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Sheet 1: Help
| Vertex42® Money Manager | |||||
| INSTRUCTIONS | |||||
| For Excel 2010 or Later | HELP | >> Excel Tips | |||
| Introduction | |||||
| The Vertex42® Money Manager can be a very simple money management tool. Like most | |||||
| spreadsheet applications, you should know that spreadsheets are error-prone. It is easy to | |||||
| make mistakes, accidentally delete things that should not be deleted, forget to copy formulas, | |||||
| etc. If you are comfortable using Excel, know how to identify and fix formulas when needed, | |||||
| understand how to use basic row operations (delete, copy, inserted copied rows, etc.), are | |||||
| okay with the level of risk you take on by using a spreadsheet, and follow the instructions | |||||
| and guidelines, you should find this spreadsheet very useful. | |||||
| General Tips | |||||
| - Except for customizing the categories, you normally only edit cells with a gray border: | Input Cell | ||||
| - Some of the labels include cell comments (marked with little red triangles) to provide | |||||
| 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. | |||||
| Step 1 | Customize Categories (or don't) | ||||
| The easiest way to get started is to just use the default set of budget categories. | |||||
| If you need to make changes to the categories, make sure that you make corresponding | |||||
| changes in ALL the other worksheets. | |||||
| TIP: If you are going to customize the categories, it may be easier to start from the Budget | |||||
| worksheet and then make sure that the Report and Categories worksheets correspond. | |||||
| A. If you ADD or DELETE Categories, make sure that you use row operations (copying or | |||||
| deleting entire rows) to help ensure that all formulas are copied correctly. Always insert | |||||
| new rows between the first and last item in the category. If you insert a row immediately | |||||
| above the "Total" or "Subtotal" row, formulas will not stretch to include the row you inserted. | |||||
| B. Category names in all the worksheets must match exactly. Conditional formatting is used | |||||
| to highlight the category names if the categories are not found in the Categories worksheet. | |||||
| C. No Duplicate Category Names | |||||
| Using duplicate category names like "Other" will result in errors, but you may not easily | |||||
| notice the errors. Make sure that each category is UNIQUE. | |||||
| D. Do Not Remove or Add Major Categories | |||||
| If you add or remove major categories (like Housing, Food, Health, etc.), many formulas | |||||
| will need to be updated and it is very likely you'll miss something and end up introducing | |||||
| errors. Try to use the default set of categories or RENAME the categories, but avoid adding | |||||
| or removing the major categories. | |||||
| Step 2 | Define Your List of Accounts | ||||
| Edit the list of accounts that you want to include in the Transaction History worksheet by | |||||
| editing the Accounts worksheet. The list will populate the dropdown box in the Accounts | |||||
| column of the Transactions worksheet. | |||||
| 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. | |||||
| Step 3 | Define Your Yearly Budget | ||||
| Define your budget using the Budget worksheet. Edit only the cells with the gray outline. | How to Budget: Budgeting Tips | ||||
| See Vertex42.com or tips on budgeting. | Vertex42 Blog: Budgeting | ||||
| - 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. | |||||
| Step 4 | Record Transactions | ||||
| The Transactions worksheet lets you record transactions for multiple accounts. Think of a | |||||
| PAYMENT as money leaving the account and a DEPOSIT as money entering the account. | |||||
| Examples of different types of transactions are given below. | |||||
| 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. | |||||
| Use the screenshot below as a guide for how to enter transactions. | |||||
| Date: To quickly enter the current date, use the keyboard shortcut CTRL+; | 8/14/2022 | ||||
| The list of dates to the right is used to populate the drop-down box. For other dates, | 8/13/2022 | ||||
| you will need to enter the date manually. For a date in the current year, you can use the | 8/12/2022 | ||||
| shortcut of just entering the month/day like 5/16. | 8/11/2022 | ||||
| 8/10/2022 | |||||
| 8/9/2022 | |||||
| 8/8/2022 | |||||
| 8/7/2022 | |||||
| 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 | [Transfer] | : Normal background color to identify Transfers | |||
| category is not found in the Categories worksheet, BROWN if the category is not found in | [Balance] | : Normal background color to identify Beginning Balance | |||
| the Yearly or Monthly worksheet, and GRAY if the category is blank, [Transfer], or [Balance]. | Blah Blah | : Category not found in the Categories worksheet | |||
| If the formatting isn't copied correctly, you'll lose this double-check feature. So again, this | Blah Blah | : Category not found in the Budget or Report worksheets | |||
| 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 | |||||
| Step 4-1: Enter the beginning balance(s): | |||||
| The Beginning Balance on JANUARY 1st for each account should be the first lines in the | |||||
| register. If an account has a Negative balance (like a Credit Card), enter the balance as a | |||||
| Positive value in the PAYMENT column. If an account has a Positive balance, enter the balance | |||||
| as a Positive value in the DEPOSIT column. Use the Account Balance column to compare to | |||||
| the balance shown on your bank or credit card statements. | |||||
| Step 4-2: Add New Transactions: | |||||
| You will probably find that the fastest way to add new transactions is copy and paste similar | |||||
| previous transactions. You can select one or more rows, copy them, and then paste them | |||||
| below the last transaction. Then, you just need to edit the cells that need to be changed. | |||||
| 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. | |||||
| Recording a SPLIT Transaction | |||||
| If a single transaction needs to be allocated to multiple budget categories, you need to create | |||||
| a SPLIT transaction. You can do this by splitting the transaction into multiple transactions - | |||||
| one for each category. You can use the MEMO field to indicate that the transaction is a "Split". | |||||
| ACCOUNT DATE NUM PAYEE MEMO CATEGORY PAYMENT | |||||
| Checking 1/1/10 2032 Target Split Clothing 23.10 | |||||
| Checking 1/1/10 2032 Target Split Groceries 45.15 | |||||
| Checking 1/1/10 2032 Target Split Supplies 25.04 | |||||
| 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)" | |||||
| Recording a [Transfer] Between Spending Accounts | |||||
| Record a transfer by listing two transactions (one PAYMENT, one DEPOSIT) to offset each other. | |||||
| Choose "[Transfer]" as the Category for both transactions. For example, a $250 credit card | |||||
| payment would be recorded as a transfer FROM your checking TO your credit card account: | |||||
| ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT | |||||
| CreditCard 1/1/10 TXFR [From Checking] [Transfer] 150.00 | |||||
| Checking 1/1/10 TXFR [To CreditCard] [Transfer] 150.00 | |||||
| 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 | |||||
| Recording a [Transfer] To SAVINGS | |||||
| When budgeting, you treat a transfer to Savings as an expense. You'll notice in the Budget | |||||
| worksheet that there are multiple savings goals listed as sub-categories under the main | |||||
| "To Savings" category. Instead of just throwing money into Savings, you should allocate the | |||||
| money to specific savings goals based on percentages. For example, 50% to your Emergency | |||||
| Fund, 25% to Retirement, etc. You do this by recording the transfer as a SPLIT transaction: | |||||
| In the example below, the CATEGORY for the Savings account transaction is "[Transfer]" | |||||
| while the CATEGORY for the Checking account transaction(s) are budget sub-categories. | |||||
| ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT | |||||
| Savings 1/1/10 TXFR [From Checking] [Transfer] 200.00 | |||||
| Checking 1/1/10 TXFR [To Savings] Emergency Fund 100.00 | |||||
| Checking 1/1/10 TXFR [To Savings] Retirement 50.00 | |||||
| Checking 1/1/10 TXFR [To Savings] College Fund 50.00 | |||||
| Recording a Return or Refund | |||||
| A very common approach for recording returns or refunds is to record them as a negative | |||||
| expense. As an example, let's say you purchased a blender from a department store and | |||||
| allocated the payment to your "Appliances" category. After returning the blender, the store | |||||
| credits your card. Instead of entering the credit as a deposit, enter the amount as a negative | |||||
| payment as shown below. Doing this will credit the correct budget category instead of | |||||
| treating the return as income. | |||||
| Original Transaction: | |||||
| ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT | |||||
| CreditCard 1/1/10 The Big Store Appliances 50.00 | |||||
| Recording the Return: | |||||
| ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT | |||||
| CreditCard 1/5/10 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. | |||||
| If you can pay directly from your Savings account: | |||||
| You have already recorded the payments as expenses when you transferred the money to | |||||
| Savings, so leave the Category blank when recording the payment. The payment will not | |||||
| show up in your budget report a second time (because the Category column is blank). | |||||
| ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT | |||||
| Savings 6/1/14 chk ABC Insurance 198.00 | |||||
| If you can't pay directly from your Savings account: | |||||
| First transfer the amount saved from Savings to Checking, recording the transfer as a | |||||
| credit to the expense category. Then, record the payment from Checking like normal. | |||||
| 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 | |||||
| 2. Record the Payment from Checking: | |||||
| ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT | |||||
| Checking 6/1/14 1023 ABC Insurance Insurance 198.00 | |||||
| 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 | |||||
| Tracking the Balance of Savings and Expense Funds | |||||
| If you choose to keep allocated funds within your spending account, you may want to keep | |||||
| track of how much in your spending account is free to be used for other purposes and how | |||||
| much has been allocated to future expenses. There are a couple methods for doing that: | |||||
| Method 1: Define a Virtual Sub-Account in the Accounts worksheet | |||||
| Using this method, you record entries in the Transactions worksheet just as you would if you | |||||
| were transferring real money between accounts. Your bank statement will not show these | |||||
| transactions because you are only listing them in your own spreadsheet. When you reconcile | |||||
| with your bank statements, remember to add the balances for the sub-accounts to the balance | |||||
| of the main account. | |||||
| Method 2: Use a Separate Worksheet to Track Savings and Expense Funds | |||||
| You can use the Goals worksheet to track any fund balance that you want to. You will need to | |||||
| update the Goals worksheet in addition to recording the allocations in the Transactions | |||||
| worksheet. The Goals worksheet is only for tracking the balance and is not linked to your | |||||
| other budget worksheets. | |||||
| Step 4-3: Record "Cleared" Transactions. | |||||
| When you see that charges have been processed or "cleared" by your bank, you should | |||||
| enter a "c" in the reconcile (R) column for that transaction. | |||||
| 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). | |||||
| Step 4-4: Reconcile Your Accounts | |||||
| You should reconcile your accounts at least one a month. Reconciling is also commonly known | |||||
| as "balancing your checkbook". | |||||
| A. Get your bank and credit card statements | |||||
| B. Review your statements for errors and fraudulent charges | |||||
| C. Your statements may include ATM fees, bank fees, or other transactions that you forget | |||||
| to include in the Transactions worksheet. Add them. | |||||
| D. Verify that the Cleared Balance (as of the Ending Statement Date) in the Transactions | |||||
| worksheet matches the Statement Balance. | |||||
| E. Enter an "R" in the reconcile (R) column for every transaction that shows up on your | |||||
| bank statement. | |||||
| 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. | |||||
| Step 4-5: Check Formulas | |||||
| If you do any type of customization, you should check that formulas in the spreadsheet are | |||||
| still referring to the correct cells. | |||||
| Step 5 | Track Your Progress | ||||
| A very important part of good money management is keeping track of how your current | |||||
| spending compares to your budget. You might check your budget status on a weekly or even | |||||
| daily basis, but you should at least manage your money on a monthly basis. | |||||
| Using the Report Worksheet | |||||
| Use the Report worksheet to compare your budget to your actual spending throughout | |||||
| the month. Change the month by entering the month number (1 for Jan., 2 for Feb., etc.). | |||||
| 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). | |||||
| Using the YearlyReport Worksheet | |||||
| The YearlyReport worksheet is very similar to the Budget worksheet except that it calculates | |||||
| amounts from the Transactions worksheet to show you an Income and Expense report. | |||||
| If you customize budget categories, you will need to make sure to edit the YearlyReport | |||||
| worksheet so that all budget categories match. | |||||
| Using the Goals Worksheet | |||||
| If you want to track separate short-term and long-term savings goals, you can use the Goals | |||||
| worksheet. | |||||
| Yearly Budget Planner | ||||||||||||||
| HELP | ||||||||||||||
|
|
0 | [42] | Total | Avg | ||||||||||
| Total Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| NET (Income - 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 | ||
| Monthly | ||||||||||||||
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | Average | |
| INCOME | ||||||||||||||
| Wages & Tips | 0 | 0 | ||||||||||||
| 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| TO SAVINGS | ||||||||||||||
| Emergency Fund | 0 | 0 | ||||||||||||
| Retirement Fund | 0 | 0 | ||||||||||||
| College Fund | 0 | 0 | ||||||||||||
| Investments | 0 | 0 | ||||||||||||
| Taxes | 0 | 0 | ||||||||||||
| Vacation Fund | 0 | 0 | ||||||||||||
| Car Replacement | 0 | 0 | ||||||||||||
| SAVINGS -Other | 0 | 0 | ||||||||||||
| Total TO SAVINGS | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| % of Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| CHARITY/GIFTS | ||||||||||||||
| Tithing | 0 | 0 | ||||||||||||
| Charitable Donations | 0 | 0 | ||||||||||||
| Religious Donations | 0 | 0 | ||||||||||||
| Gifts | 0 | 0 | ||||||||||||
| Christmas | 0 | 0 | ||||||||||||
| CHARITY - Other | 0 | 0 | ||||||||||||
| Total CHARITY/GIFTS | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| % of Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| 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 | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| UTILITIES | ||||||||||||||
| Electricity | 0 | 0 | ||||||||||||
| Gas/Oil | 0 | 0 | ||||||||||||
| Water/Sewer/Trash | 0 | 0 | ||||||||||||
| Phone | 0 | 0 | ||||||||||||
| Cable/Satellite | 0 | 0 | ||||||||||||
| Internet | 0 | 0 | ||||||||||||
| UTILITIES - Other | 0 | 0 | ||||||||||||
| Total UTILITIES | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| % of Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| FOOD | ||||||||||||||
| Groceries | 0 | 0 | ||||||||||||
| Dining/Eating Out | 0 | 0 | ||||||||||||
| Pet Food | 0 | 0 | ||||||||||||
| FOOD - Other | 0 | 0 | ||||||||||||
| Total FOOD | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| % of Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| TRANSPORTATION | ||||||||||||||
| Vehicle Payments | 0 | 0 | ||||||||||||
| Auto Insurance | 0 | 0 | ||||||||||||
| Fuel | 0 | 0 | ||||||||||||
| Bus/Taxi/Train Fare | 0 | 0 | ||||||||||||
| Repairs/Tires | 0 | 0 | ||||||||||||
| Registration/License | 0 | 0 | ||||||||||||
| TRANSPORTATION - Other | 0 | 0 | ||||||||||||
| Total TRANSPORTATION | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| % of Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| 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 | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| 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 | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| CHILDREN | ||||||||||||||
| Children:Clothing | 0 | 0 | ||||||||||||
| Medical | 0 | 0 | ||||||||||||
| Music Lessons | 0 | 0 | ||||||||||||
| School Tuition | 0 | 0 | ||||||||||||
| School Lunch | 0 | 0 | ||||||||||||
| School Supplies | 0 | 0 | ||||||||||||
| Babysitting/Child Care | 0 | 0 | ||||||||||||
| Toys/Games | 0 | 0 | ||||||||||||
| CHILDREN - Other | 0 | 0 | ||||||||||||
| Total CHILDREN | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| % of Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| OBLIGATIONS | ||||||||||||||
| Student Loan | 0 | 0 | ||||||||||||
| Other Loan | 0 | 0 | ||||||||||||
| Credit Card #1 | 0 | 0 | ||||||||||||
| Credit Card #2 | 0 | 0 | ||||||||||||
| Credit Card #3 | 0 | 0 | ||||||||||||
| Alimony/Child Support | 0 | 0 | ||||||||||||
| Federal Taxes | 0 | 0 | ||||||||||||
| State/Local Taxes | 0 | 0 | ||||||||||||
| 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 | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| BUSINESS EXPENSE | ||||||||||||||
| Deductible Expenses | 0 | 0 | ||||||||||||
| Non-Deductible Expenses | 0 | 0 | ||||||||||||
| BUSINESS - Other | 0 | 0 | ||||||||||||
| Total BUSINESS EXPENSE | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| % of Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| ENTERTAINMENT | ||||||||||||||
| Vacation/Travel | 0 | 0 | ||||||||||||
| Videos/DVDs | 0 | 0 | ||||||||||||
| Music | 0 | 0 | ||||||||||||
| Games | 0 | 0 | ||||||||||||
| Rentals | 0 | 0 | ||||||||||||
| Movies/Theater | 0 | 0 | ||||||||||||
| 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| % of Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| 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 | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| MISCELLANEOUS | ||||||||||||||
| Bank Fees | 0 | 0 | ||||||||||||
| Postage | 0 | 0 | ||||||||||||
| MISC - Other | 0 | 0 | ||||||||||||
| Total MISCELLANEOUS | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| % of Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Account List | ||||||||
| HELP | ||||||||
| You can track any number of real or virtual accounts. These accounts will show up in the Accounts | ||||||||
| column in the Transactions worksheet. | ||||||||
| ACCOUNTS |
|
|
Cleared | Balance | ||||
| Checking | 2,000.00 | 93.3% | 2,759.80 | 1,866.51 | ||||
| Savings | 5,000.00 | 50.9% | 2,345.00 | 2,545.00 | ||||
| BobsCard | n/a | -443.34 | -443.34 | |||||
| JanesCard | n/a | 0.00 | 0.00 | |||||
| n/a | 0.00 | 0.00 | ||||||
| n/a | 0.00 | 0.00 | ||||||
| n/a | 0.00 | 0.00 | ||||||
| n/a | 0.00 | 0.00 | ||||||
| n/a | 0.00 | 0.00 | ||||||
| n/a | 0.00 | 0.00 | ||||||
| n/a | 0.00 | 0.00 | ||||||
| ◄ To add accounts, insert new rows above this one and copy formulas down | ||||||||
| Total: | 3,968.17 | |||||||
