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Dear Visitor, I'd like to take this opportunity to say "Thanks very much!" for visiting It's Your Money! and for downloading this financial spreadsheet. (Feel free to try out all my others, too!) I truly hope that the spreadsheets and tools I've made available there can help you as much as they've helped me. I’m going to go out on a limb here. I'll guess that since you've downloaded and opened this spreadsheet, that little voice inside your head is urging you to take action (somehow!) to improve your financial situation. I know all about that voice. I spent way too many years ignoring it! That said, I am being entirely honest when I say that the single most effective thing I ever did for my family's finances was to start planning our spending on a monthly basis. You can call it "budgeting" if you want, but "budgeting" doesn't sound the least bit fun. Play your cards right, and let your computer and its software help you, and you can actually make your "budgeting" fun. That's where "You Need A Budget PRO" software comes in. I've seen a lot of budgeting programs over the years, and this one beats 'em all . . . handily. (Personally, I couldn't build anything nearly so cool.) I mention this only because I know the power of a good spending plan ("budget"), and YNAB Pro is about as good as it gets. If you'd like to know more, just click the YNAB icon below to read my review. Once more, thanks very much for stopping by! Michael @It's Your Money!CHECK # TRANSACTION DATE or TYPE PAYEE MEMO AMOUNT 11/1/2007 Opening Balance 11/3/2007 2350 ABC Visa ($132.00) 11/5/2007 2351 Wal-Mart ($153.27) 11/6/2007 ATM ATM Withdrawal ($25.00) 11/10/2007 Steve's Paycheck $418.00 11/12/2007 2352 Conoco ($33.80) 11/13/2007 TXFR Xfer from Savings $100.00 11/15/2007 2353 Chase Auto Finance ($257.40) 11/17/2007 TXFR Envelope Xfer $0.00 ENVELOPE BALANCES "Envelopes" Check Register Go to Spreadsheet WEB PAGE$148.70 $270.47 $13.16 $130.00 $468.20 $402.00 ACCOUNT BALANCE 1,765.70 $ $175.00 $357.60 $50.00 $80.00 $433.20 $302.00 1,633.70 $ ($132.00) 1,480.43 $ ($74.30) ($12.13) ($66.84) 1,455.43 $ 1,873.43 $ $25.00 $10.00 $50.00 $35.00 $100.00 1,839.63 $ 1,939.63 $ $100.00 1,682.23 $ 1,682.23 $ $80.00 ($100.00) $20.00 Groceries Household Personal Clothing Debt Payments Giving ENVELOPE BALANCES$158.70 $61.00 $30.00 Auto Expenses Dining Out House $78.70 $264.20 $25.00 ($25.00) $80.00 $88.00 $30.00 ($33.80) ($257.40) CHECK # TRANSACTION DATE or TYPE PAYEE MEMO AMOUNT 11/1/2007 Opening Balance ENVELOPE BALANCES "Envelopes" Check Register Go to Spreadsheet WEB PAGEACCOUNT BALANCE -$ ENVELOPE BALANCES