[Client Name]

Cricket Debt Counseling Session Information

Variable information per client goes here.
Based on the information in the budget you provided, here is your cash flow summary:
Your net monthly income: $769
Your monthly payment obligations*: $1,207
Falling behind: $438
*This includes monthly expenses.

Last seen: 1 day, 35 minutes ago

Reason(s) for financial situation: Job Loss, Underemployment Or Business Loss

Sent: Monday, Feb 24 at 11:17 am
Read: Monday, Feb 24 at 12:10 pm

How email counseling works:
* Email counseling is a series of email exchanges with a counselor.

Sent: Monday, Feb 24 at 11:17 am
Read: Monday, Feb 24 at 12:10 pm

LB

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Sent: Monday, Feb 24 at 12:36 pm
Read: Monday, Feb 24 at 12:38 pm

Budget Information

Financials entered by [Client Name/Counselor] on November 30, 12:40 pm.

Reason for financial difficulty: Job loss

Reason for considering bankruptcy: None given

Number in household: N/A

Edit Budget Information

Income

Income Type Source How Often Amount Per Month
Salary/wages from job Waitress Every two weeeks 285 618
Other income Cleaning Weekly 35 152
Totaly Monthly Income 769
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Expenses

Expenses Monthly Payment
Fixed Expenses
Rent 400
Car insurance
Car insurance but no transportation expense reported.		 175
Fixed Expenses Total 575
Variable Expenses
Electricity 95
Cable/satellite TV 100
Water/sewer 200
Natural gas 80
Cell phone 50
Variable Expenses Total 632
Expense Total 1207
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Categorized Expenses

Max Recommended Actual Amount
  % Amount % Amount
Housing 25% 192 52% 400
Transportation 15% 115 22.8% 175
Utilities 10% 77 52.3% 402
Electricity     12.4% 95
Natural gas     13% 100
Propane     - -
Heating oil     - -
Water/sewer     10.5% 80
Garbage     - -
Home phone     - -
Cell phone     6.5% 50
Cable/satellite TV     10% 77
Internet service     - -
Other utilities     - -
Food 10% 77 26% 200
Clothing 5% 38    
Medical 10% 77    
Personal 5% 38    
Entertainment   77    
Other 10% 77 26% 200
Unsecured debt payments     - -
Savings 10% 77 26% 200
Expense Total 100% 769 173.2% 1,332
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