsarus.org/go4it/opportunities/competitions/arborday.htm for more information!
FAMILY AND PERSONAL
BUDGET INCOME/EXPENSE WORKSHEET
Use the below worksheets to record and estimate your monthly income vs. your monthly expenses. Use this as a guide to planning your month to month spending. You should be able to determine, by this, if there are areas where you would be able to reduce spending or, in the case of the loans or savings, spend additional money. If you do so you should be able to maintain a positive cash flow for you and/or your family.
This simple budget sheet is provided as a courtesy of your Marshall Family Assistance Center
This expense accounting includes budget-line items for the following: 1. Family Income 2. Housing Expenses 3. Transportation Expenses 4. Family Care Expenses
5. Living Expenses 6. Family Entertainment Expenses 7. Other Obligations 8. Savings / Retirement Funds
GROUP A GROUP B
IDENTIFY INCOME SOURCES FIXED MONTHLY HOUSING EXPENSES
Self Spouse Amount Date Due
Employment Income 1 Mortgage (w/escrow, Property Tax)
Employment Income 2 Rent
Employment Income 3 Heating (Fuel)
Employment Income 4 Telephone (Land Line 1)
Social Security Payments Telephone (Land Line 2)
Alimony Payments Telephone (Cellular 1)
Child Support Payments Telephone (Cellular 2)
Gov’t Support Payments Electricity
Investment Income Water/Sewer
Savings Garbage
Other Income Cable/Satellite Television
Rental Property Storage Unit Rental
Homeowner / Renter Insurance
Association Dues
Internet Access
TOTAL / MONTH TOTAL / MONTH
GROUP C GROUP D
MONTHLY TRANSPORTATION EXPENSES FAMILY CARE EXPENSES
Amount Date Due Amount Date Due
Auto Loan Payment 1 Health Insurance
Auto Loan Payment 2 Life Insurance
Auto Loan Payment 3 Disability Insurance
Automobile Insurance Doctor / Hospital Costs
Gas / Oil Dental / Orthodontic Costs
Maintenance Medicine
License Over-the-Counter Medication
Parking Fees Child Care
Public Transportation Fees Elder Care
Toll Fees Health Club Dues
Vehicle Maintenance Costs Veterinarian Costs
TOTAL / MONTH TOTAL / MONTH
GROUP E GROUP F
MONTHLY LIVING EXPENSE EXPENSES FAMILY ENTERTAINMENT EXPENSES
Amount Amount
Essential Groceries Dining Out
Non-Essential Groceries Movies Out
Snack’s / Coffee / Bakery Goods Other Outside Entertainment
Food Supplements Movie Rentals
Home Living Supplies Entertainment Related Purchases
Work/School Related Lunches Tobacco Products/Liquor
Pet Food Lottery Tickets
Clothing (Adult and Children) Casino & Other Gambling
Clothing (Work / Uniform) Birthday & Anniversary Party Expenses
Education Expenses (Tuition, Books, Fees, etc.) Holiday Expenses
House Cleaning Services Weekend / Day Trips
Lawn & Grounds Maintenance Vacation Travel
Postage / Shipping Vehicle Rental
Scholastic-Education
TOTAL / MONTH TOTAL / MONTH
GROUP G GROUP H
MONTHLY OBLIGATIONS MONTHLY SAVINGS DEPOSITS
Amount Amount
Credit Card Payment 1 401K Contributions
Credit Card Payment 2 IRA Contributions
Credit Card Payment 3 Monthly Investment Deposits
Credit Card Payment 4 College Savings Deposits
Student Loan Payment Retirement Savings Deposits
Home Equity Loan / Line Payments General Savings Deposits
Personal Loan Payment 1 Christmas Club Deposits
Personal Loan Payment 2
Spousal / Child Support Payments
Other Support Payments
Liens or Judgments
Other Property Taxes
Charitable Donations (Include Church)
TOTAL / MONTH TOTAL / MONTH
CALCULATIONS
IDENTIFY INCOME SOURCES
INCOME DEBT
GROUP A (Income)
GROUP B (Debt)
GROUP C (Debt)
GROUP D (Debt)
GROUP E (Debt)
GROUP F (Debt)
GROUP G (Debt)
GROUP H (Debt)
TOTAL AMOUNTS
TOTAL INCOME
(MINUS) TOTAL DEBT
+/- MONTH END BALANCE
[FAMILY_BUDGET.doc]