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					  1998        0                          0                          0                                                               0                           0

November    $0.00                      $0.00                      $0.00                            BANK TRANSACTIONS              $0.00                       $0.00

   27      House     Chk    House      Food     Chk     Food     Vehicle   Chk    Vehicle   Deposit &     Bank         Bank      Clothing   Chk   Clothing   Medical   Chk   Medical

  Date     Expense   No.   Comments   Expense   No.   Comments   Expense   No.   Comments   Withdrawal   Balance      Comments   Expense    No.   Comments   Expense   No.   Comments

6-May-98                                                                                                  $0.00

 7-May                                                                                                        $0.00

 8-May                                                                                                        $0.00

 9-May                                                                                                        $0.00

 10-May                                                                                                       $0.00

 11-May                                                                                                       $0.00

 12-May                                                                                                       $0.00

 13-May                                                                                                       $0.00

 14-May                                                                                                       $0.00

 15-May                                                                                                       $0.00

 16-May                                                                                                       $0.00

 17-May                                                                                                       $0.00

 18-May                                                                                                       $0.00

 19-May                                                                                                       $0.00

 20-May                                                                                                       $0.00

 21-May                                                                                                       $0.00

 22-May                                                                                                       $0.00

 23-May                                                                                                       $0.00

 24-May                                                                                                       $0.00

 25-May                                                                                                       $0.00

 26-May                                                                                                       $0.00

 27-May                                                                                                       $0.00

 28-May                                                                                                       $0.00

 29-May                                                                                                       $0.00

 30-May                                                                                                       $0.00

 31-May                                                                                                       $0.00

 1-Jun                                                                                                        $0.00

 2-Jun                                                                                                        $0.00

 3-Jun                                                                                                        $0.00

 4-Jun                                                                                                        $0.00

 5-Jun                                                                                                        $0.00

 6-Jun                                                                                                        $0.00

 7-Jun                                                                                                        $0.00
8-Jun    $0.00

9-Jun    $0.00

10-Jun   $0.00

11-Jun   $0.00

12-Jun   $0.00

13-Jun   $0.00

14-Jun   $0.00

15-Jun   $0.00

16-Jun   $0.00

17-Jun   $0.00

18-Jun   $0.00

19-Jun   $0.00

20-Jun   $0.00

21-Jun   $0.00

22-Jun   $0.00

23-Jun   $0.00

24-Jun   $0.00

25-Jun   $0.00

26-Jun   $0.00

27-Jun   $0.00

28-Jun   $0.00

29-Jun   $0.00

30-Jun   $0.00

1-Jul    $0.00

2-Jul    $0.00

3-Jul    $0.00

4-Jul    $0.00

5-Jul    $0.00

6-Jul    $0.00

7-Jul    $0.00

8-Jul    $0.00

9-Jul    $0.00

10-Jul   $0.00

11-Jul   $0.00

12-Jul   $0.00

13-Jul   $0.00

14-Jul   $0.00
15-Jul   $0.00

16-Jul   $0.00

17-Jul   $0.00

18-Jul   $0.00

19-Jul   $0.00

20-Jul   $0.00

21-Jul   $0.00

22-Jul   $0.00

23-Jul   $0.00

24-Jul   $0.00

25-Jul   $0.00

26-Jul   $0.00

27-Jul   $0.00

28-Jul   $0.00

29-Jul   $0.00

30-Jul   $0.00

31-Jul   $0.00

1-Aug    $0.00

2-Aug    $0.00

3-Aug    $0.00

4-Aug    $0.00

5-Aug    $0.00

6-Aug    $0.00

7-Aug    $0.00

8-Aug    $0.00

9-Aug    $0.00

10-Aug   $0.00

11-Aug   $0.00

12-Aug   $0.00

13-Aug   $0.00

14-Aug   $0.00

15-Aug   $0.00

16-Aug   $0.00

17-Aug   $0.00

18-Aug   $0.00

19-Aug   $0.00

20-Aug   $0.00
21-Aug   $0.00

22-Aug   $0.00

23-Aug   $0.00

24-Aug   $0.00

25-Aug   $0.00

26-Aug   $0.00

27-Aug   $0.00

28-Aug   $0.00

29-Aug   $0.00

30-Aug   $0.00

31-Aug   $0.00

1-Sep    $0.00

2-Sep    $0.00

3-Sep    $0.00

4-Sep    $0.00

5-Sep    $0.00

6-Sep    $0.00

7-Sep    $0.00

8-Sep    $0.00

9-Sep    $0.00

10-Sep   $0.00

11-Sep   $0.00

12-Sep   $0.00

13-Sep   $0.00

14-Sep   $0.00

15-Sep   $0.00

16-Sep   $0.00

17-Sep   $0.00

18-Sep   $0.00

19-Sep   $0.00

20-Sep   $0.00

21-Sep   $0.00

22-Sep   $0.00

23-Sep   $0.00

24-Sep   $0.00

25-Sep   $0.00

26-Sep   $0.00
27-Sep   $0.00

28-Sep   $0.00

29-Sep   $0.00

30-Sep   $0.00

1-Oct    $0.00

2-Oct    $0.00

3-Oct    $0.00

4-Oct    $0.00

5-Oct    $0.00

6-Oct    $0.00

7-Oct    $0.00

8-Oct    $0.00

9-Oct    $0.00

10-Oct   $0.00

11-Oct   $0.00

12-Oct   $0.00

13-Oct   $0.00

14-Oct   $0.00

15-Oct   $0.00

16-Oct   $0.00

17-Oct   $0.00

18-Oct   $0.00

19-Oct   $0.00

20-Oct   $0.00

21-Oct   $0.00

22-Oct   $0.00

23-Oct   $0.00

24-Oct   $0.00

25-Oct   $0.00

26-Oct   $0.00

27-Oct   $0.00

28-Oct   $0.00

29-Oct   $0.00

30-Oct   $0.00

31-Oct   $0.00

1-Nov    $0.00

2-Nov    $0.00
3-Nov    $0.00

4-Nov    $0.00

5-Nov    $0.00

6-Nov    $0.00

7-Nov    $0.00

8-Nov    $0.00

9-Nov    $0.00

10-Nov   $0.00

11-Nov   $0.00

12-Nov   $0.00

13-Nov   $0.00

14-Nov   $0.00

15-Nov   $0.00

16-Nov   $0.00

17-Nov   $0.00

18-Nov   $0.00

19-Nov   $0.00

20-Nov   $0.00

21-Nov   $0.00

22-Nov   $0.00

23-Nov   $0.00

24-Nov   $0.00

25-Nov   $0.00

26-Nov   $0.00

27-Nov   $0.00

28-Nov   $0.00

29-Nov   $0.00

30-Nov   $0.00

1-Dec    $0.00

2-Dec    $0.00

3-Dec    $0.00

4-Dec    $0.00

5-Dec    $0.00

6-Dec    $0.00

7-Dec    $0.00

8-Dec    $0.00

9-Dec    $0.00
10-Dec   $0.00

11-Dec   $0.00

12-Dec   $0.00

13-Dec   $0.00

14-Dec   $0.00

15-Dec   $0.00

16-Dec   $0.00

17-Dec   $0.00

18-Dec   $0.00

19-Dec   $0.00

20-Dec   $0.00

21-Dec   $0.00

22-Dec   $0.00

23-Dec   $0.00

24-Dec   $0.00

25-Dec   $0.00

26-Dec   $0.00

27-Dec   $0.00

28-Dec   $0.00

29-Dec   $0.00

30-Dec   $0.00

31-Dec   $0.00

         $0.00

         $0.00

         $0.00

         $0.00

         $0.00

         $0.00

         $0.00

         $0.00

         $0.00

         $0.00

         $0.00

         $0.00

         $0.00

         $0.00

         $0.00
$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00
$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00
$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00
$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00

$0.00
   0                          0                          0                         1998

 $0.00                      $0.00                      $0.00                     November

 Pet(s)   Chk    Pet(s)    Travel    Chk    Travel     Misc.    Chk    Misc.        27

Expense   No.   Comments   Expense   No.   Comments   Expense   No.   Comments     Date

                                                                                 6-May-98

                                                                                  7-May

                                                                                  8-May

                                                                                  9-May

                                                                                  10-May

                                                                                  11-May

                                                                                  12-May

                                                                                  13-May

                                                                                  14-May

                                                                                  15-May

                                                                                  16-May

                                                                                  17-May

                                                                                  18-May

                                                                                  19-May

                                                                                  20-May

                                                                                  21-May

                                                                                  22-May

                                                                                  23-May

                                                                                  24-May

                                                                                  25-May

                                                                                  26-May

                                                                                  27-May

                                                                                  28-May

                                                                                  29-May

                                                                                  30-May

                                                                                  31-May

                                                                                  1-Jun

                                                                                  2-Jun

                                                                                  3-Jun

                                                                                  4-Jun

                                                                                  5-Jun

                                                                                  6-Jun

                                                                                  7-Jun
8-Jun

9-Jun

10-Jun

11-Jun

12-Jun

13-Jun

14-Jun

15-Jun

16-Jun

17-Jun

18-Jun

19-Jun

20-Jun

21-Jun

22-Jun

23-Jun

24-Jun

25-Jun

26-Jun

27-Jun

28-Jun

29-Jun

30-Jun

1-Jul

2-Jul

3-Jul

4-Jul

5-Jul

6-Jul

7-Jul

8-Jul

9-Jul

10-Jul

11-Jul

12-Jul

13-Jul

14-Jul
15-Jul

16-Jul

17-Jul

18-Jul

19-Jul

20-Jul

21-Jul

22-Jul

23-Jul

24-Jul

25-Jul

26-Jul

27-Jul

28-Jul

29-Jul

30-Jul

31-Jul

1-Aug

2-Aug

3-Aug

4-Aug

5-Aug

6-Aug

7-Aug

8-Aug

9-Aug

10-Aug

11-Aug

12-Aug

13-Aug

14-Aug

15-Aug

16-Aug

17-Aug

18-Aug

19-Aug

20-Aug
21-Aug

22-Aug

23-Aug

24-Aug

25-Aug

26-Aug

27-Aug

28-Aug

29-Aug

30-Aug

31-Aug

1-Sep

2-Sep

3-Sep

4-Sep

5-Sep

6-Sep

7-Sep

8-Sep

9-Sep

10-Sep

11-Sep

12-Sep

13-Sep

14-Sep

15-Sep

16-Sep

17-Sep

18-Sep

19-Sep

20-Sep

21-Sep

22-Sep

23-Sep

24-Sep

25-Sep

26-Sep
27-Sep

28-Sep

29-Sep

30-Sep

1-Oct

2-Oct

3-Oct

4-Oct

5-Oct

6-Oct

7-Oct

8-Oct

9-Oct

10-Oct

11-Oct

12-Oct

13-Oct

14-Oct

15-Oct

16-Oct

17-Oct

18-Oct

19-Oct

20-Oct

21-Oct

22-Oct

23-Oct

24-Oct

25-Oct

26-Oct

27-Oct

28-Oct

29-Oct

30-Oct

31-Oct

1-Nov

2-Nov
3-Nov

4-Nov

5-Nov

6-Nov

7-Nov

8-Nov

9-Nov

10-Nov

11-Nov

12-Nov

13-Nov

14-Nov

15-Nov

16-Nov

17-Nov

18-Nov

19-Nov

20-Nov

21-Nov

22-Nov

23-Nov

24-Nov

25-Nov

26-Nov

27-Nov

28-Nov

29-Nov

30-Nov

1-Dec

2-Dec

3-Dec

4-Dec

5-Dec

6-Dec

7-Dec

8-Dec

9-Dec
10-Dec

11-Dec

12-Dec

13-Dec

14-Dec

15-Dec

16-Dec

17-Dec

18-Dec

19-Dec

20-Dec

21-Dec

22-Dec

23-Dec

24-Dec

25-Dec

26-Dec

27-Dec

28-Dec

29-Dec

30-Dec

31-Dec
    Magic

    Formulas

    Below !!!

(Do Not Delete!)



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# # # # # # # #
Date       Expense                   Total     Percentage
# House                               $0          0.0%       $1
# Food                                $0          0.0%       $1
# Vehicle                             $0          0.0%       $1
# Clothing                            $0          0.0%       $1
# Medical                             $0          0.0%
                                                             $1
# Pet(s)                              $0          0.0%
                                                             $1
# Travel                              $0          0.0%
                                                             $0
# Misc.                               $0          0.0%
                                                             $0
#   Total Expense =                   $0          0.0%

                            Bank Balance                     $0
#

#
       $1                                                    $0
       $1
#      $1                                                    $0




                                                                                             Clothing


                                                                                                        Medical
                                                                                   Vehicle
                                                                    House




                                                                                                                  Pet(s)




                                                                                                                                    Misc.
                                                                                                                           Travel
                                                                            Food
       $1
#
       $1
#      $1
       $0
#
       $0
#      $0
       $0                                                   These graphs change automatically as your Expenses change.
#      $0
            M   J   J   A    S   O    N    D
                                                            They show the Total Dollars spent in each category (above),
#                                                           and (on the left) the changing Bank Balance.
#

#   Bank Balance as of November 27                $0

#

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D
            The current Year               Explanation                         Enter an Expense and a (short) explanation
                                                                               under Comments, on the appropriate day. (Try it here!)
  1998        Today's
              32          Date                28

November    $425.66                         $382.46                            This gives the Total Expense (to date) for
                                                                               House or Food or Vehicle etc. etc.
   27       House        Chk       House    Vehicle      Chk         Vehicle

  Date      Expense      No.    Comments    Expense      No.     Comments      This gives a (very rough) estimate of what your
                                                                               Annual Expense might be (after 365 days ...
20-Jun-98      $125.57 205 Hydro                                               IF you kept spending at the same rate).
 21-Jun                                         $20.01         Gas
                                                                               You may begin on any day; just enter the Starting
 22-Jun        $234.00         Taxes
                                                                               Date here as (for example): 6/20/98 (it appears as 20-Jun-98)
 23-Jun                                                                        All subsequent dates will change automatically.
 24-Jun         $22.33 206 Phone                $60.00   207 Licence
                                                                               (Try it here!) The spreadsheet goes to Dec 31.
                                                                               For the Bank columns, enter a Deposit as a positive
 25-Jun                                                                        number (like 123.45 which will appear as $123.45 )
 26-Jun                                                                        and a Withdrawal as a negative number (like -234.56
 27-Jun                                         $67.89   208 Repairs
                                                                               which appears red, as $234.56 ). Checks (with a Chk No.)
                                                                               are automatically subtracted from the Bank Balance.
 28-Jun                                                                         Note: Type Starting Bank Balance into the first cell.
 29-Jun         $16.78         Curtains                                        Type numbers ONLY in the
 30-Jun                                                                                                          white spaces
                                                                               Note: Each new year (1) Save the spreadsheet as, say
  1-Jul                                                                        "1998 Expenses" (2) Delete all the white spaces
                                                                               (3) Change the Year (in the upper left corner, for example
  2-Jul
                                                                               1999 ) (4) Type in a Starting Date (like 1/1/99 ) (5) Type
  3-Jul                                                                        in the initial Bank Balance, then (6) Save this new
  4-Jul         $15.99         Paint                                           spreadsheet as "1999 Expenses". (Your old spreadsheet
                                                                               is still available; it has the name you gave it above.)
  5-Jul

  6-Jul                                        $234.56         Insurance

  7-Jul         $10.99         Misc

  8-Jul

  9-Jul

 10-Jul

 11-Jul

 12-Jul

 13-Jul

 14-Jul

 15-Jul

 16-Jul

 17-Jul

 18-Jul

 19-Jul

 20-Jul
21-Jul

22-Jul

23-Jul

24-Jul

25-Jul

26-Jul

27-Jul

28-Jul

29-Jul

30-Jul

31-Jul

1-Aug

2-Aug

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4-Aug

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6-Aug

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10-Aug

11-Aug

12-Aug

13-Aug

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15-Aug

16-Aug

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18-Aug

19-Aug

20-Aug

21-Aug

22-Aug

23-Aug

24-Aug

25-Aug

26-Aug
27-Aug

28-Aug

29-Aug

30-Aug

31-Aug

1-Sep

2-Sep

3-Sep

4-Sep

5-Sep

6-Sep

7-Sep

8-Sep

9-Sep

10-Sep

11-Sep

12-Sep

13-Sep

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22-Sep

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27-Sep

28-Sep

29-Sep

30-Sep

1-Oct

2-Oct
3-Oct

4-Oct

5-Oct

6-Oct

7-Oct

8-Oct

9-Oct

10-Oct

11-Oct

12-Oct

13-Oct

14-Oct

15-Oct

16-Oct

17-Oct

18-Oct

19-Oct

20-Oct

21-Oct

22-Oct

23-Oct

24-Oct

25-Oct

26-Oct

27-Oct

28-Oct

29-Oct

30-Oct

31-Oct

1-Nov

2-Nov

3-Nov

4-Nov

5-Nov

6-Nov

7-Nov

8-Nov
9-Nov

10-Nov

11-Nov

12-Nov

13-Nov

14-Nov

15-Nov

16-Nov

17-Nov

18-Nov

19-Nov

20-Nov

21-Nov

22-Nov

23-Nov

24-Nov

25-Nov

26-Nov

27-Nov

28-Nov

29-Nov

30-Nov

1-Dec

2-Dec

3-Dec

4-Dec

5-Dec

6-Dec

7-Dec

8-Dec

9-Dec

10-Dec

11-Dec

12-Dec

13-Dec

14-Dec

15-Dec
16-Dec

17-Dec

18-Dec

19-Dec

20-Dec

21-Dec

22-Dec

23-Dec

24-Dec

25-Dec

26-Dec

27-Dec

28-Dec

29-Dec

30-Dec

31-Dec
$125.44                                               BANK TRANSACTIONS

Vehicle           Chk          Vehicle   Deposit &           Bank           Bank

Expense           No.         Comments   Withdrawal        Balance         Comments   Additional Notes:
                                                            $567.89                   (1) Type in your Initial Bank Balance
                                               $500.00         $1,067.89              (2) You may change any of these names
    $123.45       59    new tire                                $944.44                  (example: change Vehicle to Boat)
                                                                $944.44               (3) The Bank Balance gets reduced by
          $1.99         gas                                     $944.44                   the amount of a check ONLY if there is a
                                                                $944.44                  Chk No. (Try it; delete the check number.)
                                                                $944.44               (4) Direct bank deposits (example 500) are
                                               $256.00          $688.44                  typed in as 500 whereas withdrawals are
                                                                $688.44                  typed in as a negative number
                                               $125.00          $813.44                  (example -256). Try it here, now!
                                               $456.00          $357.44               (5) Moneyback guarantee on the efficacy of this
                                                                $357.44                  spreadsheet.

				
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