1. Pay
   1. gross
      1. total
         1. earned
      2. calculated
         1. hrs x wages
         2. salary
   2. net
      1. home
         1. deductions
            1. taxes
            2. federal
            3. state
            4. health
            5. retirement
            6. Soc. Sec.
            7. *union dues
      2. 20-30%
2. Expenses
   1. Fixed
      1. bills
         1. rent
         2. mortgage
         3. insurance
         4. phone
   2. Variable
      1. fluctuating
         1. food
         2. gas
         3. entertainment
         4. utilities
            1. water
            2. gas
3. Planning
   1. Goals
      1. short-term
         1. monthly
      2. long-term
         1. year+
   2. Income
      1. Estimate
         1. year
         2. month
   3. Expenses
      1. list
      2. savings
         1. year
   4. Savings
      1. Plan
      2. Categorise
   5. Balancing
      1. Variance?
         1. difference
            1. planned
            2. actual
      2. Adjust
4. Computer
   1. spreadsheet
      1. MS Excel
      2. Open Office
   2. online
      1. Gdocs
      2. daveramsey.com
      3. Crown.org
      4. geezeo.com
      5. mint.com