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budget-planner

VIEWS: 24 PAGES: 16

  • pg 1
									Budget planner
                    Financial
 Income                               Home /             Education /            Shopping /          Entertainment /   Results
                  commitments                                                                                                     Summary

   HOW TO USE                                                                                                                     Show results      Quarterly



   Programs                                                                                                                       Income
     you can save Excel file to your own computer                                                                                Income                        $0
     you need Microsoft Office 2003 or higher (Excel)
                                                                                                                                Total income:                   $0

   Customising                                                                                                                    Outgoings
    you can choose how often you receive income or pay expenses using the dropdown list in the frequency column                  Financial comm.               $0
    you can customise the labels in the spreadsheet to better suit your needs by renaming existing fields                        Home                          $0
                                                                                                                                  Utilities                     $0
   NOTE: Altering the budget planner (eg. adding rows/columns) may result in incorrect outputs                                    Education                     $0
                                                                                                                                  Health                        $0
                                                                                                                                  Shopping                      $0
   Feedback                                                                                                                       Transport                     $0
   We welcome all feedback. Send feedback via the website form (www.moneysmart.gov.au/feedback) or use the                        Entertainment                 $0
   feedback options on the Budget Planner webpage                                                                                 Eating out                    $0

                                                                                                                                Total outgoings:                $0



   This original version of this budget planner is published on www.moneysmart.gov.au and is subject to copyright.              What's left:                    $0
                                                                                                                                                       per quarter
   [Version: 2.00 - Sept 2011]



   Source: www.moneysmart.gov.au




                                                                                Page 1
Budget planner
                   Financial
 Income                            Home / utilities   Education / health Shopping / transport     Entertainment /    Results
                 commitments                                                                                                     Summary

   Income                                                                                                                        Show results      Quarterly

                                                        Frequency                  Amount        Quarterly Amount
   Your take-home pay                                   Monthly                        $0                      $0                Income
   Your partner's take-home pay                         Fortnightly                    $0                      $0                Income                         $0

   Bonuses/overtime                                     Annually                           $0                   $0             Total income:                    $0
   Income from savings and investments                  Annually                           $0                   $0
                                                                                                                                 Outgoings
   Centrelink benefits                                  Fortnightly                        $0                   $0               Financial comm.                $0
   Family benefit payments                              Fortnightly                        $0                   $0               Home                           $0
                                                                                                                                 Utilities                      $0
   Child support received                               Monthly                            $0                   $0               Education                      $0
   Other                                                Monthly                            $0                   $0               Health                         $0
                                                                                         Total                  $0               Shopping                       $0
                                                                                                                                 Transport                      $0
                                                                                                                                 Entertainment                  $0
                                                                                                                                 Eating out                     $0

                                                                                                                               Total outgoings:                 $0



                                                                                                                               What's left:                     $0
                                                                                                                                                        per quarter




   Source: www.moneysmart.gov.au




                                                                                Page 2
Budget planner
                    Financial
 Income                            Home / utilities   Education / health   Shopping / transport     Entertainment /   Results
                  commitments                                                                                                     Summary

   Financial Commitments                                                                                                          Show results      Quarterly

                                                        Frequency                    Amount       Quarterly Amount
   Rent / Mortgage                                      Weekly                                                  $0                Income
   Car loan repayments                                  Monthly                             $0                  $0                Income                           $0

   Other loan repayments                                Monthly                             $0                   $0             Total income:                      $0
   Credit card interest                                 Monthly                             $0                   $0
                                                                                                                                  Outgoings
   Voluntary super contributions                        Fortnightly                         $0                   $0               Financial comm.                  $0
   Savings                                              Fortnightly                         $0                   $0               Home                             $0
                                                                                                                                  Utilities                        $0
   Child support payments                               Monthly                             $0                   $0               Education                        $0
   Donations / Charity                                  Monthly                             $0                   $0               Health                           $0
                                                                                                                                  Shopping                         $0
   Pocket money                                         Weekly                              $0                   $0               Transport                        $0
   Type in your own expense                             Monthly                             $0                   $0               Entertainment                    $0
                                                                                          Total                  $0               Eating out                       $0

                                                                                                                                Total outgoings:                   $0



                                                                                                                                What's left:                       $0
                                                                                                                                                           per quarter




   Source: www.moneysmart.gov.au




                                                                                 Page 3
Budget planner
                    Financial
 Income                            Home / utilities     Education /   Shopping / transport     Entertainment /    Results
                  commitments                                                                                                 Summary

   Home                                                                                                                       Show results      Quarterly

                                                      Frequency                 Amount       Quarterly Amount
   Council rates                                      Quarterly                     $0                     $0                 Income
   Body Corporate fees                                Quarterly                     $0                     $0                 Income                           $0
   Home and contents insurance                        Monthly                       $0                     $0
   Home maintenance and repairs                       Annually                      $0                     $0               Total income:                      $0
   New furniture / Appliances                         Annually                      $0                     $0
   Other                                              Monthly                       $0                     $0                 Outgoings
                                                                                  Total                    $0                 Financial comm.                  $0
   Utilities                                                                                                                  Home                             $0
                                                                                                                              Utilities                        $0
   Electricity                                        Quarterly                      $0                      $0               Education                        $0
   Gas                                                Quarterly                      $0                      $0               Health                           $0
   Water                                              Quarterly                      $0                      $0               Shopping                         $0
   Internet                                           Monthly                        $0                      $0               Transport                        $0
   Pay TV                                             Monthly                        $0                      $0               Entertainment                    $0
   Home phone                                         Monthly                        $0                      $0               Eating out                       $0
   Mobile phone(s)                                    Monthly                        $0                      $0
   Type in your own expense                           Monthly                        $0                      $0             Total outgoings:                   $0
                                                                                   Total                     $0

                                                                                                                            What's left:                       $0
                                                                                                                                                       per quarter




   Source: www.moneysmart.gov.au




                                                                               Page 4
Budget planner
                    Financial
 Income                            Home / utilities     Education /   Shopping / transport     Entertainment /   Results
                  commitments                                                                                                Summary

   Education                                                                                                                 Show results     Quarterly

                                                      Frequency                 Amount       Quarterly Amount
   School fees                                        Annually                      $0                     $0                Income
   Uni / TAFE                                         Annually                      $0                     $0                Income                        $0
   Childcare / Pre-school                             Weekly                        $0                     $0
   School uniforms                                    Annually                      $0                     $0              Total income:                   $0
   Sport, music, dance, etc                           Annually                      $0                     $0
   Excursions                                         Monthly                       $0                     $0                Outgoings
   Other                                              Monthly                       $0                     $0                Financial comm.               $0
                                                                                  Total                    $0                Home                          $0
   Health                                                                                                                    Utilities                     $0
                                                                                                                             Education                     $0
   Private health insurance                           Monthly                        $0                     $0               Health                        $0
   Life insurance                                     Monthly                        $0                     $0               Shopping                      $0
   Doctors                                            Annually                       $0                     $0               Transport                     $0
   Dentists                                           Annually                       $0                     $0               Entertainment                 $0
   Medicines / Pharmacy                               Annually                       $0                     $0               Eating out                    $0
   Eyecare / Glasses                                  Annually                       $0                     $0
   Vet                                                Annually                       $0                     $0             Total outgoings:                $0
   Type in your own expense                           Monthly                        $0                     $0
                                                                                   Total                    $0
                                                                                                                           What's left:                    $0
                                                                                                                                                   per quarter




   Source: www.moneysmart.gov.au




                                                                             Page 5
Budget planner
                    Financial
 Income                            Home / utilities     Education /   Shopping / transport     Entertainment /   Results
                  commitments                                                                                                Summary

   Shopping                                                                                                                  Show results      Quarterly

                                                      Frequency                 Amount       Quarterly Amount
   Supermarket                                        Weekly                        $0                     $0                Income
   Fruit / Veg                                        Weekly                        $0                     $0                Income                           $0
   Baby products                                      Weekly                        $0                     $0
   Clothing / Shoes                                   Monthly                       $0                     $0              Total income:                      $0
   Cosmetics / Toiletries                             Monthly                       $0                     $0
   Hairdresser                                        Quarterly                     $0                     $0                Outgoings
   Gifts and others                                   Monthly                       $0                     $0                Financial comm.                  $0
   Other food and grocery                             Weekly                        $0                     $0                Home                             $0
                                                                                  Total                    $0                Utilities                        $0
   Transport                                                                                                                 Education                        $0
                                                                                                                             Health                           $0
   Car insurance                                      Annually                       $0                     $0               Shopping                         $0
   Car maintenance                                    Annually                       $0                     $0               Transport                        $0
   Car rego / Licence                                 Annually                       $0                     $0               Entertainment                    $0
   Petrol                                             Fortnightly                    $0                     $0               Eating out                       $0
   Road tolls / Parking                               Monthly                        $0                     $0
   Trains / Buses / Ferries                           Weekly                         $0                     $0             Total outgoings:                   $0
   Type in your own expense                           Monthly                        $0                     $0
                                                                                   Total                    $0
                                                                                                                           What's left:                       $0
                                                                                                                                                      per quarter




   Source: www.moneysmart.gov.au




                                                                              Page 6
Budget planner
                    Financial
 Income                            Home / utilities     Education /   Shopping / transport     Entertainment /   Results
                  commitments                                                                                                Summary

   Entertainment                                                                                                             Show results      Quarterly

                                                      Frequency                 Amount       Quarterly Amount
   Holidays                                           Annually                      $0                     $0                Income
   Bars / Clubs                                       Weekly                        $0                     $0                Income                           $0
   Other alcohol                                      Weekly                        $0                     $0
   Gym / Sporting membership                          Monthly                       $0                     $0              Total income:                      $0
   Cigarettes                                         Weekly                        $0                     $0
   Movies / Music                                     Fortnightly                   $0                     $0                Outgoings
   Hobbies                                            Fortnightly                   $0                     $0                Financial comm.                  $0
   Newspaper / Magazines                              Weekly                        $0                     $0                Home                             $0
   Celebrations                                       Annually                      $0                     $0                Utilities                        $0
   Other                                              Monthly                       $0                     $0                Education                        $0
                                                                                  Total                    $0                Health                           $0
   Eating out                                                                                                                Shopping                         $0
                                                                                                                             Transport                        $0
   Restaurants                                        Monthly                        $0                     $0               Entertainment                    $0
   Takeaway / Snacks                                  Weekly                         $0                     $0               Eating out                       $0
   Bought lunches                                     Weekly                         $0                     $0
   Coffee / Tea                                       Weekly                         $0                     $0             Total outgoings:                   $0
   Type in your own expense                           Monthly                        $0                     $0
                                                                                   Total                    $0
                                                                                                                           What's left:                       $0
                                                                                                                                                      per quarter




   Source: www.moneysmart.gov.au




                                                                              Page 7
                                                                                                                                                                     A
Budget planner
                    Financial
 Income                              Home / utilities       Education /         Shopping / transport                Entertainment /   Results
                  commitments                                                                                                                     Summary

                                                                                                                                                  Show results      Quarterly
                                                              Summary
   Your budget position:                                                                                                                          Income
   You are spending what you earn.                                                                Entertainment /
                                                                                                   FinancialShopping /                            Income                          $0
                                                                                                    Home / Utilities
                                                                                                     Eating out
                                                                                                   Education
                                                                                                 commitments/ Health
                                                                                                            Transport
   Your life would be less stressful if you saved a little for a rainy day.
                                                                                                                                                Total income:                     $0

                                                                                                                                                  Outgoings
   Your spending breakdown
                                                                                                                                                  Financial comm.                 $0
       Financial commitments                                                  Spending breakdown                                                  Home                            $0
       Home / Utilities                                                       Financial commitments                            0                  Utilities                       $0
       Education / Health                                                     Home / Utilities                                 0                  Education                       $0
       Shopping / Transport                                                   Education / Health                               0                  Health                          $0
       Entertainment / Eating out                                             Shopping / Transport                             0                  Shopping                        $0
                                                                              Entertainment / Eating out                       0                  Transport                       $0
                                                                                                                                                  Entertainment                   $0
                                                                                                                                                  Eating out                      $0
   Next steps:
   1) Work back through the budget planner to see where you could cut down on spending.                                                         Total outgoings:                  $0
   2) If you feel like your debts are out of control, check out the 'Managing my money' section.
   3) Print your plan.
                                                                                                                                                What's left:                      $0
                                                                                                                                                                          per quarter




   Source: www.moneysmart.gov.au




                                                                                            Page 8
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Budget planner


                                                          Summary

                                  Summary                                                 Quarterly Amount
                                  Total income:                                                        $0
                                  Total outgoings:                                                     $0
                                  What's left:                                                         $0



Your budget position:
You are spending what you earn.
Your life would be less stressful if you saved a little for a rainy day.




                                           Your spending breakdown

                                                                                                                    Shopping
                                                                                                                     Entertainment /
                                                                                                                      Financial
                                                                                                                    Spending /
Your spending breakdown                   Quarterly Amount                                                        Education / out
                                                                                                                        / Utilities
                                                                                                                  HomeEating Health
                                                                                                                   commitments
                                                                                                                     Transport
                                                                                                                   breakdown



    Financial commitments                               $0   Spending breakdown




    Home / Utilities                                    $0   Financial commitments                           $0




    Education / Health                                  $0   Home / Utilities                                $0




    Shopping / Transport                                $0   Education / Health                              $0




    Entertainment / Eating out                          $0   Shopping / Transport                            $0




                                                             Entertainment / Eating out                      $0




Next steps:

1) Work back through the budget planner to see where could you cut down on spending.
2) If you feel like your debts are out of control, check out the 'Managing my money' section.
3) Print your plan.
Budget planner

                                      Your detailed budget

Income                                Frequency     Amount   Quarterly Amount   Notes
Your take-home pay                      Monthly
Your partner's take-home pay          Fortnightly
Bonuses/overtime                        Annually
Income from savings and investments     Annually
Centrelink benefits                   Fortnightly
Family benefit payments               Fortnightly
Child support received                  Monthly
Other                                   Monthly


Financial Commitments                 Frequency     Amount   Quarterly Amount
Rent / Mortgage                          Weekly
Car loan repayments                     Monthly
Other loan repayments                   Monthly
Credit card interest                    Monthly
Voluntary super contributions         Fortnightly
Savings                               Fortnightly
Child support payments                  Monthly
Donations / Charity                     Monthly
Pocket money                             Weekly
Type in your own expense                Monthly


Home / Utilities                      Frequency     Amount   Quarterly Amount
Council rates                          Quarterly
Body Corporate fees                    Quarterly
Home and contents insurance             Monthly
Home maintenance and repairs            Annually
New furniture / Appliances              Annually
Other                                   Monthly
Electricity                            Quarterly
Gas                                    Quarterly
Water                                  Quarterly
Internet                                Monthly
Pay TV                                  Monthly
Home phone                              Monthly
Mobile phone(s)                         Monthly
Type in your own expense                Monthly


Education / Health                    Frequency     Amount   Quarterly Amount
School fees                             Annually
Uni / TAFE                              Annually
Childcare / Pre-school                   Weekly
School uniforms                         Annually
Sport, music, dance, etc                Annually
Excursions                              Monthly
Other                                   Monthly
Private health insurance                Monthly
Life insurance                          Monthly
Doctors                                 Annually
Dentists                                Annually
Medicines / Pharmacy                    Annually
Eyecare / Glasses                       Annually
Vet                                     Annually
Type in your own expense                Monthly
Budget planner

Shopping / Transport            Frequency     Amount   Quarterly Amount   Notes
Supermarket                        Weekly
Fruit / Veg                        Weekly
Baby products                      Weekly
Clothing / Shoes                  Monthly
Cosmetics / Toiletries            Monthly
Hairdresser                      Quarterly
Gifts and others                  Monthly
Other food and grocery             Weekly
Car insurance                     Annually
Car maintenance                   Annually
Car rego / Licence                Annually
Petrol                          Fortnightly
Road tolls / Parking              Monthly
Trains / Buses / Ferries           Weekly
Type in your own expense          Monthly


Entertainment / Eating out      Frequency     Amount   Quarterly Amount
Holidays                          Annually
Bars / Clubs                       Weekly
Other alcohol                      Weekly
Gym / Sporting membership         Monthly
Cigarettes                         Weekly
Movies / Music                  Fortnightly
Hobbies                         Fortnightly
Newspaper / Magazines              Weekly
Celebrations                      Annually
Other                             Monthly
Restaurants                       Monthly
Takeaway / Snacks                  Weekly
Bought lunches                     Weekly
Coffee / Tea                       Weekly
Type in your own expense          Monthly



Notes




Source: www.moneysmart.gov.au
Budget planner

								
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