monthly cashflow plans v1.2

README

One Year Of Monthly Cashflow Planning SpreadsheetsVersion: 1.2Created with: iWork 08 Numbers, trial version and NeoOffice 2.2.2Released: December 31, 2007Credits: This spreadsheet was originally created by Kenny Drobnack ([email protected])

About this spreadsheet:This spreadsheet is a Zero Based budget based on the principles taught by Dave Ramsey (http://www.daveramsey.com). All your income minus all your outgo (including bills, giving, saving for emergencies and paying down your debt) should equal $0.Using this spreadsheet:On the left side of each months' worksheet is a place for your income. On the right is all your expenses that you have to pay every month.Underneath your income is a place for all the expenses you plan on paying with cash using the Envelope System (put your cash in envelopes at the beginning of the month when it is gone, you are done spending).Below the cash section is the Totals section. This shows you your income minus your expenses. Whatever is left is what goes on the next Baby Step. Your income, minus your expenses, minus how much you spending doing the baby steps will equal $0 if your budget is in balance.The 7 Baby Steps are:1. Save $1,000 beginning Baby Emergency Fund in the bank.2. Pay off all your credit card debt except the house.3. Save up 3 6 months of living expenses fully funded emergency fund.4. Put aside 15% of your income per month for retirement.5. Fund your childrens' college funds (this one won't apply to everyone).6. Pay off your house early by paying extra on your house payment.7. Build wealth and give it away!

Please feel free to write to me if you find this spreadsheet useful or have any suggestions for improvements.TIPS:Print out your budget, after you create it at the beginning of the month on one side of a page. At the end of the month, see how you did by filling in the Actual values and print the results on the other side.The Debt categories in the Expenses table are for minimum payments. The Debts in the Totals table is for Baby Step #2 - pay off all non-mortgage debt as fast as possible, smallest balance first.The space between the cash & the expenses tables is so you can write down how much cash you actually put in your cash envelopes so far. No need to load up for the whole month all at once!This document was made with printing to US Letter size paper in landscape view in mind. To print to other sizes try:Custom paper sizes, if your printer driver supports them.Moving stuff around.Making good uses of the Table -> Resize (Rows or Columns) to Fit Content menu options.Release History:Third release (1.2): December 31, 2007* First bug report Shelly Emblad from financialsoft.about.com discovered that with named cells in the NeoOffice/Excel version of the spreadsheet, all totals were reflecting the January totals. Fixed this issue.*Made difference column in Expenses show up in red if actual expenses were more than planned.Second release (1.1): November 3, 2007Changes (NeoOffice/Excel version):* Exported Numbers version to Excel and edited it most of the improvements didn't carry over, like the headings. NeoOffice just uses the sheet names for the headings.* Used name-based cells where it made sense.Changes (Numbers version):* Went back to iWork 08 Numbers and cleaned up formatting for that.* Removed hard-coded year everywhere except the Cashflow overview sheet. Change the year there and it will be reflected on all the other sheets.* The text Cashflow Plan on the January sheet is used in all the other monthly sheets. For example, change Cashflow Plan to Bobs Bling there and February will say Bobs Bling February 2007. So will March - December.* Switched to Name-based fields instead of cell numbers everywhere. This will allow adding more rows (additional income sources and expense categories) without breaking things.First public release (which Ill call 1.0): September 2, 2007

TODO LIST:Im not sure these are possible, but Id like to do them.Add new sheets to track progress on the Baby Steps and automatically fill in the amounts to allocate to each step in the Totals table.Make the Cash table on the left auto-generate based on the expenses with Cash or $ in their names.Make the Expenses sheet auto-generate. Im not sure if this should be the latest month, average month, or all the data you have filled in so far.

My lame attempt at legalese:Feel free to use, modify, and distribute this spreadsheet in any way you see fit as long as:1. You still credit me with creating the original.2. You retain the notice that this is based on Dave Ramsey's Zero Based budget and list the 7 baby steps3. You may not sell this spreadsheet or anything containing this spreadsheet without first getting my permission.4. If you want to give this spreadsheet away, you're free to do so along as whoever you are giving it to has the same rights and restrictions you did.

Year Overview2008Planned incomePlanned exp.Planned diffActual incomeActual expActual DiffJanuary$0.00$0.00$0.00$0.00$0.00$0.00Februrary$0.00$0.00$0.00$0.00$0.00$0.00March$0.00$0.00$0.00$0.00$0.00$0.00April$0.00$0.00$0.00$0.00$0.00$0.00May$0.00$0.00$0.00$0.00$0.00$0.00June$0.00$0.00$0.00$0.00$0.00$0.00July$0.00$0.00$0.00$0.00$0.00$0.00August$0.00$0.00$0.00$0.00$0.00$0.00September$0.00$0.00$0.00$0.00$0.00$0.00October$0.00$0.00$0.00$0.00$0.00$0.00November$0.00$0.00$0.00$0.00$0.00$0.00December$0.00$0.00$0.00$0.00$0.00$0.00Total$0.00$0.00$0.00$0.00$0.00$0.00

Yearly Cash-flow Overview

JanuaryIncomePlannedActualDiffExpensesPlannedActualDiffSalary #1[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Bill Electric[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Salary #2[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Bill Gas[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Other Income[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Bill Internet[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Total[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Bill Life Insurance[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Bill Phone[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00CategoryAmountBill Water[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Clothes[$KE+S] 0.00Car fees[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Gas[$KE+S] 0.00Car Gasoline (Cash)[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Groceries[$KE+S] 0.00Car insurance[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Household[$KE+S] 0.00Car repairs[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Misc[$KE+S] 0.00Clothes (Cash)[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Spending[$KE+S] 0.00Debt Credit Card #1[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Total Cash[$KE+S] 0.00Debt Credit Card #2[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Debt Student loan[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00TotalsPlannedActualDiffGroceries (Cash)[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Income[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Household (Cash)[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Expenses[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00House Mortgage[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Inc - Exp[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Medical Doctor bills[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Savings[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Misc (Cash)[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Credit card #1[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Necessities[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Credit card #2[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Pets[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Student loan[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Spending (Cash)[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Whats left[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Tithe[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00Total[$KE+S] 0.00[$KE+S] 0.00[$KE+S] 0.00

FebruaryIncomePlannedActualDiffExpensesPlannedActualDiffSalary #1$0.00$0.00$0.00Bill Electric$0.00$0.00$0.00Salary #2$0.00$0.00$0.00Bill Gas$0.00$0.00$0.00Other Income$0.00$0.00$0.00Bill Internet$0.00$0.00$0.00Total$0.00$0.00$0.00Bill Life Insurance$0.00$0.00$0.00Bill Phone$0.00$0.00$0.00CategoryAmountBill Water$0.00$0.00$0.00Clothes$0.00Car fees$0.00$0.00$0.00Gas$0.00Car Gasoline (Cash)$0.00$0.00$0.00Groceries$0.00Car insurance$0.00$0.00$0.00Household$0.00Car repairs$0.00$0.00$0.00Misc$0.00Clothes (Cash)$0.00$0.00$0.00Spending$0.00Debt Credit Card #1$0.00$0.00$0.00Total Cash$0.00Debt Credit Card #2$0.00$0.00$0.00Debt Student loan$0.00$0.00$0.00TotalsPlannedActualDiffGroceries (Cash)$0.00$0.00$0.00Income$0.00$0.00$0.00Household (Cash)$0.00$0.00$0.00Expenses$0.00$0.00$0.00House Mortgage$0.00$0.00$0.00Inc - Exp$0.00$0.00$0.00Medical Doctor bills$0.00$0.00$0.00Savings$0.00$0.00$0.00Misc (Cash)$0.00$0.00$0.00Credit card #1$0.00$0.00$0.00Necessities$0.00$0.00$0.00Credit card #2$0.00$0.00$0.00Pets$0.00$0.00$0.00Student loan$0.00$0.00$0.00Spending (Cash)$0.00$0.00$0.00Whats left$0.00$0.00$0.00Tithe$0.00$0.00$0.00Total$0.00$0.00$0.00

MarchIncomePlannedActualDiffExpensesPlannedActualDiffSalary #1$0.00$0.00$0.00Bill Electric$0.00$0.00$0.00Salary #2$0.00$0.00$0.00Bill Gas$0.00$0.00$0.00Other Income$0.00$0.00$0.00Bill Internet$0.00$0.00$0.00Total$0.00$0.00$0.00Bill Life Insurance$0.00$0.00$0.00Bill Phone$0.00$0.00$0.00CategoryAmountBill Water$0.00$0.00$0.00Clothes$0.00Car fees$0.00$0.00$0.00Gas$0.00Car Gasoline (Cash)$0.00$0.00$0.00Groceries$0.00Car insurance$0.00$0.00$0.00Household$0.00Car repairs$0.00$0.00$0.00Misc$0.00Clothes (Cash)$0.00$0.00$0.00Spending$0.00Debt Credit Card #1$0.00$0.00$0.00Total Cash$0.00Debt Credit Card #2$0.00$0.00$0.00Debt Student loan$0.00$0.00$0.00TotalsPlannedActualDiffGroceries (Cash)$0.00$0.00$0.00Income$0.00$0.00$0.00Household (Cash)$0.00$0.00$0.00Expenses$0.00$0.00$0.00House Mortgage$0.00$0.00$0.00Inc - Exp$0.00$0.00$0.00Medical Doctor bills$0.00$0.00$0.00Savings$0.00$0.00$0.00Misc (Cash)$0.00$0.00$0.00Credit card #1$0.00$0.00$0.00Necessities$0.00$0.00$0.00Credit card #2$0.00$0.00$0.00Pets$0.00$0.00$0.00Student loan$0.00$0.00$0.00Spending (Cash)$0.00$0.00$0.00Whats left$0.00$0.00$0.00Tithe$0.00$0.00$0.00Total$0.00$0.00$0.00

AprilIncomePlannedActualDiffExpensesPlannedActualDiffSalary #1$0.00$0.00$0.00Bill Electric$0.00$0.00$0.00Salary #2$0.00$0.00$0.00Bill Gas$0.00$0.00$0.00Other Income$0.00$0.00$0.00Bill Internet$0.00$0.00$0.00Total$0.00$0.00$0.00Bill Life Insurance$0.00$0.00$0.00Bill Phone$0.00$0.00$0.00CategoryAmountBill Water$0.00$0.00$0.00Clothes$0.00Car fees$0.00$0.00$0.00Gas$0.00Car Gasoline (Cash)$0.00$0.00$0.00Groceries$0.00Car insurance$0.00$0.00$0.00Household$0.00Car repairs$0.00$0.00$0.00Misc$0.00Clothes (Cash)$0.00$0.00$0.00Spending$0.00Debt Credit Card #1$0.00$0.00$0.00Total Cash$0.00Debt Credit Card #2$0.00$0.00$0.00Debt Student loan$0.00$0.00$0.00TotalsPlannedActualDiffGroceries (Cash)$0.00$0.00$0.00Income$0.00$0.00$0.00Household (Cash)$0.00$0.00$0.00Expenses$0.00$0.00$0.00House Mortgage$0.00$0.00$0.00Inc - Exp$0.00$0.00$0.00Medical Doctor bills$0.00$0.00$0.00Savings$0.00$0.00$0.00Misc (Cash)$0.00$0.00$0.00Credit card #1$0.00$0.00$0.00Necessities$0.00$0.00$0.00Credit card #2$0.00$0.00$0.00Pets$0.00$0.00$0.00Student loan$0.00$0.00$0.00Spending (Cash)$0.00$0.00$0.00Whats left$0.00$0.00$0.00Tithe$0.00$0.00$0.00Total$0.00$0.00$0.00

MayIncomePlannedActualDiffExpensesPlannedActualDiffSalary #1$0.00$0.00$0.00Bill Electric$0.00$0.00$0.00Salary #2$0.00$0.00$0.00Bill Gas$0.00$0.00$0.00Other Income$0.00$0.00$0.00Bill Internet$0.00$0.00$0.00Total$0.00$0.00$0.00Bill Life Insurance$0.00$0.00$0.00Bill Phone$0.00$0.00$0.00CategoryAmountBill Water$0.00$0.00$0.00Clothes$0.00Car fees$0.00$0.00$0.00Gas$0.00Car Gasoline (Cash)$0.00$0.00$0.00Groceries$0.00Car insurance$0.00$0.00$0.00Household$0.00Car repairs$0.00$0.00$0.00Misc$0.00Clothes (Cash)$0.00$0.00$0.00Spending$0.00Debt Credit Card #1$0.00$0.00$0.00Total Cash$0.00Debt Credit Card #2$0.00$0.00$0.00Debt Student loan$0.00$0.00$0.00TotalsPlannedActualDiffGroceries (Cash)$0.00$0.00$0.00Income$0.00$0.00$0.00Household (Cash)$0.00$0.00$0.00Expenses$0.00$0.00$0.00House Mortgage$0.00$0.00$0.00Inc - Exp$0.00$0.00$0.00Medical Doctor bills$0.00$0.00$0.00Savings$0.00$0.00$0.00Misc (Cash)$0.00$0.00$0.00Credit card #1$0.00$0.00$0.00Necessities$0.00$0.00$0.00Credit card #2$0.00$0.00$0.00Pets$0.00$0.00$0.00Student loan$0.00$0.00$0.00Spending (Cash)$0.00$0.00$0.00Whats left$0.00$0.00$0.00Tithe$0.00$0.00$0.00Total$0.00$0.00$0.00

JuneIncomePlannedActualDiffExpensesPlannedActualDiffSalary #1$0.00$0.00$0.00Bill Electric$0.00$0.00$0.00Salary #2$0.00$0.00$0.00Bill Gas$0.00$0.00$0.00Other Income$0.00$0.00$0.00Bill Internet$0.00$0.00$0.00Total$0.00$0.00$0.00Bill Life Insurance$0.00$0.00$0.00Bill Phone$0.00$0.00$0.00CategoryAmountBill Water$0.00$0.00$0.00Clothes$0.00Car fees$0.00$0.00$0.00Gas$0.00Car Gasoline (Cash)$0.00$0.00$0.00Groceries$0.00Car insurance$0.00$0.00$0.00Household$0.00Car repairs$0.00$0.00$0.00Misc$0.00Clothes (Cash)$0.00$0.00$0.00Spending$0.00Debt Credit Card #1$0.00$0.00$0.00Total Cash$0.00Debt Credit Card #2$0.00$0.00$0.00Debt Student loan$0.00$0.00$0.00TotalsPlannedActualDiffGroceries (Cash)$0.00$0.00$0.00Income$0.00$0.00$0.00Household (Cash)$0.00$0.00$0.00Expenses$0.00$0.00$0.00House Mortgage$0.00$0.00$0.00Inc - Exp$0.00$0.00$0.00Medical Doctor bills$0.00$0.00$0.00Savings$0.00$0.00$0.00Misc (Cash)$0.00$0.00$0.00Credit card #1$0.00$0.00$0.00Necessities$0.00$0.00$0.00Credit card #2$0.00$0.00$0.00Pets$0.00$0.00$0.00Student loan$0.00$0.00$0.00Spending (Cash)$0.00$0.00$0.00Whats left$0.00$0.00$0.00Tithe$0.00$0.00$0.00Total$0.00$0.00$0.00

JulyIncomePlannedActualDiffExpensesPlannedActualDiffSalary #1$0.00$0.00$0.00Bill Electric$0.00$0.00$0.00Salary #2$0.00$0.00$0.00Bill Gas$0.00$0.00$0.00Other Income$0.00$0.00$0.00Bill Internet$0.00$0.00$0.00Total$0.00$0.00$0.00Bill Life Insurance$0.00$0.00$0.00Bill Phone$0.00$0.00$0.00CategoryAmountBill Water$0.00$0.00$0.00Clothes$0.00Car fees$0.00$0.00$0.00Gas$0.00Car Gasoline (Cash)$0.00$0.00$0.00Groceries$0.00Car insurance$0.00$0.00$0.00Household$0.00Car repairs$0.00$0.00$0.00Misc$0.00Clothes (Cash)$0.00$0.00$0.00Spending$0.00Debt Credit Card #1$0.00$0.00$0.00Total Cash$0.00Debt Credit Card #2$0.00$0.00$0.00Debt Student loan$0.00$0.00$0.00TotalsPlannedActualDiffGroceries (Cash)$0.00$0.00$0.00Income$0.00$0.00$0.00Household (Cash)$0.00$0.00$0.00Expenses$0.00$0.00$0.00House Mortgage$0.00$0.00$0.00Inc - Exp$0.00$0.00$0.00Medical Doctor bills$0.00$0.00$0.00Savings$0.00$0.00$0.00Misc (Cash)$0.00$0.00$0.00Credit card #1$0.00$0.00$0.00Necessities$0.00$0.00$0.00Credit card #2$0.00$0.00$0.00Pets$0.00$0.00$0.00Student loan$0.00$0.00$0.00Spending (Cash)$0.00$0.00$0.00Whats left$0.00$0.00$0.00Tithe$0.00$0.00$0.00Total$0.00$0.00$0.00

AugustIncomePlannedActualDiffExpensesPlannedActualDiffSalary #1$0.00$0.00$0.00Bill Electric$0.00$0.00$0.00Salary #2$0.00$0.00$0.00Bill Gas$0.00$0.00$0.00Other Income$0.00$0.00$0.00Bill Internet$0.00$0.00$0.00Total$0.00$0.00$0.00Bill Life Insurance$0.00$0.00$0.00Bill Phone$0.00$0.00$0.00CategoryAmountBill Water$0.00$0.00$0.00Clothes$0.00Car fees$0.00$0.00$0.00Gas$0.00Car Gasoline (Cash)$0.00$0.00$0.00Groceries$0.00Car insurance$0.00$0.00$0.00Household$0.00Car repairs$0.00$0.00$0.00Misc$0.00Clothes (Cash)$0.00$0.00$0.00Spending$0.00Debt Credit Card #1$0.00$0.00$0.00Total Cash$0.00Debt Credit Card #2$0.00$0.00$0.00Debt Student loan$0.00$0.00$0.00TotalsPlannedActualDiffGroceries (Cash)$0.00$0.00$0.00Income$0.00$0.00$0.00Household (Cash)$0.00$0.00$0.00Expenses$0.00$0.00$0.00House Mortgage$0.00$0.00$0.00Inc - Exp$0.00$0.00$0.00Medical Doctor bills$0.00$0.00$0.00Savings$0.00$0.00$0.00Misc (Cash)$0.00$0.00$0.00Credit card #1$0.00$0.00$0.00Necessities$0.00$0.00$0.00Credit card #2$0.00$0.00$0.00Pets$0.00$0.00$0.00Student loan$0.00$0.00$0.00Spending (Cash)$0.00$0.00$0.00Whats left$0.00$0.00$0.00Tithe$0.00$0.00$0.00Total$0.00$0.00$0.00

SeptemberIncomePlannedActualDiffExpensesPlannedActualDiffSalary #1$0.00$0.00$0.00Bill Electric$0.00$0.00$0.00Salary #2$0.00$0.00$0.00Bill Gas$0.00$0.00$0.00Other Income$0.00$0.00$0.00Bill Internet$0.00$0.00$0.00Total$0.00$0.00$0.00Bill Life Insurance$0.00$0.00$0.00Bill Phone$0.00$0.00$0.00CategoryAmountBill Water$0.00$0.00$0.00Clothes$0.00Car fees$0.00$0.00$0.00Gas$0.00Car Gasoline (Cash)$0.00$0.00$0.00Groceries$0.00Car insurance$0.00$0.00$0.00Household$0.00Car repairs$0.00$0.00$0.00Misc$0.00Clothes (Cash)$0.00$0.00$0.00Spending$0.00Debt Credit Card #1$0.00$0.00$0.00Total Cash$0.00Debt Credit Card #2$0.00$0.00$0.00Debt Student loan$0.00$0.00$0.00TotalsPlannedActualDiffGroceries (Cash)$0.00$0.00$0.00Income$0.00$0.00$0.00Household (Cash)$0.00$0.00$0.00Expenses$0.00$0.00$0.00House Mortgage$0.00$0.00$0.00Inc - Exp$0.00$0.00$0.00Medical Doctor bills$0.00$0.00$0.00Savings$0.00$0.00$0.00Misc (Cash)$0.00$0.00$0.00Credit card #1$0.00$0.00$0.00Necessities$0.00$0.00$0.00Credit card #2$0.00$0.00$0.00Pets$0.00$0.00$0.00Student loan$0.00$0.00$0.00Spending (Cash)$0.00$0.00$0.00Whats left$0.00$0.00$0.00Tithe$0.00$0.00$0.00Total$0.00$0.00$0.00

OctoberIncomePlannedActualDiffExpensesPlannedActualDiffSalary #1$0.00$0.00$0.00Bill Electric$0.00$0.00$0.00Salary #2$0.00$0.00$0.00Bill Gas$0.00$0.00$0.00Other Income$0.00$0.00$0.00Bill Internet$0.00$0.00$0.00Total$0.00$0.00$0.00Bill Life Insurance$0.00$0.00$0.00Bill Phone$0.00$0.00$0.00CategoryAmountBill Water$0.00$0.00$0.00Clothes$0.00Car fees$0.00$0.00$0.00Gas$0.00Car Gasoline (Cash)$0.00$0.00$0.00Groceries$0.00Car insurance$0.00$0.00$0.00Household$0.00Car repairs$0.00$0.00$0.00Misc$0.00Clothes (Cash)$0.00$0.00$0.00Spending$0.00Debt Credit Card #1$0.00$0.00$0.00Total Cash$0.00Debt Credit Card #2$0.00$0.00$0.00Debt Student loan$0.00$0.00$0.00TotalsPlannedActualDiffGroceries (Cash)$0.00$0.00$0.00Income$0.00$0.00$0.00Household (Cash)$0.00$0.00$0.00Expenses$0.00$0.00$0.00House Mortgage$0.00$0.00$0.00Inc - Exp$0.00$0.00$0.00Medical Doctor bills$0.00$0.00$0.00Savings$0.00$0.00$0.00Misc (Cash)$0.00$0.00$0.00Credit card #1$0.00$0.00$0.00Necessities$0.00$0.00$0.00Credit card #2$0.00$0.00$0.00Pets$0.00$0.00$0.00Student loan$0.00$0.00$0.00Spending (Cash)$0.00$0.00$0.00Whats left$0.00$0.00$0.00Tithe$0.00$0.00$0.00Total$0.00$0.00$0.00

NovemberIncomePlannedActualDiffExpensesPlannedActualDiffSalary #1$0.00$0.00$0.00Bill Electric$0.00$0.00$0.00Salary #2$0.00$0.00$0.00Bill Gas$0.00$0.00$0.00Other Income$0.00$0.00$0.00Bill Internet$0.00$0.00$0.00Total$0.00$0.00$0.00Bill Life Insurance$0.00$0.00$0.00Bill Phone$0.00$0.00$0.00CategoryAmountBill Water$0.00$0.00$0.00Clothes$0.00Car fees$0.00$0.00$0.00Gas$0.00Car Gasoline (Cash)$0.00$0.00$0.00Groceries$0.00Car insurance$0.00$0.00$0.00Household$0.00Car repairs$0.00$0.00$0.00Misc$0.00Clothes (Cash)$0.00$0.00$0.00Spending$0.00Debt Credit Card #1$0.00$0.00$0.00Total Cash$0.00Debt Credit Card #2$0.00$0.00$0.00Debt Student loan$0.00$0.00$0.00TotalsPlannedActualDiffGroceries (Cash)$0.00$0.00$0.00Income$0.00$0.00$0.00Household (Cash)$0.00$0.00$0.00Expenses$0.00$0.00$0.00House Mortgage$0.00$0.00$0.00Inc - Exp$0.00$0.00$0.00Medical Doctor bills$0.00$0.00$0.00Savings$0.00$0.00$0.00Misc (Cash)$0.00$0.00$0.00Credit card #1$0.00$0.00$0.00Necessities$0.00$0.00$0.00Credit card #2$0.00$0.00$0.00Pets$0.00$0.00$0.00Student loan$0.00$0.00$0.00Spending (Cash)$0.00$0.00$0.00Whats left$0.00$0.00$0.00Tithe$0.00$0.00$0.00Total$0.00$0.00$0.00

DecemberIncomePlannedActualDiffExpensesPlannedActualDiffSalary #1$0.00$0.00$0.00Bill Electric$0.00$0.00$0.00Salary #2$0.00$0.00$0.00Bill Gas$0.00$0.00$0.00Other Income$0.00$0.00$0.00Bill Internet$0.00$0.00$0.00Total$0.00$0.00$0.00Bill Life Insurance$0.00$0.00$0.00Bill Phone$0.00$0.00$0.00CategoryAmountBill Water$0.00$0.00$0.00Clothes$0.00Car fees$0.00$0.00$0.00Gas$0.00Car Gasoline (Cash)$0.00$0.00$0.00Groceries$0.00Car insurance$0.00$0.00$0.00Household$0.00Car repairs$0.00$0.00$0.00Misc$0.00Clothes (Cash)$0.00$0.00$0.00Spending$0.00Debt Credit Card #1$0.00$0.00$0.00Total Cash$0.00Debt Credit Card #2$0.00$0.00$0.00Debt Student loan$0.00$0.00$0.00TotalsPlannedActualDiffGroceries (Cash)$0.00$0.00$0.00Income$0.00$0.00$0.00Household (Cash)$0.00$0.00$0.00Expenses$0.00$0.00$0.00House Mortgage$0.00$0.00$0.00Inc - Exp$0.00$0.00$0.00Medical Doctor bills$0.00$0.00$0.00Savings$0.00$0.00$0.00Misc (Cash)$0.00$0.00$0.00Credit card #1$0.00$0.00$0.00Necessities$0.00$0.00$0.00Credit card #2$0.00$0.00$0.00Pets$0.00$0.00$0.00Student loan$0.00$0.00$0.00Spending (Cash)$0.00$0.00$0.00Whats left$0.00$0.00$0.00Tithe$0.00$0.00$0.00Total$0.00$0.00$0.00

ExpensesExpensesPlannedBill Electric$0.00Bill Gas$0.00Bill Internet$0.00Months of expensesBill Life Insurance$0.001$0.00Bill Phone$0.002$0.00Bill Water$0.003$0.00Car fees$0.004$0.00Car Gasoline (Cash)$0.005$0.00Car insurance$0.006$0.00Car repairs$0.00Clothes (Cash)$0.00Debt Credit Card #1$0.00Debt Credit Card #2$0.00Debt Student loan$0.00Groceries (Cash)$0.00Household (Cash)$0.00House Mortgage$0.00Medical Doctor bills$0.00Misc (Cash)$0.00Necessities$0.00Pets$0.00Spending (Cash)$0.00Tithe$0.00Total$0.00

Fully Funded Emergency Fund is 3 - 6 months of expenses saved.This sheet calculates this for you.

Financial ProgressDateDebtMortgageAssetsImprovementMortgage paid down$13.00Aug 31", "2001-$20,000.00-$150,000.00$500.00$0.00Other debt paid down$2,428.00Dec 31", "2003-$19,699.00-$149,999.00$600.00$402.00Total debt paid down$2,441.00Jan 31", "2004-$19,596.00-$149,998.00$700.00$606.00Assets increased$1,201.00Feb 29", "2004-$19,394.00-$149,997.00$800.00$909.00Total Financial Improvement:$3,642.00Mar 31", "2004-$19,192.00-$149,996.00$900.00$1,212.00Apr 30", "2004-$18,990.00-$149,995.00$1,000.00$1,515.00May 31", "2004-$18,788.00-$149,994.00$1,100.00$1,818.00Jun 30", "2004-$18,586.00-$149,993.00$1,200.00$2,121.00Jul 31", "2004-$18,384.00-$149,992.00$1,300.00$2,424.00Aug 31", "2004-$18,182.00-$149,991.00$1,400.00$2,727.00Sep 30", "2004-$17,980.00-$149,990.00$1,500.00$3,030.00Oct 31", "2004-$17,778.00-$149,989.00$1,600.00$3,333.00Nov 30", "2004-$17,576.00-$149,988.00$1,700.00$3,636.00Dec 31", "2004-$17,572.00-$149,987.00$1,701.00$3,642.00StepGoalGoal DateProgressCompleteBS #1$1,000.00$1,020Dec 25", "2001BS #2$20,000.00$2,428.00BS #3$10,000.00$1,020BS #4BS #5-------BS #6-$150,000.00$13.00BS #7

&C&"Arial,Regular"&10&A&C&"Arial,Regular"&10Page &P

BS1DateBalanceCommentsCurrent balance:$1,020.00Aug 31", "2001$0.00StartNov 30", "2001$1,000.00FinishedDec 31", "2003$1,020.00Jan 31", "2004$1,021.00Feb 29", "2004$1,022.00Mar 31", "2004$1,023.00Apr 30", "2004$1,024.00May 31", "2004$1,025.00Jun 30", "2004$1,026.00Jul 31", "2004$1,027.00Aug 31", "2004$1,028.00Sep 30", "2004$1,029.00Oct 31", "2004$1,030.00Nov 30", "2004$1,031.00Dec 31", "2004$1,032.00


BS2DateCredit Card #1CC #2CC #3Student loanTotalCurrent:-$19,699.00Aug 31", "2001-$5,000.00-$5,000.00-$5,000.00-$5,000.00-$20,000.00StartDec 31", "2003-$4,900.00-$4,900.00-$4,999.00-$4,900.00-$19,699.00Jan 31", "2004-$4,800.00-$4,998.00-$4,998.00-$4,800.00-$19,596.00Feb 29", "2004-$4,700.00-$4,997.00-$4,997.00-$4,700.00-$19,394.00Mar 31", "2004-$4,600.00-$4,996.00-$4,996.00-$4,600.00-$19,192.00Apr 30", "2004-$4,500.00-$4,995.00-$4,995.00-$4,500.00-$18,990.00May 31", "2004-$4,400.00-$4,994.00-$4,994.00-$4,400.00-$18,788.00Jun 30", "2004-$4,300.00-$4,993.00-$4,993.00-$4,300.00-$18,586.00Jul 31", "2004-$4,200.00-$4,992.00-$4,992.00-$4,200.00-$18,384.00Aug 31", "2004-$4,100.00-$4,991.00-$4,991.00-$4,100.00-$18,182.00Sep 30", "2004-$4,000.00-$4,990.00-$4,990.00-$4,000.00-$17,980.00Oct 31", "2004-$3,900.00-$4,989.00-$4,989.00-$3,900.00-$17,778.00Nov 30", "2004-$3,800.00-$4,988.00-$4,988.00-$3,800.00-$17,576.00Dec 31", "2004-$3,799.00-$4,987.00-$4,987.00-$3,799.00-$17,572.00


BS3BS #3SavingsCommentsCurrent:$1,000.00Sept 1, 2005$300.00StartDec 25", "2001$1,000.00Dec 31", "2003$1,000.00this monthJan 31", "2004$1,000.00Feb 29", "2004$1,000.00Mar 31", "2004$1,000.00Apr 30", "2004$1,000.00May 31", "2004$1,000.00Jun 30", "2004$1,000.00Jul 31", "2004$1,000.00Aug 31", "2004$1,000.00Sep 30", "2004$1,000.00Oct 31", "2004$1,020.88Nov 30", "2004$1,021.00Dec 31", "2004$1,022.00


BS4BS #4Roth401kTotalCurrent:$2,202.00Sept 1, 2005$2,000.00$200.00$2,200.00StartDec 31", "2003$2,001.00$201.00$2,202.00Jan 31", "2004$2,002.00$202.00$2,204.00Feb 29", "2004$2,003.00$203.00$2,206.00Mar 31", "2004$2,004.00$204.00$2,208.00Apr 30", "2004$2,005.00$205.00$2,210.00May 31", "2004$2,006.00$206.00$2,212.00Jun 30", "2004$2,007.00$207.00$2,214.00Jul 31", "2004$2,008.00$208.00$2,216.00Aug 31", "2004$2,009.00$209.00$2,218.00Sep 30", "2004$2,010.00$210.00$2,220.00Oct 31", "2004$2,011.00$211.00$2,222.00Nov 30", "2004$2,012.00$212.00$2,224.00Dec 31", "2004$2,013.00$213.00$2,226.00


BS5BS #5AmountCommentsCurrent:$51Aug 31", "2001$50StartDec 31", "2003$51Jan 31", "2004$52Feb 29", "2004$53Mar 31", "2004$54Apr 30", "2004$55May 31", "2004$56Jun 30", "2004$57Jul 31", "2004$58Aug 31", "2004$59Sep 30", "2004$60Oct 31", "2004$61Nov 30", "2004$62Dec 31", "2004$63


BS6BS #6Remaining balanceCommentsCurrent:-$149,999.00Aug 31", "2001-$150,000.00StartDec 31", "2003-$149,999.00this monthJan 31", "2004-$149,998.00Feb 29", "2004-$149,997.00Mar 31", "2004-$149,996.00Apr 30", "2004-$149,995.00May 31", "2004-$149,994.00Jun 30", "2004-$149,993.00Jul 31", "2004-$149,992.00Aug 31", "2004-$149,991.00Sep 30", "2004-$149,990.00Oct 31", "2004-$149,989.00Nov 30", "2004-$149,988.00Dec 31", "2004-$149,987.00


BS7BS #7Build WealthGive it awayTotalCommentsCurrent:$25.00Sept 1, 2005$0.00$0.00$0.00StartDec 31", "2003$10.00$15.00$25.00this monthJan 31", "2004$11.00$16.00$27.00Feb 29", "2004$12.00$17.00$29.00Mar 31", "2004$13.00$18.00$31.00Apr 30", "2004$14.00$19.00$33.00May 31", "2004$15.00$20.00$35.00Jun 30", "2004$16.00$21.00$37.00Jul 31", "2004$17.00$22.00$39.00Aug 31", "2004$18.00$23.00$41.00Sep 30", "2004$19.00$24.00$43.00Oct 31", "2004$20.00$25.00$45.00Nov 30", "2004$21.00$26.00$47.00Dec 31", "2004$22.00$27.00$49.00


monthly cashflow plans v1.2

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