Budget and Cash Flow Spreadsheet (CFS)

Step 1
Step 2
Step 3
Step 4
Step 5

1) Update the orange cell with the date of your simulation start date
2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
5) Make notes for yourself in the comments to help with establishing a routine or habit

Note: the Budget Challenge Budget and Cash Flow Tool is provided free of charge to participants of the the Budget Challenge Personal Finance Simulation and is intended only for use with this program

Date

Deposits

1/28/2016
1/29/2016
1/30/2016
1/31/2016
2/1/2016
2/2/2016
2/3/2016
2/4/2016
2/5/2016
2/6/2016
2/7/2016
2/8/2016
2/9/2016
2/10/2016
2/11/2016
2/12/2016
2/13/2016
2/14/2016
2/15/2016
2/16/2016
2/17/2016
2/18/2016
2/19/2016
2/20/2016
2/21/2016
2/22/2016
2/23/2016
2/24/2016
2/25/2016
2/26/2016
2/27/2016
2/28/2016
2/29/2016
3/1/2016
3/2/2016
3/3/2016
3/4/2016
3/5/2016
3/6/2016
3/7/2016
3/8/2016
3/9/2016
3/10/2016
3/11/2016
3/12/2016
3/13/2016
3/14/2016
3/15/2016
3/16/2016

Bank fees Apartment

Renter's
Ins

Car Loan

Car Ins

School
loan

Cable

Energy bill Cell Phone

Credit
Card

800.00
$ 610.00

10.00

$ 1,077.11
$ 610.00

$
$

15.00

54.22

$ 200.00
$

60.00

$ 650.00

$ 1,077.11
$

65.25

$ 395.93

$ 200.00

$ 195.00

$ 261.11
$ 200.00

10.00

$ 1,077.11

3/17/2016 1,077.11
3/18/2016
3/19/2016
3/20/2016
3/21/2016
3/22/2016
3/23/2016
3/24/2016
3/25/2016
3/26/2016
3/27/2016
3/28/2016
3/29/2016
3/30/2016
3/31/2016 $ 1,077.11
4/1/2016
$
4/2/2016
4/3/2016
4/4/2016
4/5/2016
4/6/2016
4/7/2016 $ 1,077.11
4/8/2016
4/9/2016
4/10/2016
4/11/2016
4/12/2016
4/13/2016
4/14/2016
4/15/2016
4/16/2016
4/17/2016
4/18/2016
4/19/2016

$ 200.00
$

$ 650.00
$

10.00

60.00

54.22

Withdrawals

Deposits

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

610.00
10.00
625.00
54.22
200.00
60.00
650.00
65.25
595.93
195.00
261.11
200.00
10.00
200.00
54.22
650.00
60.00
-

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

800.00
1,077.11
1,077.11
1,077.11
-

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

10.00
-

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

1,077.11
1,077.11
1,077.11
-

Checking
Acct Balance
$800.00
$190.00
$190.00
$190.00
$180.00
$180.00
$180.00
$1,257.11
$1,257.11
$632.11
$632.11
$577.89
$577.89
$577.89
$577.89
$377.89
$317.89
($332.11)
($332.11)
($332.11)
($332.11)
$745.00
$745.00
$679.75
$679.75
$83.82
($111.18)
($111.18)
($111.18)
($372.29)
($572.29)
($572.29)
($572.29)
($582.29)
($582.29)
$494.82
$494.82
$494.82
$294.82
$294.82
$240.60
$240.60
$240.60
$240.60
$240.60
$240.60
($409.40)
($469.40)
($469.40)
$607.71
$607.71
$607.71
$607.71
$607.71
$607.71
$607.71
$607.71
$607.71
$607.71
$607.71
$607.71
$607.71
$607.71
$1,684.82
$1,674.82
$1,674.82
$1,674.82
$1,674.82
$1,674.82
$1,674.82
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93

Comments

Date
4/20/2016
4/21/2016
4/22/2016
4/23/2016
4/24/2016
4/25/2016
4/26/2016
4/27/2016
4/28/2016
4/29/2016
4/30/2016
5/1/2016
5/2/2016
5/3/2016
5/4/2016
5/5/2016
5/6/2016
5/7/2016
5/8/2016
5/9/2016
5/10/2016
5/11/2016
5/12/2016
5/13/2016
5/14/2016
5/15/2016
5/16/2016
5/17/2016
5/18/2016
5/19/2016
5/20/2016
5/21/2016
5/22/2016
5/23/2016
5/24/2016
5/25/2016
5/26/2016
5/27/2016
5/28/2016
5/29/2016
5/30/2016
5/31/2016
6/1/2016
6/2/2016
6/3/2016
6/4/2016
6/5/2016
6/6/2016
6/7/2016
6/8/2016
6/9/2016
6/10/2016
6/11/2016
6/12/2016
6/13/2016
6/14/2016
6/15/2016
6/16/2016
6/17/2016
6/18/2016
6/19/2016
6/20/2016
6/21/2016
6/22/2016
6/23/2016
6/24/2016
6/25/2016
6/26/2016
6/27/2016
6/28/2016
6/29/2016
6/30/2016
7/1/2016
7/2/2016
7/3/2016
7/4/2016
7/5/2016
7/6/2016
7/7/2016
7/8/2016
7/9/2016
7/10/2016
7/11/2016
7/12/2016
7/13/2016
7/14/2016
7/15/2016
7/16/2016
7/17/2016
7/18/2016
7/19/2016

Deposits

Bank fees Apartment

Renter's
Ins

Car Loan

Car Ins

School
loan

Cable

Energy bill Cell Phone

Credit
Card

Withdrawals
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Deposits
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Checking
Acct Balance
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93

Comments

Date
7/20/2016
7/21/2016
7/22/2016
7/23/2016
7/24/2016
7/25/2016
7/26/2016
7/27/2016
7/28/2016
7/29/2016
7/30/2016
7/31/2016
8/1/2016
8/2/2016
8/3/2016
8/4/2016
8/5/2016
8/6/2016
8/7/2016
8/8/2016
8/9/2016
8/10/2016
8/11/2016
8/12/2016
8/13/2016
8/14/2016
8/15/2016
8/16/2016
8/17/2016
8/18/2016
8/19/2016
8/20/2016
8/21/2016
8/22/2016
8/23/2016
8/24/2016
8/25/2016
8/26/2016
8/27/2016
8/28/2016
8/29/2016
8/30/2016
8/31/2016
9/1/2016
9/2/2016
9/3/2016
9/4/2016
9/5/2016
9/6/2016
9/7/2016
9/8/2016
9/9/2016
9/10/2016
9/11/2016
9/12/2016
9/13/2016
9/14/2016
9/15/2016
9/16/2016
9/17/2016
9/18/2016
9/19/2016
9/20/2016
9/21/2016
9/22/2016
9/23/2016
9/24/2016
9/25/2016
9/26/2016
9/27/2016
9/28/2016
9/29/2016
9/30/2016
10/1/2016
10/2/2016
10/3/2016
10/4/2016
10/5/2016
10/6/2016
10/7/2016
10/8/2016
10/9/2016
10/10/2016
10/11/2016
10/12/2016
10/13/2016
10/14/2016
10/15/2016
10/16/2016
10/17/2016

Deposits

Bank fees Apartment

Renter's
Ins

Car Loan

Car Ins

School
loan

Cable

Energy bill Cell Phone

Credit
Card

Withdrawals
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Deposits
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Checking
Comments
Acct Balance
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93
$2,751.93 Password to unprotect sheet: BudgetChallenge