PERSONAL BALANCE SHEET               
                                                                                 Name: 
                                                                          As of (date): 
                                                                              Check If: Indivdual Financial Statement                     Joint Financial Statement with Spouse
                                    ASSETS                                                                                                LIABILITIES
                                    CURRENT ASSETS (Items owned to use/sell in a year)                                                    CURRENT DEBTS (Payable with 1 year)
                                                                                                                                          Loan Purpose                Interest Rate    Payment Amt        Lender
                                    Checking                                                $                                             Credit Card                                                                           $  
                                    Savings                                                 $                                             Credit Card                                                                           $  
                                    Stock/Bonds/CD's                                        $                                             Taxes Due - Income                                                                    $  
                                    Cash Value Life Insurance                               $                                             Other                                                                                 $  
                                    Other                                                   $                                             Other                                                                                 $  
                                    Other                                                   $                                                    Principal Portion of IT & LT Debts Due Within Next 12 Months $  
                                    Other:                                                  $                                                                                                             Accrued Interest $  
                                                       TOTAL CURRENT ASSETS $                                            -                                                           TOTAL CURRENT LIABILITIES  $                                       -   
                                    INTERMEDIATE ASSETS (Items owned with >1 yr life)                                                     INTERMEDIATE TERM DEBTS (Payable in 1-10 years)
                                                                                                                                          Loan Purpose                Interest Rate    Payment Amt        Lender
                                    Cash Value Life Insurance                               $                                             Vehicle Loan                                                                          $  
                                    Face Value Life Insurance                               $                                             Vehicle Loan                                                                          $  
                                    Vehicles (Make/Model)                                   $                                             Vehicle Loan                                                                          $  
                                                                                            $                                             Student Loan                                                                          $  
                                                                                            $                                             Other                                                                                 $  
                                    Other Equipment                                         $                                             Other                                                                                 $  
                                    Personal Property                                       $                                                                                                                                   $  
                                    Stock or Equity in Cooperatives                         $                                                                                                                                   $  
                                    Equity in Other Entities                                $                                                                                                                                   $  
                                    Retirement Accounts                                     $                                                                                                                                   $  
                                    Other:                                                  $                                                                                                                                   $  
                                    Other:                                                  $                                                                                                       Less Current Portion $  
                                                TOTAL INTERMEDIATE ASSETS $                                            -                                                      TOTAL INTERMEDIATE LIABILITIES  $                                       -   
                                    FIXED ASSETS (Perm. items owned - Real estate, etc.)                                                  LONG TERM DEBTS (Payable over 10 years)
                                    Home                                                    $                                             Loan Purpose                Interest Rate    Payment Amt        Lender
                                    Real Estate A                                           $                                             Home Mortgage                                                                         $  
                                    Real Estate B                                                                                         Real Estate
                                    Other:                                                  $                                             Other                                                                                 $  
                                    Other:                                                  $                                             Other                                                                                 $  
                                                            TOTAL FIXED ASSETS $                                            -                                                     TOTAL LONG-TERM LIABILITIES  $                                       -   
                                     TOTAL ASSETS (Curr+Int+Fixed)  $                                   -                                                     TOTAL LIABILITIES (Current+Int+Long)  $                               -   
                                                                                                                                                 EQUITY/NET WORTH                                  
                                                                                                                                                                                (Total Assets - Total Liabilities)  $                         -   
                                                                                                                                           EQUITY RATIO                                                                                   #DIV/0!
                                                                                                                                                                                             (Equity / Total Assets)