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family budget planner (Excel)

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					Family Budget Planner

             Beginning Spending Balance             575                                                                                                       [42]




              Beginning Savings Balance             800                                                                                                       [42]




             Summary                   Jan       Feb       Mar         Apr      May       Jun        Jul         Aug       Sep      Oct      Nov      Dec            Total       Avg
               Total Income             2,100     2,100        2,100    2,100     2,100    2,100      2,100        2,100    2,100    2,100    2,100    2,100          25,200      2,100
             Total Expenses             1,975     2,155        2,015    2,035     1,885    2,240      2,050        1,950    1,991    2,125    2,065    2,335          24,821      2,068
    NET (Income - Expenses)              125        (55)         85       65       215     (140)           50       150      109      (25)      35     (235)            379         32
      Adjustment to Savings                                                                                                                                                  0         0
           Spending Balance              700       645          730      795     1,010      870        920        1,070    1,179    1,154    1,189      954
            Savings Balance              950      1,100        1,250    1,400    1,550    1,950      2,100        2,250    2,400    2,800    2,950    3,350

                        Negative NET            Positive NET           Spending Balance                                             Savings Balance
     1,400                                                                                         4,000
     1,200                                                                                         3,500
     1,000
                                                                                                   3,000
       800
                                                                                                   2,500
       600
                                                                                                   2,000
       400
       200                                                                                         1,500
         0                                                                                         1,000
      -200                                                                                          500
      -400                                                                                            0
                 Jan Feb Mar    Apr May Jun          Jul   Aug Sep Oct Nov Dec                                  Jan Feb Mar Apr May Jun       Jul Aug Sep Oct Nov Dec

             INCOME                    Jan       Feb       Mar         Apr      May       Jun        Jul          Aug      Sep      Oct      Nov      Dec            Total       Avg
Wages & Tips                            2,100     2,100        2,100    2,100     2,100    2,100      2,100        2,100    2,100    2,100    2,100    2,100          25,200      2,100
Interest Income                                                                                                                                                              0         0
Dividends                                                                                                                                                                    0         0
Gifts Received                                                                                                                                                               0         0
Refunds/Reimbursements                                                                                                                                                       0         0
Other                                                                                                                                                                        0         0
Transfer From Savings                                                                                                                                                        0         0
                     Total INCOME       2,100     2,100        2,100    2,100     2,100    2,100      2,100        2,100    2,100    2,100    2,100    2,100          25,200      2,100


     SAVINGS EXPENSE                   Jan       Feb       Mar         Apr      May       Jun        Jul          Aug      Sep      Oct      Nov      Dec            Total       Avg
To Savings Account                                                                                                                             150      150             300            25
To Emergency Fund                        150        150          150      150      150      150        150          150      150      150                              1,500       125
To Retirement (401k, IRA)                                                                      200                                     200                 200       600            50
To Investments                                                                                                                                                            0         0
To College Savings                                                                                 50                                      50               50       150            13
Other                                                                                                                                                                     0         0
           Total SAVINGS EXPENSE          150        150        150        150        150      400        150        150      150      400        150      400      2,550       213
                  % of Total Expenses    7.6%       7.0%       7.4%       7.4%       8.0%    17.9%       7.3%       7.7%     7.5%    18.8%       7.3%    17.1%     10.3%      10.3%


        HOME EXPENSES                   Jan        Feb        Mar        Apr        May      Jun        Jul        Aug      Sep      Oct        Nov      Dec      Total       Avg
Mortgage/Rent                            1,250      1,250      1,250      1,250      1,250    1,250     1,250       1,250    1,250    1,250      1,250    1,250    15,000      1,250
Electricity                                   50         45         45         50      60      100        150        175      140          70      50       50       985            82
Gas/Oil                                   200        185        150            90      50          45         30      30       56          80     120      190      1,226       102
Water/Sewer/Trash                                                                                                                                                         0         0
Phone                                         95         95         95         95      95          95         95      95       95          95      95       95      1,140           95
Cable/Satellite                                                                                                                                                           0         0
Internet                                                                                                                                                                  0         0
Furnishings/Appliances                                                                                                                                                    0         0
Lawn/Garden                                                                                                                                                               0         0
Home Supplies                                                                                                                                                             0         0
Maintenance                                                                                                                                                               0         0
Improvements                                                                                                                                                              0         0
Other                                                                                                                                                                     0         0
              Total HOME EXPENSES        1,595      1,575      1,540      1,485      1,455    1,490     1,525       1,550    1,541    1,495      1,515    1,585    18,351      1,529
                  % of Total Expenses   80.8%      73.1%      76.4%      73.0%      77.2%    66.5%      74.4%      79.5%    77.4%    70.4%      73.4%    67.9%     73.9%      73.9%


           DAILY LIVING                 Jan        Feb        Mar        Apr        May      Jun        Jul        Aug      Sep      Oct        Nov      Dec      Total       Avg
Groceries                                 230        430        325        400        280      350        375        250      300      230        400      350      3,920       327
Personal Supplies                                                                                                                                                         0         0
Clothing                                                                                                                                                                  0         0
Cleaning Services                                                                                                                                                         0         0
Dining/Eating Out                                                                                                                                                         0         0
Dry Cleaning                                                                                                                                                              0         0
Salon/Barber                                                                                                                                                              0         0
Discretionary [Name 1]                                                                                                                                                    0         0
Discretionary [Name 2]                                                                                                                                                    0         0
Other                                                                                                                                                                     0         0
                  Total DAILY LIVING      230        430        325        400        280      350        375        250      300      230        400      350      3,920       327
                  % of Total Expenses   11.6%      20.0%      16.1%      19.7%      14.9%    15.6%      18.3%      12.8%    15.1%    10.8%      19.4%    15.0%     15.8%      15.8%


              CHILDREN                  Jan        Feb        Mar        Apr        May      Jun        Jul        Aug      Sep      Oct        Nov      Dec      Total       Avg
Medical                                                                                                                                                                   0         0
Clothing                                                                                                                                                                  0         0
School Tuition                                                                                                                                                            0         0
School Lunch                                                                                                                                                              0         0
School Supplies                                                                                                                                                        0         0
Babysitting                                                                                                                                                            0         0
Toys/Games                                                                                                                                                             0         0
Other                                                                                                                                                                  0         0
                   Total CHILDREN            0         0         0         0         0         0         0         0         0         0         0         0           0         0
                 % of Total Expenses    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%


       TRANSPORTATION                  Jan       Feb       Mar       Apr       May       Jun       Jul       Aug       Sep       Oct       Nov       Dec       Total       Avg
Vehicle Payments                                                                                                                                                       0         0
Fuel                                                                                                                                                                   0         0
Bus/Taxi/Train Fare                                                                                                                                                    0         0
Repairs                                                                                                                                                                0         0
Registration/License                                                                                                                                                   0         0
Other                                                                                                                                                                  0         0
          Total TRANSPORTATION               0         0         0         0         0         0         0         0         0         0         0         0           0         0
                 % of Total Expenses    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%


              HEALTH                   Jan       Feb       Mar       Apr       May       Jun       Jul       Aug       Sep       Oct       Nov       Dec       Total       Avg
Doctor/Dentist                                                                                                                                                         0         0
Medicine/Drugs                                                                                                                                                         0         0
Health Club Dues                                                                                                                                                       0         0
Emergency                                                                                                                                                              0         0
Other                                                                                                                                                                  0         0
                       Total HEALTH          0         0         0         0         0         0         0         0         0         0         0         0           0         0
                 % of Total Expenses    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%


          INSURANCE                    Jan       Feb       Mar       Apr       May       Jun       Jul       Aug       Sep       Oct       Nov       Dec       Total       Avg
Auto                                                                                                                                                                   0         0
Health                                                                                                                                                                 0         0
Home/Rental                                                                                                                                                            0         0
Life                                                                                                                                                                   0         0
Other                                                                                                                                                                  0         0
                  Total INSURANCE            0         0         0         0         0         0         0         0         0         0         0         0           0         0
                 % of Total Expenses    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%


          EDUCATION                    Jan       Feb       Mar       Apr       May       Jun       Jul       Aug       Sep       Oct       Nov       Dec       Total       Avg
Tuition                                                                                                                                                                0         0
Books                                                                                                                                                                  0         0
Music Lessons                                                                                                                                                          0         0
Other                                                                                                                                                                  0         0
                  Total EDUCATION            0         0         0         0         0         0         0         0         0         0         0         0           0         0
                 % of Total Expenses    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%
          CHARITY/GIFTS                Jan       Feb       Mar       Apr       May       Jun       Jul       Aug       Sep       Oct       Nov       Dec       Total       Avg
Gifts Given                                                                                                                                                            0         0
Charitable Donations                                                                                                                                                   0         0
Religious Donations                                                                                                                                                    0         0
Other                                                                                                                                                                  0         0
               Total CHARITY/GIFTS           0         0         0         0         0         0         0         0         0         0         0         0           0         0
                 % of Total Expenses    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                  Jan       Feb       Mar       Apr       May       Jun       Jul       Aug       Sep       Oct       Nov       Dec       Total       Avg
Student Loan                                                                                                                                                           0         0
Other Loan                                                                                                                                                             0         0
Credit Card #1                                                                                                                                                         0         0
Credit Card #2                                                                                                                                                         0         0
Credit Card #3                                                                                                                                                         0         0
Alimony/Child Support                                                                                                                                                  0         0
Federal Taxes                                                                                                                                                          0         0
State/Local Taxes                                                                                                                                                      0         0
Legal Fees                                                                                                                                                             0         0
Other                                                                                                                                                                  0         0
                 Total OBLIGATIONS           0         0         0         0         0         0         0         0         0         0         0         0           0         0
                 % of Total Expenses    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                   Jan       Feb       Mar       Apr       May       Jun       Jul       Aug       Sep       Oct       Nov       Dec       Total       Avg
Deductible Expenses                                                                                                                                                    0         0
Non-Deductible Expenses                                                                                                                                                0         0
Other                                                                                                                                                                  0         0
Other                                                                                                                                                                  0         0
          Total BUSINESS EXPENSE             0         0         0         0         0         0         0         0         0         0         0         0           0         0
                 % of Total Expenses    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                  Jan       Feb       Mar       Apr       May       Jun       Jul       Aug       Sep       Oct       Nov       Dec       Total       Avg
Videos/DVDs                                                                                                                                                            0         0
Music                                                                                                                                                                  0         0
Games                                                                                                                                                                  0         0
Rentals                                                                                                                                                                0         0
Movies/Theater                                                                                                                                                         0         0
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
Other                                                                                                                                                                 0            0
             Total ENTERTAINMENT            0         0         0         0         0         0         0         0         0         0         0         0           0            0
                % of Total Expenses    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%
                                                                                                                                                                      {42}




                PETS                  Jan       Feb       Mar       Apr       May       Jun       Jul       Aug       Sep       Oct       Nov       Dec       Total          Avg
Food                                                                                                                                                                  0            0
Medical                                                                                                                                                               0            0
Toys/Supplies                                                                                                                                                         0            0
Other                                                                                                                                                                 0            0
                        Total PETS          0         0         0         0         0         0         0         0         0         0         0         0           0            0
                % of Total Expenses    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%


         SUBSCRIPTIONS                Jan       Feb       Mar       Apr       May       Jun       Jul       Aug       Sep       Oct       Nov       Dec       Total          Avg
Newspaper                                                                                                                                                             0            0
Magazines                                                                                                                                                             0            0
Dues                                                                                                                                                                  0            0
Club Memberships                                                                                                                                                      0            0
Other                                                                                                                                                                 0            0
             Total SUBSCRIPTIONS            0         0         0         0         0         0         0         0         0         0         0         0           0            0
                % of Total Expenses    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%


             VACATION                 Jan       Feb       Mar       Apr       May       Jun       Jul       Aug       Sep       Oct       Nov       Dec       Total          Avg
Travel                                                                                                                                                                0            0
Lodging                                                                                                                                                               0            0
Food                                                                                                                                                                  0            0
Rental Car                                                                                                                                                            0            0
Entertainment                                                                                                                                                         0            0
Other                                                                                                                                                                 0            0
                   Total VACATION           0         0         0         0         0         0         0         0         0         0         0         0           0            0
                % of Total Expenses    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%
                               [42]
         MISCELLANEOUS                Jan       Feb       Mar       Apr       May       Jun       Jul       Aug       Sep       Oct       Nov       Dec       Total          Avg
Bank Fees                                                                                                                                                             0            0
Postage                                                                                                                                                               0            0
Other                                                                                                                                                                 0            0
Other                                                                                                                                                                 0            0
Other                                                                                                                                                                 0            0
             Total MISCELLANEOUS            0         0         0         0         0         0         0         0         0         0         0         0           0            0
                % of Total Expenses    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%

				
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