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ABSA Budget Calculator.xls

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ABSA Budget Calculator.xls Powered By Docstoc
					Snapshot Budget

WHAT WILL THIS CALCULATE Create a quick and easy budget to help you see the relationship between your current income and expenses. Don't worry if you use estimates for your first budget calculation, it may take a few months to find out exactly where you stand. The first time should give you a good idea what you're spending and where you're spending it.

Snapshot Results

WHAT WILL THIS DO The Snapshot Results displays the results of you snapshot budget and includes summary views , graphs and budgeting tips as well as Absa product information that may assist you in meeting your individual goals

Monthly Budget

WHAT WILL THIS DO The month by month budget will contain your planned expenditure over a fixed period , taking into account certain variable costs over that time This information can be used to measure planned vs. actual expenditures and could potentially identify items that were not previously budgeted for.

Actual Spend

WHAT WILL THIS DO The actual spend is the real expenditure for the budgeted period.

Actuals vs Budget

WHAT WILL THIS CALCULATE This view shows the accuracy and variance of budgeted items vs. the actual expenditure for those items over a certain period

Snapshot Budget
Income
Total Income (net) Salary/Wages Salary/Wages (Spouse) Other Other Other Frequency Frequency Monthly Monthly Monthly Monthly Monthly Amount Amount Monthly Annually Yearly Monthly R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 Monthly Monthly Monthly Quarterly Yearly Monthly R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00
WHAT WILL THIS CALCULATE Create a quick and easy budget to help you see the relationship between your current income and expenses, don't worry if you use estimates for your first budget calculation, it may take a few months to find out exactly where you stand. The first time should give you a good idea what you're spending and where you're spending it. Depending on the result your month on month calculator will show you : Whether you have spare money to save/invest or where you may possibly need to apply for credit options should you not be able to cover all of your monthly fixed and

Expenditure Total Spending: Transportation Vehicle Finance Insurance Petrol Maintenance License Fees Other
Home Home loan/Rent Maintenance Renovations Insurance Furniture Household Supplies Groceries Other Other Other Utilities Phone - Home Phone - Cell M net/DSTV/TVlicense Rates Levy Water Electricity Internet Other Health Medical Fees Medical Aid Contribution Medication Life Insurance Other Other Other Entertainment Memberships Dining Out Events Subscription Movies Music Hobbies Travel/Vacation Other Other Miscellaneous Domestic Employee Clothing Donations Child Care School / Varsity Fees Student Loan repayments Pocket Money Gifts Credit Card Saving & Investments Retirement Savings Other

Monthly Monthly Monthly Monthly Yearly Monthly Monthly Semi-Annually Monthly Monthly

R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00

Monthly Monthly Monthly Monthly Monthly Monthly Monthly Monthly Monthly

R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00

Monthly Monthly Monthly Semi-Annually Monthly Monthly Monthly

R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00

Yearly Monthly Monthly Monthly Monthly Monthly Weekly Yearly Monthly Monthly

R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00

Monthly Monthly Monthly Monthly Monthly Monthly Weekly Monthly Monthly Monthly Yearly Monthly

R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00

Calculate Results>

Chart:
Actual Spend Monthly Budget Actuals vs Budget Snapshot Budget

Weekly

Budget Summary

Snapshot Results
R 0.00

Results
Monthly Total Income (net) Total Expense Position R 0.00 R 0.00 R 0.00 Annually R 0.00 R 0.00 R 0.00
R 0.00 R 0.00

Spending Summary
Monthly Transportation Home Utilities Health Entertainment Miscellaneous R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 Annually % of Expenses R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

R0

R0

R0
Balance Income

R1
Expense

R1

R1

Spending Summary
RR 0.00 R 0.00 0.00 R 0.00

Your input reflects that you have a shortfall as currently your expenditure exceeds your income. To make your money work better for you, why not consider the following:

Absa's Savings and Investment Products are designed to enable your funds to work harder. Read more about these products or apply now. Absa's range of Loan products provide the best and most affordable financing solution to meet your needs. Read more about these products or apply now.

Click to Apply Read More

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HERE is a 10-point list of budgeting tips: 1. Plan ahead. 2. Calculate how much money you spend by compiling a list of all the items you buy. The best way to do this is by keeping the slips whenever you buy something, irrespective of the cost 3. Shop according to a list. It’s a disciplined approach that stops you from buying on impulse. 4. Where possible, buy with cash and avoid credit purchases. 5. If you are thinking of buying something that costs a sizeable amount, wait a little, think about it and be absolutely sure about your buying decision when you make it. 6. Compare prices and find the best deal. 7. Look out for sales and specials. 8. Buy items like clothing at the end of a season. End-of-season sales normally give you between 20% to 50% discounts, and more. 9. Don’t rush to replace items you can find easily. The right purchase will come along at the right price. 10. Keep a little cash aside for unexpected costs. — Source: ICAS

Transportation Health

Home Entertainment

Utilities Miscellaneous

Next>

DISCLAIMER While every effort has been made to ensure accuracy, no responsibility can be accepted for errors or omissions however caused. No responsibility for any loss occasioned to any person acting or refraining from action as a result of material in this programme is accepted by Absa Bank Limited or any members of the Barclays Group.

Actual Spend

Monthly Budget

Actuals vs Budget

Snapshot Budget

Snapshot Results

Menu

Chart:
1

January

Income
Total Income (net) Salary/Wages Salary/Wages (Spouse) Other Other Other

Jan

Feb R 0.00

Mar R 0.00

Apr R 0.00

May R 0.00

Jun R 0.00

Jul R 0.00

Aug R 0.00

Sep R 0.00

Oct R 0.00

Nov R 0.00

Dec R 0.00

0 Months
Jan to Date

Budget Summary
0 0

R 0.00

R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00

0

R 0.00

0

0

0

R 0.00

Expenditure
Transportation Vehicle Finance Insurance Petrol Maintenance License Fees Other Home Home loan/Rent Maintenance Renovations Insurance Furniture Household Supplies Groceries Other Other Other Utilities Phone - Home Phone - Cell M net/DSTV/TVlicense Rates Levy Water Electricity Internet Other Health Medical Fees Medical Aid Contributions Medication Life Insurance Other Other Other Entertainment Memberships Dining Out Events Subscription Movies Music Hobbies Travel/Vacation Other Other Miscellaneous Domestic Employee Clothing Donations Child Care School / Varsity Fees Student Loan repayments Pocket Money Gifts Credit Card Saving & Investments Retirement Savings Other

R 0.00 R 0.00

R 0.00 R 0.00

R 0.00 R 0.00

R 0.00 R 0.00

R 0.00 R 0.00

R 0.00 R 0.00

R 0.00 R 0.00

R 0.00 R 0.00

R 0.00 R 0.00

R 0.00 R 0.00

R 0.00 R 0.00

R 0.00 R 0.00

0

R 0.00

R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00
#REF!

0

0

0

R0

R0

R0

R1

R1

R1

0

Balance

Income

Expense

0

0

0

Spending Summary
R 0.00 R 0.00 R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00

#REF!

0

0

0

0

0

0

0

0

0

0

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

0

0

0

Transportation

Home

Utilities

0

Health
0 0

Entertainment

Miscellaneous

0

Budget by Month

0

0

0

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

0

0

0

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0

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0

0

R1 R1 R1 R1 R1 R1 R0 R0 R0 R0 R0 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

0

0

Expense

Income

0

0

0

0

0

0

0

0

0

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

R 0.00

0

0

0

0

0

0

0

0

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0

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0

DISCLAIMER While every effort has been made to ensure accuracy, no responsibility can be accepted for errors or omissions however caused. No responsibility for any loss occasioned to any person acting or refraining from action as a result of material in this programme is accepted by Absa Bank Limited or any members of the Barclays Group.

Chart:

February

Income
Total Income (net) Salary/Wages Salary/Wages (Spouse) Other Other Other

Jan R 0.00

Feb R 0.00

Mar R 0.00

Apr R 0.00

May R 0.00

Jun R 0.00

Jul R 0.00

Aug R 0.00

Sep R 0.00

Oct R 0.00

Nov R 0.00

Dec R 0.00

Jan to Date R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00

Actual Income/Spend Summary

R0

R0

Expenditure
Total Spending: Transportation Vehicle Finance Insurance Petrol Maintenance License Fees Other Home Home loan/Rent Maintenance Renovations Insurance Furniture Household Supplies Groceries Other Other Other Utilities Phone - Home Phone - Cell M net/DSTV/TVlicense Rates Levy Water Electricity Internet Other Health Medical Fees Medical Aid Contribution Medication Life Insurance Other Other Other Entertainment Memberships Dining Out Events Subscription Movies Music Hobbies Travel/Vacation Other Other Miscellaneous Domestic Employee Clothing Donations Child Care School / Varsity Fees Student Loan repayments Pocket Money Gifts Credit Card Saving & Investments Retirement Savings Other R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00

R0

R0

R0

R0

R0

R0

R1

R1

R1

R1

R1

R1

Balance

Income

Expense

Actuals by Month

R1 R1 R1 R1 R1 R1 R0 R0 R0 R0 R0 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

Expense

Income

-

-

-

-

0

0

0

0

0

0

0

0

Compare December

to Budget

December
Dec Actual R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 Vs Budget R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00

Income
Total Income (net) Salary/Wages Salary/Wages (Spouse) Other Other Other

Budget R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00

Tracking vs Budget Summary
R 0.00 Budget R 0.00 R 0.00

R 0.00

Spending
Total Spending: Transportation Vehicle Finance Insurance Petrol Maintenance License Fees Other Home Home loan/Rent Maintenance Renovations Insurance Furniture Household Supplies Groceries Other Other Other Utilities Phone - Home Phone - Cell M net/DSTV/TVlicense Rates Levy Water Electricity Internet Other Health Medical Fees Medical Aid Contribution Medication Life Insurance Other Other Other Entertainment Memberships Dining Out Events Subscription Movies Music Hobbies Travel/Vacation Other Other Miscellaneous Domestic Employee Clothing Donations Child Care School / Varsity Fees Student Loan repayments Pocket Money Gifts Credit Card Saving & Investments Retirement Savings Other R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00 R 0.00

Actuals R 0.00 R 0.00

R 0.00

R 0.20

R 0.40

R 0.60

R 0.80

R 1.00

Balance (Savings)

Income

Expense

Spending Comparison

R0

R0

R0

R0

R0

R0

R0

R0

R0

R0

R0

R0

Budget

Actuals

Transportation Health

Home Entertainment

Utilities Miscellaneous

DISCLAIMER While every effort has been made to ensure accuracy, no responsibility can be accepted for errors or omissions however caused. No responsibility for any loss occasioned to any person acting or refraining from action as a result of material in this programme is accepted by Absa Bank Limited or any members of the Barclays Group.


				
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