The first step in getting yourself in financial shape to buy a home is to know what you make and

what you spend now. List your income and expenses below.

 
Income
Take-Home Pay/All Family  
Members  
Child Support/Alimony  
Pension/Social Security  
Disability/Other Insurance  
Interest/Dividends  
Other  
Total Income  
Expenses  
Rent/Mortgage  
Life Insurance  
Health/Disability Insurance  
Vehicle Insurance  
Homeowners or Other Insurance  
Car Payments  
Other Loan Payments  
Savings/Pension Contribution  
Utilities  
Credit Card Payments  
Car Upkeep  
Clothing  
Personal Care Products  
Groceries  
Food Prepared Outside the Home  
Medical/Dental/Prescriptions  
Household Goods  
Recreation/Entertainment  
Child Care  
Education  
Charitable Donations  
Miscellaneous  
Total Expenses=  
Remaining Income After Expenses=