Blank Monthly Bill Chart - Excel

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					                                        PearBudget
                                [easy budgeting for everyone]
          Welcome to PearBudget. This is a free, easy-to-use budgeting program,
          enabling you to track where your money is going.       It was written by
          Charlie Park (charlie@pearbudget.com).
                                   How To Use PearBudget
 intro
               PearBudget is meant to be a really straightforward and easy-to-use
            budget program. I know that—if you're like me—unless a budget's super               A Web 2.0 version of PearBud
                easy, you won't use it. The guided set-up process takes about 20
            minutes, and it'll take you about 10 minutes each week to maintain
                                                                                                     Simpler. More powerful. T
          your budget. Do it. It's important.         With PearBudget, your expenses
                                                                                              Visit www.pearbudget.com to
          fit into one of three categories, as seen below. Don't be overwhelmed! Just
                          follow the instructions below and you'll be set!

          Keep in mind, you don't need to know Excel to use PearBudget. Just look          Friendly tip #1: Keep the names of y
          for the cells with the white background and fill in the info the program tells             columns immediately below
          you to. Please don't touch any cells that don't have a white                           It really helps with the formattin
          background.

            Regular Expenses are those that you have to pay every month. For
            example, your mortgage is $1,000 every month. Your car insurance is                Friendly tip #2: Make sure the ca
            $100 each month. These are going to be about the same amount,                    are at the top of each column (to the
            month-in, month-out. These are not dynamic, meaning once you set               below). It's fine to leave cells on the lis
            the amount for the year, you shouldn't change it. Examples are to              make sure the blank ones are at the bo
            the right.                                                                                              list.

            Irregular Expenses are things that come up a couple of times a year
            that you know you need to budget for. For example, you know you'll
            spend about $1,800 on car maintenance over the year, but you won't
            pay it on a regular schedule. So you budget $150 every month into
            "Car Maintenance," and then, on some sad day, you'll have to give the
            mechanic all that money. But, if you've budgeted right, at least you'll
            have money to give him. Another example: Christmas. If you're
            planning on spending $1,200, budget $100 a month, and you'll be
            covered.

            Variable Expenses are those that you pay every month, but that                  Variable Expenses
            you might budget differently from month to month. So you might                      housecare
            normally budget $100 for "dining out." But if the budget's tight one                 groceries
            month, you might cut that to $75. These are expenses that you can plan               dining out
            on (somewhat), but that you want to be able to change when needed.                    car gas
            In other words, these expenses change from month-to-month. See the                    haircuts
            examples to the right.                                                                 misc.

step 1    To the right (and a little up), you can see the three different categories
10 mins   (in floating boxes), with suggested budgeting areas. Change the areas to
          reflect your budgetary needs. For example, you might need to add or
          remove categories. Literally, where it says "rent" under "Regular                  (no more than 10)
          Expenses," click on that cell and type in the category you want to be on
          the list. If you want to take some time to think about what your categories
          should be (use scratch paper), that's fine. But the rest of the program will
          key off these boxes, so the idea is that once you begin your year's budget,
          you won't change them. You don't need to fill all 10 lines per category: It's
          okay to leave some blank.


step 2    Now that you've made your list of expenses and budgeting areas, it's time
10 mins   to think about how much money to budget for each area. Below are the
          expense areas you just selected (see how the green columns on the left
          match the columns you just filled in?). In the white cells to the right of
          each pear-colored spending area, fill in the amount you want to
          budget for each month.                        If your cells on the left are
          blank, think through the year: Are there any expenditures you might be
          forgetting? Remember, only modify cells if they're white. You shouldn't
          touch the pear-colored cells. If you need to change the expense areas, go
          back to step 1 and modify the items on those lists on the upper right.
          Now that you've made your list of expenses and budgeting areas, it's time
          to think about how much money to budget for each area. Below are the
          expense areas you just selected (see how the green columns on the left
          match the columns you just filled in?). In the white cells to the right of
          each pear-colored spending area, fill in the amount you want to
          budget for each month.                        If your cells on the left are
          blank, think through the year: Are there any expenditures you might be
          forgetting? Remember, only modify cells if they're white. You shouldn't
          touch the pear-colored cells. If you need to change the expense areas, go
          back to step 1 and modify the items on those lists on the upper right.


                     Regular Expenses            =       $ Spent Per Month
                            rent                 =            $900.00
                         phone bill              =             $64.50
                         insurance               =            $130.00
                            tithe                =            $255.00
                         donations               =             $20.00                               total
                          savings                =             $50.00                             $1,469.50
                           college               =             $50.00
                              0                  =
                              0                  =
                              0                  =

                    Irregular Expenses           =       $ Spent Per Month
                         car maint.              =            $250.00
                          medical                =             $50.00
                          medicine               =             $25.00
                            gifts                =             $50.00
                              0                  =                                                  total
                              0                  =                                                 $375.00
                              0                  =
                              0                  =
                              0                  =
                              0                  =

                     Variable Expenses           =       $ Spent Per Month
                         housecare               =             $30.00
                          groceries              =            $400.00
                          dining out             =             $85.00
                           car gas               =            $100.00
                           haircuts              =             $35.00                               total
                            misc.                =             $55.50                              $705.50
                               0                 =
                               0                 =                                          Friendly tip #4: In the budget, you'
                               0                 =                                           upper right of certain cells (like on th
                               0                 =                                                 you'll see popup comments th

step 3    That's all! Your budget is set up and ready to go! See the tabs at the
          bottom of the screen (Start Here, Jan, Feb, … Analysis)? Those will take
          you to the other charts for the year. Head over to January to get
          acquainted with the monthly charts and to get started!             Each
          month, you'll enter in the amounts spent in each category. You'll                 Friendly tip #5: One of the best way
          also enter in the amount of income you bring in each month. Look                   central "collection point" for your rec
          for the white cells—those are the ones you'll enter numbers into. Check out       Sunday evening), sit down and enter
          the "Analysis" page (look at the bottom of the screen to see its tab), and        slips) in to the appropriate categories
          you can see how you're doing in each category for the year.                      don't let your receipts stack up, this sh
                                                                                                                               per w
          When you head over to the January sheet (or whatever month you're
          starting with), look for the red 'comments' triangle in cell B3 (the cell
          underneath 'housecare')—it'll explain the next step.

donate?   This budget program is free. There's no obligation of any sort for you to
          use this or to pass it on to your friends. BUT … if you find it useful, and if
          you decide that you'd like to send in money, you can send it via PayPal, to
          charlie@pearbudget.com.
 help     There are three ways that you can help me develop PearBudget further.
          First, if you find it useful, please e-mail me and let me know! My e-mail
          address is charlie@pearbudget.com. Second, if you know of a way that
          the program can be improved, please let me know about it. Maybe there's
          a description somewhere that could be clearer. Maybe there's a small
          mathematical error somewhere. Maybe you have an idea for a feature that
          the next version of PearBudget could include. Whatever it is, please send it
          my way. Third, I'd really appreciate it if you passed the program on to
          your friends. It doesn't have to be a January-to-December budget! They
          can begin anywhere in the year with it! If you know someone who might
          possibly be interested in it, please pass it on to them! I'm eager to develop
          PearBudget further. Any one of these three actions will help me out!




Web 2.0      A Web 2.0 version of PearBudget is currently in the works.

                  Simpler. More powerful. Taking less. Giving more.

            Visit www.pearbudget.com to sign up for the public beta test.
eb 2.0 version of PearBudget is currently in the works.

Simpler. More powerful. Taking less. Giving more.

www.pearbudget.com to sign up for the public beta test.


tip #1: Keep the names of your "expense areas" (in the        three
columns immediately below this) shorter than 10 letters.
eally helps with the formatting of the spreadsheets later on.


                                               Regular Expenses
 ly tip #2: Make sure the categories                  rent
e top of each column (to the right and             phone bill
s fine to leave cells on the list blank, but       insurance
 the blank ones are at the bottom of the              tithe
              list.                                donations
                                                    savings
                   Irregular Expenses                college
                        car maint.
                         medical
                         medicine
                           gifts               (no more than 10)




                     (no more than 10)
                                                      total
                                                    $2,550.00

                                             Friendly tip #3: Is the
                                                   number above
                                                approximately your
                                                income per month?
                                                 If not, adjust the
                                                 numbers in the "$
                                                Spent Per Month"
                                             columns to the left until
                                               the number above is
                                              close to your monthly
                                                      income.
 tip #4: In the budget, you'll occasionally see red triangles in the
ght of certain cells (like on this one). Mouse over those cells, and
ou'll see popup comments that might make things clearer.




 tip #5: One of the best ways to manage your budget is to have a
 collection point" for your receipts. Each week, at a set time (say,
 vening), sit down and enter your receipts (and your check deposit
 o the appropriate categories on that month's budget sheet. If you
our receipts stack up, this shouldn't take more than 5 to 10 minutes
                          per week!
                                                        Amount Spent on Variable Expenses
                             (changing amounts, spent every month) [Feel free to change the budgeted amount (row 36).]
 Jan 2007     housecare    groceries    dining out      car gas      haircuts         misc.           0            0              0
     1                                                                                               This         This           This
     2                                                                                             column       column         column
     3                                                                                              stays        stays          stays
     4                                                                                              blank.       blank.         blank.
     5
     6
     7
     8
     9
    10
    11
    12
    13
    14
    15
    16
    17
    18
    19
    20
    21
    22
    23
    24
    25
    26
    27
    28
    29
    30
    31
total spent     $0.00        $0.00         $0.00         $0.00        $0.00         $0.00
 budgeted       $30.00      $400.00       $85.00        $100.00       $35.00        $55.50
difference      $30.00      $400.00       $85.00        $100.00       $35.00        $55.50
 Jan 2007     housecare    groceries    dining out      car gas      haircuts       misc.            0             0             0
  Amount Spent on Regular Expenses                                                                      Amount Spent on Irregular Expenses
  (same amount, spent every month)                                        (changing amounts, spent at random points in the year) [Just enter in this mon
         rent                                         car maint.     medical      medicine       gifts           0               0
      phone bill                                                                                                This            This
      insurance                                                                                               column          column
         tithe                                                                                                 stays           stays
      donations                                                                                                blank.          blank.
          savings
          college
             0
             0
             0
                                                           total:   $0.00       $0.00           $0.00           $0.00
                                                                                             Analysis for January 2007

            How To Use This Summary Analysis                                     Variable Expenses Budgeting vs. Actual Spending
This is a summary of the month's income and expenses. At the                     [ what we thought we'd spend / what we really spent ]
 end of the month, it'll explain how we did this month. It gives             We were way off our budget for the month. We had planned to
       you the same info you see above, just with its own                   spend $705.50 this month, and we ended up spending $0.00, so
interpretation. For a more in-depth look at your budget for the                            our planning was over by $705.50.
              year, check out the "Analysis" page.                              (Keep in mind, that's just the Variable Expenses. The
                                                                            "Analysis" page will show you how we're doing with Regular and
   Area           Budgeted        Amt. Spent       Difference                                     Irregular Expenses.)
 Variable          $705.50          $0.00           $705.50
  Regular         $1,469.50         $0.00          $1,469.50                                Total Income                       $0.00
 Irregular         $375.00          $0.00           $375.00                                Total Expenses                      $0.00
   Total          $2,550.00         $0.00          $2,550.00                                 Difference                        $0.00
                   0         total spent      income    what's left
                  This          $0.00                   -$1,844.50
                column          $0.00                   -$1,844.50
                 stays          $0.00                   -$1,844.50
                 blank.         $0.00                   -$1,844.50
                                $0.00                   -$1,844.50
                                $0.00                   -$1,844.50
                                $0.00                   -$1,844.50
                                $0.00                   -$1,844.50
                                $0.00                   -$1,844.50
                                $0.00                   -$1,844.50
                                $0.00                   -$1,844.50
                                $0.00                   -$1,844.50
                                $0.00                   -$1,844.50
                                $0.00                   -$1,844.50
                                $0.00                   -$1,844.50
                                $0.00                   -$1,844.50
                                $0.00                   -$1,844.50
                                $0.00                   -$1,844.50
                                $0.00                   -$1,844.50
                                $0.00                   -$1,844.50
                                $0.00                   -$1,844.50
                                $0.00                   -$1,844.50
                                $0.00                   -$1,844.50
                                $0.00                   -$1,844.50
                                $0.00                   -$1,844.50
                                $0.00                   -$1,844.50
                                $0.00                   -$1,844.50
                                $0.00                   -$1,844.50
                                $0.00                   -$1,844.50
                                $0.00                   -$1,844.50
                                $0.00                   -$1,844.50
                                $0.00          $0.00    -$1,844.50
                               $705.50
                               $705.50                                0
                   0         total spent      income    what's left
egular Expenses
ear) [Just enter in this month's expenses here.]
                     0              0             0          0
                    This           This          This       This
                  column         column       column      column
                   stays          stays        stays       stays
                   blank.         blank.       blank.      blank.
                Income vs. Expenses Overview
                [ did we end up saving anything? ]
This month, we spent $0.00. That was ...
    • $0.00 spent on Variable Expenses
       (like housecare / groceries / etc.)
    • $0.00 spent on Regular Expenses
       (like rent / phone bill / etc.)
    • $0.00 spent on Irregular Expenses
       (like car maint. / medical / etc.)
We brought in $0.00 for the month, so we ended up breaking
even.
You can see a chart outlining that info to the left.
                                                                Amount Spent on Variable Expenses
                                     (changing amounts, spent every month) [Feel free to change the budgeted amount (row
 Feb 2007        housecare         groceries    dining out      car gas      haircuts         misc.
     1
     2
     3
     4
     5
     6
     7
     8
     9
    10
    11
    12
    13
    14
    15
    16
    17
    18
    19
    20
    21
    22
    23
    24
    25
    26
    27
    28
    29
    30
    31
total spent        $0.00             $0.00            $0.00           $0.00          $0.00          $0.00
 budgeted          $30.00           $400.00          $85.00          $100.00         $35.00         $55.50
difference         $30.00           $400.00          $85.00          $100.00         $35.00         $55.50
 Feb 2007        housecare         groceries       dining out        car gas        haircuts        misc.
   Amount Spent on Regular Expenses                                                                                    Amount
   (same amount, spent every month)                                                      (changing amounts, spent at random po
          rent                                                      car maint.      medical      medicine
       phone bill
       insurance
          tithe
       donations
        savings
         college
            0
            0
            0
                                                           total:     $0.00          $0.00           $0.00
                                                                                                 Analysis for February 2007

            How To Use This Summary Analysis                                          Variable Expenses Budgeting vs. Actual Spen
This is a summary of the month's income and expenses. At the                          [ what we thought we'd spend / what we really sp
 end of the month, it'll explain how we did this month. It gives                  We were way off our budget for the month. We had p
       you the same info you see above, just with its own                        spend $705.50 this month, and we ended up spending
interpretation. For a more in-depth look at your budget for the                                 our planning was over by $705.50.
              year, check out the "Analysis" page.                                   (Keep in mind, that's just the Variable Expenses
                                                                                 "Analysis" page will show you how we're doing with Re
   Area           Budgeted        Amt. Spent       Difference                                          Irregular Expenses.)
  Variable         $705.50          $0.00           $705.50
  Regular         $1,469.50         $0.00          $1,469.50                                     Total Income
Irregular    $375.00    $0.00    $375.00    Total Expenses
  Total     $2,550.00   $0.00   $2,550.00     Difference
 xpenses
ange the budgeted amount (row 36).]
                   0            0                0             0         total spent      income       what's left
                  This         This             This          This          $0.00                      -$1,844.50
                column       column           column        column          $0.00                      -$1,844.50
                 stays        stays            stays         stays          $0.00                      -$1,844.50
                 blank.       blank.           blank.        blank.         $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00          $0.00       -$1,844.50
                                                                           $705.50
                                                                           $705.50                                   0
                   0               0            0              0         total spent      income       what's left
                       Amount Spent on Irregular Expenses
ng amounts, spent at random points in the year) [Just enter in this month's expenses here.]
                gifts           0               0               0              0             0               0
                               This            This            This           This          This            This
                             column          column          column         column       column           column
                              stays           stays           stays          stays        stays            stays
                              blank.          blank.          blank.         blank.       blank.           blank.




                 $0.00
 nalysis for February 2007

 enses Budgeting vs. Actual Spending                                    Income vs. Expenses Overview
 ught we'd spend / what we really spent ]                               [ did we end up saving anything? ]
our budget for the month. We had planned to             This month, we spent $0.00. That was ...
s month, and we ended up spending $0.00, so                 • $0.00 spent on Variable Expenses
 planning was over by $705.50.                                 (like housecare / groceries / etc.)
, that's just the Variable Expenses. The                    • $0.00 spent on Regular Expenses
l show you how we're doing with Regular and                    (like rent / phone bill / etc.)
   Irregular Expenses.)                                     • $0.00 spent on Irregular Expenses
                                                               (like car maint. / medical / etc.)
otal Income                      $0.00                  We brought in $0.00 for the month, so we ended up breaking
                                                        even.
                       We brought in $0.00 for the month, so we ended up breaking
tal Expenses   $0.00   even.
Difference     $0.00   You can see a chart outlining that info to the left.
                                                                Amount Spent on Variable Expenses
                                     (changing amounts, spent every month) [Feel free to change the budgeted amount (row
 Mar 2007        housecare         groceries    dining out      car gas      haircuts         misc.
     1
     2
     3
     4
     5
     6
     7
     8
     9
    10
    11
    12
    13
    14
    15
    16
    17
    18
    19
    20
    21
    22
    23
    24
    25
    26
    27
    28
    29
    30
    31
total spent        $0.00             $0.00            $0.00           $0.00          $0.00          $0.00
 budgeted          $30.00           $400.00          $85.00          $100.00         $35.00         $55.50
difference         $30.00           $400.00          $85.00          $100.00         $35.00         $55.50
 Mar 2007        housecare         groceries       dining out        car gas        haircuts        misc.
   Amount Spent on Regular Expenses                                                                                    Amount
   (same amount, spent every month)                                                      (changing amounts, spent at random po
          rent                                                      car maint.      medical      medicine
       phone bill
       insurance
          tithe
       donations
        savings
         college
            0
            0
            0
                                                           total:     $0.00          $0.00           $0.00
                                                                                                   Analysis for March 2007

            How To Use This Summary Analysis                                          Variable Expenses Budgeting vs. Actual Spen
This is a summary of the month's income and expenses. At the                          [ what we thought we'd spend / what we really sp
 end of the month, it'll explain how we did this month. It gives                  We were way off our budget for the month. We had p
       you the same info you see above, just with its own                        spend $705.50 this month, and we ended up spending
interpretation. For a more in-depth look at your budget for the                                 our planning was over by $705.50.
              year, check out the "Analysis" page.                                   (Keep in mind, that's just the Variable Expenses
                                                                                 "Analysis" page will show you how we're doing with Re
   Area           Budgeted        Amt. Spent       Difference                                          Irregular Expenses.)
  Variable         $705.50          $0.00           $705.50
  Regular         $1,469.50         $0.00          $1,469.50                                     Total Income
Irregular    $375.00    $0.00    $375.00    Total Expenses
  Total     $2,550.00   $0.00   $2,550.00     Difference
 xpenses
ange the budgeted amount (row 36).]
                   0            0                0             0         total spent      income       what's left
                  This         This             This          This          $0.00                      -$1,844.50
                column       column           column        column          $0.00                      -$1,844.50
                 stays        stays            stays         stays          $0.00                      -$1,844.50
                 blank.       blank.           blank.        blank.         $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00          $0.00       -$1,844.50
                                                                           $705.50
                                                                           $705.50                                   0
                   0               0            0              0         total spent      income       what's left
                       Amount Spent on Irregular Expenses
ng amounts, spent at random points in the year) [Just enter in this month's expenses here.]
                gifts           0               0               0              0             0               0
                               This            This            This           This          This            This
                             column          column          column         column       column           column
                              stays           stays           stays          stays        stays            stays
                              blank.          blank.          blank.         blank.       blank.           blank.




                 $0.00
 Analysis for March 2007

 enses Budgeting vs. Actual Spending                                    Income vs. Expenses Overview
 ught we'd spend / what we really spent ]                               [ did we end up saving anything? ]
our budget for the month. We had planned to             This month, we spent $0.00. That was ...
s month, and we ended up spending $0.00, so                 • $0.00 spent on Variable Expenses
 planning was over by $705.50.                                 (like housecare / groceries / etc.)
, that's just the Variable Expenses. The                    • $0.00 spent on Regular Expenses
l show you how we're doing with Regular and                    (like rent / phone bill / etc.)
   Irregular Expenses.)                                     • $0.00 spent on Irregular Expenses
                                                               (like car maint. / medical / etc.)
otal Income                      $0.00                  We brought in $0.00 for the month, so we ended up breaking
                                                        even.
                       We brought in $0.00 for the month, so we ended up breaking
tal Expenses   $0.00   even.
Difference     $0.00   You can see a chart outlining that info to the left.
                                                                Amount Spent on Variable Expenses
                                     (changing amounts, spent every month) [Feel free to change the budgeted amount (row
 Apr 2007        housecare         groceries    dining out      car gas      haircuts         misc.
     1
     2
     3
     4
     5
     6
     7
     8
     9
    10
    11
    12
    13
    14
    15
    16
    17
    18
    19
    20
    21
    22
    23
    24
    25
    26
    27
    28
    29
    30
    31
total spent        $0.00             $0.00            $0.00           $0.00          $0.00          $0.00
 budgeted          $30.00           $400.00          $85.00          $100.00         $35.00         $55.50
difference         $30.00           $400.00          $85.00          $100.00         $35.00         $55.50
 Apr 2007        housecare         groceries       dining out        car gas        haircuts        misc.
   Amount Spent on Regular Expenses                                                                                    Amount
   (same amount, spent every month)                                                      (changing amounts, spent at random po
          rent                                                      car maint.      medical      medicine
       phone bill
       insurance
          tithe
       donations
        savings
         college
            0
            0
            0
                                                           total:     $0.00          $0.00           $0.00
                                                                                                    Analysis for April 2007

            How To Use This Summary Analysis                                          Variable Expenses Budgeting vs. Actual Spen
This is a summary of the month's income and expenses. At the                          [ what we thought we'd spend / what we really sp
 end of the month, it'll explain how we did this month. It gives                  We were way off our budget for the month. We had p
       you the same info you see above, just with its own                        spend $705.50 this month, and we ended up spending
interpretation. For a more in-depth look at your budget for the                                 our planning was over by $705.50.
              year, check out the "Analysis" page.                                   (Keep in mind, that's just the Variable Expenses
                                                                                 "Analysis" page will show you how we're doing with Re
   Area           Budgeted        Amt. Spent       Difference                                          Irregular Expenses.)
  Variable         $705.50          $0.00           $705.50
  Regular         $1,469.50         $0.00          $1,469.50                                     Total Income
Irregular    $375.00    $0.00    $375.00    Total Expenses
  Total     $2,550.00   $0.00   $2,550.00     Difference
 xpenses
ange the budgeted amount (row 36).]
                   0            0                0             0         total spent      income       what's left
                  This         This             This          This          $0.00                      -$1,844.50
                column       column           column        column          $0.00                      -$1,844.50
                 stays        stays            stays         stays          $0.00                      -$1,844.50
                 blank.       blank.           blank.        blank.         $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00          $0.00       -$1,844.50
                                                                           $705.50
                                                                           $705.50                                   0
                   0               0            0              0         total spent      income       what's left
                       Amount Spent on Irregular Expenses
ng amounts, spent at random points in the year) [Just enter in this month's expenses here.]
                gifts           0               0               0              0             0               0
                               This            This            This           This          This            This
                             column          column          column         column       column           column
                              stays           stays           stays          stays        stays            stays
                              blank.          blank.          blank.         blank.       blank.           blank.




                 $0.00
 Analysis for April 2007

 enses Budgeting vs. Actual Spending                                    Income vs. Expenses Overview
 ught we'd spend / what we really spent ]                               [ did we end up saving anything? ]
our budget for the month. We had planned to             This month, we spent $0.00. That was ...
s month, and we ended up spending $0.00, so                 • $0.00 spent on Variable Expenses
 planning was over by $705.50.                                 (like housecare / groceries / etc.)
, that's just the Variable Expenses. The                    • $0.00 spent on Regular Expenses
l show you how we're doing with Regular and                    (like rent / phone bill / etc.)
   Irregular Expenses.)                                     • $0.00 spent on Irregular Expenses
                                                               (like car maint. / medical / etc.)
otal Income                      $0.00                  We brought in $0.00 for the month, so we ended up breaking
                                                        even.
                       We brought in $0.00 for the month, so we ended up breaking
tal Expenses   $0.00   even.
Difference     $0.00   You can see a chart outlining that info to the left.
                                                                Amount Spent on Variable Expenses
                                     (changing amounts, spent every month) [Feel free to change the budgeted amount (row
 May 2007        housecare         groceries    dining out      car gas      haircuts         misc.
     1
     2
     3
     4
     5
     6
     7
     8
     9
    10
    11
    12
    13
    14
    15
    16
    17
    18
    19
    20
    21
    22
    23
    24
    25
    26
    27
    28
    29
    30
    31
total spent        $0.00             $0.00            $0.00           $0.00          $0.00          $0.00
 budgeted          $30.00           $400.00          $85.00          $100.00         $35.00         $55.50
difference         $30.00           $400.00          $85.00          $100.00         $35.00         $55.50
 May 2007        housecare         groceries       dining out        car gas        haircuts        misc.
   Amount Spent on Regular Expenses                                                                                    Amount
   (same amount, spent every month)                                                      (changing amounts, spent at random po
          rent                                                      car maint.      medical      medicine
       phone bill
       insurance
          tithe
       donations
        savings
         college
            0
            0
            0
                                                           total:     $0.00          $0.00           $0.00
                                                                                                    Analysis for May 2007

            How To Use This Summary Analysis                                          Variable Expenses Budgeting vs. Actual Spen
This is a summary of the month's income and expenses. At the                          [ what we thought we'd spend / what we really sp
 end of the month, it'll explain how we did this month. It gives                  We were way off our budget for the month. We had p
       you the same info you see above, just with its own                        spend $705.50 this month, and we ended up spending
interpretation. For a more in-depth look at your budget for the                                 our planning was over by $705.50.
              year, check out the "Analysis" page.                                   (Keep in mind, that's just the Variable Expenses
                                                                                 "Analysis" page will show you how we're doing with Re
   Area           Budgeted        Amt. Spent       Difference                                          Irregular Expenses.)
  Variable         $705.50          $0.00           $705.50
  Regular         $1,469.50         $0.00          $1,469.50                                     Total Income
Irregular    $375.00    $0.00    $375.00    Total Expenses
  Total     $2,550.00   $0.00   $2,550.00     Difference
 xpenses
ange the budgeted amount (row 36).]
                   0            0                0             0         total spent      income       what's left
                  This         This             This          This          $0.00                      -$1,844.50
                column       column           column        column          $0.00                      -$1,844.50
                 stays        stays            stays         stays          $0.00                      -$1,844.50
                 blank.       blank.           blank.        blank.         $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00          $0.00       -$1,844.50
                                                                           $705.50
                                                                           $705.50                                   0
                   0               0            0              0         total spent      income       what's left
                       Amount Spent on Irregular Expenses
ng amounts, spent at random points in the year) [Just enter in this month's expenses here.]
                gifts           0               0               0              0             0               0
                               This            This            This           This          This            This
                             column          column          column         column       column           column
                              stays           stays           stays          stays        stays            stays
                              blank.          blank.          blank.         blank.       blank.           blank.




                 $0.00
  Analysis for May 2007

 enses Budgeting vs. Actual Spending                                    Income vs. Expenses Overview
 ught we'd spend / what we really spent ]                               [ did we end up saving anything? ]
our budget for the month. We had planned to             This month, we spent $0.00. That was ...
s month, and we ended up spending $0.00, so                 • $0.00 spent on Variable Expenses
 planning was over by $705.50.                                 (like housecare / groceries / etc.)
, that's just the Variable Expenses. The                    • $0.00 spent on Regular Expenses
l show you how we're doing with Regular and                    (like rent / phone bill / etc.)
   Irregular Expenses.)                                     • $0.00 spent on Irregular Expenses
                                                               (like car maint. / medical / etc.)
otal Income                      $0.00                  We brought in $0.00 for the month, so we ended up breaking
                                                        even.
                       We brought in $0.00 for the month, so we ended up breaking
tal Expenses   $0.00   even.
Difference     $0.00   You can see a chart outlining that info to the left.
                                                                Amount Spent on Variable Expenses
                                     (changing amounts, spent every month) [Feel free to change the budgeted amount (row
 Jun 2007        housecare         groceries    dining out      car gas      haircuts         misc.
     1
     2
     3
     4
     5
     6
     7
     8
     9
    10
    11
    12
    13
    14
    15
    16
    17
    18
    19
    20
    21
    22
    23
    24
    25
    26
    27
    28
    29
    30
    31
total spent        $0.00             $0.00            $0.00           $0.00          $0.00          $0.00
 budgeted          $30.00           $400.00          $85.00          $100.00         $35.00         $55.50
difference         $30.00           $400.00          $85.00          $100.00         $35.00         $55.50
 Jun 2007        housecare         groceries       dining out        car gas        haircuts        misc.
   Amount Spent on Regular Expenses                                                                                    Amount
   (same amount, spent every month)                                                      (changing amounts, spent at random po
          rent                                                      car maint.      medical      medicine
       phone bill
       insurance
          tithe
       donations
        savings
         college
            0
            0
            0
                                                           total:     $0.00          $0.00           $0.00
                                                                                                    Analysis for June 2007

            How To Use This Summary Analysis                                          Variable Expenses Budgeting vs. Actual Spen
This is a summary of the month's income and expenses. At the                          [ what we thought we'd spend / what we really sp
 end of the month, it'll explain how we did this month. It gives                  We were way off our budget for the month. We had p
       you the same info you see above, just with its own                        spend $705.50 this month, and we ended up spending
interpretation. For a more in-depth look at your budget for the                                 our planning was over by $705.50.
              year, check out the "Analysis" page.                                   (Keep in mind, that's just the Variable Expenses
                                                                                 "Analysis" page will show you how we're doing with Re
   Area           Budgeted        Amt. Spent       Difference                                          Irregular Expenses.)
  Variable         $705.50          $0.00           $705.50
  Regular         $1,469.50         $0.00          $1,469.50                                     Total Income
Irregular    $375.00    $0.00    $375.00    Total Expenses
  Total     $2,550.00   $0.00   $2,550.00     Difference
 xpenses
ange the budgeted amount (row 36).]
                   0            0                0             0         total spent      income       what's left
                  This         This             This          This          $0.00                      -$1,844.50
                column       column           column        column          $0.00                      -$1,844.50
                 stays        stays            stays         stays          $0.00                      -$1,844.50
                 blank.       blank.           blank.        blank.         $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00          $0.00       -$1,844.50
                                                                           $705.50
                                                                           $705.50                                   0
                   0               0            0              0         total spent      income       what's left
                       Amount Spent on Irregular Expenses
ng amounts, spent at random points in the year) [Just enter in this month's expenses here.]
                gifts           0               0               0              0             0               0
                               This            This            This           This          This            This
                             column          column          column         column       column           column
                              stays           stays           stays          stays        stays            stays
                              blank.          blank.          blank.         blank.       blank.           blank.




                 $0.00
 Analysis for June 2007

 enses Budgeting vs. Actual Spending                                    Income vs. Expenses Overview
 ught we'd spend / what we really spent ]                               [ did we end up saving anything? ]
our budget for the month. We had planned to             This month, we spent $0.00. That was ...
s month, and we ended up spending $0.00, so                 • $0.00 spent on Variable Expenses
 planning was over by $705.50.                                 (like housecare / groceries / etc.)
, that's just the Variable Expenses. The                    • $0.00 spent on Regular Expenses
l show you how we're doing with Regular and                    (like rent / phone bill / etc.)
   Irregular Expenses.)                                     • $0.00 spent on Irregular Expenses
                                                               (like car maint. / medical / etc.)
otal Income                      $0.00                  We brought in $0.00 for the month, so we ended up breaking
                                                        even.
                       We brought in $0.00 for the month, so we ended up breaking
tal Expenses   $0.00   even.
Difference     $0.00   You can see a chart outlining that info to the left.
                                                                Amount Spent on Variable Expenses
                                     (changing amounts, spent every month) [Feel free to change the budgeted amount (row
 Jul 2007        housecare         groceries    dining out      car gas      haircuts         misc.
     1
     2
     3
     4
     5
     6
     7
     8
     9
    10
    11
    12
    13
    14
    15
    16
    17
    18
    19
    20
    21
    22
    23
    24
    25
    26
    27
    28
    29
    30
    31
total spent        $0.00             $0.00            $0.00           $0.00          $0.00          $0.00
 budgeted          $30.00           $400.00          $85.00          $100.00         $35.00         $55.50
difference         $30.00           $400.00          $85.00          $100.00         $35.00         $55.50
 Jul 2007        housecare         groceries       dining out        car gas        haircuts        misc.
   Amount Spent on Regular Expenses                                                                                    Amount
   (same amount, spent every month)                                                      (changing amounts, spent at random po
          rent                                                      car maint.      medical      medicine
       phone bill
       insurance
          tithe
       donations
        savings
         college
            0
            0
            0
                                                           total:     $0.00          $0.00           $0.00
                                                                                                    Analysis for July 2007

            How To Use This Summary Analysis                                          Variable Expenses Budgeting vs. Actual Spen
This is a summary of the month's income and expenses. At the                          [ what we thought we'd spend / what we really sp
 end of the month, it'll explain how we did this month. It gives                  We were way off our budget for the month. We had p
       you the same info you see above, just with its own                        spend $705.50 this month, and we ended up spending
interpretation. For a more in-depth look at your budget for the                                 our planning was over by $705.50.
              year, check out the "Analysis" page.                                   (Keep in mind, that's just the Variable Expenses
                                                                                 "Analysis" page will show you how we're doing with Re
   Area           Budgeted        Amt. Spent       Difference                                          Irregular Expenses.)
  Variable         $705.50          $0.00           $705.50
  Regular         $1,469.50         $0.00          $1,469.50                                     Total Income
Irregular    $375.00    $0.00    $375.00    Total Expenses
  Total     $2,550.00   $0.00   $2,550.00     Difference
 xpenses
ange the budgeted amount (row 36).]
                   0            0                0             0         total spent      income       what's left
                  This         This             This          This          $0.00                      -$1,844.50
                column       column           column        column          $0.00                      -$1,844.50
                 stays        stays            stays         stays          $0.00                      -$1,844.50
                 blank.       blank.           blank.        blank.         $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00          $0.00       -$1,844.50
                                                                           $705.50
                                                                           $705.50                                   0
                   0               0            0              0         total spent      income       what's left
                       Amount Spent on Irregular Expenses
ng amounts, spent at random points in the year) [Just enter in this month's expenses here.]
                gifts           0               0               0              0             0               0
                               This            This            This           This          This            This
                             column          column          column         column       column           column
                              stays           stays           stays          stays        stays            stays
                              blank.          blank.          blank.         blank.       blank.           blank.




                 $0.00
  Analysis for July 2007

 enses Budgeting vs. Actual Spending                                    Income vs. Expenses Overview
 ught we'd spend / what we really spent ]                               [ did we end up saving anything? ]
our budget for the month. We had planned to             This month, we spent $0.00. That was ...
s month, and we ended up spending $0.00, so                 • $0.00 spent on Variable Expenses
 planning was over by $705.50.                                 (like housecare / groceries / etc.)
, that's just the Variable Expenses. The                    • $0.00 spent on Regular Expenses
l show you how we're doing with Regular and                    (like rent / phone bill / etc.)
   Irregular Expenses.)                                     • $0.00 spent on Irregular Expenses
                                                               (like car maint. / medical / etc.)
otal Income                      $0.00                  We brought in $0.00 for the month, so we ended up breaking
                                                        even.
                       We brought in $0.00 for the month, so we ended up breaking
tal Expenses   $0.00   even.
Difference     $0.00   You can see a chart outlining that info to the left.
                                                                Amount Spent on Variable Expenses
                                     (changing amounts, spent every month) [Feel free to change the budgeted amount (row
 Aug 2007        housecare         groceries    dining out      car gas      haircuts         misc.
     1
     2
     3
     4
     5
     6
     7
     8
     9
    10
    11
    12
    13
    14
    15
    16
    17
    18
    19
    20
    21
    22
    23
    24
    25
    26
    27
    28
    29
    30
    31
total spent        $0.00             $0.00            $0.00           $0.00          $0.00          $0.00
 budgeted          $30.00           $400.00          $85.00          $100.00         $35.00         $55.50
difference         $30.00           $400.00          $85.00          $100.00         $35.00         $55.50
 Aug 2007        housecare         groceries       dining out        car gas        haircuts        misc.
   Amount Spent on Regular Expenses                                                                                    Amount
   (same amount, spent every month)                                                      (changing amounts, spent at random po
          rent                                                      car maint.      medical      medicine
       phone bill
       insurance
          tithe
       donations
        savings
         college
            0
            0
            0
                                                           total:     $0.00          $0.00           $0.00
                                                                                                  Analysis for August 2007

            How To Use This Summary Analysis                                          Variable Expenses Budgeting vs. Actual Spen
This is a summary of the month's income and expenses. At the                          [ what we thought we'd spend / what we really sp
 end of the month, it'll explain how we did this month. It gives                  We were way off our budget for the month. We had p
       you the same info you see above, just with its own                        spend $705.50 this month, and we ended up spending
interpretation. For a more in-depth look at your budget for the                                 our planning was over by $705.50.
              year, check out the "Analysis" page.                                   (Keep in mind, that's just the Variable Expenses
                                                                                 "Analysis" page will show you how we're doing with Re
   Area           Budgeted        Amt. Spent       Difference                                          Irregular Expenses.)
  Variable         $705.50          $0.00           $705.50
  Regular         $1,469.50         $0.00          $1,469.50                                     Total Income
Irregular    $375.00    $0.00    $375.00    Total Expenses
  Total     $2,550.00   $0.00   $2,550.00     Difference
 xpenses
ange the budgeted amount (row 36).]
                   0            0                0             0         total spent      income       what's left
                  This         This             This          This          $0.00                      -$1,844.50
                column       column           column        column          $0.00                      -$1,844.50
                 stays        stays            stays         stays          $0.00                      -$1,844.50
                 blank.       blank.           blank.        blank.         $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00          $0.00       -$1,844.50
                                                                           $705.50
                                                                           $705.50                                   0
                   0               0            0              0         total spent      income       what's left
                       Amount Spent on Irregular Expenses
ng amounts, spent at random points in the year) [Just enter in this month's expenses here.]
                gifts           0               0               0              0             0               0
                               This            This            This           This          This            This
                             column          column          column         column       column           column
                              stays           stays           stays          stays        stays            stays
                              blank.          blank.          blank.         blank.       blank.           blank.




                 $0.00
Analysis for August 2007

 enses Budgeting vs. Actual Spending                                    Income vs. Expenses Overview
 ught we'd spend / what we really spent ]                               [ did we end up saving anything? ]
our budget for the month. We had planned to             This month, we spent $0.00. That was ...
s month, and we ended up spending $0.00, so                 • $0.00 spent on Variable Expenses
 planning was over by $705.50.                                 (like housecare / groceries / etc.)
, that's just the Variable Expenses. The                    • $0.00 spent on Regular Expenses
l show you how we're doing with Regular and                    (like rent / phone bill / etc.)
   Irregular Expenses.)                                     • $0.00 spent on Irregular Expenses
                                                               (like car maint. / medical / etc.)
otal Income                      $0.00                  We brought in $0.00 for the month, so we ended up breaking
                                                        even.
                       We brought in $0.00 for the month, so we ended up breaking
tal Expenses   $0.00   even.
Difference     $0.00   You can see a chart outlining that info to the left.
                                                                Amount Spent on Variable Expenses
                                     (changing amounts, spent every month) [Feel free to change the budgeted amount (row
 Sep 2007        housecare         groceries    dining out      car gas      haircuts         misc.
     1
     2
     3
     4
     5
     6
     7
     8
     9
    10
    11
    12
    13
    14
    15
    16
    17
    18
    19
    20
    21
    22
    23
    24
    25
    26
    27
    28
    29
    30
    31
total spent        $0.00             $0.00            $0.00           $0.00          $0.00          $0.00
 budgeted          $30.00           $400.00          $85.00          $100.00         $35.00         $55.50
difference         $30.00           $400.00          $85.00          $100.00         $35.00         $55.50
 Sep 2007        housecare         groceries       dining out        car gas        haircuts        misc.
   Amount Spent on Regular Expenses                                                                                    Amount
   (same amount, spent every month)                                                      (changing amounts, spent at random po
          rent                                                      car maint.      medical      medicine
       phone bill
       insurance
          tithe
       donations
        savings
         college
            0
            0
            0
                                                           total:     $0.00          $0.00           $0.00
                                                                                                Analysis for September 2007

            How To Use This Summary Analysis                                          Variable Expenses Budgeting vs. Actual Spen
This is a summary of the month's income and expenses. At the                          [ what we thought we'd spend / what we really sp
 end of the month, it'll explain how we did this month. It gives                  We were way off our budget for the month. We had p
       you the same info you see above, just with its own                        spend $705.50 this month, and we ended up spending
interpretation. For a more in-depth look at your budget for the                                 our planning was over by $705.50.
              year, check out the "Analysis" page.                                   (Keep in mind, that's just the Variable Expenses
                                                                                 "Analysis" page will show you how we're doing with Re
   Area           Budgeted        Amt. Spent       Difference                                          Irregular Expenses.)
  Variable         $705.50          $0.00           $705.50
  Regular         $1,469.50         $0.00          $1,469.50                                     Total Income
Irregular    $375.00    $0.00    $375.00    Total Expenses
  Total     $2,550.00   $0.00   $2,550.00     Difference
 xpenses
ange the budgeted amount (row 36).]
                   0            0                0             0         total spent      income       what's left
                  This         This             This          This          $0.00                      -$1,844.50
                column       column           column        column          $0.00                      -$1,844.50
                 stays        stays            stays         stays          $0.00                      -$1,844.50
                 blank.       blank.           blank.        blank.         $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00          $0.00       -$1,844.50
                                                                           $705.50
                                                                           $705.50                                   0
                   0               0            0              0         total spent      income       what's left
                       Amount Spent on Irregular Expenses
ng amounts, spent at random points in the year) [Just enter in this month's expenses here.]
                gifts           0               0               0              0             0               0
                               This            This            This           This          This            This
                             column          column          column         column       column           column
                              stays           stays           stays          stays        stays            stays
                              blank.          blank.          blank.         blank.       blank.           blank.




                 $0.00
nalysis for September 2007

 enses Budgeting vs. Actual Spending                                    Income vs. Expenses Overview
 ught we'd spend / what we really spent ]                               [ did we end up saving anything? ]
our budget for the month. We had planned to             This month, we spent $0.00. That was ...
s month, and we ended up spending $0.00, so                 • $0.00 spent on Variable Expenses
 planning was over by $705.50.                                 (like housecare / groceries / etc.)
, that's just the Variable Expenses. The                    • $0.00 spent on Regular Expenses
l show you how we're doing with Regular and                    (like rent / phone bill / etc.)
   Irregular Expenses.)                                     • $0.00 spent on Irregular Expenses
                                                               (like car maint. / medical / etc.)
otal Income                      $0.00                  We brought in $0.00 for the month, so we ended up breaking
                                                        even.
                       We brought in $0.00 for the month, so we ended up breaking
tal Expenses   $0.00   even.
Difference     $0.00   You can see a chart outlining that info to the left.
                                                                Amount Spent on Variable Expenses
                                     (changing amounts, spent every month) [Feel free to change the budgeted amount (row
 Oct 2007        housecare         groceries    dining out      car gas      haircuts         misc.
     1
     2
     3
     4
     5
     6
     7
     8
     9
    10
    11
    12
    13
    14
    15
    16
    17
    18
    19
    20
    21
    22
    23
    24
    25
    26
    27
    28
    29
    30
    31
total spent        $0.00             $0.00            $0.00           $0.00          $0.00          $0.00
 budgeted          $30.00           $400.00          $85.00          $100.00         $35.00         $55.50
difference         $30.00           $400.00          $85.00          $100.00         $35.00         $55.50
 Oct 2007        housecare         groceries       dining out        car gas        haircuts        misc.
   Amount Spent on Regular Expenses                                                                                    Amount
   (same amount, spent every month)                                                      (changing amounts, spent at random po
          rent                                                      car maint.      medical      medicine
       phone bill
       insurance
          tithe
       donations
        savings
         college
            0
            0
            0
                                                           total:     $0.00          $0.00           $0.00
                                                                                                  Analysis for October 2007

            How To Use This Summary Analysis                                          Variable Expenses Budgeting vs. Actual Spen
This is a summary of the month's income and expenses. At the                          [ what we thought we'd spend / what we really sp
 end of the month, it'll explain how we did this month. It gives                  We were way off our budget for the month. We had p
       you the same info you see above, just with its own                        spend $705.50 this month, and we ended up spending
interpretation. For a more in-depth look at your budget for the                                 our planning was over by $705.50.
              year, check out the "Analysis" page.                                   (Keep in mind, that's just the Variable Expenses
                                                                                 "Analysis" page will show you how we're doing with Re
   Area           Budgeted        Amt. Spent       Difference                                          Irregular Expenses.)
  Variable         $705.50          $0.00           $705.50
  Regular         $1,469.50         $0.00          $1,469.50                                     Total Income
Irregular    $375.00    $0.00    $375.00    Total Expenses
  Total     $2,550.00   $0.00   $2,550.00     Difference
 xpenses
ange the budgeted amount (row 36).]
                   0            0                0             0         total spent      income       what's left
                  This         This             This          This          $0.00                      -$1,844.50
                column       column           column        column          $0.00                      -$1,844.50
                 stays        stays            stays         stays          $0.00                      -$1,844.50
                 blank.       blank.           blank.        blank.         $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00          $0.00       -$1,844.50
                                                                           $705.50
                                                                           $705.50                                   0
                   0               0            0              0         total spent      income       what's left
                       Amount Spent on Irregular Expenses
ng amounts, spent at random points in the year) [Just enter in this month's expenses here.]
                gifts           0               0               0              0             0               0
                               This            This            This           This          This            This
                             column          column          column         column       column           column
                              stays           stays           stays          stays        stays            stays
                              blank.          blank.          blank.         blank.       blank.           blank.




                 $0.00
Analysis for October 2007

 enses Budgeting vs. Actual Spending                                    Income vs. Expenses Overview
 ught we'd spend / what we really spent ]                               [ did we end up saving anything? ]
our budget for the month. We had planned to             This month, we spent $0.00. That was ...
s month, and we ended up spending $0.00, so                 • $0.00 spent on Variable Expenses
 planning was over by $705.50.                                 (like housecare / groceries / etc.)
, that's just the Variable Expenses. The                    • $0.00 spent on Regular Expenses
l show you how we're doing with Regular and                    (like rent / phone bill / etc.)
   Irregular Expenses.)                                     • $0.00 spent on Irregular Expenses
                                                               (like car maint. / medical / etc.)
otal Income                      $0.00                  We brought in $0.00 for the month, so we ended up breaking
                                                        even.
                       We brought in $0.00 for the month, so we ended up breaking
tal Expenses   $0.00   even.
Difference     $0.00   You can see a chart outlining that info to the left.
                                                                Amount Spent on Variable Expenses
                                     (changing amounts, spent every month) [Feel free to change the budgeted amount (row
 Nov 2007        housecare         groceries    dining out      car gas      haircuts         misc.
     1
     2
     3
     4
     5
     6
     7
     8
     9
    10
    11
    12
    13
    14
    15
    16
    17
    18
    19
    20
    21
    22
    23
    24
    25
    26
    27
    28
    29
    30
    31
total spent        $0.00             $0.00            $0.00           $0.00          $0.00          $0.00
 budgeted          $30.00           $400.00          $85.00          $100.00         $35.00         $55.50
difference         $30.00           $400.00          $85.00          $100.00         $35.00         $55.50
 Nov 2007        housecare         groceries       dining out        car gas        haircuts        misc.
   Amount Spent on Regular Expenses                                                                                    Amount
   (same amount, spent every month)                                                      (changing amounts, spent at random po
          rent                                                      car maint.      medical      medicine
       phone bill
       insurance
          tithe
       donations
        savings
         college
            0
            0
            0
                                                           total:     $0.00          $0.00           $0.00
                                                                                                 Analysis for November 2007

            How To Use This Summary Analysis                                          Variable Expenses Budgeting vs. Actual Spen
This is a summary of the month's income and expenses. At the                          [ what we thought we'd spend / what we really sp
 end of the month, it'll explain how we did this month. It gives                  We were way off our budget for the month. We had p
       you the same info you see above, just with its own                        spend $705.50 this month, and we ended up spending
interpretation. For a more in-depth look at your budget for the                                 our planning was over by $705.50.
              year, check out the "Analysis" page.                                   (Keep in mind, that's just the Variable Expenses
                                                                                 "Analysis" page will show you how we're doing with Re
   Area           Budgeted        Amt. Spent       Difference                                          Irregular Expenses.)
  Variable         $705.50          $0.00           $705.50
  Regular         $1,469.50         $0.00          $1,469.50                                     Total Income
Irregular    $375.00    $0.00    $375.00    Total Expenses
  Total     $2,550.00   $0.00   $2,550.00     Difference
 xpenses
ange the budgeted amount (row 36).]
                   0            0                0             0         total spent      income       what's left
                  This         This             This          This          $0.00                      -$1,844.50
                column       column           column        column          $0.00                      -$1,844.50
                 stays        stays            stays         stays          $0.00                      -$1,844.50
                 blank.       blank.           blank.        blank.         $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00          $0.00       -$1,844.50
                                                                           $705.50
                                                                           $705.50                                   0
                   0               0            0              0         total spent      income       what's left
                       Amount Spent on Irregular Expenses
ng amounts, spent at random points in the year) [Just enter in this month's expenses here.]
                gifts           0               0               0              0             0               0
                               This            This            This           This          This            This
                             column          column          column         column       column           column
                              stays           stays           stays          stays        stays            stays
                              blank.          blank.          blank.         blank.       blank.           blank.




                 $0.00
nalysis for November 2007

 enses Budgeting vs. Actual Spending                                    Income vs. Expenses Overview
 ught we'd spend / what we really spent ]                               [ did we end up saving anything? ]
our budget for the month. We had planned to             This month, we spent $0.00. That was ...
s month, and we ended up spending $0.00, so                 • $0.00 spent on Variable Expenses
 planning was over by $705.50.                                 (like housecare / groceries / etc.)
, that's just the Variable Expenses. The                    • $0.00 spent on Regular Expenses
l show you how we're doing with Regular and                    (like rent / phone bill / etc.)
   Irregular Expenses.)                                     • $0.00 spent on Irregular Expenses
                                                               (like car maint. / medical / etc.)
otal Income                      $0.00                  We brought in $0.00 for the month, so we ended up breaking
                                                        even.
                       We brought in $0.00 for the month, so we ended up breaking
tal Expenses   $0.00   even.
Difference     $0.00   You can see a chart outlining that info to the left.
                                                                Amount Spent on Variable Expenses
                                     (changing amounts, spent every month) [Feel free to change the budgeted amount (row
 Dec 2007        housecare         groceries    dining out      car gas      haircuts         misc.
     1
     2
     3
     4
     5
     6
     7
     8
     9
    10
    11
    12
    13
    14
    15
    16
    17
    18
    19
    20
    21
    22
    23
    24
    25
    26
    27
    28
    29
    30
    31
total spent        $0.00             $0.00            $0.00           $0.00          $0.00          $0.00
 budgeted          $30.00           $400.00          $85.00          $100.00         $35.00         $55.50
difference         $30.00           $400.00          $85.00          $100.00         $35.00         $55.50
 Dec 2007        housecare         groceries       dining out        car gas        haircuts        misc.
   Amount Spent on Regular Expenses                                                                                    Amount
   (same amount, spent every month)                                                      (changing amounts, spent at random po
          rent                                                      car maint.      medical      medicine
       phone bill
       insurance
          tithe
       donations
        savings
         college
            0
            0
            0
                                                           total:     $0.00          $0.00           $0.00
                                                                                                 Analysis for December 2007

            How To Use This Summary Analysis                                          Variable Expenses Budgeting vs. Actual Spen
This is a summary of the month's income and expenses. At the                          [ what we thought we'd spend / what we really sp
 end of the month, it'll explain how we did this month. It gives                  We were way off our budget for the month. We had p
       you the same info you see above, just with its own                        spend $705.50 this month, and we ended up spending
interpretation. For a more in-depth look at your budget for the                                 our planning was over by $705.50.
              year, check out the "Analysis" page.                                   (Keep in mind, that's just the Variable Expenses
                                                                                 "Analysis" page will show you how we're doing with Re
   Area           Budgeted        Amt. Spent       Difference                                          Irregular Expenses.)
  Variable         $705.50          $0.00           $705.50
  Regular         $1,469.50         $0.00          $1,469.50                                     Total Income
Irregular    $375.00    $0.00    $375.00    Total Expenses
  Total     $2,550.00   $0.00   $2,550.00     Difference
 xpenses
ange the budgeted amount (row 36).]
                   0            0                0             0         total spent      income       what's left
                  This         This             This          This          $0.00                      -$1,844.50
                column       column           column        column          $0.00                      -$1,844.50
                 stays        stays            stays         stays          $0.00                      -$1,844.50
                 blank.       blank.           blank.        blank.         $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00                      -$1,844.50
                                                                            $0.00          $0.00       -$1,844.50
                                                                           $705.50
                                                                           $705.50                                   0
                   0               0            0              0         total spent      income       what's left
                       Amount Spent on Irregular Expenses
ng amounts, spent at random points in the year) [Just enter in this month's expenses here.]
                gifts           0               0               0              0             0               0
                               This            This            This           This          This            This
                             column          column          column         column       column           column
                              stays           stays           stays          stays        stays            stays
                              blank.          blank.          blank.         blank.       blank.           blank.




                 $0.00
nalysis for December 2007

 enses Budgeting vs. Actual Spending                                    Income vs. Expenses Overview
 ught we'd spend / what we really spent ]                               [ did we end up saving anything? ]
our budget for the month. We had planned to             This month, we spent $0.00. That was ...
s month, and we ended up spending $0.00, so                 • $0.00 spent on Variable Expenses
 planning was over by $705.50.                                 (like housecare / groceries / etc.)
, that's just the Variable Expenses. The                    • $0.00 spent on Regular Expenses
l show you how we're doing with Regular and                    (like rent / phone bill / etc.)
   Irregular Expenses.)                                     • $0.00 spent on Irregular Expenses
                                                               (like car maint. / medical / etc.)
otal Income                      $0.00                  We brought in $0.00 for the month, so we ended up breaking
                                                        even.
                       We brought in $0.00 for the month, so we ended up breaking
tal Expenses   $0.00   even.
Difference     $0.00   You can see a chart outlining that info to the left.
                              Don't change anything on this page. Every cell on this spreadsheet is defined elsewhere in

   Regular         Monthly Budgeted                                                           Regular Expenses: Amoun
Spending Area          Amount                Jan         Feb         Mar         Apr         May
      rent             $900.00
  phone bill            $64.50
  insurance            $130.00
     tithe             $255.00
  donations             $20.00
   savings              $50.00
    college             $50.00
       0                $0.00
       0                $0.00
       0                $0.00
     Total            $1,469.50             $0.00       $0.00       $0.00       $0.00       $0.00

                              Don't change anything on this page. Every cell on this spreadsheet is defined elsewhere in

  Irregular        Monthly Budgeted                                                          Irregular Expenses: Amoun
Spending Area           Amount               Jan         Feb         Mar         Apr         May
  car maint.      $250.00 ($3,000 / yr)
   medical         $50.00 ($600 / yr)
   medicine        $25.00 ($300 / yr)
     gifts         $50.00 ($600 / yr)
       0             $0.00 ($0 / yr)
       0             $0.00 ($0 / yr)
       0             $0.00 ($0 / yr)
       0             $0.00 ($0 / yr)
       0             $0.00 ($0 / yr)
       0             $0.00 ($0 / yr)
    Total         $375.00 ($4,500 / yr)     $0.00       $0.00       $0.00       $0.00       $0.00

                              Don't change anything on this page. Every cell on this spreadsheet is defined elsewhere in

          Variable Expenses                  Jan         Feb         Mar         Apr         May
                          spent
 housecare             budgeted
                       difference
                          spent
 groceries             budgeted
                       difference
                          spent
 dining out            budgeted
                       difference
                          spent
  car gas              budgeted
                       difference
                          spent
  haircuts             budgeted
                       difference
                          spent
    misc.              budgeted
                       difference
                          spent
      0                budgeted
                       difference
                          spent
      0                budgeted
                       difference
                          spent
      0                budgeted
                       difference
                          spent
      0
     0              budgeted
                   difference
   Totals             spent             $0.00       $0.00       $0.00       $0.00       $0.00
 (Variable         budgeted             $0.00       $0.00       $0.00       $0.00       $0.00
 Expenses)         difference           $0.00       $0.00       $0.00       $0.00       $0.00

                    Summary              Jan         Feb         Mar         Apr         May
                  Total Income          $0.00       $0.00       $0.00       $0.00       $0.00
                  Reg. Expenses         $0.00       $0.00       $0.00       $0.00       $0.00
                 Irreg. Expenses        $0.00       $0.00       $0.00       $0.00       $0.00
active months   Variable Expenses       $0.00       $0.00       $0.00       $0.00       $0.00
    so far:      Total Expenses         $0.00       $0.00       $0.00       $0.00       $0.00
       0             Balance            $0.00       $0.00       $0.00       $0.00       $0.00

                          Don't change anything on this page. Every cell on this spreadsheet is defined elsewhere in

                                                                                            Year in Summary
adsheet is defined elsewhere in the PearBudget software. Simply use this page for analysis.

     Regular Expenses: Amount Spent In ...
                                                                                                Total Spent
                Jun       Jul         Aug            Sep         Oct         Nov         Dec
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00




                $0.00       $0.00       $0.00       $0.00       $0.00       $0.00       $0.00     $0.00

adsheet is defined elsewhere in the PearBudget software. Simply use this page for analysis.

     Irregular Expenses: Amount Spent In ...
                                                                                                Total Spent
                 Jun        Jul        Aug           Sep         Oct         Nov         Dec
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00




                $0.00       $0.00       $0.00       $0.00       $0.00       $0.00       $0.00     $0.00

adsheet is defined elsewhere in the PearBudget software. Simply use this page for analysis.

                 Jun         Jul         Aug         Sep         Oct         Nov         Dec       Total
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                                                                                                   $0.00
                $0.00       $0.00       $0.00       $0.00       $0.00       $0.00       $0.00      $0.00
                $0.00       $0.00       $0.00       $0.00       $0.00       $0.00       $0.00      $0.00
                $0.00       $0.00       $0.00       $0.00       $0.00       $0.00       $0.00      $0.00

                 Jun         Jul         Aug         Sep         Oct         Nov         Dec       Total
                $0.00       $0.00       $0.00       $0.00       $0.00       $0.00       $0.00      $0.00
                $0.00       $0.00       $0.00       $0.00       $0.00       $0.00       $0.00      $0.00
                $0.00       $0.00       $0.00       $0.00       $0.00       $0.00       $0.00      $0.00
                $0.00       $0.00       $0.00       $0.00       $0.00       $0.00       $0.00      $0.00
                $0.00       $0.00       $0.00       $0.00       $0.00       $0.00       $0.00      $0.00
                $0.00       $0.00       $0.00       $0.00       $0.00       $0.00       $0.00      $0.00

adsheet is defined elsewhere in the PearBudget software. Simply use this page for analysis.

       Year in Summary
                                                                               Regular Expenses            $0.00
                                                                              Irregular Expenses           $0.00
                                                                               Variable Expenses           $0.00
                                                                                  Total Expenses           $0.00
                                                                                    Total Income           $0.00
                                                                             Total Saved in 2006           $0.00
Amount
  Left
 $0.00
 $0.00
 $0.00
 $0.00
 $0.00
 $0.00
 $0.00




$0.00




Amount
  Left
 $0.00
 $0.00
 $0.00
 $0.00




$0.00



Average
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    Average
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$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
                                                                Amount Spent on Variable Expenses
                                     (changing amounts, spent every month) [Feel free to change the budgeted amount (row
 EXAMPLE         housecare         groceries    dining out      car gas      haircuts         misc.
     1
     2                              $89.88                           $22.00
     3
     4
     5              $10.00                                                                           $8.50
     6                              $11.14
     7
     8
     9                              $104.09                          $19.00          $37.00
    10
    11
    12
    13                                                                                              $25.00
    14
    15                                               $57.50          $24.00
    16                              $94.21
    17
    18
    19
    20                                                               $16.00
    21
    22                              $80.05                                                          $17.17
    23
    24
    25              $5.22
    26
    27                              $25.11                           $15.00
    28
    29                                               $25.00
    30
    31
total spent        $15.22           $404.48          $82.50           $96.00         $37.00         $50.67
 budgeted          $30.00           $400.00          $85.00          $100.00         $35.00         $55.50
difference         $14.78            -$4.48           $2.50           $4.00          -$2.00         $4.83
 EXAMPLE         housecare         groceries       dining out        car gas        haircuts        misc.
   Amount Spent on Regular Expenses                                                                                    Amount
   (same amount, spent every month)                                                      (changing amounts, spent at random po
          rent               $900.00                                car maint.      medical      medicine
       phone bill             $64.50                                 $183.10
       insurance             $130.00                                  $16.93
          tithe              $255.00
       donations              $30.00
        savings               $50.00
         college              $50.00
            0
            0
            0
                                                           total:    $200.03         $0.00           $0.00
                                                                                                Analysis for EXAMPLE MONTH

            How To Use This Summary Analysis                                          Variable Expenses Budgeting vs. Actual Spen
This is a summary of the month's income and expenses. At the                          [ what we thought we'd spend / what we really sp
 end of the month, it'll explain how we did this month. It gives                    We were pretty close to our budget for the month.
       you the same info you see above, just with its own                            planned to spend $705.50 this month, and we end
interpretation. For a more in-depth look at your budget for the                      spending $685.87, so our planning was over by $1
              year, check out the "Analysis" page.                                   (Keep in mind, that's just the Variable Expenses
                                                                                 "Analysis" page will show you how we're doing with Re
   Area           Budgeted        Amt. Spent       Difference                                          Irregular Expenses.)
  Variable         $705.50          $685.87          $19.63
  Regular         $1,469.50        $1,479.50        -$10.00                                      Total Income
Irregular    $375.00     $218.15    $156.85   Total Expenses
  Total     $2,550.00   $2,383.52   $166.48     Difference
 xpenses                                                                This is how your budget might look          at
ange the budgeted amount (row 36).]                                                   the end of a month.
                   0            0                 0            0         total spent        income        what's left
                  This         This              This         This           $0.00         $2,100.00       $255.50
                column       column            column       column         $111.88                         $143.62
                 stays        stays             stays        stays           $0.00                         $143.62
                 blank.       blank.            blank.       blank.          $0.00                         $143.62
                                                                            $18.50          $300.00        $425.12
                                                                            $11.14                         $413.98
                                                                             $0.00                         $413.98
                                                                             $0.00                         $413.98
                                                                           $160.09                         $253.89
                                                                             $0.00                         $253.89
                                                                             $0.00                         $253.89
                                                                             $0.00                         $253.89
                                                                            $25.00                         $228.89
                                                                             $0.00                         $228.89
                                                                            $81.50                         $147.39
                                                                            $94.21                          $53.18
                                                                             $0.00                          $53.18
                                                                             $0.00                          $53.18
                                                                             $0.00                          $53.18
                                                                            $16.00                          $37.18
                                                                             $0.00                          $37.18
                                                                            $97.22                         -$60.04
                                                                             $0.00                         -$60.04
                                                                             $0.00          $200.00        $139.96
                                                                             $5.22                         $134.74
                                                                             $0.00                         $134.74
                                                                            $40.11                          $94.63
                                                                             $0.00                          $94.63
                                                                            $25.00                          $69.63
                                                                             $0.00                          $69.63
                                                                             $0.00                          $69.63
                                                                           $685.87         $2,600.00        $69.63
                                                                           $705.50
                                                                            $19.63                                    1
                    0               0            0             0         total spent        income        what's left
                       Amount Spent on Irregular Expenses
ng amounts, spent at random points in the year) [Just enter in this month's expenses here.]
                gifts           0               0               0              0             0                0
               $18.12          This            This            This           This          This             This
                             column          column          column         column       column            column
                              stays           stays           stays          stays        stays             stays
                              blank.          blank.          blank.         blank.       blank.            blank.




                  $18.12
alysis for EXAMPLE MONTH

 enses Budgeting vs. Actual Spending                                     Income vs. Expenses Overview
 ught we'd spend / what we really spent ]                                [ did we end up saving anything? ]
  close to our budget for the month. We had              This month, we spent $2,383.52. That was ...
end $705.50 this month, and we ended up                      • $685.87 spent on Variable Expenses
5.87, so our planning was over by $19.63.                       (like housecare / groceries / etc.)
 , that's just the Variable Expenses. The                    • $1,479.50 spent on Regular Expenses
 l show you how we're doing with Regular and                    (like rent / phone bill / etc.)
    Irregular Expenses.)                                     • $218.15 spent on Irregular Expenses
                                                                (like car maint. / medical / etc.)
otal Income                    $2,600.00                 We brought in $2,600.00 for the month, so we ended up making
                                                         $216.48 beyond what we spent.
                           We brought in $2,600.00 for the month, so we ended up making
tal Expenses   $2,383.52   $216.48 beyond what we spent.
Difference      $216.48    You can see a chart outlining that info to the left.

				
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