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1-page pamphlet adjustments afford Agricultural Research Service allocate Amount to save assets balloon payment basic budget period Check Clothing expenses consider Cooperative Extension Service Cost of Raising couple decide Department of Agriculture determine downpayment energy Family Economics Research FDA Consumer Federal Federal Trade Commission fees financial goals financial plan fixed expenses flexible expenses food plan funds Graduated Payment Mortgage Guide HHS Publication Homeownership household income household members household operation Household Type housing immediate goals important increase interest rate intermediate goals investment LC or MC lenders loan Long-term goals MCorL Miscellaneous Publication 1411 money management plan month Monthly Expense Record monthly payments mortgage payments parents percent purchase Raising a Child Reprinted from FDA set-asides spending thrifty TorLC T*orLC total cost transportation U.S. Department U.S. Government Printing USDA Estimates utilities WEIGHT LESS worksheet worth statement