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					Nick Bruining's Budget Spreadsheet. - Simply fill in the amounts as and when they are paid
Copyright 2007 NCBA www.ncba.com.au                        Totals Weekly >          $0.00        Monthly >
            Description          Per Day   Per Week   Per Fortnight   Per Month   Per Bi-Month   Per Quarter


Housing Expenses
Air Conditioner Service
Body Corporate Levy
Cleaner/Ironing/ etc
Council Rates
Energy Electricity
Energy Gas
Energy Wood (Fire)
Furniture Purchases
Garden (plants, chems)
Gardener / Lawns
Insurance Contents
Insurance Home
Internet Service Cost
Maintenance
Mortgage Payments
Pay T.V.
Pest Control
Pool Care
Pool Chemicals
Phone – Land Line
Phone – Mobile
Rent
Water Consumption
Water Rates
Water Filters
Other
Food Etc. Expenses
Food - Supermarket (Groceries)

Butcher
Alcohol Bottleshop
Canteen (Jiffy Vans)
Deli (Petrol convenience)
Milk Delivery
Restaurants
Take Aways
Cool Drink Delivered
Other
Living Expenses
Accounting Fees
Bus Fares
Boat Expenses
Car Fuel
Car Insurance
Car Payments
Car RAC Membership
Car Registration
Car Service
Trailer Registration
Club Fees
Donations Church
Donations Other
Education Fees (inc HECS)
Education other (Music etc)
Loan Pmt –Personal
Newsagent (inc Lotto)
Other 1
Other 2
Paper Delivery
Pets - Food
Pets - Vet, Grooming Etc
Presents Anniversary
Presents Birthday
Presents Christmas
Presents Easter
Presents Other
Taxis
Video Rentals (DVD, Game Etc)
Personal Expenses
Accounting Fees
Cigarettes
Clothing Clothes
Clothing Shoes
Cosmetics
Gambling (Casino/ Bingo)
Hair Care
Hobbies
Holidays
Insurance Inc Protect
Insurance Life 1
Insurance Life 2
Medical Chemist
Medical Dentist
Medical Doctor
Medical Health Insurance.
Personal –/Entertainment Movies
/ Shows etc.
Pocket Money (inc kids)
Postage
Set Savings
Sport fees (inc Gym)

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Notes: To use the calculator, enter the relevent expense into the location it generally occurs. For example, if your average supe
$120 per week, you would enter this into the Groceries, per week location. The calculator is not perfect because it does not inc
outlay associated with credit (such as the interest componenet of your credit card bill) However, formal loans such as car loans a
are. That is why there is no section for credit card payments becuase to do so, we would end up "double counting". In any financia
cash-flow equation is crucial. In very simple terms, money out has got to bess than money in or we end up deeper and deeper in
normal ? It varies greatly BUT, a very large proportion of retiree couples, debt free and kid free, seem to spend in a range betw
$35,000 on the basic cost of living with singles 3/4 of that. Younger families have added costs. Good Luck ! Nick B
s as and when they are paid
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erally occurs. For example, if your average supermarket bill is
 calculator is not perfect because it does not include the cash
d bill) However, formal loans such as car loans and mortgages
e would end up "double counting". In any financial planning, the
 an money in or we end up deeper and deeper in debt. What's
 ee and kid free, seem to spend in a range between $20,000 -
added costs. Good Luck ! Nick B

				
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