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Vertex42 Money Manager

INSTRUCTIONS © 2010-2017 Vertex42


For Excel 2010 or Later
Introduction
The Vertex42® Money Manager can be a very simple money management tool. Like most
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:
This is an example
- Some of the labels include cell comments (marked with little red triangles) to provide
comment.
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.
- Backup your file regularly to avoid losing data! Excel files DO get corrupted occasionally.

Step 1 Customize Categories (or don't)


The easiest way to get started is to just use the default set of budget categories.
If you need to make changes to the categories, make sure that you make corresponding
changes in ALL the other worksheets.
TIP: If you are going to customize the categories, it may be easier to start from the Budget
worksheet and then make sure that the Report and Categories worksheets correspond.
A. If you ADD or DELETE Categories, make sure that you use row operations (copying or
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.
C. No Duplicate Category Names
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.
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.

Step 2 Define Your List of Accounts


Edit the list of accounts that you want to include in the Transaction History worksheet by
editing the Accounts worksheet. The list will populate the dropdown box in the Accounts
column of the Transactions worksheet.

TIP: If you start each account name with a different letter, Excel's autocomplete feature
will make entering the account much faster for you.

Goals: The account list includes a place to list a Goal and the % column shows your progress
towards that goal. This may be useful for listing savings fund goals or check reserve amounts.

Step 3 Define Your Yearly Budget


Define your budget using the Budget worksheet. Edit only the cells with the gray outline.
See Vertex42.com or tips on budgeting.

- For a Financial Year that does not start in January: Before entering your yearly budget,
go to the Report worksheet and enter the "Year Begins" date. This will update the month
labels in the Budget worksheet.
- You can copy and paste the input cells within the Budget worksheet as needed. For example,
enter an average fuel cost in January, then copy the value to other months.
- Use formulas to do basic calculations like "=245/6" to divide 245 by 6 or "=34*2" to multipy
34 by 2, or "=34+12+45" to add a bunch of numbers. Formulas are entered using the
equals "=" sign.

Step 4 Record Transactions


The Transactions worksheet lets you record transactions for multiple accounts. Think of a
PAYMENT as money leaving the account and a DEPOSIT as money entering the account.
Examples of different types of transactions are given below.

IMPORTANT: You must copy and paste entire rows when adding new rows, to ensure that all
the formatting, data validation, and formulas get copied correctly.
THE MOST COMMON ERROR is inserting a new row and forgetting to copy formulas down.
When you insert a blank row, some formatting is copied from the row above it automatically,
but formulas and data validation are not copied. You can press CTRL+d after inserting a new
row to quickly copy all formulas and formatting from the row immediately above.

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


Date: To quickly enter the current date, use the keyboard shortcut CTRL+;
The list of dates to the right is used to populate the drop-down box. For other dates,
you will need to enter the date manually. For a date in the current year, you can use the
shortcut of just entering the month/day like 5/16.

Num: This column is usually used to list the check number, but you can also use it to enter
"DEP" for deposit, "TXFR" for transfer, "EFT" for electronic funds transfer, "ACH" for
Automated Clearing House transactions, etc.

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

IMPORTANT: If you have chosen a category such as "Ted's Fund" and then later remove
"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.
Step 4-0: Delete the Sample Rows

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


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
the balance shown on your bank or credit card statements.

Step 4-2: Add New Transactions:


You will probably find that the fastest way to add new transactions is copy and paste similar
previous transactions. You can select one or more rows, copy them, and then paste them
below the last transaction. Then, you just need to edit the cells that need to be changed.

TIP: Always leave the last row in the table BLANK so that you can easily add new rows. To
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
a SPLIT transaction. You can do this by splitting the transaction into multiple transactions -
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

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

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


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

Budgeting for Known Future Expenses (e.g. car, holiday, vacation, etc.)
For large payments that are made once every few months or once a year, it is common to
estimate a monthly budget amount and transfer the monthly amount into a temporary
savings account so that you have enough money available when you need to pay the bill.
The transfers are recorded as expenses at the time the money is transferred as explained
above in the section "Recording a [Transfer] to SAVINGS."

If you are recording those transfers to savings each month as an expense, then what do
you do when it comes time to pay the bill? You don't want to record the expense twice.

If you can pay directly from your Savings account:


You have already recorded the payments as expenses when you transferred the money to
Savings, so leave the Category blank when recording the payment. The payment will not
show up in your budget report a second time (because the Category column is blank).

ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT


Savings 6/1/14 chk ABC Insurance 198.00

If you can't pay directly from your Savings account:


First transfer the amount saved from Savings to Checking, recording the transfer as a
credit to the expense category. Then, record the payment from Checking like normal.

1. Record the Transfer from Savings to Checking as a Credit to the Expense Category
ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT
Savings 6/1/14 TXFR [To Checking] [Transfer] 200.00
Checking 6/1/14 TXFR [From Savings] Insurance 200.00

2. Record the Payment from Checking:


ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT
Checking 6/1/14 1023 ABC Insurance Insurance 198.00

In the above example, the actual payment of 198.00 was lower than the previously budgeted
total expense of 200.00, so you could end up seeing a value of -2.00 in the Actual column
of the report worksheet. This is similar to what you might see if you received a refund or
return for something you paid in a previous month.
Budgeting for Known Future Expenses - Without Transfers Between Accounts
To allocate money to a savings or expense fund without transferring the money to a different
account, you will need to add a pair of offset transactions for each allocation. The first entry
includes the budget category and the second entry does not. The payment and deposit amounts
offset each other, so the account balance does not change. When you make the real payment,
you leave the Category blank. The following shows what this might look like for a quarterly
health insurance payment, with monthly budget allocations.
ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT
Checking 1/1/10 [Allocation] Health Insurance 200.00
Checking 1/1/10 [Allocation] 200.00
Checking 2/1/10 [Allocation] Health Insurance 200.00
Checking 2/1/10 [Allocation] 200.00
Checking 3/1/10 [Allocation] Health Insurance 200.00
Checking 3/1/10 [Allocation] 200.00
Checking 3/15/10 ABC Insurance 600.00

Tracking the Balance of Savings and Expense Funds


If you choose to keep allocated funds within your spending account, you may want to keep
track of how much in your spending account is free to be used for other purposes and how
much has been allocated to future expenses. There are a couple methods for doing that:

Method 1: Define a Virtual Sub-Account in the Accounts worksheet


Using this method, you record entries in the Transactions worksheet just as you would if you
were transferring real money between accounts. Your bank statement will not show these
transactions because you are only listing them in your own spreadsheet. When you reconcile
with your bank statements, remember to add the balances for the sub-accounts to the balance
of the main account.

Method 2: Use a Separate Worksheet to Track Savings and Expense Funds


You can use the Goals worksheet to track any fund balance that you want to. You will need to
update the Goals worksheet in addition to recording the allocations in the Transactions
worksheet. The Goals worksheet is only for tracking the balance and is not linked to your
other budget worksheets.

Step 4-3: Record "Cleared" Transactions.


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

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

Step 4-4: Reconcile Your Accounts


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

TIP: If you are familiar with using Excel lists or tables, you can use autofiltering to filter the
transaction history table to show a single account at a time.

Step 4-5: Check Formulas


If you do any type of customization, you should check that formulas in the spreadsheet are
still referring to the correct cells.

Step 5 Track Your Progress


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

Using the Report Worksheet


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

IMPORTANT: If the Report worksheet does not appear to be pulling information from the
Transactions worksheet, please see Step 4-5 above (Check Formulas).

Using the YearlyReport Worksheet


The YearlyReport worksheet is very similar to the Budget worksheet except that it calculates
amounts from the Transactions worksheet to show you an Income and Expense report.

If you customize budget categories, you will need to make sure to edit the YearlyReport
worksheet so that all budget categories match.

Using the Goals Worksheet


If you want to track separate short-term and long-term savings goals, you can use the Goals
worksheet.
© 2010-2017 Vertex42 LLC
HELP >> Excel Tips

Input Cell

Label
How to Budget: Budgeting Tips
Vertex42 Blog: Budgeting
10/8/2018
10/7/2018
10/6/2018
10/5/2018
10/4/2018
10/3/2018
10/2/2018
10/1/2018

[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

Transactions
PAYMENT DEPOSIT
150.00

DEPOSIT
200.00
DEPOSIT

DEPOSIT

200.00

DEPOSIT
MENT DEPOSIT

200.00

200.00

200.00
ile column).
Yearly Budget Planner
HELP © 2010-2017 Vertex42 LLC

Starting Balance 0 [42] Total Avg


Total Income 38,000 38,000 38,000 38,000 38,000 38,000 38,000 38,000 38,000 38,000 38,000 38,000 456,000 38,000
Total Expenses 29,183 29,183 29,183 29,183 29,183 29,183 29,183 29,183 29,183 29,183 29,183 29,183 350,196 29,183
NET (Income - Expenses) 8,817 8,817 8,817 8,817 8,817 8,817 8,817 8,817 8,817 8,817 8,817 8,817 105,804 8,817
Projected End Balance 8,817 17,634 26,451 35,268 44,085 52,902 61,719 70,536 79,353 88,170 96,987 105,804

Monthly
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Average

INCOME
Wages & Tips 38,000 38,000 38,000 38,000 38,000 38,000 38,000 38,000 38,000 38,000 38,000 38,000 456,000 38,000
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 38,000 38,000 38,000 38,000 38,000 38,000 38,000 38,000 38,000 38,000 38,000 38,000 456,000 38,000

TO SAVINGS
Emergency Fund 0 0
Retirement Fund 0 0
Investments 25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 300,000 25,000
Taxes 0 0
Vacation Fund 0 0
SAVINGS -Other 0 0
Total TO SAVINGS 25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 25,000 300,000 25,000
% of Income 65.8% 65.8% 65.8% 65.8% 65.8% 65.8% 65.8% 65.8% 65.8% 65.8% 65.8% 65.8% 65.8% 65.8%
CHARITY/GIFTS
Tithing 0 0
Charitable Donations 0 0
Religious Donations 0 0
Gifts 0 0
CHARITY - Other 0 0
Total CHARITY/GIFTS 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Average
% of Income 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
HOUSING
Mortgage/Rent 0 0
Home/Rental Insurance 0 0
Real 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 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
UTILITIES
Electricity 0 0
Water/Sewer/Trash 0 0
Phone 133 133 133 133 133 133 133 133 133 133 133 133 1,596 133
Cable/Satellite 0 0
Internet 0 0
UTILITIES - Other 0 0
Total UTILITIES 133 133 133 133 133 133 133 133 133 133 133 133 1,596 133
% of Income 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4%
FOOD
Groceries 0 0
Dining/Eating Out 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 12,000 1,000
Pet Food 0 0
FOOD - Other 0 0
Total FOOD 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 12,000 1,000
% of Income 2.6% 2.6% 2.6% 2.6% 2.6% 2.6% 2.6% 2.6% 2.6% 2.6% 2.6% 2.6% 2.6% 2.6%
TRANSPORTATION
Vehicle Payments 0 0
Auto Insurance 0 0
Fuel 0 0
Bus/Taxi/Train Fare 2,700 2,700 2,700 2,700 2,700 2,700 2,700 2,700 2,700 2,700 2,700 2,700 32,400 2,700
Repairs/Tires 0 0
Registration/License 0 0
TRANSPORTATION - Other 0 0
Total TRANSPORTATION 2,700 2,700 2,700 2,700 2,700 2,700 2,700 2,700 2,700 2,700 2,700 2,700 32,400 2,700
% of Income 7.1% 7.1% 7.1% 7.1% 7.1% 7.1% 7.1% 7.1% 7.1% 7.1% 7.1% 7.1% 7.1% 7.1%
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Average
HEALTH
Health 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
Total HEALTH 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Income 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
DAILY LIVING
Education 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 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%

Total 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Income 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
OBLIGATIONS
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 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
BUSINESS EXPENSE
Total BUSINESS EXPENSE 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Income 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
ENTERTAINMENT
Vacation/Travel 0 0
Videos/DVDs 0 0
Music 0 0
Games 0 0
Rentals 0 0
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Average
Movies/Theater 200 200 200 200 200 200 200 200 200 200 200 200 2,400 200
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 200 200 200 200 200 200 200 200 200 200 200 200 2,400 200
% of Income 0.5% 0.5% 0.5% 0.5% 0.5% 0.5% 0.5% 0.5% 0.5% 0.5% 0.5% 0.5% 0.5% 0.5%
SUBSCRIPTIONS
Newspaper 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 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
MISCELLANEOUS
Bank Fees 150 150 150 150 150 150 150 150 150 150 150 150 1,800 150
Postage 0 0
MISC - Other 0 0
Total MISCELLANEOUS 150 150 150 150 150 150 150 150 150 150 150 150 1,800 150
% of Income 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4%
Account List
HELP © 2010-2017 Vertex4

You can track any number of real or virtual accounts. These accounts will show up in the Accounts
column in the Transactions worksheet.

ACCOUNTS Goal % Cleared Balance


Checking 300,000.00 0.6% 2,759.80 1,866.51
Savings 5,000.00 50.9% 2,345.00 2,545.00
BobsCard n/a -443.34 -443.34
JanesCard n/a 0.00 0.00
n/a 0.00 0.00
n/a 0.00 0.00
n/a 0.00 0.00
n/a 0.00 0.00
n/a 0.00 0.00
n/a 0.00 0.00
n/a 0.00 0.00

Total: 3,968.17
© 2010-2017 Vertex42 LLC

◄ To add accounts, insert new rows above this one and copy formulas down
Transaction History
HELP © 2010-2017 Vertex42 LLC

Account Date Num Payee Memo Tag Category R PAYMENT DEPOSIT Cleared Cleared Account Cleared BALANCE
Payment Deposit Balance Balance

Checking 1/01/17 [Balance As of 1/1/2017] [Balance] R 875.00 - 875.00 875.00 875.00 875.00
Savings 1/01/17 [Balance As of 1/1/2017] [Balance] R 2,345.00 - 2,345.00 2,345.00 2,345.00 3,220.00
BobsCard 1/01/17 [Balance As of 1/1/2017] [Balance] R 256.00 256.00 - (256.00) (256.00) 2,964.00
Checking 1/01/17 DEP Direct Deposit from Employer Wages & Tips R 1,000.00 - 1,000.00 1,875.00 1,875.00 3,964.00
Checking 1/10/17 2032 Car Payment Vehicle Payments R 115.20 115.20 - 1,759.80 1,759.80 3,848.80
BobsCard 1/15/17 Joe's Food Mart Groceries R 87.34 87.34 - (343.34) (343.34) 3,761.46
BobsCard 1/18/17 Fuel Gas/Oil R 100.00 100.00 - (443.34) (443.34) 3,661.46
Checking 2/05/17 DEP Direct Deposit from Employer Wages & Tips c 1,000.00 - 1,000.00 2,759.80 2,759.80 4,661.46
Checking 2/10/17 2033 Target Split Clothing 23.10 - - 2,736.70 2,759.80 4,638.36
Checking 2/10/17 2033 Target Split Groceries 45.15 - - 2,691.55 2,759.80 4,593.21
Checking 2/10/17 2033 Target Split Personal Supplies 25.04 - - 2,666.51 2,759.80 4,568.17
Savings 2/15/17 TXFR [From Checking] [Transfer] 200.00 - - 2,545.00 2,345.00 4,768.17
Checking 2/15/17 TXFR [To Savings] Split Emergency Fund 100.00 - - 2,566.51 2,759.80 4,668.17
Checking 2/15/17 TXFR [To Savings] Split Retirement Fund 50.00 - - 2,516.51 2,759.80 4,618.17
Checking 2/15/17 TXFR [To Savings] Split College Fund 50.00 - - 2,466.51 2,759.80 4,568.17
Checking 1/01/17 [Allocation] Health Insurance 200.00 - - 2,266.51 2,759.80 4,368.17
Checking 1/01/17 [Allocation] 200.00 - - 2,466.51 2,759.80 4,568.17
Checking 2/01/17 [Allocation] Health Insurance 200.00 - - 2,266.51 2,759.80 4,368.17
Checking 2/01/17 [Allocation] 200.00 - - 2,466.51 2,759.80 4,568.17
Checking 3/01/17 [Allocation] Health Insurance 200.00 - - 2,266.51 2,759.80 4,368.17
Checking 3/01/17 [Allocation] 200.00 - - 2,466.51 2,759.80 4,568.17
Checking 3/15/17 ABC Insurance 600.00 - - 1,866.51 2,759.80 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
Account Date Num Payee Memo Tag Category R PAYMENT DEPOSIT Cleared Cleared Account Cleared BALANCE
Payment Deposit Balance Balance

- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
- - - - 3,968.17
Insert more rows above this one and then copy formulas down.
Savings Goals
HELP © 2010-2017 Vertex42 LLC

Goal Balance
Fund Location Goal % Balance
0 1,000 2,000 3,000 4,000 5,000 6,000 7,000 8,000 9,000
Car Fund Savings 8,000.00 0.0% 0.00
Car Fund Vacation Checking 1,500.00 200.0% 3,000.00
College Savings 0.0% 0.00
Vacation Tax Fund Checking 0.0% 0.00
College Fun Fund Checking 0.0% 3,000.00
0.0% 0.00
Tax Fund 0.0% 0.00
0.0% 0.00
Fun Fund
0.0% 0.00
0.0% 0.00

Total Balance: 6,000.00

Fund Total
Fund Date Num Description Memo Payment Deposit
Balance BALANCE
Fun Fund 1/01/24 [ Balance as of 1/1/19 ] 3,000.00 3,000.00 3,000.00
Vacation 1/01/24 [ Balance as of 1/1/19] 3,000.00 3,000.00 6,000.00
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
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Insert new rows above this one - -

Account Register Template by Vertex42.com © 2016 Vertex42 LLC


Monthly Budget Report
HELP © 2010-2017 Vertex42 LLC

Year Begins: 1/1/2017 Begin: 1/1/17 Year-To-Date: No 0


Month: 1 End: 1/31/17

BUDGET SUMMARY EXPENSE SUMMARY Budget


Expense Summary Budget Actual
Actual Difference
Budget Actual Difference TO SAVINGS 25,000.00 - 25,000.00
Total Income 38,000.00 1,000.00 (37,000.00) CHARITY/GIFTS
TO SAVINGS - - -
Total Expenses #REF! #REF! #REF! HOUSING - - -
NET #REF! #REF! #REF! UTILITIES
CHARITY/GIFTS 133.00 - 133.00
FOOD 1,000.00 - 1,000.00
Budget Actual TRANSPORTATION 2,700.00 - 2,700.00
HOUSING
0 5000 10000150002000025000300003500040000 HEALTH - - -
DAILY LIVING - - -
UTILITIES
Total Income
CHILDREN - - -
OBLIGATIONS - - -
Total Expenses FOOD
#REF! #REF! #REF! #REF!
NET ENTERTAINMENT 200.00 - 200.00
TRANSPORTATION
SUBSCRIPTIONS - - -
MISCELLANEOUS 150.00 - 150.00
HEALTH
INCOME Budget Actual Difference
Wages & Tips 38,000.00 1,000.00 (37,000.00)
Interest Income - - - DAILY LIVING

Dividends - - -
Gifts Received - - - CHILDREN

Refunds/Reimbursements - - -
Financial Aid - - - OBLIGATIONS
Rental Income - - -
INCOME-Other - - - #REF!
Total INCOME 38,000.00 1,000.00 (37,000.00)
ENTERTAINMENT
TO SAVINGS Budget Actual Difference
Emergency Fund - - - SUBSCRIPTIONS
Retirement Fund - - -
Investments 25,000.00 - (25,000.00)
MISCELLANEOUS
Taxes - - -
Vacation Fund - - -
SAVINGS -Other - - -
Total TO SAVINGS 25,000.00 - (25,000.00)
% of Income 65.8% 0.0%
CHARITY/GIFTS Budget Actual Difference
Tithing - - -
Charitable Donations - - -
Religious Donations - - -
Gifts - - -
CHARITY - Other - - -
Total CHARITY/GIFTS - - -
% of Income 0.0% 0.0%
HOUSING Budget Actual Difference
Mortgage/Rent - - -
Home/Rental Insurance - - -
Real Estate Taxes - - -
Furnishings/Appliances - - -
Lawn/Garden - - -
Maintenance/Supplies - - -
Improvements - - -
HOUSING - Other - - -
Total HOUSING - - -
% of Income 0.0% 0.0%
UTILITIES Budget Actual Difference
Electricity - - -
Water/Sewer/Trash - - -
Phone 133.00 - 133.00
Cable/Satellite - - -
Internet - - -
UTILITIES - Other - - -
Total UTILITIES 133.00 - 133.00
% of Income 0.4% 0.0%
FOOD Budget Actual Difference
Dining/Eating Out 1,000.00 - 1,000.00
Pet Food - - -
FOOD - Other - - -
Total FOOD 1,000.00 - 1,000.00
% of Income 2.6% 0.0%
TRANSPORTATION Budget Actual Difference
Auto Insurance - - -
Fuel - - -
Bus/Taxi/Train Fare 2,700.00 - 2,700.00
Repairs/Tires - - -
Registration/License - - -
TRANSPORTATION - Other - - -
Total TRANSPORTATION 2,700.00 - 2,700.00
% of Income 7.1% 0.0%
HEALTH Budget Actual Difference
Disability Insurance - - -
Doctor/Dentist/Optometrist - - -
Medicine/Drugs - - -
Health Club Dues - - -
Life Insurance - - -
Veterinarian/Pet Care - - -
HEALTH - Other - - -
Total HEALTH - - -
% of Income 0.0% 0.0%
DAILY LIVING Budget Actual Difference
Education - - -
Clothing - - -
Personal Supplies - - -
Cleaning Services - - -
Laundry / Dry Cleaning - - -
Salon/Barber - - -
DAILY LIVING - Other - - -
Total DAILY LIVING - - -
% of Income 0.0% 0.0%
CHILDREN Budget Actual Difference
Total CHILDREN - - -
% of Income 0.0% 0.0%
OBLIGATIONS Budget Actual Difference
Total OBLIGATIONS - - -
% of Income 0.0% 0.0%
ENTERTAINMENT Budget Actual Difference
Vacation/Travel - - -
Videos/DVDs - - -
Music - - -
Games - - -
Rentals - - -
Movies/Theater 200.00 - 200.00
Concerts/Plays - - -
Books - - -
Hobbies - - -
Film/Photos - - -
Sports - - -
Outdoor Recreation - - -
Toys/Gadgets - - -
ENTERTAINMENT - Other - - -
Total ENTERTAINMENT 200.00 - 200.00
% of Income 0.5% 0.0%
SUBSCRIPTIONS Budget Actual Difference
Newspaper - - -
Magazines - - -
Dues/Memberships - - -
SUBSCRIPTIONS - Other - - -
Total SUBSCRIPTIONS - - -
% of Income 0.0% 0.0%
MISCELLANEOUS Budget Actual Difference
Bank Fees 150.00 - 150.00
Postage - - -
MISC - Other - - -
Total MISCELLANEOUS 150.00 - 150.00
% of Income 0.4% 0.0%
Yearly Income & Expense Report
HELP For Year Beginning 1/1/17 © 2010-2017 Vertex42 LLC

Starting Balance 0 [42] Total Avg


Total Income 1,000 1,000 0 0 0 0 0 0 0 0 0 0 2,000 167
Total Expenses 503 493 200 0 0 0 0 0 0 0 0 0 1,196 100
NET (Income - Expenses) 497 507 -200 0 0 0 0 0 0 0 0 0 804 67
End Balance 497 1,004 804 804 804 804 804 804 804 804 804 804

Monthly
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Average
Date Begin 1-Jan 1-Feb 1-Mar 1-Apr 1-May 1-Jun 1-Jul 1-Aug 1-Sep 1-Oct 1-Nov 1-Dec
Date End 31-Jan 28-Feb 31-Mar 30-Apr 31-May 30-Jun 31-Jul 31-Aug 30-Sep 31-Oct 30-Nov 31-Dec

INCOME
Wages & Tips 1,000 1,000 0 0 0 0 0 0 0 0 0 0 2,000 167
Interest Income 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Dividends 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Gifts Received 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Refunds/Reimbursements 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Financial Aid 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Rental Income 0 0 0 0 0 0 0 0 0 0 0 0 0 0
INCOME-Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total INCOME 1,000 1,000 0 0 0 0 0 0 0 0 0 0 2,000 167

TO SAVINGS
Emergency Fund 0 100 0 0 0 0 0 0 0 0 0 0 100 8
Retirement Fund 0 50 0 0 0 0 0 0 0 0 0 0 50 4
College Fund 0 50 0 0 0 0 0 0 0 0 0 0 50 4
Investments 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Taxes 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Vacation Fund 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Car Replacement 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SAVINGS -Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total TO SAVINGS 0 200 0 0 0 0 0 0 0 0 0 0 200 17
% of Income 0.0% 20.0% - - - - - - - - - - 10.0% 10.0%
CHARITY/GIFTS
Tithing 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Charitable Donations 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Average
Religious Donations 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Gifts 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Christmas 0 0 0 0 0 0 0 0 0 0 0 0 0 0
CHARITY - Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total CHARITY/GIFTS 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Income 0.0% 0.0% - - - - - - - - - - 0.0% 0.0%
HOUSING
Mortgage/Rent 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Home/Rental Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Real Estate Taxes 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Furnishings/Appliances 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Lawn/Garden 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Maintenance/Supplies 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Improvements 0 0 0 0 0 0 0 0 0 0 0 0 0 0
HOUSING - Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total HOUSING 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Income 0.0% 0.0% - - - - - - - - - - 0.0% 0.0%
UTILITIES
Electricity 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Gas/Oil 100 0 0 0 0 0 0 0 0 0 0 0 100 8
Water/Sewer/Trash 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Phone 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Cable/Satellite 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Internet 0 0 0 0 0 0 0 0 0 0 0 0 0 0
UTILITIES - Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total UTILITIES 100 0 0 0 0 0 0 0 0 0 0 0 100 8
% of Income 10.0% 0.0% - - - - - - - - - - 5.0% 5.0%
FOOD
Groceries 87 45 0 0 0 0 0 0 0 0 0 0 132 11
Dining/Eating Out 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Pet Food 0 0 0 0 0 0 0 0 0 0 0 0 0 0
FOOD - Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total FOOD 87 45 0 0 0 0 0 0 0 0 0 0 132 11
% of Income 8.7% 4.5% - - - - - - - - - - 6.6% 6.6%
TRANSPORTATION
Vehicle Payments 115 0 0 0 0 0 0 0 0 0 0 0 115 10
Auto Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Fuel 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Average
Bus/Taxi/Train Fare 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Repairs/Tires 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Registration/License 0 0 0 0 0 0 0 0 0 0 0 0 0 0
TRANSPORTATION - Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total TRANSPORTATION 115 0 0 0 0 0 0 0 0 0 0 0 115 10
% of Income 11.5% 0.0% - - - - - - - - - - 5.8% 5.8%
HEALTH
Health Insurance 200 200 200 0 0 0 0 0 0 0 0 0 600 50
Disability Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Doctor/Dentist/Optometrist 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Medicine/Drugs 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Health Club Dues 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Life Insurance 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Veterinarian/Pet Care 0 0 0 0 0 0 0 0 0 0 0 0 0 0
HEALTH - Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total HEALTH 200 200 200 0 0 0 0 0 0 0 0 0 600 50
% of Income 20.0% 20.0% - - - - - - - - - - 30.0% 30.0%
DAILY LIVING
Education 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Clothing 0 23 0 0 0 0 0 0 0 0 0 0 23 2
Personal Supplies 0 25 0 0 0 0 0 0 0 0 0 0 25 2
Cleaning Services 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Laundry / Dry Cleaning 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Salon/Barber 0 0 0 0 0 0 0 0 0 0 0 0 0 0
DAILY LIVING - Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total DAILY LIVING 0 48 0 0 0 0 0 0 0 0 0 0 48 4
% of Income 0.0% 4.8% - - - - - - - - - - 2.4% 2.4%
CHILDREN
Children:Clothing 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Medical 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Music Lessons 0 0 0 0 0 0 0 0 0 0 0 0 0 0
School Tuition 0 0 0 0 0 0 0 0 0 0 0 0 0 0
School Lunch 0 0 0 0 0 0 0 0 0 0 0 0 0 0
School Supplies 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Babysitting/Child Care 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Toys/Games 0 0 0 0 0 0 0 0 0 0 0 0 0 0
CHILDREN - Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total CHILDREN 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Income 0.0% 0.0% - - - - - - - - - - 0.0% 0.0%
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Average
OBLIGATIONS
Student Loan 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Loan 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Credit Card #1 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Credit Card #2 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Credit Card #3 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Alimony/Child Support 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Federal Taxes 0 0 0 0 0 0 0 0 0 0 0 0 0 0
State/Local Taxes 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Legal Fees 0 0 0 0 0 0 0 0 0 0 0 0 0 0
OBLIGATIONS - Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total OBLIGATIONS 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Income 0.0% 0.0% - - - - - - - - - - 0.0% 0.0%
BUSINESS EXPENSE
Deductible Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Non-Deductible Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0
BUSINESS - Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total BUSINESS EXPENSE 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Income 0.0% 0.0% - - - - - - - - - - 0.0% 0.0%
ENTERTAINMENT
Vacation/Travel 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Videos/DVDs 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Music 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Games 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Rentals 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Movies/Theater 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Concerts/Plays 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Books 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Hobbies 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Film/Photos 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Sports 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Outdoor Recreation 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Toys/Gadgets 0 0 0 0 0 0 0 0 0 0 0 0 0 0
ENTERTAINMENT - Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total ENTERTAINMENT 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Income 0.0% 0.0% - - - - - - - - - - 0.0% 0.0%
SUBSCRIPTIONS
Newspaper 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Average
Magazines 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Dues/Memberships 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SUBSCRIPTIONS - Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total SUBSCRIPTIONS 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Income 0.0% 0.0% - - - - - - - - - - 0.0% 0.0%
MISCELLANEOUS
Bank Fees 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Postage 0 0 0 0 0 0 0 0 0 0 0 0 0 0
MISC - Other 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total MISCELLANEOUS 0 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Income 0.0% 0.0% - - - - - - - - - - 0.0% 0.0%
[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
Taxes
Vacation Fund
SAVINGS -Other
***** CHARITY / GIFTS *****
Tithing
Charitable Donations
Religious Donations
Gifts
CHARITY - Other
***** HOUSING *****
Mortgage/Rent
Home/Rental Insurance
Real Estate Taxes
Furnishings/Appliances
Lawn/Garden
Maintenance/Supplies
Improvements
HOUSING - Other
***** UTILITIES *****
Electricity
Water/Sewer/Trash
Phone
Cable/Satellite
Internet
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
***** 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
Instructions

This 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".