The forms below should be helpful in providing clarity and outlining the key issues you need to know. For further information, refer to the books section.

Please note that the files below require the latest version of Adobe® Acrobat® Reader®. You can download a free version of this software here.

Copyright 2015, Douglas Gray, LL.B. All rights reserved. This material cannot be duplicated for commercial purposes without the prior written consent of the author please contact us for permission

Personal Cost Of Living Budget

Personal Net Worth Statement

Calculating Your GDS Ratio

Calculating Your TDS Ratio

Projected Cash Flow

Income and Expense Statement

Income Approach Worksheet