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General Tips
- Except for customizing the categories, you normally only edit cells with a gray border:
This is an example
- Some of the labels include cell comments (marked with little red triangles) to provide
comment.
extra help information.
- You can add your own cell comments! This is especially useful in the Budget worksheet,
where you can create notes to explain irregular or variable expenses.
- If you see "#####" in a cell, widen the COLUMN to display the cell contents.
- This workbook uses a lot of conditional formatting. Look up "conditional formatting" in the
Excel help system (F1) if you want to know how it works.
- You can add a limited amount of security by password protecting your workbook, but that
can be easily bypassed by anyone with malicious intent. The security of your data is your
responsibility.
- Backup your file regularly to avoid losing data! Excel files DO get corrupted occasionally.
TIP: If you start each account name with a different letter, Excel's autocomplete feature
will make entering the account much faster for you.
Goals: The account list includes a place to list a Goal and the % column shows your progress
towards that goal. This may be useful for listing savings fund goals or check reserve amounts.
- For a Financial Year that does not start in January: Before entering your yearly budget,
go to the Report worksheet and enter the "Year Begins" date. This will update the month
labels in the Budget worksheet.
- You can copy and paste the input cells within the Budget worksheet as needed. For example,
enter an average fuel cost in January, then copy the value to other months.
- Use formulas to do basic calculations like "=245/6" to divide 245 by 6 or "=34*2" to multipy
34 by 2, or "=34+12+45" to add a bunch of numbers. Formulas are entered using the
equals "=" sign.
IMPORTANT: You must copy and paste entire rows when adding new rows, to ensure that all
the formatting, data validation, and formulas get copied correctly.
THE MOST COMMON ERROR is inserting a new row and forgetting to copy formulas down.
When you insert a blank row, some formatting is copied from the row above it automatically,
but formulas and data validation are not copied. You can press CTRL+d after inserting a new
row to quickly copy all formulas and formatting from the row immediately above.
Num: This column is usually used to list the check number, but you can also use it to enter
"DEP" for deposit, "TXFR" for transfer, "EFT" for electronic funds transfer, "ACH" for
Automated Clearing House transactions, etc.
Category: The Category field is essential to the functionality of this workbook. The Category
is a dropdown list that gets its info from the Categories worksheet.
The Category column uses conditional formatting to highlight the category PINK if the
category is not found in the Categories worksheet, BROWN if the category is not found in
the Yearly or Monthly worksheet, and GRAY if the category is blank, [Transfer], or [Balance].
If the formatting isn't copied correctly, you'll lose this double-check feature. So again, this
spreadsheet is not error-proof.
IMPORTANT: If you have chosen a category such as "Ted's Fund" and then later remove
"Ted's Fund" from the list in the Categories worksheet, it will not be changed in the Transactions
table automatically. You will need to make sure that you find all the records that have used
"Ted's Fund" as the Category and change them to something else.
Step 4-0: Delete the Sample Rows
TIP: Always leave the last row in the table BLANK so that you can easily add new rows. To
add new rows, select the last row of the table (row 57 in the image below) and drag the fill
handle down to copy the row down to create as many new rows as you need.
Tip: If you want to verify the total amount of the split transaction, you can do a quick
calculation off to the side of the table using an Excel formula, like "=SUM(H13:H15)"
NOTE: The above example assumes that the "payment" to your Credit Card is to pay off the
charges that you have already recorded earlier in the Transaction History table for the
CreditCard account. If you are NOT recording individual CreditCard transactions using the
Transactions worksheet, or part of the $150.00 was to pay down an outstanding debt, then a
credit card payment would look like one of the following, where "Credit Card #1" is a category
under Obligations.
Example 1: Not using Credit Card #1 any more, but still owe money on it.
ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT
Checking 1/1/10 Credit Card Credit Card #1 150.00
Example 2: A portion of a credit card payment used to pay down $25.00 of outstanding debt.
ACCOUNT DATE NUM PAYEE MEMO CATEGORY PAYMENT DEPOSIT
CreditCard 1/1/10 TXFR [From Checking] [Transfer] 150.00
Checking 1/1/10 TXFR [To CreditCard] Split [Transfer] 125.00
Checking 1/1/10 TXFR [To CreditCard] Split Credit Card #1 25.00
Original Transaction:
ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT
CreditCard 1/1/10 The Big Store Appliances 50.00
Budgeting for Known Future Expenses (e.g. car, holiday, vacation, etc.)
For large payments that are made once every few months or once a year, it is common to
estimate a monthly budget amount and transfer the monthly amount into a temporary
savings account so that you have enough money available when you need to pay the bill.
The transfers are recorded as expenses at the time the money is transferred as explained
above in the section "Recording a [Transfer] to SAVINGS."
If you are recording those transfers to savings each month as an expense, then what do
you do when it comes time to pay the bill? You don't want to record the expense twice.
1. Record the Transfer from Savings to Checking as a Credit to the Expense Category
ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT
Savings 6/1/14 TXFR [To Checking] [Transfer] 200.00
Checking 6/1/14 TXFR [From Savings] Insurance 200.00
In the above example, the actual payment of 198.00 was lower than the previously budgeted
total expense of 200.00, so you could end up seeing a value of -2.00 in the Actual column
of the report worksheet. This is similar to what you might see if you received a refund or
return for something you paid in a previous month.
Budgeting for Known Future Expenses - Without Transfers Between Accounts
To allocate money to a savings or expense fund without transferring the money to a different
account, you will need to add a pair of offset transactions for each allocation. The first entry
includes the budget category and the second entry does not. The payment and deposit amounts
offset each other, so the account balance does not change. When you make the real payment,
you leave the Category blank. The following shows what this might look like for a quarterly
health insurance payment, with monthly budget allocations.
ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT
Checking 1/1/10 [Allocation] Health Insurance 200.00
Checking 1/1/10 [Allocation] 200.00
Checking 2/1/10 [Allocation] Health Insurance 200.00
Checking 2/1/10 [Allocation] 200.00
Checking 3/1/10 [Allocation] Health Insurance 200.00
Checking 3/1/10 [Allocation] 200.00
Checking 3/15/10 ABC Insurance 600.00
The Cleared Balance in the transaction history table shows the Account balance for the
transactions marked "R" for reconciled or "c" for cleared. This allows you to compare the
Cleared Balance with the current balance shown on your bank statements.
The Account Balance reflects your actual or effective balance and is the one you should be
looking at to stay on budget. The Cleared Balance is for comparing to your bank and credit
card statements. For example, when you write a check to a friend, it won't show up in your
bank account until they cash it. You should record the transaction immediately, to help you
stay on budget, but until the check shows up on your bank statement, your Cleared Balance
will be different from the Account Balance (until you enter a "c" or "R" in the reconcile column).
TIP: If you are familiar with using Excel lists or tables, you can use autofiltering to filter the
transaction history table to show a single account at a time.
The Report pulls the budget info from the Budget worksheet and the actual spending from
the Transactions worksheet, so you can view the report at any time during the month and
see how much you have left (or how much you have overspent) in each category.
IMPORTANT: If the Report worksheet does not appear to be pulling information from the
Transactions worksheet, please see Step 4-5 above (Check Formulas).
If you customize budget categories, you will need to make sure to edit the YearlyReport
worksheet so that all budget categories match.
Input Cell
Label
How to Budget: Budgeting Tips
Vertex42 Blog: Budgeting
10/8/2018
10/7/2018
10/6/2018
10/5/2018
10/4/2018
10/3/2018
10/2/2018
10/1/2018
Transactions
PAYMENT DEPOSIT
150.00
DEPOSIT
200.00
DEPOSIT
DEPOSIT
200.00
DEPOSIT
MENT DEPOSIT
200.00
200.00
200.00
ile column).
Yearly Budget Planner
HELP © 2010-2017 Vertex42 LLC
Monthly
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Average
INCOME
Wages & Tips 38,000 38,000 38,000 38,000 38,000 38,000 38,000 38,000 38,000 38,000 38,000 38,000 456,000 38,000
Interest Income 0 0
Dividends 0 0
Gifts Received 0 0
Refunds/Reimbursements 0 0
Financial Aid 0 0
Rental Income 0 0
INCOME-Other 0 0
Total INCOME 38,000 38,000 38,000 38,000 38,000 38,000 38,000 38,000 38,000 38,000 38,000 38,000 456,000 38,000
TO SAVINGS
Emergency Fund 0 0
Retirement Fund 0 0
Investments 25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 300,000 25,000
Taxes 0 0
Vacation Fund 0 0
SAVINGS -Other 0 0
Total TO SAVINGS 25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 300,000 25,000
% of Income 65.8% 65.8% 65.8% 65.8% 65.8% 65.8% 65.8% 65.8% 65.8% 65.8% 65.8% 65.8% 65.8% 65.8%
CHARITY/GIFTS
Tithing 0 0
Charitable Donations 0 0
Religious Donations 0 0
Gifts 0 0
CHARITY - Other 0 0
Total CHARITY/GIFTS 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Average
% of Income 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
HOUSING
Mortgage/Rent 0 0
Home/Rental Insurance 0 0
Real Estate Taxes 0 0
Furnishings/Appliances 0 0
Lawn/Garden 0 0
Maintenance/Supplies 0 0
Improvements 0 0
HOUSING - Other 0 0
Total HOUSING 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Income 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
UTILITIES
Electricity 0 0
Water/Sewer/Trash 0 0
Phone 133 133 133 133 133 133 133 133 133 133 133 133 1,596 133
Cable/Satellite 0 0
Internet 0 0
UTILITIES - Other 0 0
Total UTILITIES 133 133 133 133 133 133 133 133 133 133 133 133 1,596 133
% of Income 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4%
FOOD
Groceries 0 0
Dining/Eating Out 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 12,000 1,000
Pet Food 0 0
FOOD - Other 0 0
Total FOOD 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 12,000 1,000
% of Income 2.6% 2.6% 2.6% 2.6% 2.6% 2.6% 2.6% 2.6% 2.6% 2.6% 2.6% 2.6% 2.6% 2.6%
TRANSPORTATION
Vehicle Payments 0 0
Auto Insurance 0 0
Fuel 0 0
Bus/Taxi/Train Fare 2,700 2,700 2,700 2,700 2,700 2,700 2,700 2,700 2,700 2,700 2,700 2,700 32,400 2,700
Repairs/Tires 0 0
Registration/License 0 0
TRANSPORTATION - Other 0 0
Total TRANSPORTATION 2,700 2,700 2,700 2,700 2,700 2,700 2,700 2,700 2,700 2,700 2,700 2,700 32,400 2,700
% of Income 7.1% 7.1% 7.1% 7.1% 7.1% 7.1% 7.1% 7.1% 7.1% 7.1% 7.1% 7.1% 7.1% 7.1%
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Average
HEALTH
Health Insurance 0 0
Disability Insurance 0 0
Doctor/Dentist/Optometrist 0 0
Medicine/Drugs 0 0
Health Club Dues 0 0
Life Insurance 0 0
Veterinarian/Pet Care 0 0
HEALTH - Other 0 0
Total HEALTH 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Income 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
DAILY LIVING
Education 0 0
Clothing 0 0
Personal Supplies 0 0
Cleaning Services 0 0
Laundry / Dry Cleaning 0 0
Salon/Barber 0 0
DAILY LIVING - Other 0 0
Total DAILY LIVING 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Income 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Total 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Income 0.0% 0.0% 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
Legal Fees 0 0
OBLIGATIONS - Other 0 0
Total OBLIGATIONS 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Income 0.0% 0.0% 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
Total BUSINESS EXPENSE 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Income 0.0% 0.0% 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
Vacation/Travel 0 0
Videos/DVDs 0 0
Music 0 0
Games 0 0
Rentals 0 0
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Average
Movies/Theater 200 200 200 200 200 200 200 200 200 200 200 200 2,400 200
Concerts/Plays 0 0
Books 0 0
Hobbies 0 0
Film/Photos 0 0
Sports 0 0
Outdoor Recreation 0 0
Toys/Gadgets 0 0
ENTERTAINMENT - Other 0 0
Total ENTERTAINMENT 200 200 200 200 200 200 200 200 200 200 200 200 2,400 200
% of Income 0.5% 0.5% 0.5% 0.5% 0.5% 0.5% 0.5% 0.5% 0.5% 0.5% 0.5% 0.5% 0.5% 0.5%
SUBSCRIPTIONS
Newspaper 0 0
Magazines 0 0
Dues/Memberships 0 0
SUBSCRIPTIONS - Other 0 0
Total SUBSCRIPTIONS 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Income 0.0% 0.0% 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 150 150 150 150 150 150 150 150 150 150 150 150 1,800 150
Postage 0 0
MISC - Other 0 0
Total MISCELLANEOUS 150 150 150 150 150 150 150 150 150 150 150 150 1,800 150
% of Income 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4%
Account List
HELP © 2010-2017 Vertex4
You can track any number of real or virtual accounts. These accounts will show up in the Accounts
column in the Transactions worksheet.
Total: 3,968.17
© 2010-2017 Vertex42 LLC
◄ To add accounts, insert new rows above this one and copy formulas down
Transaction History
HELP © 2010-2017 Vertex42 LLC
Account Date Num Payee Memo Tag Category R PAYMENT DEPOSIT Cleared Cleared Account Cleared BALANCE
Payment Deposit Balance Balance
Checking 1/01/17 [Balance As of 1/1/2017] [Balance] R 875.00 - 875.00 875.00 875.00 875.00
Savings 1/01/17 [Balance As of 1/1/2017] [Balance] R 2,345.00 - 2,345.00 2,345.00 2,345.00 3,220.00
BobsCard 1/01/17 [Balance As of 1/1/2017] [Balance] R 256.00 256.00 - (256.00) (256.00) 2,964.00
Checking 1/01/17 DEP Direct Deposit from Employer Wages & Tips R 1,000.00 - 1,000.00 1,875.00 1,875.00 3,964.00
Checking 1/10/17 2032 Car Payment Vehicle Payments R 115.20 115.20 - 1,759.80 1,759.80 3,848.80
BobsCard 1/15/17 Joe's Food Mart Groceries R 87.34 87.34 - (343.34) (343.34) 3,761.46
BobsCard 1/18/17 Fuel Gas/Oil R 100.00 100.00 - (443.34) (443.34) 3,661.46
Checking 2/05/17 DEP Direct Deposit from Employer Wages & Tips c 1,000.00 - 1,000.00 2,759.80 2,759.80 4,661.46
Checking 2/10/17 2033 Target Split Clothing 23.10 - - 2,736.70 2,759.80 4,638.36
Checking 2/10/17 2033 Target Split Groceries 45.15 - - 2,691.55 2,759.80 4,593.21
Checking 2/10/17 2033 Target Split Personal Supplies 25.04 - - 2,666.51 2,759.80 4,568.17
Savings 2/15/17 TXFR [From Checking] [Transfer] 200.00 - - 2,545.00 2,345.00 4,768.17
Checking 2/15/17 TXFR [To Savings] Split Emergency Fund 100.00 - - 2,566.51 2,759.80 4,668.17
Checking 2/15/17 TXFR [To Savings] Split Retirement Fund 50.00 - - 2,516.51 2,759.80 4,618.17
Checking 2/15/17 TXFR [To Savings] Split College Fund 50.00 - - 2,466.51 2,759.80 4,568.17
Checking 1/01/17 [Allocation] Health Insurance 200.00 - - 2,266.51 2,759.80 4,368.17
Checking 1/01/17 [Allocation] 200.00 - - 2,466.51 2,759.80 4,568.17
Checking 2/01/17 [Allocation] Health Insurance 200.00 - - 2,266.51 2,759.80 4,368.17
Checking 2/01/17 [Allocation] 200.00 - - 2,466.51 2,759.80 4,568.17
Checking 3/01/17 [Allocation] Health Insurance 200.00 - - 2,266.51 2,759.80 4,368.17
Checking 3/01/17 [Allocation] 200.00 - - 2,466.51 2,759.80 4,568.17
Checking 3/15/17 ABC Insurance 600.00 - - 1,866.51 2,759.80 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
Account Date Num Payee Memo Tag Category R PAYMENT DEPOSIT Cleared Cleared Account Cleared BALANCE
Payment Deposit Balance Balance
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
Insert more rows above this one and then copy formulas down.
Savings Goals
HELP © 2010-2017 Vertex42 LLC
Goal Balance
Fund Location Goal % Balance
0 1,000 2,000 3,000 4,000 5,000 6,000 7,000 8,000 9,000
Car Fund Savings 8,000.00 0.0% 0.00
Car Fund Vacation Checking 1,500.00 200.0% 3,000.00
College Savings 0.0% 0.00
Vacation Tax Fund Checking 0.0% 0.00
College Fun Fund Checking 0.0% 3,000.00
0.0% 0.00
Tax Fund 0.0% 0.00
0.0% 0.00
Fun Fund
0.0% 0.00
0.0% 0.00
Fund Total
Fund Date Num Description Memo Payment Deposit
Balance BALANCE
Fun Fund 1/01/24 [ Balance as of 1/1/19 ] 3,000.00 3,000.00 3,000.00
Vacation 1/01/24 [ Balance as of 1/1/19] 3,000.00 3,000.00 6,000.00
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Insert new rows above this one - -
Dividends - - -
Gifts Received - - - CHILDREN
Refunds/Reimbursements - - -
Financial Aid - - - OBLIGATIONS
Rental Income - - -
INCOME-Other - - - #REF!
Total INCOME 38,000.00 1,000.00 (37,000.00)
ENTERTAINMENT
TO SAVINGS Budget Actual Difference
Emergency Fund - - - SUBSCRIPTIONS
Retirement Fund - - -
Investments 25,000.00 - (25,000.00)
MISCELLANEOUS
Taxes - - -
Vacation Fund - - -
SAVINGS -Other - - -
Total TO SAVINGS 25,000.00 - (25,000.00)
% of Income 65.8% 0.0%
CHARITY/GIFTS Budget Actual Difference
Tithing - - -
Charitable Donations - - -
Religious Donations - - -
Gifts - - -
CHARITY - Other - - -
Total CHARITY/GIFTS - - -
% of Income 0.0% 0.0%
HOUSING Budget Actual Difference
Mortgage/Rent - - -
Home/Rental Insurance - - -
Real Estate Taxes - - -
Furnishings/Appliances - - -
Lawn/Garden - - -
Maintenance/Supplies - - -
Improvements - - -
HOUSING - Other - - -
Total HOUSING - - -
% of Income 0.0% 0.0%
UTILITIES Budget Actual Difference
Electricity - - -
Water/Sewer/Trash - - -
Phone 133.00 - 133.00
Cable/Satellite - - -
Internet - - -
UTILITIES - Other - - -
Total UTILITIES 133.00 - 133.00
% of Income 0.4% 0.0%
FOOD Budget Actual Difference
Dining/Eating Out 1,000.00 - 1,000.00
Pet Food - - -
FOOD - Other - - -
Total FOOD 1,000.00 - 1,000.00
% of Income 2.6% 0.0%
TRANSPORTATION Budget Actual Difference
Auto Insurance - - -
Fuel - - -
Bus/Taxi/Train Fare 2,700.00 - 2,700.00
Repairs/Tires - - -
Registration/License - - -
TRANSPORTATION - Other - - -
Total TRANSPORTATION 2,700.00 - 2,700.00
% of Income 7.1% 0.0%
HEALTH Budget Actual Difference
Disability Insurance - - -
Doctor/Dentist/Optometrist - - -
Medicine/Drugs - - -
Health Club Dues - - -
Life Insurance - - -
Veterinarian/Pet Care - - -
HEALTH - Other - - -
Total HEALTH - - -
% of Income 0.0% 0.0%
DAILY LIVING Budget Actual Difference
Education - - -
Clothing - - -
Personal Supplies - - -
Cleaning Services - - -
Laundry / Dry Cleaning - - -
Salon/Barber - - -
DAILY LIVING - Other - - -
Total DAILY LIVING - - -
% of Income 0.0% 0.0%
CHILDREN Budget Actual Difference
Total CHILDREN - - -
% of Income 0.0% 0.0%
OBLIGATIONS Budget Actual Difference
Total OBLIGATIONS - - -
% of Income 0.0% 0.0%
ENTERTAINMENT Budget Actual Difference
Vacation/Travel - - -
Videos/DVDs - - -
Music - - -
Games - - -
Rentals - - -
Movies/Theater 200.00 - 200.00
Concerts/Plays - - -
Books - - -
Hobbies - - -
Film/Photos - - -
Sports - - -
Outdoor Recreation - - -
Toys/Gadgets - - -
ENTERTAINMENT - Other - - -
Total ENTERTAINMENT 200.00 - 200.00
% of Income 0.5% 0.0%
SUBSCRIPTIONS Budget Actual Difference
Newspaper - - -
Magazines - - -
Dues/Memberships - - -
SUBSCRIPTIONS - Other - - -
Total SUBSCRIPTIONS - - -
% of Income 0.0% 0.0%
MISCELLANEOUS Budget Actual Difference
Bank Fees 150.00 - 150.00
Postage - - -
MISC - Other - - -
Total MISCELLANEOUS 150.00 - 150.00
% of Income 0.4% 0.0%
Yearly Income & Expense Report
HELP For Year Beginning 1/1/17 © 2010-2017 Vertex42 LLC
Monthly
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Average
Date Begin 1-Jan 1-Feb 1-Mar 1-Apr 1-May 1-Jun 1-Jul 1-Aug 1-Sep 1-Oct 1-Nov 1-Dec
Date End 31-Jan 28-Feb 31-Mar 30-Apr 31-May 30-Jun 31-Jul 31-Aug 30-Sep 31-Oct 30-Nov 31-Dec
INCOME
Wages & Tips 1,000 1,000 0 0 0 0 0 0 0 0 0 0 2,000 167
Interest Income 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Dividends 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Gifts Received 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Refunds/Reimbursements 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Financial Aid 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Rental Income 0 0 0 0 0 0 0 0 0 0 0 0 0 0
INCOME-Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total INCOME 1,000 1,000 0 0 0 0 0 0 0 0 0 0 2,000 167
TO SAVINGS
Emergency Fund 0 100 0 0 0 0 0 0 0 0 0 0 100 8
Retirement Fund 0 50 0 0 0 0 0 0 0 0 0 0 50 4
College Fund 0 50 0 0 0 0 0 0 0 0 0 0 50 4
Investments 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Taxes 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Vacation Fund 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Car Replacement 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SAVINGS -Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total TO SAVINGS 0 200 0 0 0 0 0 0 0 0 0 0 200 17
% of Income 0.0% 20.0% - - - - - - - - - - 10.0% 10.0%
CHARITY/GIFTS
Tithing 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Charitable Donations 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Average
Religious Donations 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Gifts 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Christmas 0 0 0 0 0 0 0 0 0 0 0 0 0 0
CHARITY - Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total CHARITY/GIFTS 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Income 0.0% 0.0% - - - - - - - - - - 0.0% 0.0%
HOUSING
Mortgage/Rent 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Home/Rental Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Real Estate Taxes 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Furnishings/Appliances 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Lawn/Garden 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Maintenance/Supplies 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Improvements 0 0 0 0 0 0 0 0 0 0 0 0 0 0
HOUSING - Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total HOUSING 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Income 0.0% 0.0% - - - - - - - - - - 0.0% 0.0%
UTILITIES
Electricity 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Gas/Oil 100 0 0 0 0 0 0 0 0 0 0 0 100 8
Water/Sewer/Trash 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Phone 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Cable/Satellite 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Internet 0 0 0 0 0 0 0 0 0 0 0 0 0 0
UTILITIES - Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total UTILITIES 100 0 0 0 0 0 0 0 0 0 0 0 100 8
% of Income 10.0% 0.0% - - - - - - - - - - 5.0% 5.0%
FOOD
Groceries 87 45 0 0 0 0 0 0 0 0 0 0 132 11
Dining/Eating Out 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Pet Food 0 0 0 0 0 0 0 0 0 0 0 0 0 0
FOOD - Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total FOOD 87 45 0 0 0 0 0 0 0 0 0 0 132 11
% of Income 8.7% 4.5% - - - - - - - - - - 6.6% 6.6%
TRANSPORTATION
Vehicle Payments 115 0 0 0 0 0 0 0 0 0 0 0 115 10
Auto Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Fuel 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Average
Bus/Taxi/Train Fare 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Repairs/Tires 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Registration/License 0 0 0 0 0 0 0 0 0 0 0 0 0 0
TRANSPORTATION - Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total TRANSPORTATION 115 0 0 0 0 0 0 0 0 0 0 0 115 10
% of Income 11.5% 0.0% - - - - - - - - - - 5.8% 5.8%
HEALTH
Health Insurance 200 200 200 0 0 0 0 0 0 0 0 0 600 50
Disability Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Doctor/Dentist/Optometrist 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Medicine/Drugs 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Health Club Dues 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Life Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Veterinarian/Pet Care 0 0 0 0 0 0 0 0 0 0 0 0 0 0
HEALTH - Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total HEALTH 200 200 200 0 0 0 0 0 0 0 0 0 600 50
% of Income 20.0% 20.0% - - - - - - - - - - 30.0% 30.0%
DAILY LIVING
Education 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Clothing 0 23 0 0 0 0 0 0 0 0 0 0 23 2
Personal Supplies 0 25 0 0 0 0 0 0 0 0 0 0 25 2
Cleaning Services 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Laundry / Dry Cleaning 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Salon/Barber 0 0 0 0 0 0 0 0 0 0 0 0 0 0
DAILY LIVING - Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total DAILY LIVING 0 48 0 0 0 0 0 0 0 0 0 0 48 4
% of Income 0.0% 4.8% - - - - - - - - - - 2.4% 2.4%
CHILDREN
Children:Clothing 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Medical 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Music Lessons 0 0 0 0 0 0 0 0 0 0 0 0 0 0
School Tuition 0 0 0 0 0 0 0 0 0 0 0 0 0 0
School Lunch 0 0 0 0 0 0 0 0 0 0 0 0 0 0
School Supplies 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Babysitting/Child Care 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Toys/Games 0 0 0 0 0 0 0 0 0 0 0 0 0 0
CHILDREN - Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total CHILDREN 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Income 0.0% 0.0% - - - - - - - - - - 0.0% 0.0%
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Average
OBLIGATIONS
Student Loan 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Loan 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Credit Card #1 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Credit Card #2 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Credit Card #3 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Alimony/Child Support 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Federal Taxes 0 0 0 0 0 0 0 0 0 0 0 0 0 0
State/Local Taxes 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Legal Fees 0 0 0 0 0 0 0 0 0 0 0 0 0 0
OBLIGATIONS - Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total OBLIGATIONS 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Income 0.0% 0.0% - - - - - - - - - - 0.0% 0.0%
BUSINESS EXPENSE
Deductible Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Non-Deductible Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0
BUSINESS - Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total BUSINESS EXPENSE 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Income 0.0% 0.0% - - - - - - - - - - 0.0% 0.0%
ENTERTAINMENT
Vacation/Travel 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Videos/DVDs 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Music 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Games 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Rentals 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Movies/Theater 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Concerts/Plays 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Books 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Hobbies 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Film/Photos 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Sports 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Outdoor Recreation 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Toys/Gadgets 0 0 0 0 0 0 0 0 0 0 0 0 0 0
ENTERTAINMENT - Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total ENTERTAINMENT 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Income 0.0% 0.0% - - - - - - - - - - 0.0% 0.0%
SUBSCRIPTIONS
Newspaper 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Average
Magazines 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Dues/Memberships 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SUBSCRIPTIONS - Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total SUBSCRIPTIONS 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Income 0.0% 0.0% - - - - - - - - - - 0.0% 0.0%
MISCELLANEOUS
Bank Fees 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Postage 0 0 0 0 0 0 0 0 0 0 0 0 0 0
MISC - Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total MISCELLANEOUS 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Income 0.0% 0.0% - - - - - - - - - - 0.0% 0.0%
[Categories]
[Balance]
[Transfer]
***** INCOME *****
Wages & Tips
Interest Income
Dividends
Gifts Received
Refunds/Reimbursements
Financial Aid
Rental Income
INCOME-Other
***** SAVINGS *****
Emergency Fund
Retirement Fund
Investments
Taxes
Vacation Fund
SAVINGS -Other
***** CHARITY / GIFTS *****
Tithing
Charitable Donations
Religious Donations
Gifts
CHARITY - Other
***** HOUSING *****
Mortgage/Rent
Home/Rental Insurance
Real Estate Taxes
Furnishings/Appliances
Lawn/Garden
Maintenance/Supplies
Improvements
HOUSING - Other
***** UTILITIES *****
Electricity
Water/Sewer/Trash
Phone
Cable/Satellite
Internet
UTILITIES - Other
***** FOOD *****
Groceries
Dining/Eating Out
Pet Food
FOOD - Other
***** TRANSPORTATION *****
Vehicle Payments
Auto Insurance
Fuel
Bus/Taxi/Train Fare
Repairs/Tires
Registration/License
TRANSPORTATION - Other
***** HEALTH *****
Health Insurance
Disability Insurance
Doctor/Dentist/Optometrist
Medicine/Drugs
Health Club Dues
Life Insurance
Veterinarian/Pet Care
HEALTH - Other
***** DAILY LIVING *****
Education
Clothing
Personal Supplies
Cleaning Services
Laundry / Dry Cleaning
Salon/Barber
DAILY LIVING - Other
***** ENTERTAINMENT *****
Vacation/Travel
Videos/DVDs
Music
Games
Rentals
Movies/Theater
Concerts/Plays
Books
Hobbies
Film/Photos
Sports
Outdoor Recreation
Toys/Gadgets
ENTERTAINMENT - Other
***** SUBSCRIPTIONS *****
Newspaper
Magazines
Dues/Memberships
SUBSCRIPTIONS - Other
***** MISCELLANEOUS *****
Bank Fees
Postage
MISC - Other
Instructions
This worksheet defines the list of categories used for the drop-down in the
Register worksheet. You must make absolutely sure that the list of categories are
the same in ALL worksheets
If you make a change to a category, you need to make that change in all
worksheets.
Adding a Category
- Copy an existing row and insert the copied row where you want it and then edit
the Category name. Then, make sure the add the category in the Budget and
Report worksheets.
Deleting a Sub-Category
- Before you start recording transactions, deleting a category is easy. Just delete
the category row. Don't delete major categories.
- If you have already started recording transactions, and some of the
transactions were allocated to the category you deleted, you will need to
manually update all those Transactions to assign them to a new category.