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Year 2013Name;Current Month 1
January JanuaryChapter 1
BudgetJan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total
Gross Income - - - - - - - - - - - - -
Taxes - - - - - - - - - - - - - Disposable Income - - - - - - - - - - - - -
Savings - - - - - - - - - - - - - Donations - - - - - - - - - - - - - Food - - - - - - - - - - - - - Credit Cards/Loans - - - - - - - - - - - - - Medical/Insurance - - - - - - - - - - - - - House/Utilities - - - - - - - - - - - - - Grooming/Toiletries - - - - - - - - - - - - - Pets - - - - - - - - - - - - - Vehicles - - - - - - - - - - - - - Subscriptions/Books - - - - - - - - - - - - - Entertainment/School - - - - - - - - - - - - -
Clothes/Misc. - - - - - - - - - - - - - Net Income/(Loss) - - - - - - - - - - - - -
CashflowJan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total
Gross Income - - - - - - - - - - - - -
Taxes - - - - - - - - - - - - - Disposable Income - - - - - - - - - - - - -
Savings - - - - - - - - - - - - - Donations - - - - - - - - - - - - - Food - - - - - - - - - - - - - Credit Cards/Loans - - - - - - - - - - - - - Medical/Insurance - - - - - - - - - - - - - House/Utilities - - - - - - - - - - - - - Grooming/Toiletries - - - - - - - - - - - - - Pets - - - - - - - - - - - - - Vehicles - - - - - - - - - - - - - Subscriptions/Books - - - - - - - - - - - - - Entertainment/School - - - - - - - - - - - - -
Clothes/Misc. - - - - - - - - - - - - - Net Income/(Loss) - - - - - - - - - - - - -
Chapter 4Taxes DO NOT USE THIS TABLE TO CALCULATE YOUR TAXSingle #REF!
Not Less Than Not More Than The tax is: Front-end Ratio:
- 7,550 - 10.0% #REF! PITI - #DIV/0! 7,550 30,650 755.00 + 15.0% 7,550 Gross Income - 30,650 74,200 4,220.00 + 25.0% 30,650 74,200 154,800 15,107.50 + 28.0% 74,200 Back-end Ratio:
154,800 336,550 37,675.50 + 33.0% 154,800 PITI + Debt - #DIV/0! 336,550 ------- 97,653.00 + 35.0% 336,550 Gross Income -
Married Filing Jointly or Qualifying Widow(er) - 15,100 - 10.0% #REF! 15,100 61,300 1,510.00 + 15.0% 15,100.00 61,300 123,700 8,440.00 + 25.0% 61,300.00 123,700 188,450 24,040.00 + 28.0% 123,700.00 188,450 336,550 42,170.00 + 33.0% 188,450.00 336,550 ------- 91,043.00 + 35.0% 336,550.00
Married Filing Separately - 7,550 - 10.0% - 7,550 30,650 755.00 + 15.0% 7,550.00 30,650 61,850 4,220.00 + 25.0% 30,650.00 61,850 94,225 12,020.00 + 28.0% 61,850.00 94,225 168,275 21,085.00 + 33.0% 94,225.00 168,275 ------- 45,521.50 + 35.0% 168,275.00
Head of Household - 10,750 - 10.0% - 10,750 41,050 1,075.00 + 15.0% 10,750.00 41,050 106,000 5,620.00 + 25.0% 41,050.00 106,000 171,650 21,857.50 + 28.0% 106,000.00 171,650 336,550 40,239.50 + 33.0% 171,650.00 336,550 ------- 94,656.50 + 35.0% 336,550.00
Long Term Capital Tax Rate #REF!
of the amountover
Budget Template
Gross Income Savings Donations Food Credit Cards/Loans Medical/Insurance House/Utilities Beginning Balance
Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Actual Actual Actual Actual Actual Actual ActualDifference Difference Difference Difference Difference Difference Difference
Taxes Grooming/Toiletries Pets Vehicles Subscriptions/Books Entertainment/School Clothes/Misc.FICAFICA-MD HIFED W/HState W/H
FICA
FICA-MD HI
FED W/H
State W/HFICAFICA-MD HIFED W/HState W/H
Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Actual Actual Actual Actual Actual Actual ActualDifference Difference Difference Difference Difference Difference Difference
SubtotalsGross Income $ - Taxes - Savings - Donations - Food - Credit Cards/Loans - Medical/Insurance - House/Utilities - Grooming/Toiletries - Pets - Vehicles - Subscriptions/Books - Entertainment/School -
Clothes/Misc. - Total -
Beginning Balance -
Net Income/(Loss) - New Balance -
Budget for January2013
0Gross Income Savings Donations Food Credit Cards/Loans Medical/Insurance House/Utilities
Beginning Balance00000000000
Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Actual - Actual - Actual - Actual - Actual - Actual - Actual - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
Taxes Grooming/Toiletries Pets Vehicles Subscriptions/Books Entertainment/School Clothes/Misc.FICA
FICA-MD HIFED W/HState W/H
FICA
FICA-MD HI
FED W/H
State W/HFICA
FICA-MD HIFED W/HState W/H
00
Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Actual - Actual - Actual - Actual - Actual - Actual - Actual - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
SubtotalsGross Income $ - Taxes - Savings - Donations - Food - Credit Cards/Loans - Medical/Insurance - House/Utilities - Grooming/Toiletries - Pets - Vehicles - Subscriptions/Books - Entertainment/School -
Clothes/Misc. - Total -
Beginning Balance -
Net Income/(Loss) - New Balance -
Expenses by Category
Actuals for January2013
0Gross Income Savings Donations Food Credit Cards/Loans Medical/Insurance House/Utilities
Beginning balance $ - 00000000000
Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Budget - Budget - Budget - Budget - Budget - Budget - Budget - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ -
Taxes Grooming/Toiletries Pets Vehicles Subscriptions/Books Entertainment/School Clothes/Misc.FICA
FICA-MD HIFED W/HState W/H
FICA
FICA-MD HI
FED W/H
State W/HFICA
FICA-MD HIFED W/HState W/H
00
Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Budget - Budget - Budget - Budget - Budget - Budget - Budget - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ -
TotalSubtotals SAVINGS Budget Actual Variances
Gross Income $ - Beginning Balance 2,000.00 Gross Income - - - Taxes - Withdrawals: Taxes - - - Savings - Savings - - - Donations - Donations - - - Food - Food - - - Credit Cards/Loans - Credit Cards/Loans - - - Medical/Insurance - Medical/Insurance - - - House/Utilities - House/Utilities - - - Grooming/Toiletries - Deposits: Grooming/Toiletries - - - Pets - Direct Deposits - Pets - - - Vehicles - Vehicles - - - Subscriptions/Books - Interest Subscriptions/Books - - - Entertainment/School - Entertainment/School - - -
Clothes/Misc. - Clothes/Misc. - - - Total - Net Income/(Loss) - - -
New Balance 2,000.00 Beginning Balance -
Net Income/(Loss) - New Balance -
Expenses by Category
Budget for February2013
0Gross Income Savings Donations Food Credit Cards/Loans Medical/Insurance House/Utilities
Beginning Balance $ - 00000000000
Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Actual - Actual - Actual - Actual - Actual - Actual - Actual - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
Taxes Grooming/Toiletries Pets Vehicles Subscriptions/Books Entertainment/School Clothes/Misc.FICA
FICA-MD HIFED W/HState W/H
FICA
FICA-MD HI
FED W/H
State W/HFICA
FICA-MD HIFED W/HState W/H
00
Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Actual - Actual - Actual - Actual - Actual - Actual - Actual - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
SubtotalsGross Income $ - Taxes - Savings - Donations - Food - Credit Cards/Loans - Medical/Insurance - House/Utilities - Grooming/Toiletries - Pets - Vehicles - Subscriptions/Books - Entertainment/School -
Clothes/Misc. - Total -
Beginning Balance -
Net Income/(Loss) - New Balance -
Expenses by Category
Actuals for February2013
0Gross Income Savings Donations Food Credit Cards/Loans Medical/Insurance House/Utilities
Beginning Balance $ - 00000000000
Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Budget - Budget - Budget - Budget - Budget - Budget - Budget - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ -
Taxes Grooming/Toiletries Pets Vehicles Subscriptions/Books Entertainment/School Clothes/Misc.FICA
FICA-MD HIFED W/HState W/H
FICA
FICA-MD HI
FED W/H
State W/HFICA
FICA-MD HIFED W/HState W/H
00
Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Budget - Budget - Budget - Budget - Budget - Budget - Budget - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ -
TotalSubtotals SAVINGS Budget Actual Variances
Gross Income $ - Beginning Balance 2,000.00 Gross Income - - - Taxes - Withdrawals: Taxes - - - Savings - 0 - Savings - - - Donations - Donations - - - Food - Food - - - Credit Cards/Loans - Credit Cards/Loans - - - Medical/Insurance - Medical/Insurance - - - House/Utilities - House/Utilities - - - Grooming/Toiletries - Deposits: Grooming/Toiletries - - - Pets - Direct Deposits - Pets - - - Vehicles - Vehicles - - - Subscriptions/Books - Interest Subscriptions/Books - - - Entertainment/School - Entertainment/School - - -
Clothes/Misc. - Clothes/Misc. - - - Total - Net Income/(Loss) - - -
New Balance 2,000.00 Beginning Balance -
Net Income/(Loss) - New Balance -
Expenses by Category
Budget for March2013
0Gross Income Savings Donations Food Credit Cards/Loans Medical/Insurance House/Utilities
Beginning Balance $ - 00000000000
Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Actual - Actual - Actual - Actual - Actual - Actual - Actual - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
Taxes Grooming/Toiletries Pets Vehicles Subscriptions/Books Entertainment/School Clothes/Misc.FICA
FICA-MD HIFED W/HState W/H
FICA
FICA-MD HI
FED W/H
State W/HFICA
FICA-MD HIFED W/HState W/H
00
Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Actual - Actual - Actual - Actual - Actual - Actual - Actual - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
SubtotalsGross Income $ - Taxes - Savings - Donations - Food - Credit Cards/Loans - Medical/Insurance - House/Utilities - Grooming/Toiletries - Pets - Vehicles - Subscriptions/Books - Entertainment/School -
Clothes/Misc. - Total -
Beginning Balance -
Net Income/(Loss) - New Balance -
Expenses by Category
Actuals for March2013
0Gross Income Savings Donations Food Credit Cards/Loans Medical/Insurance House/Utilities
Beginning Balance $ - 00000000000
Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Budget - Budget - Budget - Budget - Budget - Budget - Budget - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
Taxes Grooming/Toiletries Pets Vehicles Subscriptions/Books Entertainment/School Clothes/Misc.FICA
FICA-MD HIFED W/HState W/H
FICA
FICA-MD HI
FED W/H
State W/HFICA
FICA-MD HIFED W/HState W/H
00
Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Budget - Budget - Budget - Budget - Budget - Budget - Budget - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ -
TotalSubtotals SAVINGS Budget Actual Variances
Gross Income $ - Beginning Balance 2,000.00 Gross Income - - - Taxes - Withdrawals: Taxes - - - Savings - Savings - - - Donations - Donations - - - Food - Food - - - Credit Cards/Loans - Credit Cards/Loans - - - Medical/Insurance - Medical/Insurance - - - House/Utilities - House/Utilities - - - Grooming/Toiletries - Deposits: Grooming/Toiletries - - - Pets - Direct Deposits - Pets - - - Vehicles - Vehicles - - - Subscriptions/Books - Interest Subscriptions/Books - - - Entertainment/School - Entertainment/School - - -
Clothes/Misc. - Clothes/Misc. - - - Total - Net Income/(Loss) - - -
New Balance 2,000.00 Beginning Balance -
Net Income/(Loss) - New Balance -
Expenses by Category
Budget for April2013
0Gross Income Savings Donations Food Credit Cards/Loans Medical/Insurance Utilities
Beginning Balance $ - 00000000000
Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Actual - Actual - Actual - Actual - Actual - Actual - Actual - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
Taxes Grooming/Toiletries Pets Vehicles Subscriptions/Books Entertainment/School Clothes/Misc.FICA
FICA-MD HIFED W/HState W/H
FICA
FICA-MD HI
FED W/H
State W/HFICA
FICA-MD HIFED W/HState W/H
00
Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Actual - Actual - Actual - Actual - Actual - Actual - Actual - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
SubtotalsGross Income $ - Taxes - Savings - Donations - Food - Credit Cards/Loans - Medical/Insurance - Utilities - Grooming/Toiletries - Pets - Vehicles - Subscriptions/Books - Entertainment/School -
Clothes/Misc. - Total -
Beginning Balance -
Net Income/(Loss) - New Balance -
Expenses by Category
Actuals for April2013
0Gross Income Savings Donations Food Credit Cards/Loans Medical/Insurance House/Utilities
Beginning Balance $ - 00000000000
Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Budget - Budget - Budget - Budget - Budget - Budget - Budget - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
Taxes Grooming/Toiletries Pets Vehicles Subscriptions/Books Entertainment/School Clothes/Misc.FICA
FICA-MD HIFED W/HState W/H
FICA
FICA-MD HI
FED W/H
State W/HFICA
FICA-MD HIFED W/HState W/H
00
Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Budget - Budget - Budget - Budget - Budget - Budget - Budget - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ -
TotalSubtotals SAVINGS Budget Actual Variances
Gross Income $ - Beginning Balance 2,000.00 Gross Income - - - Taxes - Withdrawals: Taxes - - - Savings - Savings - - - Donations - Donations - - - Food - Food - - - Credit Cards/Loans - Credit Cards/Loans - - - Medical/Insurance - Medical/Insurance - - - House/Utilities - House/Utilities - - - Grooming/Toiletries - Deposits: Grooming/Toiletries - - - Pets - Direct Deposits - Pets - - - Vehicles - Vehicles - - - Subscriptions/Books - Interest Subscriptions/Books - - - Entertainment/School - Entertainment/School - - -
Clothes/Misc. - Clothes/Misc. - - - Total - Net Income/(Loss) - - -
New Balance 2,000.00 Beginning Balance -
Net Income/(Loss) - New Balance -
Expenses by Category
Budget for May2013
0Gross Income Savings Donations Food Credit Cards/Loans Medical/Insurance House/Utilities
Beginning Balance $ - 00000000000
Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Actual - Actual - Actual - Actual - Actual - Actual - Actual - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
Taxes Grooming/Toiletries Pets Vehicles Subscriptions/Books Entertainment/School Clothes/Misc.FICA
FICA-MD HIFED W/HState W/H
FICA
FICA-MD HI
FED W/H
State W/HFICA
FICA-MD HIFED W/HState W/H
00
Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Actual - Actual - Actual - Actual - Actual - Actual - Actual - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
SubtotalsGross Income $ - Taxes - Savings - Donations - Food - Credit Cards/Loans - Medical/Insurance - House/Utilities - Grooming/Toiletries - Pets - Vehicles - Subscriptions/Books - Entertainment/School -
Clothes/Misc. - Total -
Beginning Balance -
Net Income/(Loss) - New Balance -
Expenses by Category
Actuals for May2013
0Gross Income Savings Donations Food Credit Cards/Loans Medical/Insurance House/Utilities
Beginning Balance $ - 00000000000
Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Budget - Budget - Budget - Budget - Budget - Budget - Budget - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
Taxes Grooming/Toiletries Pets Vehicles Subscriptions/Books Entertainment/School Clothes/Misc.FICA
FICA-MD HIFED W/HState W/H
FICA
FICA-MD HI
FED W/H
State W/HFICA
FICA-MD HIFED W/HState W/H
00
Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Budget - Budget - Budget - Budget - Budget - Budget - Budget - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ -
TotalSubtotals SAVINGS Budget Actual Variances
Gross Income $ - Beginning Balance 2,000.00 Gross Income - - - Taxes - Withdrawals: Taxes - - - Savings - Savings - - - Donations - Donations - - - Food - Food - - - Credit Cards/Loans - Credit Cards/Loans - - - Medical/Insurance - Medical/Insurance - - - House/Utilities - House/Utilities - - - Grooming/Toiletries - Deposits: Grooming/Toiletries - - - Pets - Direct Deposits - Pets - - - Vehicles - Vehicles - - - Subscriptions/Books - Interest Subscriptions/Books - - - Entertainment/School - Entertainment/School - - -
Clothes/Misc. - Clothes/Misc. - - - Total - Net Income/(Loss) - - -
New Balance 2,000.00 Beginning Balance -
Net Income/(Loss) - New Balance -
Expenses by Category
Budget for June2013
0Gross Income Savings Donations Food Credit Cards/Loans Medical/Insurance House/Utilities
Beginning Balance $ - 00000000000
Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Actual - Actual - Actual - Actual - Actual - Actual - Actual - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
Taxes Grooming/Toiletries Pets Vehicles Subscriptions/Books Entertainment/School Clothes/Misc.FICA
FICA-MD HIFED W/HState W/H
FICA
FICA-MD HI
FED W/H
State W/HFICA
FICA-MD HIFED W/HState W/H
00
Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Actual - Actual - Actual - Actual - Actual - Actual - Actual - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
SubtotalsGross Income $ - Taxes - Savings - Donations - Food - Credit Cards/Loans - Medical/Insurance - House/Utilities - Grooming/Toiletries - Pets - Vehicles - Subscriptions/Books - Entertainment/School -
Clothes/Misc. - Total -
Beginning Balance -
Net Income/(Loss) - New Balance -
Expenses by Category
Actuals for June2013
0Gross Income Savings Donations Food Credit Cards/Loans Medical/Insurance House/Utilities
Beginning Balance $ - 00000000000
Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Budget - Budget - Budget - Budget - Budget - Budget - Budget - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
Taxes Grooming/Toiletries Pets Vehicles Subscriptions/Books Entertainment/School Clothes/Misc.FICA
FICA-MD HIFED W/HState W/H
FICA
FICA-MD HI
FED W/H
State W/HFICA
FICA-MD HIFED W/HState W/H
00
Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Budget - Budget - Budget - Budget - Budget - Budget - Budget - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ -
TotalSubtotals SAVINGS Budget Actual Variances
Gross Income $ - Beginning Balance 2,000.00 Gross Income - - - Taxes - Withdrawals: Taxes - - - Savings - Savings - - - Donations - Donations - - - Food - Food - - - Credit Cards/Loans - Credit Cards/Loans - - - Medical/Insurance - Medical/Insurance - - - House/Utilities - House/Utilities - - - Grooming/Toiletries - Deposits: Grooming/Toiletries - - - Pets - Direct Deposits - Pets - - - Vehicles - Vehicles - - - Subscriptions/Books - Interest Subscriptions/Books - - - Entertainment/School - Entertainment/School - - -
Clothes/Misc. - Clothes/Misc. - - - Total - Net Income/(Loss) - - -
New Balance 2,000.00 Beginning Balance -
Net Income/(Loss) - New Balance -
Expenses by Category
Budget for July2013
0Gross Income Savings Donations Food Credit Cards/Loans Medical/Insurance House/Utilities
Beginning Balance $ - 00000000000
Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Actual - Actual - Actual - Actual - Actual - Actual - Actual - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
Taxes Grooming/Toiletries Pets Vehicles Subscriptions/Books Entertainment/School Clothes/Misc.FICA
FICA-MD HIFED W/HState W/H
FICA
FICA-MD HI
FED W/H
State W/HFICA
FICA-MD HIFED W/HState W/H
00
Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Actual - Actual - Actual - Actual - Actual - Actual - Actual - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
SubtotalsGross Income $ - Taxes - Savings - Donations - Food - Credit Cards/Loans - Medical/Insurance - House/Utilities - Grooming/Toiletries - Pets - Vehicles - Subscriptions/Books - Entertainment/School -
Clothes/Misc. - Total -
Beginning Balance -
Net Income/(Loss) - New Balance -
Expenses by Category
Actuals for July2013
0Gross Income Savings Donations Food Credit Cards/Loans Medical/Insurance House/Utilities
Beginning Balance $ - 00000000000
Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Budget - Budget - Budget - Budget - Budget - Budget - Budget - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
Taxes Grooming/Toiletries Pets Vehicles Subscriptions/Books Entertainment/School Clothes/Misc.FICA
FICA-MD HIFED W/HState W/H
FICA
FICA-MD HI
FED W/H
State W/HFICA
FICA-MD HIFED W/HState W/H
00
Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Budget - Budget - Budget - Budget - Budget - Budget - Budget - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ -
TotalSubtotals SAVINGS Budget Actual Variances
Gross Income $ - Beginning Balance 2,000.00 Gross Income - - - Taxes - Withdrawals: Taxes - - - Savings - Savings - - - Donations - Donations - - - Food - Food - - - Credit Cards/Loans - Credit Cards/Loans - - - Medical/Insurance - Medical/Insurance - - - House/Utilities - House/Utilities - - - Grooming/Toiletries - Deposits: Grooming/Toiletries - - - Pets - Direct Deposits - Pets - - - Vehicles - Vehicles - - - Subscriptions/Books - Interest Subscriptions/Books - - - Entertainment/School - Entertainment/School - - -
Clothes/Misc. - Clothes/Misc. - - - Total - Net Income/(Loss) - - -
New Balance 2,000.00 Beginning Balance -
Net Income/(Loss) - New Balance -
Expenses by Category
Budget for August2013
0Gross Income Savings Donations Food Credit Cards/Loans Medical/Insurance House/Utilities
Beginning Balance $ - 00000000000
Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Actual - Actual - Actual - Actual - Actual - Actual - Actual - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
Taxes Grooming/Toiletries Pets Vehicles Subscriptions/Books Entertainment/School Clothes/Misc.FICA
FICA-MD HIFED W/HState W/H
FICA
FICA-MD HI
FED W/H
State W/HFICA
FICA-MD HIFED W/HState W/H
00
Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Actual - Actual - Actual - Actual - Actual - Actual - Actual - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
SubtotalsGross Income $ - Taxes - Savings - Donations - Food - Credit Cards/Loans - Medical/Insurance - House/Utilities - Grooming/Toiletries - Pets - Vehicles - Subscriptions/Books - Entertainment/School -
Clothes/Misc. - Total -
Beginning Balance -
Net Income/(Loss) - New Balance -
Expenses by Category
Actuals for August2013
0Gross Income Savings Donations Food Credit Cards/Loans Medical/Insurance House/Utilities
Beginning Balance $ - 00000000000
Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Budget - Budget - Budget - Budget - Budget - Budget - Budget - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
Taxes Grooming/Toiletries Pets Vehicles Subscriptions/Books Entertainment/School Clothes/Misc.FICA
FICA-MD HIFED W/HState W/H
FICA
FICA-MD HI
FED W/H
State W/HFICA
FICA-MD HIFED W/HState W/H
00
Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Budget - Budget - Budget - Budget - Budget - Budget - Budget - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ -
TotalSubtotals SAVINGS Budget Actual Variances
Gross Income $ - Beginning Balance 2,000.00 Gross Income - - - Taxes - Withdrawals: Taxes - - - Savings - Savings - - - Donations - Donations - - - Food - Food - - - Credit Cards/Loans - Credit Cards/Loans - - - Medical/Insurance - Medical/Insurance - - - House/Utilities - House/Utilities - - - Grooming/Toiletries - Deposits: Grooming/Toiletries - - - Pets - Direct Deposits - Pets - - - Vehicles - Vehicles - - - Subscriptions/Books - Interest Subscriptions/Books - - - Entertainment/School - Entertainment/Scho - - -
Clothes/Misc. - Clothes/Misc. - - - Total - Net Income/(Loss) - - -
New Balance 2,000.00 Beginning Balance -
Net Income/(Loss) - New Balance -
Expenses by Category
Budget for September2013
0Gross Income Savings Donations Food Credit Cards/Loans Medical/Insurance House/Utilities
Beginning Balance $ - 00000000000
Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Actual - Actual - Actual - Actual - Actual - Actual - Actual - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
Taxes Grooming/Toiletries Pets Vehicles Subscriptions/Books Entertainment/School Clothes/Misc.FICA
FICA-MD HIFED W/HState W/H
FICA
FICA-MD HI
FED W/H
State W/HFICA
FICA-MD HIFED W/HState W/H
00
Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Actual - Actual - Actual - Actual - Actual - Actual - Actual - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
SubtotalsGross Income $ - Taxes - Savings - Donations - Food - Credit Cards/Loans - Medical/Insurance - House/Utilities - Grooming/Toiletries - Pets - Vehicles - Subscriptions/Books - Entertainment/School -
Clothes/Misc. - Total -
Beginning Balance -
Net Income/(Loss) - New Balance -
Expenses by Category
Actuals for September2013
0Gross Income Savings Donations Food Credit Cards/Loans Medical/Insurance House/Utilities
Beginning Balance $ - 00000000000
Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Budget - Budget - Budget - Budget - Budget - Budget - Budget - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
Taxes Grooming/Toiletries Pets Vehicles Subscriptions/Books Entertainment/School Clothes/Misc.FICA
FICA-MD HIFED W/HState W/H
FICA
FICA-MD HI
FED W/H
State W/HFICA
FICA-MD HIFED W/HState W/H
00
Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Budget - Budget - Budget - Budget - Budget - Budget - Budget - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ -
TotalSubtotals SAVINGS Budget Actual Variances
Gross Income $ - Beginning Balance 2,000.00 Gross Income - - - Taxes - Withdrawals: Taxes - - - Savings - Savings - - - Donations - Donations - - - Food - Food - - - Credit Cards/Loans - Credit Cards/Loans - - - Medical/Insurance - Medical/Insurance - - - House/Utilities - House/Utilities - - - Grooming/Toiletries - Deposits: Grooming/Toiletries - - - Pets - Direct Deposits - Pets - - - Vehicles - Vehicles - - - Subscriptions/Books - Interest Subscriptions/Books - - - Entertainment/School - Entertainment/School - - -
Clothes/Misc. - Clothes/Misc. - - - Total - Net Income/(Loss) - - -
New Balance 2,000.00 Beginning Balance -
Net Income/(Loss) - New Balance -
Expenses by Category
Budget for October2013
0Gross Income Savings Donations Food Credit Cards/Loans Medical/Insurance House/Utilities
Beginning Balance $ - 00000000000
Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Actual - Actual - Actual - Actual - Actual - Actual - Actual - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
Taxes Grooming/Toiletries Pets Vehicles Subscriptions/Books Entertainment/School Clothes/Misc.FICA
FICA-MD HIFED W/HState W/H
FICA
FICA-MD HI
FED W/H
State W/HFICA
FICA-MD HIFED W/HState W/H
00
Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Actual - Actual - Actual - Actual - Actual - Actual - Actual - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
SubtotalsGross Income $ - Taxes - Savings - Donations - Food - Credit Cards/Loans - Medical/Insurance - House/Utilities - Grooming/Toiletries - Pets - Vehicles - Subscriptions/Books - Entertainment/School -
Clothes/Misc. - Total -
Beginning Balance -
Net Income/(Loss) - New Balance -
Expenses by Category
Actuals for October2013
0Gross Income Savings Donations Food Credit Cards/Loans Medical/Insurance House/Utilities
Beginning Balance $ - 00000000000
Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Budget - Budget - Budget - Budget - Budget - Budget - Budget - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
Taxes Grooming/Toiletries Pets Vehicles Subscriptions/Books Entertainment/School Clothes/Misc.FICA
FICA-MD HIFED W/HState W/H
FICA
FICA-MD HI
FED W/H
State W/HFICA
FICA-MD HIFED W/HState W/H
00
Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Budget - Budget - Budget - Budget - Budget - Budget - Budget - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ -
TotalSubtotals SAVINGS Budget Actual Variances
Gross Income $ - Beginning Balance 2,000.00 Gross Income - - - Taxes - Withdrawals: Taxes - - - Savings - Savings - - - Donations - Donations - - - Food - Food - - - Credit Cards/Loans - Credit Cards/Loans - - - Medical/Insurance - Medical/Insurance - - - House/Utilities - House/Utilities - - - Grooming/Toiletries - Deposits: Grooming/Toiletries - - - Pets - Direct Deposits - Pets - - - Vehicles - Vehicles - - - Subscriptions/Books - Interest Subscriptions/Books - - - Entertainment/School - Entertainment/School - - -
Clothes/Misc. - Clothes/Misc. - - - Total - Net Income/(Loss) - - -
New Balance 2,000.00 Beginning Balance -
Net Income/(Loss) - New Balance -
Expenses by Category
Budget for November2013
0Gross Income Savings Donations Food Credit Cards/Loans Medical/Insurance House/Utilities
Beginning Balance $ - 00000000000
Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Actual - Actual - Actual - Actual - Actual - Actual - Actual - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
Taxes Grooming/Toiletries Pets Vehicles Subscriptions/Books Entertainment/School Clothes/Misc.FICA
FICA-MD HIFED W/HState W/H
FICA
FICA-MD HI
FED W/H
State W/HFICA
FICA-MD HIFED W/HState W/H
00
Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Actual - Actual - Actual - Actual - Actual - Actual - Actual - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
SubtotalsGross Income $ - Taxes - Savings - Donations - Food - Credit Cards/Loans - Medical/Insurance - House/Utilities - Grooming/Toiletries - Pets - Vehicles - Subscriptions/Books - Entertainment/School -
Clothes/Misc. - Total -
Beginning Balance -
Net Income/(Loss) - New Balance -
Expenses by Category
Actuals for November2013
0Gross Income Savings Donations Food Credit Cards/Loans Medical/Insurance House/Utilities
Beginning Balance $ - 00000000000
Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Budget - Budget - Budget - Budget - Budget - Budget - Budget - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
Taxes Grooming/Toiletries Pets Vehicles Subscriptions/Books Entertainment/School Clothes/Misc.FICA
FICA-MD HIFED W/HState W/H
FICA
FICA-MD HI
FED W/H
State W/HFICA
FICA-MD HIFED W/HState W/H
00
Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Budget - Budget - Budget - Budget - Budget - Budget - Budget - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ -
TotalSubtotals SAVINGS Budget Actual Variances
Gross Income $ - Beginning Balance 2,000.00 Gross Income - - - Taxes - Withdrawals: Taxes - - - Savings - Savings - - - Donations - Donations - - - Food - Food - - - Credit Cards/Loans - Credit Cards/Loans - - - Medical/Insurance - Medical/Insurance - - - House/Utilities - House/Utilities - - - Grooming/Toiletries - Deposits: Grooming/Toiletries - - - Pets - Direct Deposits - Pets - - - Vehicles - Vehicles - - - Subscriptions/Books - Interest Subscriptions/Books - - - Entertainment/School - Entertainment/School - - -
Clothes/Misc. - Clothes/Misc. - - - Total - Net Income/(Loss) - - -
New Balance 2,000.00 Beginning Balance -
Net Income/(Loss) - New Balance -
Expenses by Category
Budget for December2013
0Gross Income Savings Donations Food Credit Cards/Loans Medical/Insurance House/Utilities
Beginning Balance $ - 00000000000
Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Actual - Actual - Actual - Actual - Actual - Actual - Actual - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
Taxes Grooming/Toiletries Pets Vehicles Subscriptions/Books Entertainment/School Clothes/Misc.FICA
FICA-MD HIFED W/HState W/H
FICA
FICA-MD HI
FED W/H
State W/HFICA
FICA-MD HIFED W/HState W/H
00
Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Budget $ - Actual - Actual - Actual - Actual - Actual - Actual - Actual - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
SubtotalsGross Income $ - Taxes - Savings - Donations - Food - Credit Cards/Loans - Medical/Insurance - House/Utilities - Grooming/Toiletries - Pets - Vehicles - Subscriptions/Books - Entertainment/School -
Clothes/Misc. - Total -
Beginning Balance -
Net Income/(Loss) - New Balance -
Expenses by Category
Actuals for December2013
0Gross Income Savings Donations Food Credit Cards/Loans Medical/Insurance House/Utilities
Beginning Balance $ - 00000000000
Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Budget - Budget - Budget - Budget - Budget - Budget - Budget - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ - Difference $ -
Taxes Grooming/Toiletries Pets Vehicles Subscriptions/Books Entertainment/School Clothes/Misc.FICA
FICA-MD HIFED W/HState W/H
FICA
FICA-MD HI
FED W/H
State W/HFICA
FICA-MD HIFED W/HState W/H
00
Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Actual $ - Budget - Budget - Budget - Budget - Budget - Budget - Budget - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ - Remaining $ -
TotalSubtotals SAVINGS Budget Actual Variances
Gross Income $ - Beginning Balance 2,000.00 Gross Income - - - Taxes - Withdrawals: Taxes - - - Savings - Savings - - - Donations - Donations - - - Food - Food - - - Credit Cards/Loans - Credit Cards/Loans - - - Medical/Insurance - Medical/Insurance - - - House/Utilities - House/Utilities - - - Grooming/Toiletries - Deposits: Grooming/Toiletries - - - Pets - Direct Deposits - Pets - - - Vehicles - Vehicles - - - Subscriptions/Books - Interest Subscriptions/Books - - - Entertainment/School - Entertainment/School - - -
Clothes/Misc. - Clothes/Misc. - - - Total - Net Income/(Loss) - - -
New Balance 2,000.00 Beginning Balance -
Net Income/(Loss) - New Balance -
Expenses by Category
Budgeted Cash Flow for2013
0January February March April May June July August September October November December Total
Beginning Balance - $ - ######## ######## ######## ######## ######## ######## ######## ######## ######## ######## - 0 - - - - - - - - - - - - - 0 - - - - - - - - - - - - - 0 - - - - - - - - - - - - - 0 - - - - - - - - - - - - - 0 - - - - - - - - - - - - - 0 - - - - - - - - - - - - - 0 - - - - - - - - - - - - - 0 - - - - - - - - - - - - - 0 - - - - - - - - - - - - - 0 - - - - - - - - - - - - - 0 - - - - - - - - - - - - -
Gross Income - - - - - - - - - - - - -
Federal Withholding - - - - - - - - - - - - - FICA - MD HI - - - - - - - - - - - - - FICA - - - - - - - - - - - - - State Withholding - - - - - - - - - - - - -
Total Taxes - - - - - - - - - - - - -
Income after Taxes - - - - - - - - - - - - -
Savings - - - - - - - - - - - - - Donations - - - - - - - - - - - - - Food - - - - - - - - - - - - - Credit Cards/Loans - - - - - - - - - - - - - Medical/Insurance - - - - - - - - - - - - - House/Utilities - - - - - - - - - - - - - Grooming/Toiletries - - - - - - - - - - - - - Pets - - - - - - - - - - - - - Vehicles - - - - - - - - - - - - - Subscriptions/Books - - - - - - - - - - - - - Entertainment/School - - - - - - - - - - - - -
Clothes/Misc. - - - - - - - - - - - - - Total Expenditures - - - - - - - - - - - - -
Net Income/(Loss) - - - - - - - - - - - - -
Cumulative Income/(Loss) - - - - - - - - - - - - -
Balance - - - - - - - - - - - -
Expenses by Category
Actual Cash Flow for2013
0January February March April May June July August September October November December Total
Beginning Balance - $ - ######## ######## ######## ######## ######## ######## ######## ######## ######## ######## - 0 - - - - - - - - - - - - - 0 - - - - - - - - - - - - - 0 - - - - - - - - - - - - - 0 - - - - - - - - - - - - - 0 - - - - - - - - - - - - - 0 - - - - - - - - - - - - - 0 - - - - - - - - - - - - - 0 - - - - - - - - - - - - - 0 - - - - - - - - - - - - - 0 - - - - - - - - - - - - - 0 - - - - - - - - - - - - -
Gross Income - - - - - - - - - - - - -
Federal Withholding - - - - - - - - - - - - - FICA - MD HI - - - - - - - - - - - - - FICA - - - - - - - - - - - - - State Withholding - - - - - - - - - - - - -
Total Taxes - - - - - - - - - - - - -
Income after Taxes - - - - - - - - - - - - -
Savings - - - - - - - - - - - - - Donations - - - - - - - - - - - - - Food - - - - - - - - - - - - - Credit Cards/Loans - - - - - - - - - - - - - Medical/Insurance - - - - - - - - - - - - - House/Utilities - - - - - - - - - - - - - Grooming/Toiletries - - - - - - - - - - - - - Pets - - - - - - - - - - - - - Vehicles - - - - - - - - - - - - - Subscriptions/Books - - - - - - - - - - - - - Entertainment/School - - - - - - - - - - - - -
Clothes/Misc. - - - - - - - - - - - - - Total Expenditures - - - - - - - - - - - - -
Net Income/(Loss) - - - - - - - - - - - - -
Cumulative Income/(Loss) - - - - - - - - - - - - -
Balance - - - - - - - - - - - -
PITI $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Expenses by Category
the password for this spreadsheet is "budget"
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