Money Manager

INSTRUCTIONS

Intro

Step 1

Vertex42

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Step 5

INSTRUCTIONS

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 (marked with little red triangles) to provide

extra help information.

- 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.

Customize Categories (or don't)

If you need to make changes to the categories, make sure that you make corresponding

changes in ALL the other worksheets.

worksheet and then make sure that the Report and Categories worksheets correspond.

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.

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.

Vertex42® Money Manager

The Vertex42® Money Manager can be a very simple money management tool. Like most

- Backup your file regularly to avoid losing data! Excel files DO get corrupted occasionally.

The easiest way to get started is to just use the default set of budget categories.

TIP: If you are going to customize the categories, it may be easier to start from the Budget

A. If you ADD or DELETE Categories, make sure that you use row operations (copying or

C. No Duplicate Category Names

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.

Define Your List of AccountsList 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.

will make entering the account much faster for you.

To add more accounts, insert rows above this line.

Define your Yearly BudgetDefine 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.

go to the Report worksheet and enter the "Year Begins" date. This will update the month

labels in the Budget worksheet.

enter an average fuel cost in January, then copy the value to other months.

34 by 2, or "=34+12+45" to add a bunch of numbers. Formulas are entered using the

equals "=" sign.

Record TransactionsThe Transactions worksheet lets you record transactions for multiple accounts. Think of a

Examples of different types of transactions are given below.

the formatting, data validation, and formulas get copied correctly.

THE MOST COMMON ERROR is inserting a new row and forgetting to copy formulas,

especially the hidden formulas in columns J-L.

TIP: If you start each account name with a different letter, Excel's autocomplete feature

- For a Financial Year that does not start in January: Before entering your yearly budget,

- You can copy and paste the input cells within the Budget worksheet as needed. For example,

- Use formulas to do basic calculations like "=245/6" to divide 245 by 6 or "=34*2" to multipy

PAYMENT as money leaving the account and a DEPOSIT as money entering the account.

IMPORTANT: You must copy and paste entire rows when adding new rows, to ensure that all

When you insert a blank row, some formatting is copied from the row above it automatically,

Use the screenshot below as a guide for how to enter transactions.

"DEP" for deposit, "TXFR" for transfer, "EFT" for electronic funds transfer, "ACH" for

Automated Clearing House transactions, etc.

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.

"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.

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

but formulas and data validation are not copied. Remember: COPY - PASTE - EDIT

Num: This column is usually used to list the check number, but you can also use it to enter

Category: The Category field is essential to the functionality of this workbook. The Category

IMPORTANT: If you have chosen a category such as "Ted's Fund" and then later remove

Step 4-0: Delete the Sample Rows

Step 4-1: Enter the beginning balance(s):

the balance shown on your bank or credit card statements.

You will probably find that the fastest way to add new transactions is copy and paste similar

below the last transaction. Then, you just need to edit the cells that need to be changed.

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

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

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

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

Step 4-2: Add New Transactions:

previous transactions. You can select one or more rows, copy them, and then paste them

TIP: Always leave the last row in the table BLANK so that you can easily add new rows. To

a SPLIT transaction. You can do this by splitting the transaction into multiple transactions -

Tip: If you want to verify the total amount of the split transaction, you can do a quick

NOTE: The above example assumes that the "payment" to your Credit Card is to pay off the

Fill Handle

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

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

When budgeting, you treat a transfer to Savings as an expense. You'll notice in the Budget

When you see that charges have been processed or "cleared" by your bank, you should

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.

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).

You should reconcile your accounts at least one a month. Reconciling is also commonly known

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.

transaction history table to show a single account at a time.

If you ever have reason to suspect that you forgot to copy formulas, you should UNHIDE

columns J-L and copy the formulas down.

Track Your Progress

daily basis, but you should at least manage your money on a monthly basis.

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

Step 4-3: Record "Cleared" Transactions.

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

The Account Balance reflects your actual or effective balance and is the one you should be

Step 4-4: Reconcile Your Accounts

as "balancing your checkbook".

TIP: If you are familiar with using Excel lists or tables, you can use autofiltering to filter the

Step 4-5: Check Formulas

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

Use the Report worksheet to compare your budget to your actual spending throughout

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.

Transactions worksheet, please see Step 4-5 above (Check Formulas).

IMPORTANT: If the Report worksheet does not appear to be pulling information from the

© 2010 Vertex42 LLC

Input Cell

Label

HELP >> Excel Tips

This is an example comment.

http://www.vertex42.com/ExcelTemplates/money-management-template.html

http://www.vertex42.com/ExcelTips/workbook.html?xls=moneymanager

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Limited Use Policy You may make archival copies and customize this template (the "Software") for personal use only. This template or any document including or derived from this template may NOT be sold, distributed, or placed on a public server such as the internet without the express written permission of Vertex42 LLC. The copyright notice(s) within the spreadsheet may NOT be removed, deleted, or hidden. CAUTION: Check all formulas carefully. We do not guarantee that this spreadsheet is free from errors (see below). No Warranties THE SOFTWARE AND ANY RELATED DOCUMENTATION ARE PROVIDED TO YOU "AS IS." VERTEX42, LLC MAKES NO WARRANTIES, EXPRESS OR IMPLIED, AND EXPRESSLY DISCLAIMS ALL REPRESENTATIONS, ORAL OR WRITTEN, TERMS, CONDITIONS, AND WARRANTIES, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT. WITHOUT LIMITING THE ABOVE YOU ACCEPT THAT THE SOFTWARE MAY NOT MEET YOUR REQUIREMENTS, OPERATE ERROR FREE, OR IDENTIFY ANY OR ALL ERRORS OR PROBLEMS, OR DO SO ACCURATELY. This Agreement does not affect any statutory rights you may have as a consumer. Limitation of Liability IN NO EVENT SHALL VERTEX42, LLC BE LIABLE TO YOU, FOR ANY DAMAGES, INCLUDING ANY LOST PROFITS, LOST SAVINGS, OR ANY OTHER DIRECT, INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES ARISING FROM THE USE OR THE INABILITY TO USE THE SOFTWARE (EVEN IF WE OR AN AUTHORIZED DEALER OR DISTRIBUTOR HAS BEEN ADVISED OF THE POSSIBILITY OF THESE DAMAGES), OR ANY MISTAKES AND NEGLIGENCE IN DEVELOPING THIS SOFTWARE, OR FOR ANY CLAIM BY ANY OTHER PARTY. THE ORGANIZATION, BUSINESS, OR PERSON USING THIS SOFTWARE BEARS ALL RISKS AND RESPONSIBILITY FOR THE QUALITY AND PERFORMANCE OF THIS SOFTWARE. Somes states do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitation may not apply to you.

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This is an example comment.

** ACCOUNTS **

Checking

Savings

BobsCard

JanesCard

[End of List]

How to Budget: Budgeting Tips

Vertex42 Blog: Budgeting

http://www.vertex42.com/ExcelArticles/how-to-budget.html

http://www.vertex42blog.com/categories/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

Yearly Budget Planner© 2010 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

INCOMEWages & 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 SAVINGSEmergency 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/GIFTSTithing 0 0

Charitable Donations 0 0

Religious Donations 0 0

Gifts 0 0

Christmas 0 0

CHARITY - Other 0 0

Total CHARITY/GIFTS 0 0 0 0 0 0 0 0 0 0 0 0 0 0

% of Income - - - - - - - - - - - - - -

HOUSINGMortgage/Rent 0 0

Home/Rental Insurance 0 0

HELP


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Starting Balance: The starting balance is the amount you have in your spending accounts minus the balance(s) you owe in your credit accounts. You can include your savings balance if you want to. The starting balance simply gives the Projected End Balance something to start with.

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Projected End Balance: This is calculated by adding the NET to the previous End Balance. You should always try to maintain a good cushion. If your Projected End Balance drops close to or below zero, you should adjust your budget and plan a way to stay ahead.

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total AverageReal 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 - - - - - - - - - - - - - -

UTILITIESElectricity 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 - - - - - - - - - - - - - -

FOODGroceries 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 - - - - - - - - - - - - - -

TRANSPORTATIONVehicle Payments 0 0

Auto Insurance 0 0

Fuel 0 0

Bus/Taxi/Train Fare 0 0

Repairs/Tires 0 0

Registration/License 0 0

TRANSPORTATION - Other 0 0

Total TRANSPORTATION 0 0 0 0 0 0 0 0 0 0 0 0 0 0

% of Income - - - - - - - - - - - - - -

HEALTHHealth 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

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total AverageTotal HEALTH 0 0 0 0 0 0 0 0 0 0 0 0 0 0

% of Income - - - - - - - - - - - - - -

DAILY LIVINGEducation 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 - - - - - - - - - - - - - -

CHILDRENChildren: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 - - - - - - - - - - - - - -

OBLIGATIONSStudent Loan 0 0

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 EXPENSEDeductible 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

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total AverageVacation/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 - - - - - - - - - - - - - -

SUBSCRIPTIONSNewspaper 0 0

Magazines 0 0

Dues/Memberships 0 0

SUBSCRIPTIONS - Other 0 0

Total SUBSCRIPTIONS 0 0 0 0 0 0 0 0 0 0 0 0 0 0

% of Income - - - - - - - - - - - - - -

MISCELLANEOUSBank 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© 2010 Vertex42 LLC

Account Date Num Payee Memo Category R PAYMENT DEPOSIT BALANCE

Checking 1/01/13 [Balance As of 01/01/2013] [Balance] R 875.00 875.00 875.00 875.00

Savings 1/01/13 [Balance As of 01/01/2013] [Balance] R 2,345.00 2,345.00 2,345.00 3,220.00

BobsCard 1/01/13 [Balance As of 01/01/2013] [Balance] R 256.00 (256.00) (256.00) 2,964.00

Checking 1/01/13 DEP Direct Deposit from Employer Wages & Tips R 1,000.00 1,875.00 1,875.00 3,964.00

Checking 1/10/13 2032 Car Payment Vehicle Payments R 115.20 1,759.80 1,759.80 3,848.80

BobsCard 1/15/13 Joe's Food Mart Groceries R 87.34 (343.34) (343.34) 3,761.46

BobsCard 1/18/13 Fuel Gas/Oil R 100.00 (443.34) (443.34) 3,661.46

Checking 2/05/13 DEP Direct Deposit from Employer Wages & Tips c 1,000.00 2,759.80 2,759.80 4,661.46

Checking 2/10/13 2033 Target Split Clothing 23.10 2,736.70 2,759.80 4,638.36

Checking 2/10/13 2033 Target Split Groceries 45.15 2,691.55 2,759.80 4,593.21

Checking 2/10/13 2033 Target Split Personal Supplies 25.04 2,666.51 2,759.80 4,568.17

Savings 2/15/13 TXFR [From Checking] [Transfer] 200.00 2,545.00 2,345.00 4,768.17

Checking 2/15/13 TXFR [To Savings] Split Emergency Fund 100.00 2,566.51 2,759.80 4,668.17

Checking 2/15/13 TXFR [To Savings] Split Retirement Fund 50.00 2,516.51 2,759.80 4,618.17

Checking 2/15/13 TXFR [To Savings] Split College Fund 50.00 2,466.51 2,759.80 4,568.17

- - 4,568.17

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HELP

Account Balance

Cleared Balance


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Enter the name for the account. Be accurate and consistent, or the Account Balance and Cleared Balance will be incorrect.

C4

Check number, DEP for "Deposit", TXFR for "Transfer", etc. This column is for your information only. Nothing in the workbook refers to it.

G4

Enter "c" for "cleared" or "R" for "Reconciled.

H4

Money LEAVING the account.

I4

Money ENTERING the account.

M4

Sum of DEPOSIT minus PAYMENT for the specified account

N4

Sum of DEPOSIT minus PAYMENT for the specified account, for cleared "c" and reconciled "R" transactions.

O4

Sum of DEPOSIT minus PAYMENT for ALL transactions.

Account Date Num Payee Memo Category R PAYMENT DEPOSIT BALANCEAccount Balance

Cleared Balance

- - 4,568.17

- - 4,568.17

- - 4,568.17

A4

Enter the name for the account. Be accurate and consistent, or the Account Balance and Cleared Balance will be incorrect.

C4

Check number, DEP for "Deposit", TXFR for "Transfer", etc. This column is for your information only. Nothing in the workbook refers to it.

G4

Enter "c" for "cleared" or "R" for "Reconciled.

H4

Money LEAVING the account.

I4

Money ENTERING the account.

M4

Sum of DEPOSIT minus PAYMENT for the specified account

N4

Sum of DEPOSIT minus PAYMENT for the specified account, for cleared "c" and reconciled "R" transactions.

O4

Sum of DEPOSIT minus PAYMENT for ALL transactions.

Monthly Budget Report© 2010 Vertex42 LLC

Year Begins: 1/1/2013 Begin: 2/1/13 0

Month: 2 End: 2/28/13

BUDGET SUMMARY EXPENSE SUMMARY Budget Actual Difference

Budget Actual Difference TO SAVINGS #REF! 200.00 #REF!

Total Income #REF! 1,000.00 #REF! CHARITY/GIFTS #REF! - #REF!

Total Expenses #REF! 293.29 #REF! HOUSING #REF! - #REF!

NET #REF! 706.71 #REF! UTILITIES #REF! - #REF!

FOOD #REF! 45.15 #REF!

TRANSPORTATION #REF! - #REF!

HEALTH #REF! - #REF!

DAILY LIVING #REF! 48.14 #REF!

CHILDREN #REF! - #REF!

OBLIGATIONS #REF! - #REF!

BUSINESS EXPENSE #REF! - #REF!

ENTERTAINMENT #REF! - #REF!

SUBSCRIPTIONS #REF! - #REF!

MISCELLANEOUS #REF! - #REF!

INCOME Budget Actual Difference

Wages & Tips #REF! 1,000.00 #REF!

Interest Income #REF! - #REF!

Dividends #REF! - #REF!

Gifts Received #REF! - #REF!

Refunds/Reimbursements #REF! - #REF!

Financial Aid #REF! - #REF!

Rental Income #REF! - #REF!

INCOME-Other #REF! - #REF!

Total INCOME #REF! 1,000.00 #REF!

TO SAVINGS Budget Actual Difference

Emergency Fund #REF! 100.00 #REF!

Retirement Fund #REF! 50.00 #REF!

College Fund #REF! 50.00 #REF!

Investments #REF! - #REF!

Taxes #REF! - #REF!

Vacation Fund #REF! - #REF!

SAVINGS -Other #REF! - #REF!

Total TO SAVINGS #REF! 200.00 #REF!

% of Income #REF! 20.0%

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!


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!


UTILITIES Budget Actual Difference

Electricity #REF! - #REF!

Gas/Oil #REF! - #REF!

Water/Sewer/Trash #REF! - #REF!

Phone #REF! - #REF!

Cable/Satellite #REF! - #REF!

HELP

TO SAVINGS

CHARITY/GIFTS

HOUSING

UTILITIES

FOOD

TRANSPORTATION

HEALTH

DAILY LIVING

CHILDREN

OBLIGATIONS

BUSINESS EXPENSE

ENTERTAINMENT

SUBSCRIPTIONS

MISCELLANEOUS

Expense Summary Actual Budget

Total Income

Total Expenses

NET

0 200 400 600 800 1000 1200Actual Budget

Year-To-Date


I2


A4

Enter the date of the first day of the month that corresponds to the first column in the Budget worksheet.

A5

Month 1 would be the first month in the Budget worksheet.

Internet #REF! - #REF!

UTILITIES - Other #REF! - #REF!

Total UTILITIES #REF! - #REF!


FOOD Budget Actual Difference

Groceries #REF! 45.15 #REF!

Dining/Eating Out #REF! - #REF!

Pet Food #REF! - #REF!

FOOD - Other #REF! - #REF!

Total FOOD #REF! 45.15 #REF!


TRANSPORTATION Budget Actual Difference

Vehicle Payments #REF! - #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! - #REF!


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!


DAILY LIVING Budget Actual Difference

Education #REF! - #REF!

Clothing #REF! 23.10 #REF!

Personal Supplies #REF! 25.04 #REF!

Cleaning Services #REF! - #REF!

Laundry / Dry Cleaning #REF! - #REF!

Salon/Barber #REF! - #REF!

DAILY LIVING - Other #REF! - #REF!

Total DAILY LIVING #REF! 48.14 #REF!


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!


OBLIGATIONS Budget Actual Difference

Student Loan #REF! - #REF!

Other Loan #REF! - #REF!

Credit Card #1 #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!


BUSINESS EXPENSE Budget Actual Difference

Deductible Expenses #REF! - #REF!

Non-Deductible Expenses #REF! - #REF!

BUSINESS - Other #REF! - #REF!

Total BUSINESS EXPENSE #REF! - #REF!


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!


SUBSCRIPTIONS Budget Actual Difference

Newspaper #REF! - #REF!

Magazines #REF! - #REF!

Dues/Memberships #REF! - #REF!

SUBSCRIPTIONS - Other #REF! - #REF!

Total SUBSCRIPTIONS #REF! - #REF!


MISCELLANEOUS Budget Actual Difference

Bank Fees #REF! - #REF!

Postage #REF! - #REF!

MISC - Other #REF! - #REF!

Total MISCELLANEOUS #REF! - #REF!


[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

InstructionsThis 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".

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

InstructionsThis 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".

Documents

Money Manager