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The next thing to look at, what are the goals of the client? Many clients like personal trainers simply to help them work out, no specific goals but general overall fitness. For these clients, percentages are probably unnecessary as you as the trainer can monitor their intensity and effort by watching. If it is an athlete preparing for their sports, intensities will give you a great guideline to go by and allow you to accurately pick a weight for their work sets that will increase their potential for strength.

For each of the items listed, decide whether they are monthly, quarterly, or yearly, payments, then repeat the monthly amounts in all the columns that apply. For example, monthly payments will go in all 12 columns but quarterly in only in the four columns when payment is due. The next stage is for you to consider what other necessary expenditure will come out of your income every month. These other expenditure items probably do not show up as regular payments in the first stage, though individual payments may. These items may include food, household goods such as detergents, car maintenance, petrol (gasoline), and fares, which are essential to you, and you need to budget for each month.

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