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picture1_Spreadsheet For Expenses 40823 | 2020 06 10 Budgetsavingsstrateges


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File: Spreadsheet For Expenses 40823 | 2020 06 10 Budgetsavingsstrateges
sheet 1 budget personal budget spreadsheet httpswwwvertex42comexceltemplatespersonalbudgetspreadsheethtml copy 20082019 vertex42 llc this spreadsheet was modified to fit the income and expense categories described in this presentation inaccuracies in categories or ...

icon picture XLSX Filetype Excel XLSX | Posted on 14 Aug 2022 | 3 years ago
Partial file snippet.
Sheet 1: Budget



Personal Budget Spreadsheet





















https://www.vertex42.com/ExcelTemplates/personal-budget-spreadsheet.html












© 2008-2019 Vertex42 LLC









This spreadsheet was modified to fit the income and expense categories described in this presentation. Inaccuracies in categories or calculation methodologies may exist and are to be used on your own risk.

More Budget Templates









Starting Balance 0









[42]












JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 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






CURRENT SPENDING

NET: Income - Expenses BUDGET SURPLUS / DEFICIT 0 0 0 0 0 0 0 0 0 0 0 0 0 0









Projected End Balance 0 0 0 0 0 0 0 0 0 0 0 0

































MONTHLY
ACTUAL
MONTHLY
TARGET
% CHANGE INCOME JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC Total Avg






#VALUE! Income - Me (after tax & deductions)










0 0








#DIV/0! Income - Spouse (after tax & deductions)











0 0








#DIV/0! Other income (rental income, gov't benefits)











0 0








#DIV/0! Investment income; interest, dividends











0 0







#DIV/0! Income from your hobbies











0 0


1




#DIV/0! Refunds/Reimbursements/Gifts Received











0 0








#DIV/0! Selling unused and unneeded items











0 0






0 0 #DIV/0! Total INCOME 0 0 0 0 0 0 0 0 0 0 0 0 0 0









EXPENSES













Calculator





MONTHLY
ACTUAL
MONTHLY
TARGET
% CHANGE FIXED COSTS & REGULAR MONTHLY PAYMENTS JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC Total Avg Annual Annual/
12 mos







#DIV/0! Mortgage/Rent










0 0 0 0






#DIV/0! Condo / strata fees










0 0
0






#DIV/0! Property Taxes (if paid monthly or bi-annually)










0 0
0






#DIV/0! Property Insurance (if paid monthly or bi-annually)










0 0
0






#DIV/0! Heat / Gas / Electricity











0 0
0






#DIV/0! Phone (Residential)











0 0
0






#DIV/0! Netflix, Cable/Satellite











0 0
0






#DIV/0! Internet











0 0
0






#DIV/0! Cell phone(s)











0 0
0






#DIV/0! Childcare / Allowance / Children’s Expenses











0 0
0






#DIV/0! Life or Disability Insurance Premiums Provincial / Employer











0 0
0






#DIV/0! Life insurance - supplemental











0 0
0






#DIV/0! Health Care Premiums (eg. MSP, OHIP)










0 0
0






#DIV/0! Health - Doctor / Dentist / Other - SEE BELOW FOR OTHER











0 0
0






#DIV/0! Health - Medicine / Drugs - SEE BELOW FOR OTHER











0 0
0






#DIV/0! Car Payment










0 0
0






#DIV/0! Car Insurance (if paid monthly)











0 0
0






#DIV/0! Water/Sewer/Trash











0 0
0






#DIV/0! Bank fees / Interest











0 0
0






#DIV/0! Charitable Donation (if paid monthly) - SEE BELOW FOR ANNUAL











0 0
0






#DIV/0! Monthly Payment Credit Card # 1 (if cards paid off monthly, put $0)











0 0
0






#DIV/0! Monthly Payment Credit Card # 2 (if cards paid off monthly, put $0)











0 0
0






#DIV/0! Loan Payment, student loan











0 0
0






#DIV/0! Line of Credit Payment











0 0
0






#DIV/0! SAVINGS











0 0
0






#DIV/0! RRSP /401K, RESP











0 0
0






#DIV/0! Savings Goal #1 - USE BELOW











0 0
0






#DIV/0! Savings Goal #2 - USE BELOW











0 0
0






#DIV/0! Savings Goal #3 - USE BELOW











0 0
0






#DIV/0! Other











0 0
0




0 0 #DIV/0! Total FIXED COSTS & REGULAR MONTHLY PAYMENTS 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0





















Calculator





MONTHLY
ACTUAL
MONTHLY
TARGET
% CHANGE TRANSPORTATION OR 2ND CAR JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC Total Avg Annual Annual/
12 mos







#DIV/0! Car Payments











0 0
0






#DIV/0! Car Insurance











0 0
0






#DIV/0! Fuel - Gas











0 0
0






#DIV/0! Bus/Taxi/ Uber /Train Fare











0 0
0






#DIV/0! Car Repairs and maintenance











0 0
0






#DIV/0! Registration/License











240 20
0






#DIV/0! Other











0 0
0




0 0 #DIV/0! Total TRANSPORTATION OR 2ND CAR 0 0 0 0 0 0 0 0 0 0 0 0 240 20 0 0





















Calculator





MONTHLY
ACTUAL
MONTHLY
TARGET
% CHANGE HEALTH - OTHER FAMILY MEMBER JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC Total Avg Annual Annual/
12 mos







#DIV/0! Health Care Insurance











0 0
0






#DIV/0! Doctor/Dentist











0 0
0






#DIV/0! Medicine/Drugs











0 0
0






#DIV/0! Gym / Health Club Dues











0 0
0






#DIV/0! Life Insurance











0 0
0






#DIV/0! Veterinarian/Pet Care











0 0
0






#DIV/0! Other











0 0
0




0 0 Total HEALTH - OTHER FAMILY MEMBER 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0





















Calculator





MONTHLY
ACTUAL
MONTHLY
TARGET
% CHANGE CHARITY/GIFTS ANNUAL JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC Total Avg Annual Annual/
12 mos







#DIV/0! Gifts Given











0 0
0






#DIV/0! Charitable Donations










0 0
0






#DIV/0! Religious Donations











0 0
0






#DIV/0! Other











0 0
0




0 0 #DIV/0! Total CHARITY/GIFTS ANNUAL 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
































MONTHLY EXPENSES - SOME ARE VARIABLE













Calculator





MONTHLY
ACTUAL
MONTHLY
TARGET
% CHANGE MONTHLY EXPENSES JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC Total Avg Annual Annual/
12 mos








Groceries











0 0
0







Personal Supplies/Vitamins











0 0
0







Pet Food & treats











0 0
0







Personal Salon/Barber/Estitician











0 0
0







Gas











0 0
0







Snacks, Lunches at work, Coffees











0 0
0







Entertainment - USE BELOW CATEGORY FOR BREAKDOWN











0 0
0







Cleaning











0 0
0







Alcohol (beer/wine) or Cigarettes











0 0
0







Furnishings/Appliances











0 0
0







Other











0 0
0




0 0 #DIV/0! Total MONTHLY EXPENSES 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0






















Calculator





MONTHLY
ACTUAL
MONTHLY
TARGET
% CHANGE ENTERTAINMENT - MONTLY BREAKDOWN JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC Total Avg Annual Annual/
12 mos








Dining/Eating Out











0 0
0







Activities











0 0
0







Books











0 0
0







Games











0 0
0







Fun Stuff











0 0
0







Hobbies











0 0
0







Media











0 0
0







Outdoor Recreation











0 0
0







Sports











0 0
0







Toys/Gadgets











0 0
0







Vacation/Travel











0 0
0







Other










0 0
0







SUBSCRIPTIONS











0 0
0







Newspaper, magazines, online











0 0
0







Apps, Amazon prime, etc











0 0
0







Other/Spotify / Apple











0 0
0




0 0 #DIV/0! Total ENTERTAINMENT - MONTLY BREAKDOWN 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0






















Calculator





MONTHLY
ACTUAL
MONTHLY
TARGET
% CHANGE LUMP SUM AND ANNUAL EXPENSES JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC Total Avg Annual Annual/
12 mos








Property Taxes (if paid annually)











0 0
0







Property Insurance (if paid annually)










0 0
0







Home repairs / renovations











0 0
0







Car Repairs and Maintenance











0 0
0







Car Insurance (if paid annually)










0 0
0







Car registration, license, repairs











0 0
0







Medical & Dental











0 0
0







Clubs/Dues/Professional Memberships











0 0
0







Gifts - Birthdays, Christmas, other











0 0
0







Charity / annual - SEE BELOW











0 0
0







Children’s Activities and/or Hobbies











0 0
0







Computer/Electronics supplies and equipment











0 0
0







Furniture / Appliances / durable goods











0 0
0







Self-Improvement











0 0
0







Clubs & Memberships











0 0
0







Professional / Accounting Fees











0 0
0







Travel & Vacations











0 0
0







Other











0 0
0




0 0 #DIV/0! Total LUMP SUM AND ANNUAL EXPENSES 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0






















Calculator





MONTHLY
ACTUAL
MONTHLY
TARGET
% CHANGE OBLIGATIONS- ANNUAL EXPENSES JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC Total Avg Annual Annual/
12 mos








Student Loans











0 0
0







Other Loans











0 0
0







Alimony/Child Support






0 0
0







Federal Taxes











0 0
0







State/Local Taxes











0 0
0







Other











0 0
0




0 0 #DIV/0! Total OBLIGATIONS- ANNUAL EXPENSES 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0






Sheet 2: Help
HELP




https://www.vertex42.com/ExcelTemplates/personal-budget-spreadsheet.html
© 2010-2019 Vertex42 LLC








Intro This personal budget spreadsheet is meant to help you create a budget for an entire year. Doing this will help you make predictions about your future finances. This is especially useful when making major life changes like moving or changing jobs.


Step 1: Define Budget Categories







Each major category is a separate Excel Table. You can edit the sub-categories as needed. If you add or remove a major category (an entire Table), you will need to edit the formulas in the Budget Summary table.










To add a new sub-category to a table, right-click in the table and go to Insert > Table Rows Above. To remove a sub-category from a table, right-click in the table and go to Delete > Table Rows.









Step 2: Enter Your Beginning Balance










Add the balances in your spending accounts (cash, checking) to come up with your starting balance. Enter your balance at the top of the worksheet.










Can can start with a month other than January by editing the column labels. For example, enter "Mar" in place of "Jan," then copy that cell to the right to automatically enter the other month labels.









Step 3: Define Your Budget










Using income and expense data from past receipts, balance statements, bills, pay stubs, and other information that you know about the coming year, fill in the budget amounts for each of the categories.









Fixed Expenses





For fixed expenses, such as rent or mortgage payments, enter the same amount in each month.









Variable Expenses





For variable expenses such as utility bills, groceries, and birthday gifts, you can enter the estimated amounts in the months that they occur. Or, you can enter an estimated monthly average.









Add Cell Comments





Add cell comments as needed to help explain costs. For example, you might include the names of Birthdays in comments for the Gifts Given category















Step 4: Analyze Your Projected End Balance










If your projected end balance is increasing over time, you might consider contributing more to your savings goals.










If your projected end balance drops below what you consider a comfortable cushion, then you may need to cut back on some of your expenses.









Take the Next Step





This worksheet is a simple way to create a monthly budget, but when you are ready to move on to a more advanced budgeting tool, try our Money Management Template listed below.















Related Templates and Resources











► Income and Expense Worksheet










► Money Management Template










► How to Make a Budget with a Spreadsheet










► 12 Principles of Personal Finance




The words contained in this file might help you see if this file matches what you are looking for:

...Sheet budget personal spreadsheet httpswwwvertexcomexceltemplatespersonalbudgetspreadsheethtml copy vertex llc this was modified to fit the income and expense categories described in presentation inaccuracies or calculation methodologies may exist are be used on your own risk more templates starting balance jan feb mar apr jun jul aug sep oct nov dec total avg expenses current spending net surplus deficit projected end monthlyactual monthlytarget change value me after tax amp deductions div spouse other rental gov t benefits investment interest dividends from hobbies refundsreimbursementsgifts received selling unused unneeded items calculator fixed costs regular monthly payments annual mos mortgagerent condo strata fees property taxes if paid biannually insurance heat gas electricity phone residential netflix cablesatellite internet cell s childcare allowance children rsquo life disability premiums provincial employer supplemental health care eg msp ohip doctor dentist see below for me...

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