Create a Budget Sheet Terri has $350 and $ 1,100 in her checking and savings accounts, which she could use and expenses in an emergency. She has accumulated $9,000 in her 401k. Her home is currently valued at $130,000 and her car is worth $2,750. She has furniture worth $1,200, clothes worth $2,100; and $900 in other household items. She spent $2,500 on exercise and sporting equipment in the past few years but sees similar equipment on an on-line marketplace for $1,500. She also saw her memorabilia selling for $750, which is ridiculous! Some people just don't know what it's worth! She spent over $1,900 on her collection in the past couple years. She figures the prices have to return to that value eventually. As noted above, she has been accumulating some debt, too. She still owes $100,000 on her mortgage. She has paid her student loan down to $25,900 and her car loan down to $3,000. She is making payments on the standing balance of her credit card but the total balance still stands at $1,500. I