************************** 
Proposed Budget break-down
**************************
Purpose of our Prosper loan request in the amount of $25,000
 
1.	$25,000 will improve our credit scores within weeks and we will be able to refinance our home at a lower rate and save money. We already have the appraisal.
2.	To pay off all old debt and payday loans. 
3.	Complete our renovations and get a better value when we refinance our commercial building. We have reconfigured the floor plan to be more user and customer friendly with better access to storage areas. Also updating the electric and replacing the roof. The deck will include a handicap ramp also making our deliveries much easier. This refinance would take place mid to late September. 
4.	Savings will actually stay in savings. 
5.	A slush fund will be in place for emergencies. 

Yearly Gross Sales, Services = $450,000 

Business Monthly expenses:
Cleaning service = $250
Mortgage = $1,700
Electric utility = $445
Cell/Phone/Fax/Internet = $270 
TV c-band satellite = $25
Sales tax (no food tax) = $320
Property Taxes = $250
Business/ Vehicle/Property Insurance = $200
Work truck/fuel/maintenance = $300
Delivery van/fuel/maintenance = $500
Cost of goods sold (inventory purchases) = $15,000
Sub-Contractors = $8,000
Bank fees/merchant credit/debit card processing services = $250
Advertising/Memberships (BBB) = $100
Bookkeeper/Accountant = $100
Health Insurance = $200
Trash/port-a-potty $150
Sub-Total $28,060 

Personal Monthly Expenses:
Mortgage = $2,775 ($645.00 paid weekly)
Electric utility = $85
Propane/firewood = $50
Property taxes = $50
Phone/Internet = $100 
TV c-band satellite = $25
Groceries/personal care/clothing = $700 (we own the store)
Home insurance = $100
Sub-Total $3,885

Monthly Gross Sales, Service = $37,500 
Total of Monthly Expenses = $31,945
Monthly Net = $5,555
Savings = $1,500 
Slush fund for emergencies $1,500 
Total available to go toward my Prosper loan = $2,155