2010 Budget

This is the spreadsheet that Troy and I have used for two years.
I found a version of this on Troy's

married, and have modified it quite a lot since. This is for PERSONAL USE ONLY!!! Do not sale, cop
way. You must have MY PERMISSION TO POST A LINK TO THIS DOCUMENT on any other website o
** Please note, using this spreadsheet requires a general knowledge of Excel. You can email me fo
answer them as quickly as I can. Or, I can also help you step by step in setting up your own person
type of assistance. I charge $20 per hour to do this and do so via telephone or online chat.
Here is a brief overview of the various sheets:
"Sample Month" - in this sheet I have entered some example numbers and such as a demonstra
family's actual bills or budget goals. Explore this sheet quite a bit. Read the orange demo boxes. P
numbers in the blue and yellow cells to familiarize yourself with the spreadsheet. The blue cells re
yellow represent actual entries. These are the only two colors of cells which you should modify. Al
with specific formulas.
January-December - go through these months first and personalize the spreadsheet to your nee
information in the "Monthly Bills" section. Put your specific income information in the first section.
column headings to meet your needs.
Next, enter the current amount you have in savings in the FORMULA of cell H118 of JANUARY ONLY
adjust accordingly.
Next, enter your budget projections in the blue cells. You can then look at the bottom summary se
shows the amount of money left over after all budgeted expenses. You can then project this amou
paying off debt (H122-123), or a combination of both.
Getting Out of Debt - This sheet is to track your goals with getting out of debt. All the monthly c
programmed witha formula to match your projections and actual in cells H122-123 and I22-123 o
need not change these cells. Instead, follow the instructions in the orange demo box to find out wh
each loan is.
Billing Information - I use this sheet as a means to keep up with all of my bills. This information
passwords and usernames to pay online, addresses and telephone numbers, and even what the la
is applied. This isn't linked to any other sheet in this document, but I find it extremely helpful. I pa
budget spreadsheet to protect these passwords and account numbers. To do that, go to to file me
icon in the top left corner (if you are using 2007). Click on prepare, and select "Encrypt document.
REMEMBER THIS PASSWORD because you will need to enter it each time you open this workbook.
indicate whether they charge a fee for paying online or over the phone. Which, surprisingly, quite
sion of this on Troy's computer when we first got
Y!!! Do not sale, copy nor distribute this in any
any other website or personal blog.
You can email me for simple questions, and I will

g up your own personal budget if you need that
r online chat.
s sheets:
such as a demonstration. These are not my

range demo boxes. Play around by entering
eet. The blue cells represent budget goals, the
ou should modify. All the others are programmed
eadsheet to your needs. Put your specific bill

n in the first section. Go through and adjust any
118 of JANUARY ONLY! The following months will
bottom summary section, at cell B118. This

en project this amount for savings (H115),
ebt. All the monthly cells at the top are

2-123 and I22-123 of each monthly sheet. You
mo box to find out which percentage of debt
ills. This information includes: due dates,

and even what the late fee amount is and when it
xtremely helpful. I password protected my entire
that, go to to file menu, or the microsoft word
"Encrypt document." Set your password.
open this workbook. Cells in column O are to
h, surprisingly, quite a few do.
(SAM
(INC
(Fixed ) 5,000.00 (Variable )
(T&W Security 1/1 payday ) 2,500.00 (Income from Blog )
(T&W Security 1/15 payday ) 2,500.00 (Items Sold on Ebay )
(Total Fixed ) 5,000.00 (Total Variable )
(Total Income ) 7,003.00 7,300.00
(MONTHLY
(Housing ) (Financed Items )
(Mortgage (1) ) 875.49 (Vehicle Loan (1) )
( Pd. Online 1/10 #115545835 ) 875.49
(HOA (1) ) 40.00 (Vehicle Loan (2) )

( Pd. Ck #113 1/1 ) 40.00
(Electricity (15) ) 75.29 (Other Loan (5) )
(Gas Company (1) ) 20.25 (Student Loan (15) )
(Water Company (2) ) 12.15 (Credit Card (1) )
(Monthly Total ) 1,165.49 2,578.50

(Over/Under ) 1,413.01
(EXPE
(Food )
(Groceries ) 400.00 (Dining (going out!) )
(1/15 Albertson's ) 55.28 (1/18 Applebee's )
(1/25 Kroger ) 126.25
(Total ) 181.53 (Total )
(Food Total ) 221.38 440.00

(Over/Under ) 218.62
(Baby/Kid Items )
(Diaper/Wipes ) 50.00 (Formula/Food )
(1/17 Target ) 26.25
(Total ) - (Total )
(Baby/Kids Total ) - 130.00

(Transportation )
(Gas ) 150.00 (Repair/Other )
(1/17 Pep Boys - tires )
(Total ) - (Total )
(Transportation Total ) 298.56 450.00

(Household )
(Cleaning ) 25.00 (Hygiene / Aids )
(Total ) - (Total )
(Apparel Total ) - 55.00

(Over/Under ) 55.00
(Trips/Entertainment/Etc. )
(Travel ) 250.00 (Media )
1/15 Trip to Utah 214.50 (1/15 Redbox )
1/20 Border's
(Total ) 214.50 (Total )
(Entertainment Total ) 225.63 260.00

(Over/Under ) 34.37
(Projections ) (Actual )
(Total Income ) 7,300.00 (Total Income )
(Less: Savings ) 2,000.00 (Less: Savings )
(Less: Total Expenses ) 3,913.50 (Less: Total Expenses )
(Balance ) 1,386.50 (Balance )

This final section is your overview of your monthly budget. The purple area is your goal or
projections, the pink area is the actual spent/earned. This is a good tool to decide what your monthly
savings goals should be. Once you have entered your budgeted amounts in all blue cells above, you
can see what the balance will be in cell B114. Then you can decide of this amount left over, what
amount you'd like to save and what amount you'd like to use to get out of debt.
The amount you decide to make you savings goal, enter into cell H111. The projected debt payoff
goal, enter into cells H118-119, with the debtor in the cell to the left of it. And then, when you have
put that money into savings or sent it to your creditor, put the amount sent or saved in the pink
"actual" cell.
Cells H114 and I114 will only need to be modified in January. Click on those cells, now look in the
formula box at the top of the excel program. It should say an amount + H111-H113 (for H114) and
an amount +I111-I113 (for I114). The amount at the front of the formula should reflect the amount
you currently have in savings from previous years. Leave the "+H111-H113" just change the
amount. February-December sheets will automatically adjust accordingly. You will only need to enter
savings goals and actual savings for those months in cell H111 and I111.
(SAMPLE )
(INCOME )
(Goal ) (Actual )(Miscellaneous Income ) 2,000.00
100.00 78.00 (Income Tax ) 1,750.00
200.00 175.00
300.00 253.00 (Total Miscellaneous ) 1,750.00
(MONTHLY EXPENSES )
(Miscellaneous )
265.25 (Vehicle Insurance (10) ) 224.00
150.25 (Cable/Internet (15) ) 42.10
50.35 (Cell Phone Service (12) ) 165.12
50.00 (Gym Membership (10) ) 31.00
This area is for expenses that are paid to another person or company monthly
12.25
the projected area (i.e. B19) of the utility bills I enter the previous year's amo
for that same month. The loans and mortgage amounts are a fixed amount, s
enter the exact number. Cell K19 is formulated to figure 10% of total income
B15) for projected tithing. The quarterly bills will obviously not apply to each
month. Place them only in the month they are due. Again the totals of project
and actual (C35/B35) are already formulated. Cell B36 calculates the differen
the two.
The yellow highlighted areas are a place to keep up with amount paid, dates
(EXPENSES ) check number and/or transaction or confirmation numbers if paid online or vi
phone.
25.00 (Fast Food/Conv Store Food ) 15.00
18.29 (1/10 McDonalds ) 21.56
The next few sections are
expenses such as food, ga
etc. The blue cells, again a
goal or budgeted amounts
each separate expenditure
below. You can add or take
The next few sections are
expenses such as food, ga
etc. The blue cells, again a
goal or budgeted amounts
each separate expenditure
below. You can add or take
section, but be sure to adju
formulas to work according
again requires some know
excel. Or if you would like
walk you through this proc
so over the phone or over
18.29 21.56 screen for $15 per hour.
(Total )
80.00
300.00
298.56
298.56
30.00
-
10.00 (Other ) -
2.14
8.99
11.13 (Total ) -
(Projected ) (Actual )
7,003.00 (Monthly Savings ) 2,000.00 1,500.00
1,500.00 YTD Savings 2,000.00 -
1,911.06 (Withdrawal from Savings ) - -
3,591.94 (Current Savings Balance 3),258.00 1,500.00
rea is your goal or
to decide what your monthly
s in all blue cells above, you (Pay Off Debt ) (Projected )(Actual )
is amount left over, what (Jeep Loan ) 1,000.00
of debt.
(Total Spent Getting Out of Debt ) 1,000.00 -
The projected debt payoff
t. And then, when you have
ent or saved in the pink
ose cells, now look in the

H111-H113 (for H114) and
a should reflect the amount
H113" just change the
y. You will only need to enter
.
(Tithing )
(Church ) 530.00
( ck# 112 pd. 1/24 ) 250.00
(Quarterly )
(Sewer Bill ) -
(Garbage Bill ) 35.00
r person or company monthly. In

nter the previous year's amount
mounts are a fixed amount, so I
o figure 10% of total income (cell
obviously not apply to each
ue. Again the totals of projected
ll B36 calculates the difference of
up with amount paid, dates paid,

n numbers if paid online or via
The next few sections are for other

expenses such as food, gas, clothing,
etc. The blue cells, again are for your
goal or budgeted amounts. The enter
each separate expenditure in the areas
below. You can add or take away any
The next few sections are for other
expenses such as food, gas, clothing,
etc. The blue cells, again are for your
goal or budgeted amounts. The enter
each separate expenditure in the areas
below. You can add or take away any
section, but be sure to adjust the
formulas to work accordingly. This
again requires some knowledge of
excel. Or if you would like for me to
walk you through this process, I will do
so over the phone or over a chat
screen for $15 per hour.
(JANU
(INCO
(Fixed ) - (Variable ) (Goal )
(Total Fixed ) - (Total Variable ) -
(Total Income ) - -
(MONTHLY E
(Mortgage (1) ) - (Vehicle Loan (1) ) -
(HOA (1) ) - (Vehicle Loan (2) ) -
(Electricity (15) ) - (Other Loan (5) ) -
(Gas Company (1) ) - (Student Loan (15) ) -
(Water Company (2) ) - (Credit Card (1) ) -
(Monthly Total ) - -
(Over/Under ) -
(EXPEN
(Food )
(Groceries ) - (Dining (going out!) ) -
(Total ) - (Total ) -
(Food Total ) - -
(Over/Under ) -
(Baby/Kid Items )
(Diaper/Wipes ) - (Formula/Food ) -
(Apparel Total ) - -
(Over/Under ) -
(Transportation )
(Gas ) - (Repair/Other ) -
(Transportation Total ) - -
(Over/Under ) -
(Household )
(Cleaning ) - (Hygiene / Aids ) -
(Baby/Kids Total ) - -
(Over/Under ) -
(Travel ) - (Media ) -
(Entertainment Total ) - -
(Over/Under ) -
(Total Income ) - (Total Income ) -
(Less: Savings ) - (Less: Savings ) -
(Less: Total Expenses ) - (Less: Total Expenses ) -
(Balance ) - (Savings ) -
(JANUARY )
(INCOME )
(Actual )(Miscellaneous Income ) -
- (Total Miscellaneous ) -
(MONTHLY EXPENSES )
(Miscellaneous )
(Vehicle Insurance (10) ) -
(Cable/Internet (15) ) -
(Cell Phone Service (12) ) -
(Gym Membership (10) ) -
(EXPENSES )
(Fast Food/Conv Store Food ) -
(Total ) -
(Other ) -
(Total ) -
(Monthly Savings ) - -
YTD Savings - -
(Withdrawal from Savings ) - -
(Current Savings Balance ) - -
(Pay Off Debt ) (Projected )(Actual )

- -
- -
(Total Spent Getting Out of Debt ) - -
(Tithing )
(Church ) -
(Quarterly )
(Sewer Bill ) -
(Garbage Bill ) -
(FEBRU
(INCO
(Total Income ) - -
(MONTHLY E
(Over/Under ) -
(EXPEN
(Food )
(Food Total ) - -
(Over/Under ) -
(Baby/Kid Items )
(Over/Under ) -
(Transportation )
(Over/Under ) -
(Household )
(Over/Under ) -
(Over/Under ) -
(FEBRUARY )
(INCOME )
(MONTHLY EXPENSES )
(Miscellaneous )
(EXPENSES )
(Total ) -
(Other ) -
(Total ) -
YTD Savings - -

- -
- -
(Tithing )
(Church ) -
(Quarterly )
(Sewer Bill ) -
(Garbage Bill ) -
(MAR
(INCO
(Total Income ) - -
(MONTHLY E
(Over/Under ) -
(EXPEN
(Food )
(Food Total ) - -
(Over/Under ) -
(Baby/Kid Items )
(Over/Under ) -
(Transportation )
(Over/Under ) -
(Household )
(Over/Under ) -
(Over/Under ) -
(MARCH )
(INCOME )
(MONTHLY EXPENSES )
(Miscellaneous )
(EXPENSES )
(Total ) -
(Other ) -
(Total ) -
YTD Savings - -

- -
- -
(Tithing )
(Church ) -
(Quarterly )
(Sewer Bill ) -
(Garbage Bill ) -
(APR
(INCO
(Total Income ) - -
(MONTHLY E
(Over/Under ) -
(EXPEN
(Food )
(Food Total ) - -
(Over/Under ) -
(Baby/Kid Items )
(Over/Under ) -
(Transportation )
(Over/Under ) -
(Household )
(Over/Under ) -
(Over/Under ) -
(APRIL )
(INCOME )
(MONTHLY EXPENSES )
(Miscellaneous )
(EXPENSES )
(Total ) -
(Other ) -
(Total ) -
YTD Savings - -

- -
- -
(Tithing )
(Church ) -
(Quarterly )
(Sewer Bill ) -
(Garbage Bill ) -
(MA
(INCO
(Total Income ) - -
(MONTHLY E
(Over/Under ) -
(EXPEN
(Food )
(Food Total ) - -
(Over/Under ) -
(Baby/Kid Items )
(Over/Under ) -
(Transportation )
(Over/Under ) -
(Household )
(Over/Under ) -
(Over/Under ) -
(MAY )
(INCOME )
(MONTHLY EXPENSES )
(Miscellaneous )
(EXPENSES )
(Total ) -
(Other ) -
(Total ) -
YTD Savings - -

- -
- -
(Tithing )
(Church ) -
(Quarterly )
(Sewer Bill ) -
(Garbage Bill ) -
(JUN
(INCO
(Total Income ) - -
(MONTHLY E
(Over/Under ) -
(EXPEN
(Food )
(Food Total ) - -
(Over/Under ) -
(Baby/Kid Items )
(Over/Under ) -
(Transportation )
(Over/Under ) -
(Household )
(Over/Under ) -
(Over/Under ) -
(JUNE )
(INCOME )
(MONTHLY EXPENSES )
(Miscellaneous )
(EXPENSES )
(Total ) -
(Other ) -
(Total ) -
YTD Savings - -

- -
- -
(Tithing )
(Church ) -
(Quarterly )
(Sewer Bill ) -
(Garbage Bill ) -
(JUL
(INCO
(Total Income ) - -
(MONTHLY E
(Over/Under ) -
(EXPEN
(Food )
(Food Total ) - -
(Over/Under ) -
(Baby/Kid Items )
(Over/Under ) -
(Transportation )
(Over/Under ) -
(Household )
(Over/Under ) -
(Over/Under ) -
(JULY )
(INCOME )
(MONTHLY EXPENSES )
(Miscellaneous )
(EXPENSES )
(Total ) -
(Other ) -
(Total ) -
YTD Savings - -

- -
- -
(Tithing )
(Church ) -
(Quarterly )
(Sewer Bill ) -
(Garbage Bill ) -
(AUGU
(INCO
(Total Income ) - -
(MONTHLY E
(Over/Under ) -
(EXPEN
(Food )
(Food Total ) - -
(Over/Under ) -
(Baby/Kid Items )
(Over/Under ) -
(Transportation )
(Over/Under ) -
(Household )
(Over/Under ) -
(Over/Under ) -
(AUGUST )
(INCOME )
(MONTHLY EXPENSES )
(Miscellaneous )
(EXPENSES )
(Total ) -
(Other ) -
(Total ) -
YTD Savings - -

- -
- -
(Tithing )
(Church ) -
(Quarterly )
(Sewer Bill ) -
(Garbage Bill ) -
(SEPTEM
(INCO
(Total Income ) - -
(MONTHLY E
(Over/Under ) -
(EXPEN
(Food )
(Food Total ) - -
(Over/Under ) -
(Baby/Kid Items )
(Over/Under ) -
(Transportation )
(Over/Under ) -
(Household )
(Over/Under ) -
(Over/Under ) -
(SEPTEMBER )
(INCOME )
(MONTHLY EXPENSES )
(Miscellaneous )
(EXPENSES )
(Total ) -
(Other ) -
(Total ) -
YTD Savings - -

- -
- -
(Tithing )
(Church ) -
(Quarterly )
(Sewer Bill ) -
(Garbage Bill ) -
(OCTO
(INCO
(Total Income ) - -
(MONTHLY E
(Over/Under ) -
(EXPEN
(Food )
(Food Total ) - -
(Over/Under ) -
(Baby/Kid Items )
(Over/Under ) -
(Transportation )
(Over/Under ) -
(Household )
(Over/Under ) -
(Over/Under ) -
(OCTOBER )
(INCOME )
(MONTHLY EXPENSES )
(Miscellaneous )
(EXPENSES )
(Total ) -
(Other ) -
(Total ) -
YTD Savings - -

- -
- -
(Tithing )
(Church ) -
(Quarterly )
(Sewer Bill ) -
(Garbage Bill ) -
(NOVEM
(INCO
(Total Income ) - -
(MONTHLY E
(Over/Under ) -
(EXPEN
(Food )
(Food Total ) - -
(Over/Under ) -
(Baby/Kid Items )
(Over/Under ) -
(Transportation )
(Over/Under ) -
(Household )
(Over/Under ) -
(Over/Under ) -
(NOVEMBER )
(INCOME )
(MONTHLY EXPENSES )
(Miscellaneous )
(EXPENSES )
(Total ) -
(Other ) -
(Total ) -
YTD Savings - -

- -
- -
(Tithing )
(Church ) -
(Quarterly )
(Sewer Bill ) -
(Garbage Bill ) -
(DECEM
(INCO
(Total Income ) - -
(MONTHLY E
(Over/Under ) -
(EXPEN
(Food )
(Food Total ) - -
(Over/Under ) -
(Baby/Kid Items )
(Over/Under ) -
(Transportation )
(Over/Under ) -
(Household )
(Over/Under ) -
(Over/Under ) -
(DECEMBER )
(INCOME )
(MONTHLY EXPENSES )
(Miscellaneous )
(EXPENSES )
(Total ) -
(Other ) -
(Total ) -
YTD Savings - -

- -
- -
(Tithing )
(Church ) -
(Quarterly )
(Sewer Bill ) -
(Garbage Bill ) -
Getting Out of De
Debtor 1
January February March April May June
Projected: #NAME? #NAME? #NAME? #NAME? #NAME? #NAME?
Actual: #NAME? #NAME? #NAME? #NAME? #NAME? #NAME?
Debtor 2
Projected: - - - - - -
Actual: - - - - - -
Total OwedPercentage of Debt

Debt 1 - #DIV/0!
Debt 2 - #DIV/0!
Debt 3 - #DIV/0!
Debt 4 - #DIV/0!
- #DIV/0!
** Cells A17-20 and B17-20: Type the various debts that you have, and the rounded amount owed.
the payoff changes by a few dollars monthy. The spreadsheet will automatically calculate percenta
not have to type anything in the above cells. They are formatted to take information from your mo
** In cells 3 and 9, type the two (in our case) debtors that you plan on working to pay off this year.
work on, you will
need to copy and paste and adjust the formulas. Again, using this spreadsheet requires a basic kno
ng Out of Debt
Debtor 1
July August September October November December Total
#NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME?
#NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME?
Debtor 2
July August September October November December Total Grand Total
- #NAME? #NAME? #NAME? #NAME? #NAME? #NAME? #NAME?
- - - - #NAME? #NAME? #NAME? #NAME?
he rounded amount owed. (Round the amounts because

atically calculate percentage of debt and totals. You do
information from your monthly sheets.
orking to pay off this year. If you have more you plan to
sheet requires a basic knowledge of Excel.

Percentage of Total Debt Paid
#NAME?
BILLING INFORMATION
Banking Institute Checking Account Savings Account
Payee Name Type Usual Due Date

(Amount DueExact/Avg
)
Example: Metlife Loans Mortgage 1st 875.56 Exact
ORMATION
Website Username Password
Website Username Password

www.metlifehomeloans.com Username1 password2
Phone Number
Account Number Pin Number

Phone Number
553151465841 n/a 800-555-1755
Address
Address (Late Fee

Late
) Fee Date
(Online Fee )
100 Main St., Las Vegas, NV 89149 25.00 15th 15.95

2010 Budget

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2010 Budget

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This is the spreadsheet that Troy and I have used for two years.

I found a version of this on Troy's

Here is a brief overview of the various sheets:

You can email me for simple questions, and I will

such as a demonstration. These are not my

eadsheet to your needs. Put your specific bill

118 of JANUARY ONLY! The following months will

bottom summary section, at cell B118. This

ebt. All the monthly cells at the top are

ills. This information includes: due dates,

(Total Fixed ) 5,000.00 (Total Variable )

(Total Income ) 7,003.00 7,300.00

(HOA (1) ) 40.00 (Vehicle Loan (2) )

(Electricity (15) ) 75.29 (Other Loan (5) )

(Gas Company (1) ) 20.25 (Student Loan (15) )

(Water Company (2) ) 12.15 (Credit Card (1) )

(Monthly Total ) 1,165.49 2,578.50

(Food Total ) 221.38 440.00

(Baby/Kids Total ) - 130.00

(Transportation Total ) 298.56 450.00

(Apparel Total ) - 55.00

(Total ) 214.50 (Total )

(Entertainment Total ) 225.63 260.00

(Balance ) 1,386.50 (Balance )

300.00 253.00 (Total Miscellaneous ) 1,750.00

150.25 (Cable/Internet (15) ) 42.10

50.35 (Cell Phone Service (12) ) 165.12

50.00 (Gym Membership (10) ) 31.00

ose cells, now look in the

(Garbage Bill ) 35.00

r person or company monthly. In

up with amount paid, dates paid,

The next few sections are for other

(Total Fixed ) - (Total Variable ) -

(HOA (1) ) - (Vehicle Loan (2) ) -

(Electricity (15) ) - (Other Loan (5) ) -

(Gas Company (1) ) - (Student Loan (15) ) -

(Water Company (2) ) - (Credit Card (1) ) -

(Cell Phone Service (12) ) -

(Gym Membership (10) ) -

(Pay Off Debt ) (Projected )(Actual )

(Total Fixed ) - (Total Variable ) -

(HOA (1) ) - (Vehicle Loan (2) ) -

(Electricity (15) ) - (Other Loan (5) ) -

(Gas Company (1) ) - (Student Loan (15) ) -

(Water Company (2) ) - (Credit Card (1) ) -

(Cell Phone Service (12) ) -

(Gym Membership (10) ) -

(Pay Off Debt ) (Projected )(Actual )

(Total Fixed ) - (Total Variable ) -

(HOA (1) ) - (Vehicle Loan (2) ) -

(Electricity (15) ) - (Other Loan (5) ) -

(Gas Company (1) ) - (Student Loan (15) ) -

(Water Company (2) ) - (Credit Card (1) ) -

(Cell Phone Service (12) ) -

(Gym Membership (10) ) -

(Pay Off Debt ) (Projected )(Actual )

(Total Fixed ) - (Total Variable ) -

(HOA (1) ) - (Vehicle Loan (2) ) -

(Electricity (15) ) - (Other Loan (5) ) -

(Gas Company (1) ) - (Student Loan (15) ) -

(Water Company (2) ) - (Credit Card (1) ) -

(Cell Phone Service (12) ) -