Professional Documents
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This model is intended to help you gain the financial literacy required. It is very simple because building wealth is very simple - in concept. The formats used in this workbook are straightforward and useful as a starting point for organizing personal finances for most people. You can enter your data directly into the worksheets or use them as a guide to create your own worksheets. No warranty is expressed or implied about their suitability to your situation, and we suggest obtaining professional accounting advice if your situation is complex or uncertain.
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Copyright 2007 - 2009 by ROI-Team, Inc. All rights reserved.
Income
Job Bank Interest Stock Dividends Inheritance etc.
Assets
Stocks Bonds Mutual Funds Real Estate etc.
Liabilities
Mortgage Car Payments Credit Card Debt etc.
Expenses
Housing Food Utilities Transportation Taxes etc.
Excess
Equity
141821610.xls.ms_office Intro
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Name
Income Employment Job 2 Job 3 Job 4 Stocks Certificates of Deposit Bonds Mutual Funds Other Other Planned Income Expenses Housing Food Clothing Utilities Medical Entertainment Taxes Other Other Other Planned Expenses Planned Net Cash Flow Cumulative Cash Flow Summary Planned Salaries/Wages Planned Other Income
Plan:
Full Year 2009 12,000 15,000
31-Dec-08
2010 15,000 2011 25,000
27,000
15,000
25,000
28,000
45,000
24,600 3,400 -
27,000 -
15,000 -
25,000 -
28,000 -
45,000 -
141821610.xls.ms_office I Plan
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100
130
169
220
60,000
63,100
66,280
69,627
73,150
60,000 -
63,000 100
66,150 130
69,458 169
72,930 220
141821610.xls.ms_office I Plan
4/24/2013 8:11 PM
Name
Income Employment Job 2 Job 3 Job 4 Stocks Certificates of Deposit Bonds Mutual Funds Other Other Planned Income Expenses Housing Food Clothing Utilities Medical Entertainment Taxes Other Other Other Planned Expenses Planned Net Cash Flow Cumulative Cash Flow Summary Planned Salaries/Wages Planned Other Income
141821610.xls.ms_office I Plan
4/24/2013 8:11 PM
Name
Income Employment Job 2 Job 3 Job 4 Stocks Certificates of Deposit Bonds Mutual Funds Other Other Actual Income Expenses Housing Food Clothing Utilities Medical Entertainment Taxes Other Other Other Actual Expenses Actual Net Cash Flow Cumulative Cash Flow Summary Actual Salaries/Wages Actual Other Income
141821610.xls.ms_office Income
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141821610.xls.ms_office Income
4/24/2013 8:11 PM
Name
Income Employment Job 2 Job 3 Job 4 Stocks Certificates of Deposit Bonds Mutual Funds Other Other Actual Income Expenses Housing Food Clothing Utilities Medical Entertainment Taxes Other Other Other Actual Expenses Actual Net Cash Flow Cumulative Cash Flow Summary Actual Salaries/Wages Actual Other Income
141821610.xls.ms_office Income
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Income History
80,000 70,000
60,000
Actual Income Actual Expenses Actual Net Cash Flow Planned Income Planned Expenses Planned Net Cash Flow
50,000
40,000
30,000
20,000
10,000
2009 2011 2013 2014 2016 2018
2010 2012 2015 2017
(10,000) (20,000)
141821610.xls.ms_office I Chart
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Wealth Track
80,000 70,000
60,000
Actual Net Cash Flow Actual Salaries/Wages Actual Other Income Planned Net Cash Flow Planned Salaries/Wages Planned Other Income
50,000 40,000
30,000
20,000 10,000 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
(10,000)
(20,000)
140,000
120,000
Planned Net Worth Actual Net Worth
100,000 80,000
60,000
141821610.xls.ms_office Wealth
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Name
Assets Cash Savings Checking Other Stocks Certificates of Deposit Bonds Mutual Funds Prepaid Insurance Other Other Total Current Assets Home Second Home Personal Property Automobiles Other Other Other Other Other Loans to Others Retirement Accounts IRA 401k/Profit Sharing Other Tax Deferred Planned Assets Liabilities Automobile Loans Credit Card Debt Housing Line of Credit Other Loans Outstanding Total Current Liabilities Home Mortgage Other Notes Payable Other Long-term Debt Planned Liabilities Planned Net Worth
Plan:
31-Dec-08
2010 1,000 2011 1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
3,000
6,000
9,000
12,000
10,000 11,000
10,000 13,000
10,000 16,000
10,000 19,000
10,000 22,000
11,000 (10,000)
13,000 (12,000)
16,000 (15,000)
19,000 (18,000)
22,000 (21,000)
141821610.xls.ms_office B Plan
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1,000
1,000
1,000
1,000
1,000
141821610.xls.ms_office B Plan
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1,200
5,320
9,852
14,837
1,500
2,775 350,000
6,974 360,500
11,588 371,315
16,660 382,454
352,775
367,474
382,903
399,115
300,000 52,775
291,000 76,474
282,270 100,633
273,802 125,313
141821610.xls.ms_office B Plan
4/24/2013 8:11 PM
1,500
352,775
367,474
382,903
399,115
141821610.xls.ms_office B Plan
4/24/2013 8:11 PM
Name
Assets Cash Savings Checking Other Stocks Certificates of Deposit Bonds Mutual Funds Prepaid Insurance Other Other Total Current Assets Home Second Home Personal Property Automobiles Other Other Other Other Other Loans to Others Retirement Accounts IRA 401k/Profit Sharing Other Tax Deferred Planned Assets Liabilities Automobile Loans Credit Card Debt Housing Line of Credit Other Loans Outstanding Total Current Liabilities Home Mortgage Other Notes Payable Other Long-term Debt Planned Liabilities Planned Net Worth
141821610.xls.ms_office B Plan
4/24/2013 8:11 PM
141821610.xls.ms_office B Plan
4/24/2013 8:11 PM
Name
Assets Cash Savings Checking Other Stocks Certificates of Deposit Bonds Mutual Funds Prepaid Insurance Other Other Total Current Assets Home Second Home Personal Property Automobiles Other Other Other Other Other Loans to Others Retirement Accounts IRA 401k/Profit Sharing Other Tax Deferred Total Assets Liabilities Automobile Loans Credit Card Debt Housing Line of Credit Other Loans Outstanding Total Current Liabilities Home Mortgage Other Notes Payable Other Long-term Debt Total Liabilities Actual Net Worth
141821610.xls.ms_office Balance
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141821610.xls.ms_office Balance
4/24/2013 8:11 PM
141821610.xls.ms_office Balance
4/24/2013 8:11 PM
141821610.xls.ms_office Balance
4/24/2013 8:11 PM
Name
Assets Cash Savings Checking Other Stocks Certificates of Deposit Bonds Mutual Funds Prepaid Insurance Other Other Total Current Assets Home Second Home Personal Property Automobiles Other Other Other Other Other Loans to Others Retirement Accounts IRA 401k/Profit Sharing Other Tax Deferred Total Assets Liabilities Automobile Loans Credit Card Debt Housing Line of Credit Other Loans Outstanding Total Current Liabilities Home Mortgage Other Notes Payable Other Long-term Debt Total Liabilities Actual Net Worth
141821610.xls.ms_office Balance
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141821610.xls.ms_office Balance
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300,000 250,000
200,000 150,000 100,000 50,000
Planned Assets
(50,000)
141821610.xls.ms_office B Chart
4/24/2013 8:11 PM
Name
Where it came from Annual salaries & wages Annual Other Income Sale of assets Increase in liabilities Total from sources Where it went Annual expenses Purchase of assets Paid off liabilities Total to uses Net Cash Cumulative Net Cash
Plan:
Full Year 2009 27,000 11,000 38,000
31-Dec-08
2010 15,000 2,000 17,000 2011 25,000 3,000 28,000 2012 28,000 3,000 31,000
141821610.xls.ms_office C Plan
4/24/2013 8:11 PM
Name
Where it came from Annual salaries & wages Annual Other Income Sale of assets Increase in liabilities Total from sources Where it went Annual expenses Purchase of assets Paid off liabilities Total to uses Net Cash Cumulative Net Cash
141821610.xls.ms_office C Plan
4/24/2013 8:11 PM
Name
Where it came from Annual salaries & wages Annual Other Income Sale of assets Increase in liabilities Total from sources Where it went Annual expenses Purchase of assets Paid off liabilities Total to uses Net Cash Cumulative Net Cash
141821610.xls.ms_office C Plan
4/24/2013 8:11 PM
Name
Where it came from Annual salaries & wages Annual Other Income Sale of assets Increase in liabilities Total from sources Where it went Annual expenses Purchase of assets Paid off liabilities Total to uses Net Cash Cumulative Net Cash
141821610.xls.ms_office Cash
4/24/2013 8:11 PM
Name
Where it came from Annual salaries & wages Annual Other Income Sale of assets Increase in liabilities Total from sources Where it went Annual expenses Purchase of assets Paid off liabilities Total to uses Net Cash Cumulative Net Cash
141821610.xls.ms_office Cash
4/24/2013 8:11 PM
Name
Where it came from Annual salaries & wages Annual Other Income Sale of assets Increase in liabilities Total from sources Where it went Annual expenses Purchase of assets Paid off liabilities Total to uses Net Cash Cumulative Net Cash
141821610.xls.ms_office Cash
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