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INSTRUCTIONS: STEP 1: Follow the steps below. Enter only in the LIGHT YELLOW cells. When are you starting your budget? Enter the month in full (not abbreviated) and the year as four digits. MONTH YEAR JANUARY 2013
January 9, 2013
TIPS: a) Some parts of this spreadsheet have been protected to prevent accidental changes. b) If you want to unprotect this spreadsheet for customization purposes, go to SavvySpreadsheets.com to learn how. Go to SavvySpreadsheets.com TIPS: a) Your Net Income is your take home pay after taxes. b) If you receive a weekly or biweekly paycheck, use the calculator below to determine your Monthly Net Income.
MONTHLY NET INCOME CALCULATOR FREQUENCY PAYCHECK MONTHLY OF PAY AMOUNT EQUIVALENT WEEKLY: BIWEEKLY: $1,000.00 $2,166.67 Enter this in Step 1.
STEP 2: STEP 3:
$2,166.67
Enter up to 10 Expense Categories. Next to each category, enter the amount you want to budget each month. EXPENSE CATEGORY MORTGAGE/RENT UTILITIES FOOD CLOTHING HOME SUPPLIES TOILETRIES ENTERTAINMENT VACATION CHURCH Transportation - Gasoline/Repairs TOTAL BUDGET $650.00 $125.00 $400.00 $200.00 $100.00 $25.00 $100.00 $50.00 $200.00 $240.00 $2,090.00
1 2 3 4 5 6 7 8 9 10
TIPS: a) Some common Expense Categories have been filled in for you as examples. Use these or type over them with your own. b) You don't have to use all 10 categories. Leave any blank categories at the bottom of the list. c) You can change the categories and budget amounts later if you need to. d) If you need subcategories, go to SavvySpreadsheets.com to learn about your options. Go to SavvySpreadsheets.com
Your budget setup is done! Your budgeted savings are $76.67 (the difference between your net income and budgeted spending). STEP 4: Now start tracking your expenses. Click on the link below to jump to the Expenses tab. Go to EXPENSES After you've logged in your expenses, see where your money went. Click on the current month to see how much you've spent so far, and how much you have left to spend for the month. Go to CURRENT MONTH STEP 6: At the end of the month, check the Year-to-Date tab to see how much you've spent since starting your budget. Go to YEAR-TO-DATE Finally, check the Annual Summary. This tab provides a snapshot of how much you've saved versus how much you've spent each month. Go to ANNUAL SUMMARY
TIPS: a) Use your receipts and/or online credit card transaction history to help you log your expenses. If you buy something with cash and don't get a receipt, jot down the details of the purchase as soon as you can on a piece of paper or on your phone. b) Try to log your expenses at least every week. The more frequently you track your spending, the more accurately you can determine how much you have left to spend (and if you can afford that big purchase!).
STEP 5:
STEP 7:
TIPS: a) If you are consistently overspending in a specific category, consider increasing your budget for that category and decreasing your budget somewhere else. b) You can adjust your budget amounts in Step 2 as often as necessary. The changes will flow out to all of the months. c) You can also adjust your budget for an individual month on the tab for that month.
Thank you for downloading the Super Basic Budget! For custom spreadsheets and more, please visit me at Go to SavvySpreadsheets.com SavvySpreadsheets.com. -- Janet SETUP
Page 1
SETUP
Page 2
EXPENSES
Enter your expenses below. See the tips for instructions. DATE 1/5/13 1/7/13 1/7/13 1/10/13 1/11/13 1/11/13 1/12/13 1/12/13 1/15/13 1/17/13 1/18/13 1/19/13 1/20/13 DESCRIPTION Pit to Plate Gold Star Chili Kroger Mortgage Payment Church Tithe Groceries Utility Bills Gasoline Clothing Home Maintenance Toiletries/Cosmetics Entertainment (Movies) Vacation Savings AMOUNT $21.00 $7.50 $36.50 $650.00 $200.00 $400.00 $100.00 $150.00 $220.00 $60.00 $65.00 $75.00 $50.00
Back to SETUP Go to CURRENT MONTH Go to YEAR-TO-DATE Go to ANNUAL SUMMARY CATEGORY FOOD FOOD FOOD MORTGAGE/RENT CHURCH FOOD UTILITIES Transportation - Gasoline/Repairs CLOTHING HOME SUPPLIES TOILETRIES ENTERTAINMENT VACATION
TIPS on ENTERING EXPENSES: a) The first row has been populated with an example. Type over this with the Date, Description, and Amount of your first expense. b) When you click on the cell for Category, a small arrow box should pop up next to it. Click on the arrow box to reveal the drop-down menu and select the category. You can also type in the category, but just make sure it's one of the categories you entered in Step 3. c) Enter your second expense on the next row, just below the first one. Continue to add expenses, one just below the other. The table will grow automatically as you add rows. d) You don't have to enter your expenses in consecutive order. e) You can enter negative amounts for credits and refunds. f) Remember to include tax and tip when tracking your expenses. Use the calculator above to help you calculate tax.
TIPS on ANALYZING EXPENSES a) You can filter for a particular Date, Description, Amount, or Category, by clicking on the small down arrow boxes on the table headers. b) You can also sort these by using the same small down arrow boxes. c) If a category is showing up in RED, it's because it doesn't match one of the categories from Step 3. Rename it by selecting from the drop-down menu. If you have a lot of RED categories, go to SavvySpreadsheets.com for tips on how to change these quickly with just a few steps.
EXPENSES
Page 3
JANUARY
JANUARY 2013
NET INCOME $2,166.67 BUDGET $650.00 $125.00 $400.00 $200.00 $100.00 $25.00 $100.00 $50.00 $200.00 $240.00 $2,090.00 SPENDING $2,035.00 ACTUAL $650.00 $100.00 $465.00 $220.00 $60.00 $65.00 $75.00 $50.00 $200.00 $150.00 $2,035.00 TOTAL SAVINGS $131.67 DIFFERENCE $0.00 $25.00 ($65.00) ($20.00) $40.00 ($40.00) $25.00 $0.00 $0.00 $90.00 $55.00
You are still UNDER budget for the current month. You have $55.00 left to spend. MONTHLY SUMMARY TOTAL SPENDING SUMMARY MORTGAGE/RENT UTILITIES FOOD CLOTHING HOME SUPPLIES TOILETRIES ENTERTAINMENT VACATION CHURCH Transportation - Gasoline/Repairs TOTAL SPENDING
7% MORTGAGE/RENT 10% 2%
32% 4%
3% 3% 11% 5%
TOILETRIES ENTERTAINMENT
Your budgeted savings are $76.67 (the difference between your Net Income and Budget spending).
23%
By being under budget for the month, you saved $55.00 in addition to your budgeted savings amount of $76.67 for a Total Savings of $131.67.
JAN
Page 4
FEBRUARY
FEBRUARY 2013
NET INCOME $2,166.67 BUDGET $650.00 $125.00 $400.00 $200.00 $100.00 $25.00 $100.00 $50.00 $200.00 $240.00 $2,090.00 SPENDING $0.00 ACTUAL $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 TOTAL SAVINGS $2,166.67 DIFFERENCE $650.00 $125.00 $400.00 $200.00 $100.00 $25.00 $100.00 $50.00 $200.00 $240.00 $2,090.00
Haven't started yet. MONTHLY SUMMARY TOTAL SPENDING SUMMARY MORTGAGE/RENT UTILITIES FOOD CLOTHING HOME SUPPLIES TOILETRIES ENTERTAINMENT VACATION CHURCH Transportation - Gasoline/Repairs TOTAL SPENDING
11%
MORTGAGE/RENT
10% 2% 5%
1% 5%
31%
6%
10%
TOILETRIES ENTERTAINMENT
Your budgeted savings are $76.67 (the difference between your Net Income and Budget spending).
19%
FEB
Page 5
MARCH
MARCH 2013
NET INCOME $2,166.67 BUDGET $650.00 $125.00 $400.00 $200.00 $100.00 $25.00 $100.00 $50.00 $200.00 $240.00 $2,090.00 SPENDING $0.00 ACTUAL $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 TOTAL SAVINGS $2,166.67 DIFFERENCE $650.00 $125.00 $400.00 $200.00 $100.00 $25.00 $100.00 $50.00 $200.00 $240.00 $2,090.00
Haven't started yet. MONTHLY SUMMARY TOTAL SPENDING SUMMARY MORTGAGE/RENT UTILITIES FOOD CLOTHING HOME SUPPLIES TOILETRIES ENTERTAINMENT VACATION CHURCH Transportation - Gasoline/Repairs TOTAL SPENDING
11%
MORTGAGE/RENT
10% 2% 5% 1%
5%
31%
6%
10%
TOILETRIES ENTERTAINMENT
Your budgeted savings are $76.67 (the difference between your Net Income and Budget spending).
19%
MAR
Page 6
APRIL
APRIL 2013
NET INCOME $2,166.67 BUDGET $650.00 $125.00 $400.00 $200.00 $100.00 $25.00 $100.00 $50.00 $200.00 $240.00 $2,090.00 SPENDING $0.00 ACTUAL $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 TOTAL SAVINGS $2,166.67 DIFFERENCE $650.00 $125.00 $400.00 $200.00 $100.00 $25.00 $100.00 $50.00 $200.00 $240.00 $2,090.00
Haven't started yet. MONTHLY SUMMARY TOTAL SPENDING SUMMARY MORTGAGE/RENT UTILITIES FOOD CLOTHING HOME SUPPLIES TOILETRIES ENTERTAINMENT VACATION CHURCH Transportation - Gasoline/Repairs TOTAL SPENDING
11%
MORTGAGE/RENT
10% 2% 5%
1% 5%
31%
6%
10%
TOILETRIES ENTERTAINMENT
Your budgeted savings are $76.67 (the difference between your Net Income and Budget spending).
19%
APR
Page 7
MAY
MAY 2013
NET INCOME $2,166.67 BUDGET $650.00 $125.00 $400.00 $200.00 $100.00 $25.00 $100.00 $50.00 $200.00 $240.00 $2,090.00 SPENDING $0.00 ACTUAL $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 TOTAL SAVINGS $2,166.67 DIFFERENCE $650.00 $125.00 $400.00 $200.00 $100.00 $25.00 $100.00 $50.00 $200.00 $240.00 $2,090.00
Haven't started yet. MONTHLY SUMMARY TOTAL SPENDING SUMMARY MORTGAGE/RENT UTILITIES FOOD CLOTHING HOME SUPPLIES TOILETRIES ENTERTAINMENT VACATION CHURCH Transportation - Gasoline/Repairs TOTAL SPENDING
11%
MORTGAGE/RENT
10% 2% 5% 1%
5%
31%
6%
10%
TOILETRIES ENTERTAINMENT
Your budgeted savings are $76.67 (the difference between your Net Income and Budget spending).
19%
MAY
Page 8
JUNE
JUNE 2013
NET INCOME $2,166.67 BUDGET $650.00 $125.00 $400.00 $200.00 $100.00 $25.00 $100.00 $50.00 $200.00 $240.00 $2,090.00 SPENDING $0.00 ACTUAL $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 TOTAL SAVINGS $2,166.67 DIFFERENCE $650.00 $125.00 $400.00 $200.00 $100.00 $25.00 $100.00 $50.00 $200.00 $240.00 $2,090.00
Haven't started yet. MONTHLY SUMMARY TOTAL SPENDING SUMMARY MORTGAGE/RENT UTILITIES FOOD CLOTHING HOME SUPPLIES TOILETRIES ENTERTAINMENT VACATION CHURCH Transportation - Gasoline/Repairs TOTAL SPENDING
11%
MORTGAGE/RENT
10% 2% 5%
1% 5%
31%
6%
10%
TOILETRIES ENTERTAINMENT
Your budgeted savings are $76.67 (the difference between your Net Income and Budget spending).
19%
JUN
Page 9
JULY
JULY 2013
NET INCOME $2,166.67 BUDGET $650.00 $125.00 $400.00 $200.00 $100.00 $25.00 $100.00 $50.00 $200.00 $240.00 $2,090.00 SPENDING $0.00 ACTUAL $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 TOTAL SAVINGS $2,166.67 DIFFERENCE $650.00 $125.00 $400.00 $200.00 $100.00 $25.00 $100.00 $50.00 $200.00 $240.00 $2,090.00
Haven't started yet. MONTHLY SUMMARY TOTAL SPENDING SUMMARY MORTGAGE/RENT UTILITIES FOOD CLOTHING HOME SUPPLIES TOILETRIES ENTERTAINMENT VACATION CHURCH Transportation - Gasoline/Repairs TOTAL SPENDING
11%
MORTGAGE/RENT
10% 2% 5% 1%
5%
31%
6%
10%
TOILETRIES ENTERTAINMENT
Your budgeted savings are $76.67 (the difference between your Net Income and Budget spending).
19%
JUL
Page 10
AUGUST
AUGUST 2013
NET INCOME $2,166.67 BUDGET $650.00 $125.00 $400.00 $200.00 $100.00 $25.00 $100.00 $50.00 $200.00 $240.00 $2,090.00 SPENDING $0.00 ACTUAL $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 TOTAL SAVINGS $2,166.67 DIFFERENCE $650.00 $125.00 $400.00 $200.00 $100.00 $25.00 $100.00 $50.00 $200.00 $240.00 $2,090.00
Haven't started yet. MONTHLY SUMMARY TOTAL SPENDING SUMMARY MORTGAGE/RENT UTILITIES FOOD CLOTHING HOME SUPPLIES TOILETRIES ENTERTAINMENT VACATION CHURCH Transportation - Gasoline/Repairs TOTAL SPENDING
11%
MORTGAGE/RENT
10% 2% 5%
1% 5%
31%
6%
10%
TOILETRIES ENTERTAINMENT
Your budgeted savings are $76.67 (the difference between your Net Income and Budget spending).
19%
AUG
Page 11
SEPTEMBER
SEPTEMBER 2013
NET INCOME $2,166.67 BUDGET $650.00 $125.00 $400.00 $200.00 $100.00 $25.00 $100.00 $50.00 $200.00 $240.00 $2,090.00 SPENDING $0.00 ACTUAL $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 TOTAL SAVINGS $2,166.67 DIFFERENCE $650.00 $125.00 $400.00 $200.00 $100.00 $25.00 $100.00 $50.00 $200.00 $240.00 $2,090.00
Haven't started yet. MONTHLY SUMMARY TOTAL SPENDING SUMMARY MORTGAGE/RENT UTILITIES FOOD CLOTHING HOME SUPPLIES TOILETRIES ENTERTAINMENT VACATION CHURCH Transportation - Gasoline/Repairs TOTAL SPENDING
11%
MORTGAGE/RENT
10% 2% 5% 1%
5%
31%
6%
10%
TOILETRIES ENTERTAINMENT
Your budgeted savings are $76.67 (the difference between your Net Income and Budget spending).
19%
SEP
Page 12
OCTOBER
OCTOBER 2013
NET INCOME $2,166.67 BUDGET $650.00 $125.00 $400.00 $200.00 $100.00 $25.00 $100.00 $50.00 $200.00 $240.00 $2,090.00 SPENDING $0.00 ACTUAL $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 TOTAL SAVINGS $2,166.67 DIFFERENCE $650.00 $125.00 $400.00 $200.00 $100.00 $25.00 $100.00 $50.00 $200.00 $240.00 $2,090.00
Haven't started yet. MONTHLY SUMMARY TOTAL SPENDING SUMMARY MORTGAGE/RENT UTILITIES FOOD CLOTHING HOME SUPPLIES TOILETRIES ENTERTAINMENT VACATION CHURCH Transportation - Gasoline/Repairs TOTAL SPENDING
11%
MORTGAGE/RENT
10% 2% 5%
1% 5%
31%
6%
10%
TOILETRIES ENTERTAINMENT
Your budgeted savings are $76.67 (the difference between your Net Income and Budget spending).
19%
OCT
Page 13
NOVEMBER
NOVEMBER 2013
NET INCOME $2,166.67 BUDGET $650.00 $125.00 $400.00 $200.00 $100.00 $25.00 $100.00 $50.00 $200.00 $240.00 $2,090.00 SPENDING $0.00 ACTUAL $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 TOTAL SAVINGS $2,166.67 DIFFERENCE $650.00 $125.00 $400.00 $200.00 $100.00 $25.00 $100.00 $50.00 $200.00 $240.00 $2,090.00
Haven't started yet. MONTHLY SUMMARY TOTAL SPENDING SUMMARY MORTGAGE/RENT UTILITIES FOOD CLOTHING HOME SUPPLIES TOILETRIES ENTERTAINMENT VACATION CHURCH Transportation - Gasoline/Repairs TOTAL SPENDING
11%
MORTGAGE/RENT
10% 2% 5% 1%
5%
31%
6%
10%
TOILETRIES ENTERTAINMENT
Your budgeted savings are $76.67 (the difference between your Net Income and Budget spending).
19%
NOV
Page 14
DECEMBER
DECEMBER 2013
NET INCOME $2,166.67 BUDGET $650.00 $125.00 $400.00 $200.00 $100.00 $25.00 $100.00 $50.00 $200.00 $240.00 $2,090.00 SPENDING $0.00 ACTUAL $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 TOTAL SAVINGS $2,166.67 DIFFERENCE $650.00 $125.00 $400.00 $200.00 $100.00 $25.00 $100.00 $50.00 $200.00 $240.00 $2,090.00
Haven't started yet. MONTHLY SUMMARY TOTAL SPENDING SUMMARY MORTGAGE/RENT UTILITIES FOOD CLOTHING HOME SUPPLIES TOILETRIES ENTERTAINMENT VACATION CHURCH Transportation - Gasoline/Repairs TOTAL SPENDING
11%
MORTGAGE/RENT
10% 2% 5%
1% 5%
31%
6%
10%
TOILETRIES ENTERTAINMENT
Your budgeted savings are $76.67 (the difference between your Net Income and Budget spending).
19%
DEC
Page 15
YEAR-TO-DATE
JANUARY 2013 - JANUARY 2013
Good job! You were UNDER budget for the last 1-month period by $55.00. MONTHLY SUMMARY TOTAL SPENDING SUMMARY MORTGAGE/RENT UTILITIES FOOD CLOTHING HOME SUPPLIES TOILETRIES ENTERTAINMENT VACATION CHURCH Transportation - Gasoline/Repairs TOTAL SPENDING NET INCOME $2,166.67 BUDGET $650.00 $125.00 $400.00 $200.00 $100.00 $25.00 $100.00 $50.00 $200.00 $240.00 $2,090.00 SPENDING $2,035.00 ACTUAL $650.00 $100.00 $465.00 $220.00 $60.00 $65.00 $75.00 $50.00 $200.00 $150.00 $2,035.00 TOTAL SAVINGS $131.67 DIFFERENCE $0.00 $25.00 ($65.00) ($20.00) $40.00 ($40.00) $25.00 $0.00 $0.00 $90.00 $55.00
7% MORTGAGE/RENT 10% 2%
32% 4%
3% 3% 11% 5%
TOILETRIES ENTERTAINMENT
Your budgeted savings are $76.67 (the difference between your Net Income and Budget spending).
23%
By being under budget for the last 1-month period, you saved $55.00 in addition to your budgeted savings amount of $76.67 for a Total Savings of $131.67.
YTD
Page 16
ANNUAL SUMMARY
SAVINGS BY MONTH NET INCOME SPENDING TOTAL SAVINGS SPENDING BY MONTH MORTGAGE/RENT MORTGAGE/RENT MORTGAGE/RENT UTILITIES UTILITIES UTILITIES FOOD FOOD FOOD CLOTHING CLOTHING CLOTHING HOME SUPPLIES HOME SUPPLIES HOME SUPPLIES TOILETRIES TOILETRIES TOILETRIES JAN 13 $2,166.67 $2,035.00 $131.67 JAN 13 $650.00 $650.00 $0.00 $125.00 $100.00 $25.00 $400.00 $465.00 ($65.00) $200.00 $220.00 ($20.00) $100.00 $60.00 $40.00 $25.00 $65.00 ($40.00) $100.00 $75.00 $25.00 $50.00 $50.00 $0.00 $200.00 $200.00 $0.00 $240.00 $150.00 $90.00 $2,090.00 $2,035.00 $55.00 FEB 13 MAR 13 APR 13 MAY 13 JUN 13 JUL 13 AUG 13 SEP 13 OCT 13 NOV 13 DEC 13 FEB 13 MAR 13 APR 13 MAY 13 JUN 13 JUL 13 AUG 13 SEP 13 OCT 13 NOV 13 DEC 13
Back to SETUP Go to EXPENSES Go to CURRENT MONTH Go to YEAR-TO-DATE TOTAL AVERAGE $2,166.67 $2,035.00 $131.67 TOTAL $650.00 $650.00 $0.00 $125.00 $100.00 $25.00 $400.00 $465.00 ($65.00) $200.00 $220.00 ($20.00) $100.00 $60.00 $40.00 $25.00 $65.00 ($40.00) $100.00 $75.00 $25.00 $50.00 $50.00 $0.00 $200.00 $200.00 $0.00 $240.00 $150.00 $90.00 $2,090.00 $2,035.00 $55.00 $2,166.67 $2,035.00 $131.67 AVERAGE $650.00 $650.00 $0.00 $125.00 $100.00 $25.00 $400.00 $465.00 ($65.00) $200.00 $220.00 ($20.00) $100.00 $60.00 $40.00 $25.00 $65.00 ($40.00) $100.00 $75.00 $25.00 $50.00 $50.00 $0.00 $200.00 $200.00 $0.00 $240.00 $150.00 $90.00 $2,090.00 $2,035.00 $55.00
BUDGET ACTUAL DIFFERENCE BUDGET ACTUAL DIFFERENCE BUDGET ACTUAL DIFFERENCE BUDGET ACTUAL DIFFERENCE BUDGET ACTUAL DIFFERENCE BUDGET ACTUAL DIFFERENCE
ENTERTAINMENT BUDGET ENTERTAINMENT ACTUAL ENTERTAINMENT DIFFERENCE VACATION BUDGET VACATION ACTUAL VACATION DIFFERENCE CHURCH BUDGET CHURCH ACTUAL CHURCH DIFFERENCE Transportation - Gasoline/Repairs BUDGET Transportation - Gasoline/Repairs ACTUAL Transportation - Gasoline/Repairs DIFFERENCE TOTAL BUDGET TOTAL ACTUAL TOTAL DIFFERENCE
SUMMARY
Page 17
ANNUAL SUMMARY
SAVINGS BY MONTH NET INCOME SPENDING TOTAL SAVINGS JAN 13 $2,166.67 $2,035.00 $131.67 FEB 13 MAR 13 APR 13 MAY 13 JUN 13 JUL 13 AUG 13 SEP 13 OCT 13 NOV 13 DEC 13
Back to SETUP Go to EXPENSES Go to CURRENT MONTH Go to YEAR-TO-DATE TOTAL AVERAGE $2,166.67 $2,035.00 $131.67 $2,166.67 $2,035.00 $131.67
JAN 13
FEB 13
MAR 13
APR 13
MAY 13
JUN 13
JUL 13
AUG 13
SEP 13
OCT 13
NOV 13
SUMMARY
Page 18