2024 Lite Budget

Version: 1
Released: 4-Jan-24
This template is designed to work with the Daily Expenses Lite Template 2023

You can use the VLOOKUP formula to pick up the actual expenses (once the category names are the same) or just enter in manually in the

Tips:
Cleate the categories in the Expense Tracker first then copy and paste them onto your budget sheet.
Use the Actual Vs Budgeted Calculation to assess if you are spending within your budget.
The Savings should be entered manually as this is not in the Expense Tracker.

For more amazing Excel Sheets visit FinancialCentsibility.com

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or just enter in manually in the 2nd column on each monthly sheet.

cles and to learn more about mortgages, saving, car loans and other finance related topics!
Savings Tracker
Balance as at:
Savings Category Institution Jan-31-2024 Feb-28-2024
Stocks
Stock X
Stock Y
Pension
Investment Accounts
Fixed Deposits
Regular Savings Account Bank X
Regular Savings Account Bank Y
Other

Total - -

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Mar-31-2024 Apr-30-2024 May-31-2024 Jun-30-2024 Jul-31-2024 Aug -31-2024

- - - - - -
Sep-30-2024 Oct-31-2024 Nov-30-2024 Dec-31-2024 Growth

- - - - -
 A

Jan-24 Feb-24 Mar-24

Projected Monthly Income $0 $0 $0
Actual Monthly Income $0 $0 $0

Projected Expenses $0 $0 $0
Actual Expenses $ - $ - Err:504

Projected Balance (Income - Expenses) ($229,000) $0 $0

Actual Balance (Income - Expenses) $0 $0 Err:504

Difference (Projected Bal - Actual Bal) $229,000 $0 Err:504

Projected Income v Actual Income

$1

$1

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
$0
Jan-24 Feb-24 Mar-24 Apr-24 May-24 Jun-24 Jul-24 Aug-24 Sep-24 Oct-24 Nov-24 Dec-24

Projected Monthly Income Actual Monthly Income

Projected Balance v Actual Balance

$0
Jan-24 Feb-24 Mar-24 Apr-24 May-24 Jun-24 Jul-24 Aug-24 Sep-24 Oct-24 Nov-24 Dec-24

($50,000)

($100,000)

($150,000)

($200,000)

($250,000)
($100,000)

($150,000)

($200,000)

($250,000)

Projected Balance (Income - Expenses) Actual Balance (Income - Expenses)

 Annual Summary of Budget

Apr-24 May-24 Jun-24 Jul-24 Aug-24 Sep-24

$0 $0 $0 $0 $0 $0
$0 $0 $0 $0 $0 $0

$0 $0 $0 $0 $0 $0
Err:504 Err:504 $ - $ - $ - $ -

$0 $0 $0 $0 $0 $0
Err:504 Err:504 $0 $0 $0 $0

Err:504 Err:504 $0 $0 $0 $0

Projected Expenses vs Actual Expenses

$1

$1

$0 $0 $0
$0
Oct-24 Nov-24 Dec-24 Jan-24 Feb-24 Mar-24 Apr-24 May-24 Jun-24 Jul-24 Aug-24 Sep-24 Oct-24

Projected Expenses Actual Expenses

Projected Balance v Actual Balance

$250,000
Oct-24 Nov-24 Dec-24

$200,000

$150,000

$100,000

$50,000

$0
Jan-24 Feb-24 Mar-24 Apr-24 May-24 Jun-24 Jul-24 Aug-24 Sep-24 Oct-24
 $100,000

$50,000

$0
Jan-24 Feb-24 Mar-24 Apr-24 May-24 Jun-24 Jul-24 Aug-24 Sep-24 Oct-24

s) Difference (Projected Bal - Actual Bal)

 Oct-24 Nov-24 Dec-24 Total Average Sparkline
$0 $0 $0 $0 Err:507
$0 $0 $0 $0 Err:507

$0 $0 $0 $0 Err:507
$ - $ - $ - Err:504 Err:507

$0 $0 $0 ($229,000) Err:507
$0 $0 $0 Err:504 Err:507

$0 $0 $0 Err:504 Err:507

vs Actual Expenses

Jul-24 Aug-24 Sep-24 Oct-24 Nov-24 Dec-24

Actual Expenses

v Actual Balance

24 Jul-24 Aug-24 Sep-24 Oct-24 Nov-24 Dec-24

24 Jul-24 Aug-24 Sep-24 Oct-24 Nov-24 Dec-24

cted Bal - Actual Bal)

Personal Monthly Budget -January 2024 (this is linked to
Net Income (After Taxes) 200,000.00
Extra income $ 5,000.00
PROJECTED MONTHLY INCOME
Bonus
Total monthly income $205,000

Net Income (After Taxes) 200,000.00

Extra income $ 2,000.00
ACTUAL MONTHLY INCOME
Bonus
Total monthly income $202,000

Item Projected Cost Actual Cost Difference

Baby $10,000 $ 5,000.00 $5,000
Car $4,000 $ 6,257.18 ($2,257)
Child Care $0 $ 5,000.00 ($5,000)
Eating Out $8,100 $ 2,000.00 $6,100
Entertainment $25,000 $ 2,935.80 $22,064
Food $0 $ 1,954.99 ($1,955)
Gas $4,000 $ 4,000.00 $0
Gifts $2,000 $ 9,013.23 ($7,013)
Groceries $8,000 $ 5,933.30 $2,067
Gym $8,000 $ - $8,000
Hair/Nails $0 $ 2,000.00 ($2,000)
Cable/ Internet $1,000 $ 8,335.02 ($7,335)
Loan $0 $ - $0
Medical $6,000 $ 5,700.00 $300
Phone $10,000 $ 3,808.31 $6,192
School $3,700 $ - $3,700
Shopping $3,700 $ 3,366.85 $333
Utilities $3,700 $ - $3,700
Vacation $30,000 $ 39,210.84 ($9,211)
Water $3,700 $ 6,353.55 ($2,654)
Savings $50,000
$0
Total $180,900 $110,869 $20,031

1st step: Update the Items on the

left with the categories that you
have created in your daily
expense tracker. Insert more
rows if neccessary.
left with the categories that you
have created in your daily
expense tracker. Insert more
rows if neccessary.
s is linked to the daily tracker)
PROJECTED BALANCE
$24,100
(Projected income minus expenses)

ACTUAL BALANCE (Actual

$91,131
income minus expenses)

DIFFERENCE (Actual
$67,031
minus projected)

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THESE ARE READING

FROM THE EXPENSE
TRACKER USING THE
VLOOKUP FORMULA

INPUT THE SAVINGS

MANUALLY
Personal Monthly Budget -January 2024
Net Income (Jan 2024)
Extra income
PROJECTED MONTHLY INCOME
Bonus
Total monthly income $0

Net Income (Jan 2024)

Extra income
ACTUAL MONTHLY INCOME
Bonus
Total monthly income $0

Item Projected Cost Actual Cost Difference

Baby $10,000 $ - $10,000
Car $3,000 $ - $3,000
Car Insurance $1,000 $ - $1,000
Charity $48,000 $ - $48,000
Child Care $5,000 $ - $5,000
Clothing $5,000 $ - $5,000
Eating Out $7,000 $ - $7,000
Electricity $8,000 $ - $8,000
Electronics $20,000 $ - $20,000
Entertainment $5,000 $ - $5,000
Food $1,000 $ - $1,000
Gas $10,000 $ - $10,000
Gifts $5,000 $ - $5,000
Groceries $40,000 $ - $40,000
Gym $20,000 $ - $20,000
Hair/Nails $0 $ - $0
Cable/ Internet $4,000 $ - $4,000
Loan $0 $ - $0
Medical $10,000 $ - $10,000
Phone $0 $ - $0
Moving $0 $ - $0
Mortgage/Rent $6,000 $ - $6,000
School $6,000 $ - $6,000
Shopping $6,000 $ - $6,000
Transportation $2,000 $ - $2,000
Utilities $2,000 $ - $2,000
Vacation $0 $ - $0
Water $5,000 $ - $5,000
Wedding $0 $ - $0

Total $ 229,000.00 $ - $ 229,000.00

PROJECTED BALANCE
($229,000)
(Projected income minus expenses)

ACTUAL BALANCE (Actual

$0
income minus expenses)

DIFFERENCE (Actual
$229,000
minus projected)

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THE ACTUAL COSTS ARE READING

FROM THE EXPENSE TRACKER USING
THE VLOOKUP FORMULA.

ONCE YOU UPDATE THE TRACKER IT

SHOULD UPDATE HERE ALSO.
Personal Monthly Budget -February 2024
Net Income (After Taxes)
Extra income
PROJECTED MONTHLY INCOME

Total monthly income $0

Income 1
Extra income
ACTUAL MONTHLY INCOME

Total monthly income $0

Item Projected Cost Actual Cost Difference

Baby $ - $0
Car $ - $0
Car Insurance $ - $0
Charity $ - $0
Child Care $ - $0
Clothing $ - $0
Eating Out $ - $0
Electricity $ - $0
Electronics $ - $0
Entertainment $ - $0
Food $ - $0
Gas $ - $0
Gifts $ - $0
Groceries $ - $0
Gym $ - $0
Hair/Nails $ - $0
Cable/ Internet $ - $0
Loan $ - $0
Medical $ - $0
Phone $ - $0
Moving $ - $0
Mortgage/Rent $ - $0
School $ - $0
Shopping $ - $0
Transportation $ - $0
Utilities $ - $0
Vacation $ - $0
Water $ - $0
Wedding $ - $0

Total $ - $ - $ -
PROJECTED BALANCE
$0
(Projected income minus expenses)

ACTUAL BALANCE (Actual

$0
income minus expenses)

DIFFERENCE (Actual
$0
minus projected)

www.financialcentsibility.com
0
Personal Monthly Budget -March 2024
Net Income (After Taxes)
Extra income
PROJECTED MONTHLY INCOME

Total monthly income $0

Income 1
Extra income
ACTUAL MONTHLY INCOME

Total monthly income $0

Item Projected Cost Actual Cost Difference

Baby Err:504 Err:504
Car Err:504 Err:504
Car Insurance Err:504 Err:504
Charity Err:504 Err:504
Child Care Err:504 Err:504
Clothing Err:504 Err:504
Eating Out Err:504 Err:504
Electricity Err:504 Err:504
Electronics Err:504 Err:504
Entertainment Err:504 Err:504
Food Err:504 Err:504
Gas Err:504 Err:504
Gifts Err:504 Err:504
Groceries Err:504 Err:504
Gym Err:504 Err:504
Hair/Nails Err:504 Err:504
Cable/ Internet Err:504 Err:504
Loan Err:504 Err:504
Medical Err:504 Err:504
Phone Err:504 Err:504
Moving Err:504 Err:504
Mortgage/Rent Err:504 Err:504
School Err:504 Err:504
Shopping Err:504 Err:504
Transportation Err:504 Err:504
Utilities Err:504 Err:504
Vacation Err:504 Err:504
Water Err:504 Err:504
Wedding Err:504 Err:504

Total $ - Err:504 Err:504

PROJECTED BALANCE
$0
(Projected income minus expenses)

ACTUAL BALANCE (Actual

Err:504
income minus expenses)

DIFFERENCE (Actual
Err:504
minus projected)

www.financialcentsibility.com
Personal Monthly Budget -April 2024
Net Income (After Taxes)
Extra income
PROJECTED MONTHLY INCOME

Total monthly income $0

Income 1
Extra income
ACTUAL MONTHLY INCOME

Total monthly income $0

Item Projected Cost Actual Cost Difference

Baby Err:504 Err:504
Car Err:504 Err:504
Car Insurance Err:504 Err:504
Charity Err:504 Err:504
Child Care Err:504 Err:504
Clothing Err:504 Err:504
Eating Out Err:504 Err:504
Electricity Err:504 Err:504
Electronics Err:504 Err:504
Entertainment Err:504 Err:504
Food Err:504 Err:504
Gas Err:504 Err:504
Gifts Err:504 Err:504
Groceries Err:504 Err:504
Gym Err:504 Err:504
Hair/Nails Err:504 Err:504
Cable/ Internet Err:504 Err:504
Loan Err:504 Err:504
Medical Err:504 Err:504
Phone Err:504 Err:504
Moving Err:504 Err:504
Mortgage/Rent Err:504 Err:504
School Err:504 Err:504
Shopping Err:504 Err:504
Transportation Err:504 Err:504
Utilities Err:504 Err:504
Vacation Err:504 Err:504
Water Err:504 Err:504
Wedding Err:504 Err:504

Total $ - Err:504 Err:504

PROJECTED BALANCE
$0
(Projected income minus expenses)

ACTUAL BALANCE (Actual

Err:504
income minus expenses)

DIFFERENCE (Actual
Err:504
minus projected)

www.financialcentsibility.com
Personal Monthly Budget -May 2024
Net Income (After Taxes)
Extra income
PROJECTED MONTHLY INCOME

Total monthly income $0

Income 1
Extra income
ACTUAL MONTHLY INCOME

Total monthly income $0

Item Projected Cost Actual Cost Difference

Baby Err:504 Err:504
Car Err:504 Err:504
Car Insurance Err:504 Err:504
Charity Err:504 Err:504
Child Care Err:504 Err:504
Clothing Err:504 Err:504
Eating Out Err:504 Err:504
Electricity Err:504 Err:504
Electronics Err:504 Err:504
Entertainment Err:504 Err:504
Food Err:504 Err:504
Gas Err:504 Err:504
Gifts Err:504 Err:504
Groceries Err:504 Err:504
Gym Err:504 Err:504
Hair/Nails Err:504 Err:504
Cable/ Internet Err:504 Err:504
Loan Err:504 Err:504
Medical Err:504 Err:504
Phone Err:504 Err:504
Moving Err:504 Err:504
Mortgage/Rent Err:504 Err:504
School Err:504 Err:504
Shopping Err:504 Err:504
Transportation Err:504 Err:504
Utilities Err:504 Err:504
Vacation Err:504 Err:504
Water Err:504 Err:504
Wedding Err:504 Err:504

Total $ - Err:504 Err:504

PROJECTED BALANCE
$0
(Projected income minus expenses)

ACTUAL BALANCE (Actual

Err:504
income minus expenses)

DIFFERENCE (Actual
Err:504
minus projected)

www.financialcentsibility.com
Personal Monthly Budget -June 2024
Net Income (After Taxes)
Extra income
PROJECTED MONTHLY INCOME

Total monthly income $0

Income 1
Extra income
ACTUAL MONTHLY INCOME

Total monthly income $0

Item Projected Cost Actual Cost Difference

Baby $0
Car $0
Car Insurance $0
Charity $0
Child Care $0
Clothing $0
Eating Out $0
Electricity $0
Electronics $0
Entertainment $0
Food $0
Gas $0
Gifts $0
Groceries $0
Gym $0
Hair/Nails $0
Cable/ Internet $0
Loan $0
Medical $0
Phone $0
Moving $0
Mortgage/Rent $0
School $0
Shopping $0
Transportation $0
Utilities $0
Vacation $0
Water $0
Wedding $0

Total $ - $ - $ -
PROJECTED BALANCE
$0
(Projected income minus expenses)

ACTUAL BALANCE (Actual

$0
income minus expenses)

DIFFERENCE (Actual
$0
minus projected)

www.financialcentsibility.com
Personal Monthly Budget -July 2024
Net Income (After Taxes)
Extra income
PROJECTED MONTHLY INCOME

Total monthly income $0

Income 1
Extra income
ACTUAL MONTHLY INCOME

Total monthly income $0

Item Projected Cost Actual Cost Difference

Baby $0
Car $0
Car Insurance $0
Charity $0
Child Care $0
Clothing $0
Eating Out $0
Electricity $0
Electronics $0
Entertainment $0
Food $0
Gas $0
Gifts $0
Groceries $0
Gym $0
Hair/Nails $0
Cable/ Internet $0
Loan $0
Medical $0
Phone $0
Moving $0
Mortgage/Rent $0
School $0
Shopping $0
Transportation $0
Utilities $0
Vacation $0
Water $0
Wedding $0

Total $ - $ - $ -
PROJECTED BALANCE
$0
(Projected income minus expenses)

ACTUAL BALANCE (Actual

$0
income minus expenses)

DIFFERENCE (Actual
$0
minus projected)

www.financialcentsibility.com
Personal Monthly Budget -August 2024
Net Income (After Taxes)
Extra income
PROJECTED MONTHLY INCOME

Total monthly income $0

Income 1
Extra income
ACTUAL MONTHLY INCOME

Total monthly income $0

Item Projected Cost Actual Cost Difference

Baby $0
Car $0
Car Insurance $0
Charity $0
Child Care $0
Clothing $0
Eating Out $0
Electricity $0
Electronics $0
Entertainment $0
Food $0
Gas $0
Gifts $0
Groceries $0
Gym $0
Hair/Nails $0
Cable/ Internet $0
Loan $0
Medical $0
Phone $0
Moving $0
Mortgage/Rent $0
School $0
Shopping $0
Transportation $0
Utilities $0
Vacation $0
Water $0
Wedding $0

Total $ - $ - $ -
PROJECTED BALANCE
$0
(Projected income minus expenses)

ACTUAL BALANCE (Actual

$0
income minus expenses)

DIFFERENCE (Actual
$0
minus projected)

www.financialcentsibility.com
Personal Monthly Budget -September 2024
Net Income (After Taxes)
Extra income
PROJECTED MONTHLY INCOME

Total monthly income $0

Income 1
Extra income
ACTUAL MONTHLY INCOME

Total monthly income $0

Item Projected Cost Actual Cost Difference

Baby $0
Car $0
Car Insurance $0
Charity $0
Child Care $0
Clothing $0
Eating Out $0
Electricity $0
Electronics $0
Entertainment $0
Food $0
Gas $0
Gifts $0
Groceries $0
Gym $0
Hair/Nails $0
Cable/ Internet $0
Loan $0
Medical $0
Phone $0
Moving $0
Mortgage/Rent $0
School $0
Shopping $0
Transportation $0
Utilities $0
Vacation $0
Water $0
Wedding $0

Total $ - $ - $ -
PROJECTED BALANCE
$0
(Projected income minus expenses)

ACTUAL BALANCE (Actual

$0
income minus expenses)

DIFFERENCE (Actual
$0
minus projected)

www.financialcentsibility.com
Personal Monthly Budget -October 2024
Net Income (After Taxes)
Extra income
PROJECTED MONTHLY INCOME

Total monthly income $0

Income 1
Extra income
ACTUAL MONTHLY INCOME

Total monthly income $0

Item Projected Cost Actual Cost Difference

Baby $0
Car $0
Car Insurance $0
Charity $0
Child Care $0
Clothing $0
Eating Out $0
Electricity $0
Electronics $0
Entertainment $0
Food $0
Gas $0
Gifts $0
Groceries $0
Gym $0
Hair/Nails $0
Cable/ Internet $0
Loan $0
Medical $0
Phone $0
Moving $0
Mortgage/Rent $0
School $0
Shopping $0
Transportation $0
Utilities $0
Vacation $0
Water $0
Wedding $0

Total $ - $ - $ -
PROJECTED BALANCE
$0
(Projected income minus expenses)

ACTUAL BALANCE (Actual

$0
income minus expenses)

DIFFERENCE (Actual
$0
minus projected)

www.financialcentsibility.com
Personal Monthly Budget -November 2024
Net Income (After Taxes)
Extra income
PROJECTED MONTHLY INCOME

Total monthly income $0

Income 1
Extra income
ACTUAL MONTHLY INCOME

Total monthly income $0

Item Projected Cost Actual Cost Difference

Baby $0
Car $0
Car Insurance $0
Charity $0
Child Care $0
Clothing $0
Eating Out $0
Electricity $0
Electronics $0
Entertainment $0
Food $0
Gas $0
Gifts $0
Groceries $0
Gym $0
Hair/Nails $0
Cable/ Internet $0
Loan $0
Medical $0
Phone $0
Moving $0
Mortgage/Rent $0
School $0
Shopping $0
Transportation $0
Utilities $0
Vacation $0
Water $0
Wedding $0

Total $ - $ - $ -
PROJECTED BALANCE
$0
(Projected income minus expenses)

ACTUAL BALANCE (Actual

$0
income minus expenses)

DIFFERENCE (Actual
$0
minus projected)

www.financialcentsibility.com
Personal Monthly Budget -December 2024
Net Income (After Taxes)
Extra income
PROJECTED MONTHLY INCOME

Total monthly income $0

Income 1
Extra income
ACTUAL MONTHLY INCOME

Total monthly income $0

Item Projected Cost Actual Cost Difference

Baby $0
Car $0
Car Insurance $0
Charity $0
Child Care $0
Clothing $0
Eating Out $0
Electricity $0
Electronics $0
Entertainment $0
Food $0
Gas $0
Gifts $0
Groceries $0
Gym $0
Hair/Nails $0
Cable/ Internet $0
Loan $0
Medical $0
Phone $0
Moving $0
Mortgage/Rent $0
School $0
Shopping $0
Transportation $0
Utilities $0
Vacation $0
Water $0
Wedding $0

Total $ - $ - $ -
PROJECTED BALANCE
$0
(Projected income minus expenses)

ACTUAL BALANCE (Actual

$0
income minus expenses)

DIFFERENCE (Actual
$0
minus projected)

www.financialcentsibility.com