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Vertex42 Money Manager

INSTRUCTIONS © 2010-2014 Vertex42


For Excel 2010 or Later
Intro
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:
- Some of the labels include cell comments (markedThiswith little
is an red triangles) to provide
example
extra help information. comment.

- 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


List the accounts that you want to include in the Transaction History worksheet in the
list to the right. This list will be used to 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.

To add more accounts, insert rows above this line.

Step 3 Define your Yearly Budget


Define your budget using the Budget worksheet. Edit only the cells with the gray outline.
See Vertex42.com and the blog Vertex42Blog.com for tips on 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.

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

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 Large Variable Expenses
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.
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?

One approach is to first transfer the amount saved from Savings to Checking, recording the
transfer as a credit to the expense category. Then, record the actual payment 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. Recording the Actual Insurance Payment:


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 what was previously
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.

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 ever have reason to suspect that you forgot to copy formulas, you should UNHIDE
columns J-L and copy the formulas down.

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.
© 2010-2014 Vertex42 LLC
HELP >> Excel Tips

y formulas,

Input Cell

Label
** ACCOUNTS **
Checking
Savings
BobsCard
JanesCard

[End of List]

How to Budget: Budgeting Tips


Vertex42 Blog: Budgeting
[Transfer] : Normal background color to identify Transfers
[Balance] : Normal background color to identify Beginning Balance
Blah Blah : Category not found in the Categories worksheet
Blah Blah : Category not found in the Budget or Report worksheets

Transactions
each other.
PAYMENT DEPOSIT
150.00

DEPOSIT
200.00
DEPOSIT

200.00

DEPOSIT

cile column).
[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
College Fund
Taxes
Vacation Fund
SAVINGS -Other
***** CHARITY / GIFTS *****
Tithing
Charitable Donations
Religious Donations
Gifts
Christmas
CHARITY - Other
***** HOUSING *****
Mortgage/Rent
Home/Rental Insurance
Real Estate Taxes
Furnishings/Appliances
Lawn/Garden
Maintenance/Supplies
Improvements
HOUSING - Other
***** UTILITIES *****
Electricity
Gas/Oil
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
***** CHILDREN *****
Children:Clothing
Medical
Music Lessons
School Tuition
School Lunch
School Supplies
Babysitting/Child Care
Toys/Games
CHILDREN - Other
***** OBLIGATIONS *****
Student Loan
Other Loan
Credit Card #1
Credit Card #2
Credit Card #3
Alimony/Child Support
Federal Taxes
State/Local Taxes
Legal Fees
OBLIGATIONS - Other
***** BUSINESS EXPENSE *****
Deductible Expenses
Non-Deductible Expenses
BUSINESS - 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.

Making Changes to Categories


- This worksheet uses conditional formatting to detect whether the Category is
found in BOTH the Budget and Report worksheets.
- If a sub-category is highlighted PINK(MAGENTA), then the category needs to
be added to the Budget worksheet.
- A sub-category highlighted BROWN means that the category needs to be
added to the Report worksheet.
- Major categories like *****INCOME***** are used to separate groups of
categories and you should make sure that the sub-categories are grouped
correctly and consistently in the Yearly and Monthly worksheets.

WARNING: Be VERY careful to not use DUPLICATE category names such as


"Other".
Yearly Budget Planner
HELP © 2010-2014 Vertex42 LLC

Starting Balance 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
Projected End Balance 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
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
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Average
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
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Average
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
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Average
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
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Average
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 - - - - - - - - - - - - - -
Transaction History
HELP © 2010-2014 Vertex42 LLC

Account Date Num Payee Memo Category R PAYMENT DEPOSIT Cleared Cleared Account Cleared BALANCE
Payment Deposit Balance Balance

Checking 1/01/14 [Balance As of 01/01/2014] [Balance] R 875.00 - 875.00 875.00 875.00 875.00
Savings 1/01/14 [Balance As of 01/01/2014] [Balance] R 2,345.00 - 2,345.00 2,345.00 2,345.00 3,220.00
BobsCard 1/01/14 [Balance As of 01/01/2014] [Balance] R 256.00 256.00 - (256.00) (256.00) 2,964.00
Checking 1/01/14 DEP Direct Deposit from Employer Wages & Tips R 1,000.00 - 1,000.00 1,875.00 1,875.00 3,964.00
Checking 1/10/14 2032 Car Payment Vehicle Payments R 115.20 115.20 - 1,759.80 1,759.80 3,848.80
BobsCard 1/15/14 Joe's Food Mart Groceries R 87.34 87.34 - (343.34) (343.34) 3,761.46
BobsCard 1/18/14 Fuel Gas/Oil R 100.00 100.00 - (443.34) (443.34) 3,661.46
Checking 2/05/14 DEP Direct Deposit from Employer Wages & Tips c 1,000.00 - 1,000.00 2,759.80 2,759.80 4,661.46
Checking 2/10/14 2033 Target Split Clothing 23.10 - - 2,736.70 2,759.80 4,638.36
Checking 2/10/14 2033 Target Split Groceries 45.15 - - 2,691.55 2,759.80 4,593.21
Checking 2/10/14 2033 Target Split Personal Supplies 25.04 - - 2,666.51 2,759.80 4,568.17
2/15/14 TXFR [From Checking] [Transfer] 200.00 - - 200.00 - 4,768.17
Checking 2/15/14 TXFR [To Savings] Split Emergency Fund 100.00 - - 2,566.51 2,759.80 4,668.17
Checking 2/15/14 TXFR [To Savings] Split Retirement Fund 50.00 - - 2,516.51 2,759.80 4,618.17
Checking 2/15/14 TXFR [To Savings] Split College Fund 50.00 - - 2,466.51 2,759.80 4,568.17
- - 200.00 - 4,568.17
JanesCard - - - - 4,568.17
- - 200.00 - 4,568.17
- - 200.00 - 4,568.17
- - 200.00 - 4,568.17
- - 200.00 - 4,568.17
- - 200.00 - 4,568.17
- - 200.00 - 4,568.17
- - 200.00 - 4,568.17
- - 200.00 - 4,568.17
- - 200.00 - 4,568.17
- - 200.00 - 4,568.17
- - 200.00 - 4,568.17
- - 200.00 - 4,568.17
- - 200.00 - 4,568.17
- - 200.00 - 4,568.17
- - 200.00 - 4,568.17
- - 200.00 - 4,568.17
- - 200.00 - 4,568.17
- - 200.00 - 4,568.17
Account Date Num Payee Memo Category R PAYMENT DEPOSIT Cleared Cleared Account Cleared BALANCE
Payment Deposit Balance Balance

- - 200.00 - 4,568.17
- - 200.00 - 4,568.17
- - 200.00 - 4,568.17
- - 200.00 - 4,568.17
- - 200.00 - 4,568.17
- - 200.00 - 4,568.17
Savings - - 2,345.00 2,345.00 4,568.17
- - 200.00 - 4,568.17
- - 200.00 - 4,568.17
- - 200.00 - 4,568.17
Monthly Budget Report
HELP © 2010-2014 Vertex42 LLC

Year Begins: 1/1/2014 Begin: 1/1/14 Year-To-Date: No 0

Month: 1 End: 1/31/14

BUDGET SUMMARY EXPENSE SUMMARY Budget


Expense Summary Budget Actual
Actual Difference
Budget Actual Difference TO SAVINGS #REF! - #REF!
Total Income #REF! 1,000.00 #REF! CHARITY/GIFTS
TO SAVINGS #REF! - #REF!
Total Expenses #REF! 302.54 #REF! HOUSING #REF! - #REF!
NET #REF! 697.46 #REF! UTILITIES
CHARITY/GIFTS #REF! 100.00 #REF!
FOOD #REF! 87.34 #REF!
Budget Actual TRANSPORTATION
HOUSING #REF! 115.20 #REF!
0 200 400 600 800 1000 1200 HEALTH #REF! - #REF!
DAILY LIVING
UTILITIES #REF! - #REF!
Total Income
CHILDREN #REF! - #REF!
OBLIGATIONS #REF! - #REF!
Total Expenses FOOD
BUSINESS EXPENSE #REF! - #REF!
NET ENTERTAINMENT #REF! - #REF!
TRANSPORTATION
SUBSCRIPTIONS #REF! - #REF!
MISCELLANEOUS #REF! - #REF!
HEALTH
INCOME Budget Actual Difference
Wages & Tips #REF! 1,000.00 #REF!
DAILY LIVING
Interest Income #REF! - #REF!
Dividends #REF! - #REF!
CHILDREN
Gifts Received #REF! - #REF!
Refunds/Reimbursements #REF! - #REF!
Financial Aid #REF! - #REF! OBLIGATIONS

Rental Income #REF! - #REF!


INCOME-Other #REF! - #REF! BUSINESS EXPENSE

Total INCOME #REF! 1,000.00 #REF!


ENTERTAINMENT

TO SAVINGS Budget Actual Difference


Emergency Fund #REF! - #REF! SUBSCRIPTIONS
Retirement Fund #REF! - #REF!
College Fund #REF! - #REF! MISCELLANEOUS
Investments #REF! - #REF!
Taxes #REF! - #REF!
Vacation Fund #REF! - #REF!
SAVINGS -Other #REF! - #REF!
Total TO SAVINGS #REF! - #REF!
% of Income #REF! 0.0%
CHARITY/GIFTS Budget Actual Difference
Tithing #REF! - #REF!
Charitable Donations #REF! - #REF!
Religious Donations #REF! - #REF!
Gifts #REF! - #REF!
Christmas #REF! - #REF!
CHARITY - Other #REF! - #REF!
Total CHARITY/GIFTS #REF! - #REF!
% of Income #REF! 0.0%
HOUSING Budget Actual Difference
Mortgage/Rent #REF! - #REF!
Home/Rental Insurance #REF! - #REF!
Real Estate Taxes #REF! - #REF!
Furnishings/Appliances #REF! - #REF!
Lawn/Garden #REF! - #REF!
Maintenance/Supplies #REF! - #REF!
Improvements #REF! - #REF!
HOUSING - Other #REF! - #REF!
Total HOUSING #REF! - #REF!
% of Income #REF! 0.0%
UTILITIES Budget Actual Difference
Electricity #REF! - #REF!
Gas/Oil #REF! 100.00 #REF!
Water/Sewer/Trash #REF! - #REF!
Phone #REF! - #REF!
Cable/Satellite #REF! - #REF!
Internet #REF! - #REF!
UTILITIES - Other #REF! - #REF!
Total UTILITIES #REF! 100.00 #REF!
% of Income #REF! 10.0%
FOOD Budget Actual Difference
Groceries #REF! 87.34 #REF!
Dining/Eating Out #REF! - #REF!
Pet Food #REF! - #REF!
FOOD - Other #REF! - #REF!
Total FOOD #REF! 87.34 #REF!
% of Income #REF! 8.7%
TRANSPORTATION Budget Actual Difference
Vehicle Payments #REF! 115.20 #REF!
Auto Insurance #REF! - #REF!
Fuel #REF! - #REF!
Bus/Taxi/Train Fare #REF! - #REF!
Repairs/Tires #REF! - #REF!
Registration/License #REF! - #REF!
TRANSPORTATION - Other #REF! - #REF!
Total TRANSPORTATION #REF! 115.20 #REF!
% of Income #REF! 11.5%
HEALTH Budget Actual Difference
Health Insurance #REF! - #REF!
Disability Insurance #REF! - #REF!
Doctor/Dentist/Optometrist #REF! - #REF!
Medicine/Drugs #REF! - #REF!
Health Club Dues #REF! - #REF!
Life Insurance #REF! - #REF!
Veterinarian/Pet Care #REF! - #REF!
HEALTH - Other #REF! - #REF!
Total HEALTH #REF! - #REF!
% of Income #REF! 0.0%
DAILY LIVING Budget Actual Difference
Education #REF! - #REF!
Clothing #REF! - #REF!
Personal Supplies #REF! - #REF!
Cleaning Services #REF! - #REF!
Laundry / Dry Cleaning #REF! - #REF!
Salon/Barber #REF! - #REF!
DAILY LIVING - Other #REF! - #REF!
Total DAILY LIVING #REF! - #REF!
% of Income #REF! 0.0%
CHILDREN Budget Actual Difference
Children:Clothing #REF! - #REF!
Medical #REF! - #REF!
Music Lessons #REF! - #REF!
School Tuition #REF! - #REF!
School Lunch #REF! - #REF!
School Supplies #REF! - #REF!
Babysitting/Child Care #REF! - #REF!
Toys/Games #REF! - #REF!
CHILDREN - Other #REF! - #REF!
Total CHILDREN #REF! - #REF!
% of Income #REF! 0.0%
OBLIGATIONS Budget Actual Difference
Student Loan #REF! - #REF!
Other Loan #REF! - #REF!
Credit Card #1 #REF! - #REF!
Credit Card #2 #REF! - #REF!
Credit Card #3 #REF! - #REF!
Alimony/Child Support #REF! - #REF!
Federal Taxes #REF! - #REF!
State/Local Taxes #REF! - #REF!
Legal Fees #REF! - #REF!
OBLIGATIONS - Other #REF! - #REF!
Total OBLIGATIONS #REF! - #REF!
% of Income #REF! 0.0%
BUSINESS EXPENSE Budget Actual Difference
Deductible Expenses #REF! - #REF!
Non-Deductible Expenses #REF! - #REF!
BUSINESS - Other #REF! - #REF!
Total BUSINESS EXPENSE #REF! - #REF!
% of Income #REF! 0.0%
ENTERTAINMENT Budget Actual Difference
Vacation/Travel #REF! - #REF!
Videos/DVDs #REF! - #REF!
Music #REF! - #REF!
Games #REF! - #REF!
Rentals #REF! - #REF!
Movies/Theater #REF! - #REF!
Concerts/Plays #REF! - #REF!
Books #REF! - #REF!
Hobbies #REF! - #REF!
Film/Photos #REF! - #REF!
Sports #REF! - #REF!
Outdoor Recreation #REF! - #REF!
Toys/Gadgets #REF! - #REF!
ENTERTAINMENT - Other #REF! - #REF!
Total ENTERTAINMENT #REF! - #REF!
% of Income #REF! 0.0%
SUBSCRIPTIONS Budget Actual Difference
Newspaper #REF! - #REF!
Magazines #REF! - #REF!
Dues/Memberships #REF! - #REF!
SUBSCRIPTIONS - Other #REF! - #REF!
Total SUBSCRIPTIONS #REF! - #REF!
% of Income #REF! 0.0%
MISCELLANEOUS Budget Actual Difference
Bank Fees #REF! - #REF!
Postage #REF! - #REF!
MISC - Other #REF! - #REF!
Total MISCELLANEOUS #REF! - #REF!
% of Income #REF! 0.0%
Yearly Income & Expense Report
HELP For Year Beginning 1/1/14 © 2010-2014 Vertex42 LLC

Starting Balance 2,964 [42] Total Avg


Total Income 1,000 1,000 0 0 0 0 0 0 0 0 0 0 2,000 167
Total Expenses 303 293 0 0 0 0 0 0 0 0 0 0 596 50
NET (Income - Expenses) 697 707 0 0 0 0 0 0 0 0 0 0 1,404 117
End Balance 3,661 4,368 4,368 4,368 4,368 4,368 4,368 4,368 4,368 4,368 4,368 4,368

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
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 0 0 0 0 0 0 0 0 0 0 0 0 0 0
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 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Income 0.0% 0.0% - - - - - - - - - - 0.0% 0.0%
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
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Average
% of Income 0.0% 0.0% - - - - - - - - - - 0.0% 0.0%
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
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Average
Newspaper 0 0 0 0 0 0 0 0 0 0 0 0 0 0
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%
Money Management Template

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