Sept

Item
Beginning Cash
Beginning Student Debt
Income
Old Bdgt
Salary/Bonus (after tax)
5,295
Roommate 1 (before tax)
0
Roommate 2 (before tax)
0
Tax return
Bonus (after tax)
Cash RSUs (after tax)
Landscaping biz (net income before tax)
Pedicabbing (net income before tax)
Other
Monthly Total
5,295
Monthly Expenses
Old Bdgt
Student loans - Federal
818
Student loans - Citi
186
Student Loans - Perkins
53
Car Insurance
171
Internet
50
Cell phone
85
Rent/Mortgage
1,441
Haircut
20
Electricity
68
Water
55
Gas
36
Entertainment
850
Groceries
330
Lunch at work
55
Car fuel & tolls
160
Dry cleaning
40
TOTAL
4,418
Annual Expenses
Medical/vision/dental
House
Auto Repairs & Maintenance
Gifts
Tax on CY2011 incremental income
Clothes & Accessories
Donations
Out-of-Budget Expenditures
TOTAL
Total Budgeted/Actual Spend
Total Budgeted/Actual Cash Worth
Required Cash Cushion
Potential Cash for Debt (keep $3.5k)
Actual Cash Paid to Debt
Monthly Debt Pmts to Principal / Accumulated Interested
Ending Student Debt

Exp
31,116
90,717
New Bdgt
6,200
450
400

Delta
905
450
400

7,050
New Bdgt
818
53
171
50
85
1,441
20
68
55
22
50
280
160
20
3,293
New Bdgt
10
300
200
600
1228
0
0
0
2338

1,755
Delta
(186)
(14)
(800)
(50)
(55)
(20)
(1,125)

5,295
900
1,043

7,238
818
53
171
50
85
1,441
20
68
55
22
50
280
0
160
20
3,293

3,293
35,061
3,500
31,561
31,561
610
58,546

Ending Cash

3,500

Summary
Debt Payments
Payment to close Citi loan
Payment to close HBS-subsidized lona
Payment to Federal loans
Total
Liquid Assets
Bank of America - Checking
Bank of America - Savings
UBS - Checking
Cash
Total
Non-Liquid Assets
2000 Honda S2000 (63k) - NADA Clean Retail Trade-in
2003 Nissan Murano (127k) - NADA Clean Retail Trade-in
2004 Honda CBR600RR (31k) - Craigslist market
House
401k
Total
Total Assets
Liabilities
Student Loans
Total Liabilities

Net Worth

Debt (Actual)
Debt (Original Fcst)
Net Worth

Aug (0)
$90,717
$90,717
$7,057

Sept (1)
$59,267
$58,546
$2,925

Oct (2)
$55,634
$54,564
$8,250

$90,000
$80,000
$70,000
$60,000

Nov (3)
$39,773
$47,852
$11,652

Debt

$60,000
$50,000
$40,000
$30,000
$20,000
$10,000
$0
Aug
(0)

Sept
(1)

Oct
(2)

Nov

Debt (Actual)

Student loans - Federal

Mortgage
Groceries
Car Insurance
Car fuel & tolls
Entertainment
Water
Exterminator
Electricity
Cell phone
Internet
Giffts
Gas
Haircut
Medical/vision/dental
Other

October
3,633
1,441
276
170
160
157
105
103
97
85
51
50
23
17
10
135

Salary (after tax)

Roommate 1 (before tax)
Landscaping biz (net income before tax)

November
Student loans - Federal
15,861
Mortgage
1,441
Automotive repair
402
Groceries
340
Entertainment
336
Car Insurance
169.16
Car fuel & tolls
144
House Maintenance 121
Water
121
Cell phone
105
Electricity
88
Internet
51
Dry cleaning
38
Haircut
33
Gas
21

5,869
450
379

50

October

51
103
157
160

105

85
97

23 17

10

135

160
170

276

3,633
1,441

October
Salary (after tax)

Roommate 1 (before t

379

Landscaping biz (net

450

5,869

Sept
1
Actual
31,116
90,717
5,582
900
1,043

Oct
2
Var
0
0

%
100%
100%

Exp
3,500
58,546

Actual
3,500
59,267

287
0
0

105%
100%
100%

6,200
450

-50
-136

#DIV/0!
#DIV/0!

Nov
3
Var

0
721

100%
101%

Exp
3,500
54,564

Actual
3,500
55,634

5,869
450

-331
0

95%
100%

9,006
450

9,772
450

379

379

7,339

101

101%

6,650

6,698

48

101%

9,456

9500
19,722

818
186
52
169
51
85
1,441
17
124
105
21
525
280
36
100
22
4,032

100%
#DIV/0!
98%
99%
102%
100%
100%
85%
182%
191%
95%
1050%
100%
#DIV/0!
63%
110%
122%

818
0
0
171
50
85
1,441
20
68
55
22
50
280
0
160
20
3,240

818
0
0
170
51
85
1,441
17
97
105
23
157
276
0
160
0
3,400

100%

-1
1
0
0
-3
29
50
1
107
-4
0
0
-20
160

100%
102%
101%
100%
85%
142%
191%
104%
314%
98%
#DIV/0!
100%
0%
105%

818
0
0
171
50
85
1,441
20
100
100
22
50
280
0
160
20
3,317

818
0
0
169.16
51
105
1,441
0
89
121
21
336
340
33
144
38
3,707

-1
-2
1
0
0
-3
56
50
-1
475
0
36
-60
2
739

10
103

121
406

19
50

64
83
4,115
34,340
3,500
30,840
30,840
610
59,267

822
-721

#DIV/0!
125%
98%
98%
98%

721

101%

0
3,240
6,910
3,500
3,410
3,410
573
54,564

135
298
3,698
6,500
3,500
3,000
3,000
633
55,634

298
458
-410

1,070

#DIV/0!
114%
94%
100%
88%
88%
111%
102%

0
3,317
9,639
3,500
6,139
6,139
573
47,852

3
531
4,238
18,984
3,500
15,484
15,484
376
39,773

3,500
Sep

100%
Oct

3,500

3,500

100%

Nov

Dec

Jan

Feb

Mar

$24,809
$4,500
$2,587
$31,896

$0
$0
$3,818
$3,818

$0
$0
$16,302
$16,302

$0
$0
$6,363
$6,363

$0
$0
$5,083
$5,083

$0
$0
$5,645
$5,645

$0
$0
$23,348
$23,348

$1,223
$118
$2,089
$70
$3,500

$957
$118
$2,404
$20
$3,499

$200
$118
$3,122
$60
$3,500

$200
$118
$2,143
$39
$2,500

$200
$118
$1,989
$193
$2,500

$200
$0
$1,719
$81
$2,000

$0
$0
$1,461
$8
$1,469

$9,825
$8,400
$2,800
$0
$37,667
$58,692

$9,825
$9,825
$8,400 na
$2,800
$0
$0
$0
$39,360
$38,100
$60,385
$47,925

$9,825
$0
$0
$0
$40,032
$49,857

$9,825
$0
$0
$0
$43,359
$53,184

$9,825
$0
$0
$0
$45,097
$54,922

$9,825
$0
$0
$0
$45,963
$55,788

$62,192

$63,884

$51,425

$52,357

$55,684

$56,922

$57,257

$59,267

$55,634

$39,773

$33,601

$28,723

$23,211

$0

$59,267

$55,634

$39,773

$33,601

$28,723

$23,211

$0

$2,925

$8,250

$11,652

$18,757

$26,961

$33,711

$57,257

Dec (4)
$33,601
$43,492
$18,757

Jan (5)
$28,723
$39,132
$26,961

Feb (6)
$23,211
$34,772
$33,711

Mar (7)
$0
$18,314
$57,257

Apr (8)

May (9)

$13,895

$9,535

Debt & Net Worth

$70,000
$60,000

Net Worth

$50,000

Jun (10)
$4,976

3,500

3,500

$30,000

Net Worth

$40,000

$20,000
$10,000

Nov
(3)
Debt (Actual)

Dec
(4)

Jan
(5)

Feb
(6)

Mar
(7)

Debt (Original Fcst)

December
Student loans - Federal
6363
Rent/Mortgage
1441
Groceries
310
Auto Repairs & Maintenance
280
Entertainment
252
Car fuel & tolls
230
Car Insurance
171
Water
114
Cell phone
112
Gifts
96
Internet
51
Dry cleaning
39
Electricity
37
House
28
Lunch at work
26
Gas
24
Haircut
17

Mortgage
Automotive repair
Groceries
Entertainment
Car Insurance
Car fuel & tolls

Apr
(8)

May
(9)

$0
Jun
(10)

Net Worth

Jan
Student loans
5083
Rent/Mortgage
1441
Entertainment
380
Groceries
377
Unbudgeted
150
Cell phone
114
House
95
Car fuel & tolls
94
Dry cleaning
69
Gas
42
Gifts
42
Electricity
32
Haircut
17
Internet
9
Auto Repairs & Maintenance 8

Student loans
Rent/Mortgage
Groceries
Entertainment
Car fuel & tolls
Water
Out-of-Budget Expenditures
Cell phone
Internet
Gas
Dry cleaning
Electricity
Lunch at work
Haircut
Auto Repairs & Maintenance

Car fuel & tolls

House Maintenance
Water
Cell phone
Electricity
Internet
Dry cleaning
Haircut
Gas

Salary (after tax)

Roommate 1 (before tax)
Landscaping biz (net income before tax)

Salary

9,772

Murano
CBR
Roommate 1

7,600
1,900
450

Nov
3

Dec
4
Var
0
1,070

%
Exp
100%
3,500
102% 47,852

Actual
3,500
39,773

Jan
5
Var
0
-8,079

%
Exp
100%
3,500
83% 43,492

Actual
2,500
33,601

Var
-1,000
-9,891

%
71%
77%

766
0

109%
100%

6,200
450
400

6,517
450
400

317
0
0

105%
100%
100%

6,200
450
400

6,248
450
910

48
0
510

101%
100%
228%

10,266

209%

7,050

1417
8,784

1,417
1,734

125%

7,050

345
7,953

345
903

113%

100%

99%
102%
123%
100%
0%
89%
121%
97%
672%
122%
#DIV/0!
90%
191%
112%

0
0
0
171
51
112
1,441
17
37
114
24
252
310
26
230
39
2,824

0
-2
1
20
0
-20
-11
21
-1
286
60
33
-16
18
390

0
0
0
171
50
85
1,441
20
100
100
22
50
280
0
160
20
2,499

100%
102%
131%
100%
85%
37%
114%
109%
504%
111%
#DIV/0!
144%
195%
113%

0
0
0
171
50
85
1,441
20
100
100
22
50
280
0
160
20
2,499

0
0
0
0
9
114
1,441
17
32
0
42
380
377
0
94
69
2,575

0
0
0
-171
-42
29
0
-3
-68
-100
20
330
97
0
-66
49
76

0%
17%
134%
100%
85%
32%
0%
192%
760%
135%
#DIV/0!
59%
347%
103%

0
0
1
27
0
-3
-63
14
2
202
30
26
70
19
325

28
280
96

531
921
9,345

-8,079

#DIV/0!
0
128%
2,499
197%
8,051
100%
3,500
252%
4,551
252%
4,551
66%
-191
83% 43,492

193
597
3,421
8,863
2,500
6,363
6,363
-191
33,601

95
8
42

597
922
812

-9,891

#DIV/0!
0
137%
2,499
110%
8,051
71%
3,500
140%
4,551
140%
4,551
100%
-191
77% 39,132

150
295
2,870
7,583
2,500
5,083
5,083
-206
28,723

295
371
-468

-10,409

#DIV/0!
115%
94%
71%
112%
112%
108%
73%

100%

3,500

2,500

71%

3,500

2,500

71%

f-Budget Expenditures

Repairs & Maintenance

Feb
5,645
1,441
444
217
165
118
91
86
51
35
33
32
18
13
5

Student Loans
$23,348
Rent/Mortgage
1441
Groceries
444
Out-of-Budget Expenditures410
Entertainment
312
Car fuel & tolls
213.67
Car Insurance
108.79
Cell phone
86
Water
56.65
Internet
56.57
Dry cleaning
52.22
Gas
34.51
Electricity
29.53
Lunch at work
23.92
Auto Repairs & Maintenance
9.52
Haircut
0

November Expenses
Student loans - Federal
Mortgage
Automotive repair

Automotive repair
Groceries
Entertainment
Car Insurance
Car fuel & tolls
House Maintenance
Water
Cell phone
Electricity
Internet
Dry cleaning
Haircut
Gas

November Revenue
Salary

450

Murano
CBR

1,900

Roommate 1

9,772

7,600

Feb
6
Exp
3,500
39,132

Actual
Var
2,500 -1,000
28,723 -10,409

71%
73%

Exp
3,500
34,772

Mar
7
Actual
Var
2,000 -1,500
23,211 -11,562

Apr
8
%
57%
67%

Exp
3,500
18,314

Actual
1,441
-27

6,200
450
400

6,248
920
400

48
470
0

101%
204%
100%

17,006
450
400
1,292

23,694
0
400
1,872

6,688
-450
0
580

139%
0%
100%
145%

6,200
450
400

6,200
450
400

7,050

325
7,893

325
843

112%

19,148

128
26,094

6,946

136%

7,050

7,050

0
0
0
171
50
85
1,441
20
100
100
22
50
280
0
160
20
2,499

0
0
0
0
51
86
1,441
13
32
118
35
217
444
18
165
33
2,652

0
0
0
-171
1
1
0
-7
-68
18
13
167
164
18
5
13
153

0%
102%
101%
100%
65%
32%
118%
157%
434%
159%
#DIV/0!
103%
163%
106%

0
0
0
171
50
85
1,441
20
100
100
22
50
280
0
160
20
2,499

0
0
0
108.8
56.6
86.0
1,441.0
0.0
29.5
56.7
34.5
312.0
444.0
23.9
213.7
52.2
2,859

0
0
0
-62
7
1
0
-20
-70
-43
13
262
164
24
54
32
360

64%
113%
101%
100%
0%
30%
57%
157%
624%
159%
#DIV/0!
134%
261%
114%

0
0
0
171
50
85
1,441
20
100
100
22
50
280
0
160
20
2,499

2,499

410
420
420
3,278
779
24,816 4,667
1,441
23,375
23,375
-137
-27 -18,341

#DIV/0!
131%
123%
41%
140%
140%
72%
0%

0
2,499
8,051
3,500
4,551
4,551
-132
13,895

0
2,499
5,992
2,000
3,992
3,992
-132
-3,887

0
2,499
8,051
3,500
4,551
4,551
-191
34,772

91
97
97
2,748
249
7,645
-406
2,000
5,645
5,645
-132
23,211 -11,562

10

#DIV/0!
110%
95%
57%
124%
124%
69%
67%

0
2,499
20,149
3,500
16,649
16,649
-191
18,314

3,500

2,000

57%

3,500

1,441

41%

3,500

2,000

ns - Federal

December Expenses

December Revenue
47
470
400
450

900

Salary
6,517
Bicycle
900
Roommate 1
450
Roommate 2
400
Christmas Gifts 470
USAA Dividend 47

Apr
8
Var
-2,059
-18,341
0
0
0

41%
0%

Exp
3,500
13,895

May
9
Actual
Var
2,000 -1,500
-3,887 -17,782

%
57%
-28%

Exp
3,500
9,535

100%
100%
100%

6,200
450
400

-6,200
-450
-400

0%
0%
0%

6,200
-150
-150

-6,200

0%

2,350

-2,350

0%

100%

0
0
-171
-50
-85
-1,441
-20
-100
-100
-22
-50
-280
0
-160
-20
0

#DIV/0!
#DIV/0!
#DIV/0!
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
#DIV/0!
0%
0%
100%

0
0
0
9,691 -2,059
6,191
1,441
4,750
4,750
-191
-13,365 -18,341

#DIV/0!
#DIV/0!
82%
75%
41%
100%
100%
100%
-269%

100%

7,050

0%
0%
0%
0%
0%
#DIV/0!
0%
0%
100%

0
0
0
171
50
85
1,441
20
100
100
22
50
280
0
160
20
2,499

#DIV/0!
100%
74%
57%
88%
88%
100%
-28%

0
2,499
8,051
3,500
4,551
4,551
-191
9,535

0
0
-171
-50
-85
-1,441
-20
-100
-100
-22
-50
-280
0
-160
-20
0

0
0
-2,059

-17,782

7,050

2,499

100%

#DIV/0!
#DIV/0!
#DIV/0!
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
#DIV/0!
0%
0%
100%

0
0
0
171
50
85
1,441
20
100
100
22
50
280
0
160
20
2,499

#DIV/0!
100%
81%

0
11,750
8,250
3,500
4,750
4,750
-191
4,976

0
-171
-50
-85
-1,441
-20
-100
-100
-22
-50
-280
0
-160
-20
0

0
0
2,499
0
6,551 -1,500
1,441
5,110
5,110
-191
-8,806 -18,341

112%
112%
100%
-92%

8,250

Jun
10
Actual
Var
1,441 -2,059
-8,806 -18,341

8,250

2,499

%
41%
-92%

57%

3,500

1,441

41%

3,500

1,441

41%

er Expenses

January Expense

Student loans - Federal

Rent/Mortgage
Groceries
Auto Repairs & Maintenance
Entertainment

Entertainment
Car fuel & tolls
Car Insurance
Water
Cell phone
Gifts
Internet
Dry cleaning
Electricity
House
Lunch at work
Gas
Haircut

December Revenue

Salary
Bicycle
Roommate 1
Roommate 2
Christmas Gifts
USAA Dividend

6,517

84,483

22,049

0.73902

January Expenses

Student loans
Rent/Mortgage
Entertainment
Groceries
Unbudgeted
Cell phone
House

House
Car fuel & tolls
Dry cleaning
Gas
Gifts
Electricity
Haircut
Internet
Auto Repairs & Maintenance

January Revenue

345
910
Salary

450

920

Roommate 1
Roommate 2
Craigslist Sales

6,248

Salary
6,248
Roommate 1
450
Roommate 2
910
Craigslist Sales 345

Salary
6,248
Roommate 2 920
Roommate 1 400
Birthday
165
BofA WorldPoints
160

February Expenses
Student loans
Rent/Mortgage
Groceries
Entertainment
Car fuel & tolls

Car fuel & tolls

Water
Out-of-Budget Expenditures
Cell phone
Internet
Gas
Dry cleaning
Electricity
Lunch at work
Haircut
Auto Repairs & Maintenance

February Revenue
165

160

400
Salary

920

Roommate 2
Roommate 1
Birthday
BofA WorldPoints

6,248

March Expenses
Student Loans
Rent/Mortgage
Groceries
Out-of-Budget Expenditures
Entertainment

Out-of-Budget Expenditures
Entertainment
Car fuel & tolls
Car Insurance
Cell phone
Water
Internet
Dry cleaning
Gas
Electricity
Lunch at work
Auto Repairs & Maintenance

March Revenue
112
400

16

1,872
Salary+Bonjus
Tax Return
Roommate 1
Escrow Surplus
Lottery

23,694

Salary+Bonjus
Tax Return
Roommate 1
Escrow Surplus
Lottery

23,694
1,872
400
112
16

Student Loans
Rent/Mortgage
Groceries
Out-of-Budget Expenditures
Entertainment

Out-of-Budget Expenditures
Entertainment
Car fuel & tolls
Car Insurance
Cell phone
Water
Internet
Dry cleaning
Electricity
Lunch at work
Auto Repairs & Maintenance