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.
Well, let‘s take a look at your situation. What level are your athletes or clients at? New athletes or clients probably would not benefit from percentages as much as more advanced clients, as they need to learn how to perform the lift correctly first and foremost. Second, a new client will adapt to the exercise so fast that by the next time you perform the exercise, their 1 rep max may be out of date and thus their percentages would be incorrect (if they used to bench 100lbs, but after 2 workouts they can bench 110lbs, that 60% you have them working out as now too low to cause the adaptation you are looking for).