Budget and Cash Flow Spreadsheet (CFS)

Step 1 1) Update the orange cell with the date of your simulation start date
Step 2 2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3 3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4 4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
Step 5 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 Bank fees Apartmen Renter's Car Loan Car Ins School Cable Energy Cell Credit Withdrawals Deposits Checking Comments
t Ins loan bill Phone Card Acct Balance
9/8/2016 $ 350.00 $ 3.95 $ 3.95 $ 350.00 $346.05
9/9/2016 $- $346.05
9/10/2016 $- $346.05
9/11/2016 $- $346.05
9/12/2016 $- $346.05
9/13/2016 $- $346.05
9/14/2016 $- $346.05
9/15/2016 $ 1,186.45 $ 0.50 $ 15.00 $ 15.50 $ 1,186.45 $1,517.00
9/16/2016 $- $1,517.00
9/17/2016 $- $1,517.00
9/18/2016 $- $1,517.00
9/19/2016 $ 1.00 $ 610.00 $ 391.40 $ 1,002.40 $514.60
9/20/2016 $- $514.60
9/21/2016 $ 0.50 $ 63.47 $ 63.97 $450.63
9/22/2016 $- $450.63
9/23/2016 $- $450.63
9/24/2016 $- $450.63
9/25/2016 $- $450.63
9/26/2016 $ 0.50 $ 64.00 $ 64.50 $386.13
9/27/2016 $- $386.13
9/28/2016 $ 0.50 $ 54.22 $ 54.72 $331.41
9/29/2016 $ 1,186.45 $- $ 1,186.45 $1,517.86
9/30/2016 $- $1,517.86
10/1/2016 $- $1,517.86
10/2/2016 $- $1,517.86
10/3/2016 $- $1,517.86
10/4/2016 $- $1,517.86
10/5/2016 $ 0.50 $ 405.84 $ 406.34 $1,111.52
10/6/2016 $- $1,111.52
10/7/2016 $ 0.50 $ 650.00 $ 650.50 $461.02
10/8/2016 $- $461.02
10/9/2016 $- $461.02
10/10/2016 $- $461.02
10/11/2016 $- $461.02
10/12/2016 $ 0.50 $ 261.11 $ 261.61 $199.41
10/13/2016 $ 1,186.45 $- $ 1,186.45 $1,385.86
10/14/2016 $ 3.95 $ 3.95 $1,381.91
10/15/2016 $ 0.50 $ 53.86 $ 54.36 $1,327.55
10/16/2016 $- $1,327.55
10/17/2016 $- $1,327.55
10/18/2016 $- $1,327.55
10/19/2016 $ 0.50 $ 64.58 $ 65.08 $1,262.47
10/20/2016 $- $1,262.47
10/21/2016 $- $1,262.47
10/22/2016 $- $1,262.47
10/23/2016 $- $1,262.47
10/24/2016 $ 0.50 $ 195.00 $ 195.50 $1,066.97
10/25/2016 $- $1,066.97
10/26/2016 $- $1,066.97
 Budget and Cash Flow Spreadsheet (CFS)
Step 1 1) Update the orange cell with the date of your simulation start date
Step 2 2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3 3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4 4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
Step 5 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 Bank fees Apartmen Renter's Car Loan Car Ins School Cable Energy Cell Credit Withdrawals Deposits Checking Comments
t Ins loan bill Phone Card Acct Balance
10/27/2016 $ 1,294.77 $ 0.50 $ 64.00 $ 64.50 $ 1,294.77 $2,297.24
10/28/2016 $- $2,297.24
10/29/2016 $- $2,297.24
10/30/2016 $- $2,297.24
10/31/2016 $ 0.50 $ 470.83 $ 471.33 $1,825.91
11/1/2016 $ 0.50 $ 54.22 $ 54.72 $1,771.19
11/2/2016 $- $1,771.19
11/3/2016 $ 0.50 $ 380.84 $ 381.34 $1,389.85
11/4/2016 $- $1,389.85
11/5/2016 $ 1.00 $ 650.00 $ 500.00 $ 1,151.00 $238.85
11/6/2016 $- $238.85
11/7/2016 $- $238.85
11/8/2016 $ 119.73 $- $ 119.73 $358.58
11/9/2016 $- $358.58
11/10/2016 $ 1,221.70 $- $ 1,221.70 $1,580.28
11/11/2016 $- $1,580.28
11/12/2016 $ 0.50 $ 380.84 $ 381.34 $1,198.94
11/13/2016 $- $1,198.94
11/14/2016 $ 3.95 $ 3.95 $1,194.99
11/15/2016 $- $1,194.99
11/16/2016 $ 0.50 $ 500.02 $ 500.52 $694.47
11/17/2016 $ 0.50 $ 68.25 $ 68.75 $625.72
11/18/2016 $ 0.50 $ 84.32 $ 84.82 $540.90
11/19/2016 $- $540.90
11/20/2016 $- $540.90
11/21/2016 $- $540.90
11/22/2016 $- $540.90
11/23/2016 $- $540.90
11/24/2016 $- $540.90
11/25/2016 $- $540.90
11/26/2016 $- $540.90
11/27/2016 $- $540.90
11/28/2016 $- $540.90
11/29/2016 $- $540.90
11/30/2016 $- $540.90
12/1/2016 $- $540.90
12/2/2016 $- $540.90
12/3/2016 $- $540.90
12/4/2016 $- $540.90
12/5/2016 $- $540.90
12/6/2016 $- $540.90
12/7/2016 $- $540.90
12/8/2016 $- $540.90
12/9/2016 $- $540.90
12/10/2016 $- $540.90
12/11/2016 $- $540.90
12/12/2016 $- $540.90
12/13/2016 $- $540.90
12/14/2016 $- $540.90
 Budget and Cash Flow Spreadsheet (CFS)
Step 1 1) Update the orange cell with the date of your simulation start date
Step 2 2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3 3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4 4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
Step 5 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 Bank fees Apartmen Renter's Car Loan Car Ins School Cable Energy Cell Credit Withdrawals Deposits Checking Comments
t Ins loan bill Phone Card Acct Balance
12/15/2016 $- $540.90
12/16/2016 $- $540.90
12/17/2016 $- $540.90
12/18/2016 $- $540.90
12/19/2016 $- $540.90
12/20/2016 $- $540.90
12/21/2016 $- $540.90
12/22/2016 $- $540.90
12/23/2016 $- $540.90
12/24/2016 $- $540.90
12/25/2016 $- $540.90
12/26/2016 $- $540.90
12/27/2016 $- $540.90
12/28/2016 $- $540.90
12/29/2016 $- $540.90
12/30/2016 $- $540.90
12/31/2016 $- $540.90
1/1/2017 $- $540.90
1/2/2017 $- $540.90
1/3/2017 $- $540.90
1/4/2017 $- $540.90
1/5/2017 $- $540.90
1/6/2017 $- $540.90
1/7/2017 $- $540.90
1/8/2017 $- $540.90
1/9/2017 $- $540.90
1/10/2017 $- $540.90
1/11/2017 $- $540.90
1/12/2017 $- $540.90
1/13/2017 $- $540.90
1/14/2017 $- $540.90
1/15/2017 $- $540.90
1/16/2017 $- $540.90
1/17/2017 $- $540.90
1/18/2017 $- $540.90
1/19/2017 $- $540.90
1/20/2017 $- $540.90
1/21/2017 $- $540.90
1/22/2017 $- $540.90
1/23/2017 $- $540.90
1/24/2017 $- $540.90
1/25/2017 $- $540.90
1/26/2017 $- $540.90
1/27/2017 $- $540.90
1/28/2017 $- $540.90
1/29/2017 $- $540.90
1/30/2017 $- $540.90
1/31/2017 $- $540.90
2/1/2017 $- $540.90
 Budget and Cash Flow Spreadsheet (CFS)
Step 1 1) Update the orange cell with the date of your simulation start date
Step 2 2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3 3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4 4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
Step 5 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 Bank fees Apartmen Renter's Car Loan Car Ins School Cable Energy Cell Credit Withdrawals Deposits Checking Comments
t Ins loan bill Phone Card Acct Balance
2/2/2017 $- $540.90
2/3/2017 $- $540.90
2/4/2017 $- $540.90
2/5/2017 $- $540.90
2/6/2017 $- $540.90
2/7/2017 $- $540.90
2/8/2017 $- $540.90
2/9/2017 $- $540.90
2/10/2017 $- $540.90
2/11/2017 $- $540.90
2/12/2017 $- $540.90
2/13/2017 $- $540.90
2/14/2017 $- $540.90
2/15/2017 $- $540.90
2/16/2017 $- $540.90
2/17/2017 $- $540.90
2/18/2017 $- $540.90
2/19/2017 $- $540.90
2/20/2017 $- $540.90
2/21/2017 $- $540.90
2/22/2017 $- $540.90
2/23/2017 $- $540.90
2/24/2017 $- $540.90
2/25/2017 $- $540.90
2/26/2017 $- $540.90
2/27/2017 $- $540.90
2/28/2017 $- $540.90
3/1/2017 $- $540.90
3/2/2017 $- $540.90
3/3/2017 $- $540.90
3/4/2017 $- $540.90
3/5/2017 $- $540.90
3/6/2017 $- $540.90
3/7/2017 $- $540.90
3/8/2017 $- $540.90
3/9/2017 $- $540.90
3/10/2017 $- $540.90
3/11/2017 $- $540.90
3/12/2017 $- $540.90
3/13/2017 $- $540.90
3/14/2017 $- $540.90
3/15/2017 $- $540.90
3/16/2017 $- $540.90
3/17/2017 $- $540.90
3/18/2017 $- $540.90
3/19/2017 $- $540.90
3/20/2017 $- $540.90
3/21/2017 $- $540.90
3/22/2017 $- $540.90
 Budget and Cash Flow Spreadsheet (CFS)
Step 1 1) Update the orange cell with the date of your simulation start date
Step 2 2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3 3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4 4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
Step 5 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 Bank fees Apartmen Renter's Car Loan Car Ins School Cable Energy Cell Credit Withdrawals Deposits Checking Comments
t Ins loan bill Phone Card Acct Balance
3/23/2017 $- $540.90
3/24/2017 $- $540.90
3/25/2017 $- $540.90
3/26/2017 $- $540.90
3/27/2017 $- $540.90
3/28/2017 $- $540.90
3/29/2017 $- $540.90
3/30/2017 $- $540.90
3/31/2017 $- $540.90
4/1/2017 $- $540.90
4/2/2017 $- $540.90
4/3/2017 $- $540.90
4/4/2017 $- $540.90
4/5/2017 $- $540.90
4/6/2017 $- $540.90
4/7/2017 $- $540.90
4/8/2017 $- $540.90
4/9/2017 $- $540.90
4/10/2017 $- $540.90
4/11/2017 $- $540.90
4/12/2017 $- $540.90
4/13/2017 $- $540.90
4/14/2017 $- $540.90
4/15/2017 $- $540.90
4/16/2017 $- $540.90
4/17/2017 $- $540.90
4/18/2017 $- $540.90
4/19/2017 $- $540.90
4/20/2017 $- $540.90
4/21/2017 $- $540.90
4/22/2017 $- $540.90
4/23/2017 $- $540.90
4/24/2017 $- $540.90
4/25/2017 $- $540.90
4/26/2017 $- $540.90
4/27/2017 $- $540.90
4/28/2017 $- $540.90
4/29/2017 $- $540.90
4/30/2017 $- $540.90
5/1/2017 $- $540.90
5/2/2017 $- $540.90
5/3/2017 $- $540.90
5/4/2017 $- $540.90
5/5/2017 $- $540.90
5/6/2017 $- $540.90
5/7/2017 $- $540.90
5/8/2017 $- $540.90
5/9/2017 $- $540.90
5/10/2017 $- $540.90
 Budget and Cash Flow Spreadsheet (CFS)
Step 1 1) Update the orange cell with the date of your simulation start date
Step 2 2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3 3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4 4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
Step 5 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 Bank fees Apartmen Renter's Car Loan Car Ins School Cable Energy Cell Credit Withdrawals Deposits Checking Comments
t Ins loan bill Phone Card Acct Balance
5/11/2017 $- $540.90
5/12/2017 $- $540.90
5/13/2017 $- $540.90
5/14/2017 $- $540.90
5/15/2017 $- $540.90
5/16/2017 $- $540.90
5/17/2017 $- $540.90
5/18/2017 $- $540.90
5/19/2017 $- $540.90
5/20/2017 $- $540.90
5/21/2017 $- $540.90
5/22/2017 $- $540.90
5/23/2017 $- $540.90
5/24/2017 $- $540.90
5/25/2017 $- $540.90
5/26/2017 $- $540.90
5/27/2017 $- $540.90
5/28/2017 $- $540.90
5/29/2017 $- $540.90 Password to unprotect sheet: BudgetChallenge
 Budget and Cash Flow Spreadsheet (CFS)
Step 1 1) Update the orange cell with the date of your simulation start date
Step 2 2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3 3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4 4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
Step 5 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 Bank fees Apartmen Renter's Car Loan Car Ins School Cable Energy Cell Credit Withdrawals Deposits Checking Comments
t Ins loan bill Phone Card Acct Balance
 Budget and Cash Flow Spreadsheet (CFS)
Step 1 1) Update the orange cell with the date of your simulation start date
Step 2 2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3 3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4 4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
Step 5 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 Bank fees Apartmen Renter's Car Loan Car Ins School Cable Energy Cell Credit Withdrawals Deposits Checking Comments
t Ins loan bill Phone Card Acct Balance
 Budget and Cash Flow Spreadsheet (CFS)
Step 1 1) Update the orange cell with the date of your simulation start date
Step 2 2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3 3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4 4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
Step 5 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 Bank fees Apartmen Renter's Car Loan Car Ins School Cable Energy Cell Credit Withdrawals Deposits Checking Comments
t Ins loan bill Phone Card Acct Balance
 Budget and Cash Flow Spreadsheet (CFS)
Step 1 1) Update the orange cell with the date of your simulation start date
Step 2 2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3 3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4 4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
Step 5 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 Bank fees Apartmen Renter's Car Loan Car Ins School Cable Energy Cell Credit Withdrawals Deposits Checking Comments
t Ins loan bill Phone Card Acct Balance
 Budget and Cash Flow Spreadsheet (CFS)
Step 1 1) Update the orange cell with the date of your simulation start date
Step 2 2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3 3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4 4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
Step 5 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 Bank fees Apartmen Renter's Car Loan Car Ins School Cable Energy Cell Credit Withdrawals Deposits Checking Comments
t Ins loan bill Phone Card Acct Balance
 Budget and Cash Flow Spreadsheet (CFS)
Step 1 1) Update the orange cell with the date of your simulation start date
Step 2 2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3 3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4 4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
Step 5 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 Bank fees Apartmen Renter's Car Loan Car Ins School Cable Energy Cell Credit Withdrawals Deposits Checking Comments
t Ins loan bill Phone Card Acct Balance
 Budget and Cash Flow Spreadsheet (CFS)
Step 1 1) Update the orange cell with the date of your simulation start date
Step 2 2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3 3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4 4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
Step 5 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 Bank fees Apartmen Renter's Car Loan Car Ins School Cable Energy Cell Credit Withdrawals Deposits Checking Comments
t Ins loan bill Phone Card Acct Balance
 Budget and Cash Flow Spreadsheet (CFS)
Step 1 1) Update the orange cell with the date of your simulation start date
Step 2 2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3 3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4 4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
Step 5 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 Bank fees Apartmen Renter's Car Loan Car Ins School Cable Energy Cell Credit Withdrawals Deposits Checking Comments
t Ins loan bill Phone Card Acct Balance
 Budget and Cash Flow Spreadsheet (CFS)
Step 1 1) Update the orange cell with the date of your simulation start date
Step 2 2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3 3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4 4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
Step 5 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 Bank fees Apartmen Renter's Car Loan Car Ins School Cable Energy Cell Credit Withdrawals Deposits Checking Comments
t Ins loan bill Phone Card Acct Balance
 Budget and Cash Flow Spreadsheet (CFS)
Step 1 1) Update the orange cell with the date of your simulation start date
Step 2 2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3 3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4 4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
Step 5 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 Bank fees Apartmen Renter's Car Loan Car Ins School Cable Energy Cell Credit Withdrawals Deposits Checking Comments
t Ins loan bill Phone Card Acct Balance
 Budget and Cash Flow Spreadsheet (CFS)
Step 1 1) Update the orange cell with the date of your simulation start date
Step 2 2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3 3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4 4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
Step 5 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 Bank fees Apartmen Renter's Car Loan Car Ins School Cable Energy Cell Credit Withdrawals Deposits Checking Comments
t Ins loan bill Phone Card Acct Balance
 Budget and Cash Flow Spreadsheet (CFS)
Step 1 1) Update the orange cell with the date of your simulation start date
Step 2 2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3 3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4 4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
Step 5 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 Bank fees Apartmen Renter's Car Loan Car Ins School Cable Energy Cell Credit Withdrawals Deposits Checking Comments
t Ins loan bill Phone Card Acct Balance
 Budget and Cash Flow Spreadsheet (CFS)
Step 1 1) Update the orange cell with the date of your simulation start date
Step 2 2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3 3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4 4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
Step 5 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 Bank fees Apartmen Renter's Car Loan Car Ins School Cable Energy Cell Credit Withdrawals Deposits Checking Comments
t Ins loan bill Phone Card Acct Balance
 Budget and Cash Flow Spreadsheet (CFS)
Step 1 1) Update the orange cell with the date of your simulation start date
Step 2 2) Enter you starting bank balance (top cell) and future paychecks (below the top cell)
Step 3 3) Enter in payments to vendors for bills on their expected transaction date (you may need to estimate some bill payments)
Step 4 4) Review bank account every few days. Add any bank fees to Budget and Cash Flow Tool and investigate any discrepancies in balance.
Step 5 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 Bank fees Apartmen Renter's Car Loan Car Ins School Cable Energy Cell Credit Withdrawals Deposits Checking Comments
t Ins loan bill Phone Card Acct Balance