Beruflich Dokumente
Kultur Dokumente
[42]
[42]
Summary
Total Income Total Expenses NET (Income - Expenses) Adjustment to Savings Spending Balance Savings Balance
Negative NET
Jan
2,100 1,975 125 700 950
Feb
2,100 2,155 (55) 645 1,100
Mar
2,100 2,015 85 730 1,250
Apr
2,100 2,035 65 795 1,400
May
2,100 1,885 215 1,010 1,550
Jun
2,100 2,240 (140) 870 1,950
Jul
2,100 2,050 50 920 2,100
Aug
2,100 1,950 150 1,070 2,250
Sep
2,100 1,991 109 1,179 2,400
Oct
2,100 2,125 (25) 1,154 2,800
Nov
2,100 2,065 35 1,189 2,950
Dec
2,100 2,335 (235) 954 3,350
Total
25,200 24,821 379 0
Avg
2,100 2,068 32 0
Positive NET
Spending Balance
Savings Balance
1,400 1,200 1,000 800 600 400 200 0 -200 -400 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
4,000 3,500
3,000
2,500 2,000 1,500
1,000
500 0 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
INCOME
Wages & Tips Interest Income Dividends Gifts Received Refunds/Reimbursements Other Transfer From Savings Total INCOME
Jan
2,100
Feb
2,100
Mar
2,100
Apr
2,100
May
2,100
Jun
2,100
Jul
2,100
Aug
2,100
Sep
2,100
Oct
2,100
Nov
2,100
Dec
2,100
Total
25,200 0 0 0 0 0 0
Avg
2,100 0 0 0 0 0 0 2,100
2,100
2,100
2,100
2,100
2,100
2,100
2,100
2,100
2,100
2,100
2,100
2,100
25,200
SAVINGS EXPENSE
To Savings Account To Emergency Fund To Retirement (401k, IRA)
Jan
150
Feb
150
Mar
150
Apr
150
May
150
Jun
150 200
Jul
150
Aug
150
Sep
150
Oct
150 200
Nov
150
Dec
150 200
Total
300 1,500 600
Avg
25 125 50
To Investments To College Savings Other Total SAVINGS EXPENSE % of Total Expenses 150 7.6% 150 7.0% 150 7.4% 150 7.4% 150 8.0% 400 17.9% 150 7.3% 150 7.7% 150 7.5% 400 18.8% 150 7.3% 400 17.1% 50 50 50
0 13 0 213 10.3%
HOME EXPENSES
Mortgage/Rent Electricity Gas/Oil Water/Sewer/Trash Phone Cable/Satellite Internet Furnishings/Appliances Lawn/Garden Home Supplies Maintenance Improvements Other Total HOME EXPENSES % of Total Expenses
Jan
1,250 50 200 95
Feb
1,250 45 185 95
Mar
1,250 45 150 95
Apr
1,250 50 90 95
May
1,250 60 50 95
Jun
1,250 100 45 95
Jul
1,250 150 30 95
Aug
1,250 175 30 95
Sep
1,250 140 56 95
Oct
1,250 70 80 95
Nov
1,250 50 120 95
Dec
1,250 50 190 95
Total
15,000 985 1,226 0 1,140 0 0 0 0 0 0 0 0
Avg
1,250 82 102 0 95 0 0 0 0 0 0 0 0 1,529 73.9%
1,595 80.8%
1,575 73.1%
1,540 76.4%
1,485 73.0%
1,455 77.2%
1,490 66.5%
1,525 74.4%
1,550 79.5%
1,541 77.4%
1,495 70.4%
1,515 73.4%
1,585 67.9%
18,351 73.9%
DAILY LIVING
Groceries Personal Supplies Clothing Cleaning Services Dining/Eating Out Dry Cleaning Salon/Barber Discretionary [Name 1] Discretionary [Name 2] Other Total DAILY LIVING % of Total Expenses
Jan
230
Feb
430
Mar
325
Apr
400
May
280
Jun
350
Jul
375
Aug
250
Sep
300
Oct
230
Nov
400
Dec
350
Total
3,920 0 0 0 0 0 0 0 0 0
Avg
327 0 0 0 0 0 0 0 0 0 327 15.8%
230 11.6%
430 20.0%
325 16.1%
400 19.7%
280 14.9%
350 15.6%
375 18.3%
250 12.8%
300 15.1%
230 10.8%
400 19.4%
350 15.0%
3,920 15.8%
CHILDREN
Medical Clothing School Tuition School Lunch School Supplies
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Total
0 0 0 0 0
Avg
0 0 0 0 0
Babysitting Toys/Games Other Total CHILDREN % of Total Expenses 0 0.0% 0 0.0% 0 0.0% 0 0.0% 0 0.0% 0 0.0% 0 0.0% 0 0.0% 0 0.0% 0 0.0% 0 0.0% 0 0.0%
0 0 0 0 0.0%
0 0 0 0 0.0%
TRANSPORTATION
Vehicle Payments Fuel Bus/Taxi/Train Fare Repairs Registration/License Other Total TRANSPORTATION % of Total Expenses
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Total
0 0 0 0 0 0
Avg
0 0 0 0 0 0 0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
HEALTH
Doctor/Dentist Medicine/Drugs Health Club Dues Emergency Other Total HEALTH % of Total Expenses
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Total
0 0 0 0 0
Avg
0 0 0 0 0 0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
INSURANCE
Auto Health Home/Rental Life Other Total INSURANCE % of Total Expenses
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Total
0 0 0 0 0
Avg
0 0 0 0 0 0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
EDUCATION
Tuition Books Music Lessons Other Total EDUCATION % of Total Expenses
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Total
0 0 0 0
Avg
0 0 0 0 0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
CHARITY/GIFTS
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Total
Avg
Gifts Given Charitable Donations Religious Donations Other Total CHARITY/GIFTS % of Total Expenses 0 0.0% 0 0.0% 0 0.0% 0 0.0% 0 0.0% 0 0.0% 0 0.0% 0 0.0% 0 0.0% 0 0.0% 0 0.0% 0 0.0%
0 0 0 0 0 0.0%
0 0 0 0 0 0.0%
OBLIGATIONS
Student Loan Other Loan Credit Card #1 Credit Card #2 Credit Card #3 Alimony/Child Support Federal Taxes State/Local Taxes Legal Fees Other Total OBLIGATIONS % of Total Expenses
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Total
0 0 0 0 0 0 0 0 0 0
Avg
0 0 0 0 0 0 0 0 0 0 0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
BUSINESS EXPENSE
Deductible Expenses Non-Deductible Expenses Other Other Total BUSINESS EXPENSE % of Total Expenses
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Total
0 0 0 0
Avg
0 0 0 0 0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
ENTERTAINMENT
Videos/DVDs Music Games Rentals Movies/Theater Concerts/Plays Books Hobbies Film/Photos Sports Outdoor Recreation Toys/Gadgets Other
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Total
0 0 0 0 0 0 0 0 0 0 0 0 0
Avg
0 0 0 0 0 0 0 0 0 0 0 0 0
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
{42}
0 0.0%
PETS
Food Medical Toys/Supplies Other Total PETS % of Total Expenses
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Total
0 0 0 0
Avg
0 0 0 0 0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
SUBSCRIPTIONS
Newspaper Magazines Dues Club Memberships Other Total SUBSCRIPTIONS % of Total Expenses
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Total
0 0 0 0 0
Avg
0 0 0 0 0 0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
VACATION
Travel Lodging Food Rental Car Entertainment Other Total VACATION % of Total Expenses [42]
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Total
0 0 0 0 0 0
Avg
0 0 0 0 0 0 0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
MISCELLANEOUS
Bank Fees Postage Other Other Other Total MISCELLANEOUS % of Total Expenses
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Total
0 0 0 0 0
Avg
0 0 0 0 0 0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
0 0.0%
Help
http://www.vertex42.com/ExcelTemplates/family-budget-planner.html
Intro
Step 1:
Step 2:
Step 3:
Adjustments to Savings
Step 4:
http://www.vertex42.com/ExcelTemplates/family-budget-planner.html
This budget spreadsheet is designed to help you create a budget for an entire year. Doing this can help you make predictions about your future finances. Define Budget Categories Edit the existing income and expense categories by changing the labels in the first column as needed, but do not remove the "Transfer from Savings" category in the Income table. If you add or remove a major category, you will need to edit the formulas in the Summary table (particularly the Total Expenses formula). If you need to add or insert rows/subcategories, make sure the Total and Average formulas are copied. Enter Your Beginning Balance Add the balances in your spending accounts (cash, checking) to come up with your beginning spending balance. Add the balances in your savings accounts and enter that sum as your beginning savings balance. If you wish to start with a month other than January, you can edit the column labels as needed. If you change the labels in the Summary table, the labels in the other tables will update automatically. Define Your Budget Using income and expense data from past receipts, balance statements, bills, pay stubs, and other information that you know about the coming year, fill in the budget amounts for each of the categories you have defined. Fixed and Variable Expenses For fixed expenses, such as rent or mortgage payments, enter the same amount in each month. For variable expenses such as utility bills, groceries, and birthday gifts, you can enter the estimated amounts in the months that they occur. Or, you can enter an estimated monthly average. Transfers To/From Savings
This template treats transfers TO savings as expenses, and transfers FROM savings as income. This makes sense if you think of an "expense" as money leaving your spending accounts and "income" as money entering your spending Adjustments to Savings Except for transfers to/from savings, this spreadsheet does not track changes to your savings accounts such as payments made directly from savings, interest earned, or gains/losses in investments. If you want the Savings Balance to reflect these types of changes, then use the Adjustments to Savings row in the Summary table. Analyze Your Budget Ideally, you want your Savings Balance to be increasing over time and you want to maintain a comfortable cushion in your Spending Balance. If you are noticing a consistent positive NET (a good thing), then you may want to allocate more towards savings. If you see a consistent negative NET, then you may need to make some budget cuts. Use the "% of Total Expenses" under each major expense category to help you determine where your money is going.