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...Your money makeover budgeting worksheet fill in incomeexpense amounts the boxes shaded orange spreadsheet will automatically calculate rest for you income monthly net spendable expenses housing payments rent or mortgage utilities gas water energy set aside each month cable phone internet annual insurance repairs taxes total car loan payment s future andor unexpected maintenance debts other balance credit card debt student miscellaneous cell church tithes offeringscharitable groceries meals out childcare school tuitionsupplies medical bills and copaysprescription pet supplies vet exams homeowner associate fitness entertainment video rentals etc club dues newspaper magazine subscriptions clothing haircuts gifts cash expense totals surplus shortage...