Step 1: Categories and Budgeting

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Step 2: Individu

1. Delete, rename, or add categories as necessary. 2. Do not delete "Unplanned Savings" and "Planned Savings" Categories 3. Set a monthly budget for each category

1. Write each expense in a new row, wi 2. Write in costs as a positive number. 3. Include taxes.

Category Unplanned Savings Planned Savings Utilities Food Insurance Transportation Personal Care Entertainment Miscellaneous Charity Taxes Housing

Monthly Budget

Month

Day

Step 2: Individual Expenses

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Step 3: Pre-Tax (Gross) Income.

1. Write each expense in a new row, with a month and category. 2. Write in costs as a positive number. 3. Include taxes.

1. Write pre-tax income for each month.

Transaction

Category

Cost

Month 1 2 3 4 5 6 7 8 9 10 11 12 Year to date Running Total

Step 3: Pre-Tax (Gross) Income.

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Step 4: Savings and Spending Analysis (Don't Edit: these are automatically calculated and updat

rite pre-tax income for each month.

1. See how savings and spending changes month by month.

Income

Month 1 2 3 4 5 6 7 8 9 10 11 12 Year to date Running Totals

Spending 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Unplanned Savings 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Unplanned Savings % of Income

$0.00

0.00

Spending Analysis cally calculated and updated)

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Step 5: Category Analysis and (Don't Edit: these are automatically calc

1. Copy down formulas from row 21 if you add 2. See how your monthly average is comparing t

Planned Savings $ $ $ $ $ $ $ $ $ $ $ $ -

Total Savings Total Savings % of Income 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Category Unplanned Savings Planned Savings Utilities Food Insurance Transportation Personal Care Entertainment Miscellaneous Charity Taxes Housing

Total Category $ $ $ $ $ $ $ $ $ $ $ $ -

0.00

0.00

Step 5: Category Analysis and Budgeting it: these are automatically calculated and updated)

1. Copy down formulas from row 21 if you add more categories See how your monthly average is comparing to your planned budget

Year-to-date Monthly Average

Monthly Budget $ $ $ $ $ $ $ $ $ $ $ $ -

Year-to-date % Gross Income