Vous êtes sur la page 1sur 69

Vertex42

Money Manager
INSTRUCTIONS

Intro
The Vertex42 Money Manager can be a very simple money management tool. Like most
spreadsheet applications, you should know that spreadsheets are error-prone. It is easy to
make mistakes, accidentally delete things that should not be deleted, forget to copy formulas,
etc. If you are comfortable using Excel, know how to identify and fix formulas when needed,
understand how to use basic row operations (delete, copy, inserted copied rows, etc.), are
okay with the level of risk you take on by using a spreadsheet, and follow the instructions
and guidelines, you should find this spreadsheet very useful.

General Tips
- Except for customizing the categories, you normally only edit cells with a gray border:
- Some of the labels include cell comments (marked with little red triangles) to provide
extra help information.
- You can add your own cell comments! This is especially useful in the Budget worksheet,
where you can create notes to explain irregular or variable expenses.
- If you see "#####" in a cell, widen the COLUMN to display the cell contents.
- This workbook uses a lot of conditional formatting. Look up "conditional formatting" in the
Excel help system (F1) if you want to know how it works.
- You can add a limited amount of security by password protecting your workbook, but that
can be easily bypassed by anyone with malicious intent. The security of your data is
your
responsibility.
- Backup your file regularly to avoid losing data! Excel files DO get corrupted occasionally.

Step 1Customize Categories (or don't)


The easiest way to get started is to just use the default set of budget categories.
If you need to make changes to the categories, make sure that you make corresponding
changes in ALL the other worksheets.
TIP: If you are going to customize the categories, it may be easier to start from the Budget
worksheet and then make sure that the Report and Categories worksheets correspond.
A. If you ADD or DELETE Categories, make sure that you use row operations (copying or
deleting entire rows) to help ensure that all formulas are copied correctly. Always insert
new rows between the first and last item in the category. If you insert a row immediately
above the "Total" or "Subtotal" row, formulas will not stretch to include the row you inserted.
B. Category names in all the worksheets must match exactly. Conditional formatting is used
to highlight the category names if the categories are not found in the Categories worksheet.
C. No Duplicate Category Names
Using duplicate category names like "Other" will result in errors, but you may not easily
notice the errors. Make sure that each category is UNIQUE.
D. Do Not Remove or Add Major Categories
If you add or remove major categories (like Housing, Food, Health, etc.), many formulas
will need to be updated and it is very likely you'll miss something and end up introducing
errors. Try to use the default set of categories or RENAME the categories, but avoid adding
or removing the major categories.

Step 2Define Your List of Accounts


List the accounts that you want to include in the Transaction History worksheet in the
list to the right. This list will be used to populate the dropdown box in the Accounts column
of the Transactions worksheet.
TIP: If you start each account name with a different letter, Excel's autocomplete feature
will make entering the account much faster for you.

To add more accounts, insert rows above this line.

Step 3Define your Yearly Budget


Define your budget using the Budget worksheet. Edit only the cells with the gray outline.
See Vertex42.com and the blog Vertex42Blog.com for tips on budgeting.

- For a Financial Year that does not start in January: Before entering your yearly budget,
go to the Report worksheet and enter the "Year Begins" date. This will update the month
labels in the Budget worksheet.
- You can copy and paste the input cells within the Budget worksheet as needed. For exam
enter an average fuel cost in January, then copy the value to other months.
- Use formulas to do basic calculations like "=245/6" to divide 245 by 6 or "=34*2" to multipy
34 by 2, or "=34+12+45" to add a bunch of numbers. Formulas are entered using the
equals "=" sign.

Step 4Record Transactions


The Transactions worksheet lets you record transactions for multiple accounts. Think of a
PAYMENT as money leaving the account and a DEPOSIT as money entering the account.
Examples of different types of transactions are given below.

IMPORTANT: You must copy and paste entire rows when adding new rows, to ensure that all
the formatting, data validation, and formulas get copied correctly.
THE MOST COMMON ERROR is inserting a new row and forgetting to copy formulas,
especially the hidden formulas in columns J-L.
When you insert a blank row, some formatting is copied from the row above it automatically,
but formulas and data validation are not copied. Remember: COPY - PASTE - EDIT

Use the screenshot below as a guide for how to enter transactions.

Num: This column is usually used to list the check number, but you can also use it to enter
"DEP" for deposit, "TXFR" for transfer, "EFT" for electronic funds transfer, "ACH" for
Automated Clearing House transactions, etc.
Category: The Category field is essential to the functionality of this workbook. The Category
is a dropdown list that gets its info from the Categories worksheet.

The Category column uses conditional formatting to highlight the category PINK if the
category is not found in the Categories worksheet, BROWN if the category is not found
the Yearly or Monthly worksheet, and GRAY if the category is blank, [Transfer], or [Bal
If the formatting isn't copied correctly, you'll lose this double-check feature. So again, t
spreadsheet is not error-proof.

IMPORTANT: If you have chosen a category such as "Ted's Fund" and then later remove
"Ted's Fund" from the list in the Categories worksheet, it will not be changed in the Transactions
table automatically. You will need to make sure that you find all the records that have used
"Ted's Fund" as the Category and change them to something else.

Step 4-0: Delete the Sample Rows

Step 4-1: Enter the beginning balance(s):


The Beginning Balance on JANUARY 1st for each account should be the first lines in the
register. If an account has a Negative balance (like a Credit Card), enter the balance as a
Positive value in the PAYMENT column. If an account has a Positive balance, enter the balance
as a Positive value in the DEPOSIT column. Use the Account Balance column to compare to
the balance shown on your bank or credit card statements.

Step 4-2: Add New Transactions:


You will probably find that the fastest way to add new transactions is copy and paste similar
previous transactions. You can select one or more rows, copy them, and then paste them
below the last transaction. Then, you just need to edit the cells that need to be changed.

TIP: Always leave the last row in the table BLANK so that you can easily add new rows. To
add new rows, select the last row of the table (row 57 in the image below) and drag the fill
handle down to copy the row down to create as many new rows as you need.
Fill Handle

Recording a SPLIT Transaction


If a single transaction needs to be allocated to multiple budget categories, you need to create
a SPLIT transaction. You can do this by splitting the transaction into multiple transactions -
one for each category. You can use the MEMO field to indicate that the transaction is a "Split".

ACCOUNT DATE NUM PAYEE MEMO CATEGORY PAYMENT


Checking 1/1/10 2032 Target Split Clothing 23.10
Checking 1/1/10 2032 Target Split Groceries 45.15
Checking 1/1/10 2032 Target Split Supplies 25.04

Tip: If you want to verify the total amount of the split transaction, you can do a quick
calculation off to the side of the table using an Excel formula, like "=SUM(H13:H15)"
Recording a [Transfer] Between Spending Accounts
Record a transfer by listing two transactions (one PAYMENT, one DEPOSIT) to offset each other.
Choose "[Transfer]" as the Category for both transactions. For example, a $250 credit card
payment would be recorded as a transfer FROM your checking TO your credit card account:

ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT


CreditCard 1/1/10 TXFR [From Checking] [Transfer] 150.00
Checking 1/1/10 TXFR [To CreditCard] [Transfer] 150.00

NOTE: The above example assumes that the "payment" to your Credit Card is to pay off the
charges that you have already recorded earlier in the Transaction History table for the
CreditCard account. If you are NOT recording individual CreditCard transactions using the
Transactions worksheet, or part of the $150.00 was to pay down an outstanding debt, then a
credit card payment would look like one of the following, where "Credit Card #1" is a category
under Obligations.

Example 1: Not using Credit Card #1 any more, but still owe money on it.
ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT
Checking 1/1/10 Credit Card Credit Card #1 150.00

Example 2: A portion of a credit card payment used to pay down $25.00 of outstanding debt.
ACCOUNT DATE NUM PAYEE MEMO CATEGORY PAYMENT DEPOSIT
CreditCard 1/1/10 TXFR [From Checking] [Transfer] 150.00
Checking 1/1/10 TXFR [To CreditCard] Split [Transfer] 125.00
Checking 1/1/10 TXFR [To CreditCard] Split Credit Card #1 25.00

Recording a [Transfer] To SAVINGS


When budgeting, you treat a transfer to Savings as an expense. You'll notice in the Budget
worksheet that there are multiple savings goals listed as sub-categories under the main
"To Savings" category. Instead of just throwing money into Savings, you should allocate the
money to specific savings goals based on percentages. For example, 50% to your Emergency
Fund, 25% to Retirement, etc. You do this by recording the transfer as a SPLIT transaction:
In the example below, the CATEGORY for the Savings account transaction is "[Transfer]"
while the CATEGORY for the Checking account transaction(s) are budget sub-categories.

ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT


Savings 1/1/10 TXFR [From Checking] [Transfer] 200.00
Checking 1/1/10 TXFR [To Savings] Emergency Fund 100.00
Checking 1/1/10 TXFR [To Savings] Retirement 50.00
Checking 1/1/10 TXFR [To Savings] College Fund 50.00
Recording a Return or Refund
A very common approach for recording returns or refunds is to record them as a negative
expense. As an example, let's say you purchased a blender from a department store and
allocated the payment to your "Appliances" category. After returning the blender, the store
credits your card. Instead of entering the credit as a deposit, enter the amount as a negative
payment as shown below. Doing this will credit the correct budget category instead of
treating the return as income.

Original Transaction:
ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT
CreditCard 1/1/10 The Big Store Appliances 50.00

Recording the Return:


ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT
CreditCard 1/5/10 The Big Store Appliances -50.00

Budgeting for Large Variable Expenses


For large payments that are made once every few months or once a year, it is common to
estimate a monthly budget amount and transfer the monthly amount into a temporary
savings account, so that you have enough money available when you need to pay the bill.
If you are recording those transfers to savings each month as an expense, then what do
you do when it comes time to pay the bill?

One approach is to first transfer the amount saved from Savings to Checking, recording the
transfer as a credit to the expense category. Then, record the actual payment like normal.

1. Record the Transfer from Savings to Checking as a Credit to the Expense Category
ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT
Savings 6/1/14 TXFR [To Checking] [Transfer] 200.00
Checking 6/1/14 TXFR [From Savings] Insurance 200.00

2. Recording the Actual Insurance Payment:


ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT
Checking 6/1/14 1023 ABC Insurance Insurance 198.00

In the above example, the actual payment of 198.00 was lower than what was previously
total expense of 200.00, so you could end up seeing a value of -2.00 in the Actual column
of the report worksheet. This is similar to what you might see if you received a refund or
return for something you paid in a previous month.
Step 4-3: Record "Cleared" Transactions.
When you see that charges have been processed or "cleared" by your bank, you should
enter a "c" in the reconcile (R) column for that transaction.

The Cleared Balance in the transaction history table shows the Account balance for the
transactions marked "R" for reconciled or "c" for cleared. This allows you to compare the
Cleared Balance with the current balance shown on your bank statements.

The Account Balance reflects your actual or effective balance and is the one you should be
looking at to stay on budget. The Cleared Balance is for comparing to your bank and credit
card statements. For example, when you write a check to a friend, it won't show up in your
bank account until they cash it. You should record the transaction immediately, to help you
stay on budget, but until the check shows up on your bank statement, your Cleared Balance
will be different from the Account Balance (until you enter a "c" or "R" in the reconcile column).

Step 4-4: Reconcile Your Accounts


You should reconcile your accounts at least one a month. Reconciling is also commonly known
as "balancing your checkbook".
A. Get your bank and credit card statements
B. Review your statements for errors and fraudulent charges
C. Your statements may include ATM fees, bank fees, or other transactions that you forget
to include in the Transactions worksheet. Add them.
D. Verify that the Cleared Balance (as of the Ending Statement Date) in the Transactions
worksheet matches the Statement Balance.
E. Enter an "R" in the reconcile (R) column for every transaction that shows up on your
bank statement.

TIP: If you are familiar with using Excel lists or tables, you can use autofiltering to filter the
transaction history table to show a single account at a time.

Step 4-5: Check Formulas


If you ever have reason to suspect that you forgot to copy formulas, you should UNHIDE
columns J-L and copy the formulas down.

Step 5Track Your Progress


A very important part of good money management is keeping track of how your current
spending compares to your budget. You might check your budget status on a weekly or even
daily basis, but you should at least manage your money on a monthly basis.
Use the Report worksheet to compare your budget to your actual spending throughout
the month. Change the month by entering the month number (1 for Jan., 2 for Feb., etc.).

The Report pulls the budget info from the Budget worksheet and the actual spending from
the Transactions worksheet, so you can view the report at any time during the month and
see how much you have left (or how much you have overspent) in each category.

IMPORTANT: If the Report worksheet does not appear to be pulling information from the
Transactions worksheet, please see Step 4-5 above (Check Formulas).
2010 Vertex42 LLC
HELP >> Excel Tips

nt tool. Like most


one. It is easy to
t to copy formulas,
as when needed,
rows, etc.), are
he instructions

Input Cell This is an example


comment.

Label
et worksheet,

matting" in the

kbook, but that

corrupted occasionally.

categories.

to start from the Budget


correspond.
tions (copying or
lways insert
immediately
ow you inserted.
matting is used
gories worksheet.
ay not easily

any formulas
up introducing
but avoid adding

autocomplete feature
** ACCOUNTS **
Barclaycard Arrival Plus
JOINT CHK
CHECKING
JOEL'S PLATINUM CARD
JOEL'S CUSTOM MANAGEMENT RM
PERSONAL LINE OF CREDIT
[End of List]

How to Budget: Budgeting Tips


Vertex42 Blog: Budgeting

yearly budget,

heet as needed. For example,

6 or "=34*2" to multipy

unts. Think of a
entering the account.

ows, to ensure that all

ve it automatically,

can also use it to enter

orkbook. The Category

[Transfer] : Normal background color to identify Transfers


[Balance] : Normal background color to identify Beginning Balance
Blah Blah : Category not found in the Categories worksheet
Blah Blah : Category not found in the Budget or Report worksheets

d then later remove


d in the Transactions
that have used

rst lines in the


e balance as a
ce, enter the balance
mn to compare to

and paste similar


then paste them
o be changed.

easily add new rows. To


and drag the fill

you need to create


tiple transactions -
nsaction is a "Split".

you can do a quick


T) to offset each other.
$250 credit card
edit card account:

NT DEPOSIT
150.00

edit Card is to pay off the

ctions using the


nding debt, then a
d #1" is a category

anding debt.
PAYMENT DEPOSIT
150.00
125.00
#1 25.00

u'll notice in the Budget


der the main
ould allocate the
to your Emergency
PLIT transaction:
is "[Transfer]"
sub-categories.

ENT DEPOSIT
200.00
m as a negative
ment store and
ender, the store
unt as a negative

NT DEPOSIT

NT DEPOSIT

t is common to

d to pay the bill.


then what do

ng, recording the


ent like normal.

ENT DEPOSIT

200.00

ENT DEPOSIT

was previously
Actual column
d a refund or
k, you should

t balance for the


o compare the

s the one you should be


bank and credit
show up in your
tely, to help you
Cleared Balance
e reconcile column).

so commonly known

that you forget

e Transactions

s up on your

autofiltering to filter the

hould UNHIDE

how your current


on a weekly or even
ding throughout
for Feb., etc.).

spending from
the month and

nformation from the


Yearly Budget Planner
HELP 1425 1765
2175 1500 625 3125 4625 2860
Starting Balance
Total Income 7,600 7,600 7,600 7,600 7,600 7,600 7,600 7,600 7,600 7,600
Total Expenses 7,416 7,416 7,416 7,416 7,416 7,416 7,416 7,416 7,416 7,416
NET (Income - Expenses) 184 184 184 184 184 184 184 184 184 184
Projected End Balance 184 367 551 735 918 1,102 1,286 1,469 1,653 1,837

Jan Feb Mar Apr May Jun Jul Aug Sep Oct

INCOME
Wages & Tips
Total INCOME 7,600 7,600 7,600 7,600 7,600 7,600 7,600 7,600 7,600 7,600

TO SAVINGS
Emergency Fund 200 200 200 200 200 200 200 200 200 200
Retirement Fund
College Fund
SAVINGS -Other 600 600 600 600 600 600 600 600 600 600
Total TO SAVINGS 800
% of Income 10.5%

HOUSING
Mortgage & Rent 1,675 1,675 1,675 1,675 1,675 1,675 1,675 1,675 1,675 1,675
Improvements
Total HOUSING 1,675 1,675 1,675 1,675 1,675 1,675 1,675 1,675 1,675 1,675
% of Income 22.0% 22.0% 22.0% 22.0% 22.0% 22.0% 22.0% 22.0% 22.0% 22.0%

UTILITIES
Electric Bill 175 175 175 175 175 175 175 175 175 175
Water 60 60 60 60 60 60 60 60 60 60
Sewer/Trash 53 53 53 53 53 53 53 53 53 53
Mobile Phone 200 200 200 200 200 200 200 200 200 200
Internet 65 65 65 65 65 65 65 65 65 65
Total UTILITIES 553 553 553 553 553 553 553 553 553 553
% of Income 7.3% 7.3% 7.3% 7.3% 7.3% 7.3% 7.3% 7.3% 7.3% 7.3%

FOOD
Groceries 1,100 1,100 1,100 1,100 1,100 1,100 1,100 1,100 1,100 1,100
Dining/Eating Out
Pet Food
FOOD - Other
Total FOOD 1,100 1,100 1,100 1,100 1,100 1,100 1,100 1,100 1,100 1,100
% of Income 14.5% 14.5% 14.5% 14.5% 14.5% 14.5% 14.5% 14.5% 14.5% 14.5%
TRANSPORTATION
Vehicle Payments
Auto Insurance 155 155 155 155 155 155 155 155 155 155
Fuel 350 350 350 350 350 350 350 350 350 350
Repairs/Tires
Registration/License
TRANSPORTATION - Other
Total TRANSPORTATION 505
% of Income 6.6%

HEALTH
Health Insurance
Disability Insurance 82 82 82 82 82 82 82 82 82 82
Doctor/Dentist/Optometrist
Medicine/Drugs
Health Club Dues 55 55 55 55 55 55 55 55 55 55
Physical Therapy
Veterinarian/Pet Care
HEALTH - Other joel
Total HEALTH 137 137 137 137 137 137 137 137 137 137
% of Income 1.8% 1.8% 1.8% 1.8% 1.8% 1.8% 1.8% 1.8% 1.8% 1.8%

DAILY LIVING
Personal Care
DAILY LIVING - Other
Total DAILY LIVING
% of Income

CHILDREN
Children:College 150 150 150 150 150 150 150 150 150 150
michelle and purple door 905 905 905 905 905 905 905 905 905 905
Swimming 96 96 96 96 96 96 96 96 96 96
Toys/Games
CHILDREN - Speech therapy
Total CHILDREN 1,161 1,161 1,161 1,161 1,161 1,161 1,161 1,161 1,161 1,161
% of Income 15.3% 15.3% 15.3% 15.3% 15.3% 15.3% 15.3% 15.3% 15.3% 15.3%

OBLIGATIONS

Credit cards (floor coach fridge, z 393 393 393 393 393 393 393 393 393 393
Student 842 842 842 842 842 842 842 842 842 842
Credit Card #1
Total OBLIGATIONS 1,235 1,235 1,235 1,235 1,235 1,235 1,235 1,235 1,235 1,235
% of Income 16.3% 16.3% 16.3% 16.3% 16.3% 16.3% 16.3% 16.3% 16.3% 16.3%
BUSINESS EXPENSE
BUSINESS - Other
Total BUSINESS EXPENSE
% of Income

ENTERTAINMENT
Vacation/Travel
ENTERTAINMENT - Other 10 10 10 10 10 10 10 10 10 10
Total ENTERTAINMENT 10 10 10 10 10 10 10 10 10 10
% of Income 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1%

MISCELLANEOUS
Bank Fees
ski pass
Lulu 240 240 240 240 240 240 240 240 240 240
Total MISCELLANEOUS 240 240 240 240 240 240 240 240 240 240
% of Income 3.2% 3.2% 3.2% 3.2% 3.2% 3.2% 3.2% 3.2% 3.2% 3.2%
7,600 7,416
2010 Vertex42 LLC
4860 1620
[42] Total Avg
7,600 7,600 91,200 7,600 91200
7,416 7,416 88,996 7,416
184 184 2,204 184
2,020 2,204

Monthly
Nov Dec Total Average

category amount
Total TO SAVINGS 0.88%
7,600 7,600 91,200 7,600 Total HOUSING 22.04%
Total UTILITIES 7.28%
Total FOOD 14.47%
200 200 2,400 200 Total TRANSPORTATI 0.55%
Total HEALTH 1.80%
Total DAILY LIVING
600 600 7,200 600 Total CHILDREN 15.28%
800 67 Total OBLIGATIONS 16.25%
0.9% 0.9% Total BUSINESS EXPEN
Total ENTERTAINMEN 0.13%
Total MISCELLANEOUS 3.16%
1,675 1,675 20,100 1,675

1,675 1,675 20,100 1,675


22.0% 22.0% 22.0% 22.0%

Total TO SAVINGS
175 175 2,100 175
60 60 720 60
53 53 640 53
200 200 2,400 200 Total HOUSING
65 65 780 65 Total FOOD
553 553 6,640 553 Total HEALTH
7.3% 7.3% 7.3% 7.3% Total CHILDREN
Total BUSINESS E

1,100 1,100 13,200 1,100

Total ENTERTAINM
1,100 1,100 13,200 1,100
14.5% 14.5% 14.5% 14.5%
Total ENTERTAINM

155 155 1,860 155


350 350 4,200 350 40
100
50
20
505 42 447.5
0.6% 0.6% 50
1246
8520
8520
82 82 984 82 582.2
350
54.45
55 55 660 55 132.45
10.5
20123.1

137 137 1,644 137


1.8% 1.8% 1.8% 1.8% 0.5 6 3
02/03/17

150 150 1,800 150


905 905
96 96 1,152 96

1,161 1,161 13,932 1,161


15.3% 15.3% 15.3% 15.3%

393 393 4,716 393


842 842 10,104 842

1,235 1,235 14,820 1,235


16.3% 16.3% 16.3% 16.3%
10 10 120 10
10 10 120 10
0.1% 0.1% 0.1% 0.1%

240 240 2,880


240 240 2,880
3.2% 3.2% 3.2%
Total TO SAVINGS

Total HOUSING Total UTILITIES


Total FOOD Total TRANSPORTATION
Total HEALTH Total DAILY LIVING
Total CHILDREN Total OBLIGATIONS
Total BUSINESS EXPENSE

Total ENTERTAINMENT Total MISCELLANEOUS


Total ENTERTAINMENT Total MISCELLANEOUS
Transaction History
HELP

Account Date Num Payee

JOINT CHK 7/11/2014 Department Ed Line


JOINT CHK 7/18/2014 Quicken Loans
JOINT CHK 7/7/2014 Quicken Loans
JOINT CHK 7/14/2014 Wells Fargo Deal
CHECKING 7/10/2014 Costco
CHECKING 7/16/2014 Costco
Barclaycard Arrival Plus 7/19/2014 AT&T
JOINT CHK 7/11/2014 Nv Energy Line
CHECKING 7/25/2014 Geico
Barclaycard Arrival Plus 7/3/2014 Home Depot
Barclaycard Arrival Plus 7/15/2014 Nicole Olivero
JOINT CHK 7/14/2014 Saint Marys Regi
Barclaycard Arrival Plus 7/9/2014 Amazon
Barclaycard Arrival Plus 7/2/2014 Trader Joe's
JOEL'S CUSTOM MANAGEMENT RM 7/7/2014 Costco
CHECKING 7/14/2014 Great Lakes Student
JOINT CHK 7/7/2014 Trustmark Ins Prem
Barclaycard Arrival Plus 7/3/2014 Home Depot
Barclaycard Arrival Plus 7/12/2014 7-Eleven
Barclaycard Arrival Plus 7/23/2014 Safeway Fuel
JOINT CHK 7/11/2014 Discover Se Line
Barclaycard Arrival Plus 7/10/2014 Silver Bear Swim
JOINT CHK 7/14/2014 Truckee Meadows Line
JOINT CHK 7/11/2014 Chase Servi Line
Barclaycard Arrival Plus 7/24/2014 Babies "R" Us
JOINT CHK 7/14/2014 Wells Fargo Educ
Barclaycard Arrival Plus 7/19/2014 Wal-Mart
Barclaycard Arrival Plus 7/15/2014 Casa Grande
CHECKING 7/24/2014 Arco
CHECKING 7/24/2014 ATM Withdrawal Keystone
Barclaycard Arrival Plus 7/22/2014 After Hours
Barclaycard Arrival Plus 7/13/2014 Wal-Mart
CHECKING 7/9/2014 Arco
Barclaycard Arrival Plus 7/6/2014 Wal-Mart
Barclaycard Arrival Plus 7/24/2014 Trader Joe's
Barclaycard Arrival Plus 7/22/2014 Barbieri Manual Physic
Barclaycard Arrival Plus 7/19/2014 Regal Nails
Barclaycard Arrival Plus 7/15/2014 Barbieri Manual Physic
Barclaycard Arrival Plus 7/8/2014 Barbieri Manual Physic
Barclaycard Arrival Plus 7/1/2014 Barbieri Manual Physic
Barclaycard Arrival Plus 7/22/2014 Target
JOINT CHK 7/11/2014 Home Depot
Barclaycard Arrival Plus 7/1/2014 Baskin Q
Barclaycard Arrival Plus 7/9/2014 Sierra Car Care
Barclaycard Arrival Plus 7/19/2014 Wal-Mart
Barclaycard Arrival Plus 7/10/2014 Raley's
JOINT CHK 7/28/2014 Charter Communications
Barclaycard Arrival Plus 7/20/2014 Raley's
JOEL'S CUSTOM MANAGEMENT RM 7/28/2014 24 Hour Fitness
Barclaycard Arrival Plus 7/25/2014 USPS
Barclaycard Arrival Plus 7/12/2014 Home Depot
Barclaycard Arrival Plus 7/22/2014 Subway
Barclaycard Arrival Plus 7/9/2014 Qdoba Mexican Grill
CHECKING 7/24/2014 Netflix
Barclaycard Arrival Plus 7/21/2014 Great Basin Brewing
Barclaycard Arrival Plus 7/1/2014 Panda Express
Barclaycard Arrival Plus 7/24/2014 Burger King
Barclaycard Arrival Plus 7/24/2014 Burger King
Barclaycard Arrival Plus 7/3/2014 Office Depot
Barclaycard Arrival Plus 7/5/2014 Markleeville Gen
Barclaycard Arrival Plus 7/14/2014 Starbucks
Barclaycard Arrival Plus 7/3/2014 GOODWILL
Barclaycard Arrival Plus 7/11/2014 All About Cars
Barclaycard Arrival Plus 7/7/2014 Raley's
Barclaycard Arrival Plus 7/2/2014 Starbucks
Barclaycard Arrival Plus 7/12/2014 Raley's
Barclaycard Arrival Plus 7/26/2014 Goodwill Industries
Barclaycard Arrival Plus 7/11/2014 Jimboys Tacos
Barclaycard Arrival Plus 7/22/2014 Circle K
Barclaycard Arrival Plus 7/20/2014 McDonald's
Barclaycard Arrival Plus 7/9/2014 McDonald's
JOEL'S PLATINUM CARD 7/17/2014 Expand With Description
JOEL'S PLATINUM CARD 7/17/2014 Expand With Description
Barclaycard Arrival Plus 7/18/2014 GOODWILL
Barclaycard Arrival Plus 7/12/2014 Futura Car Wash
Barclaycard Arrival Plus 7/12/2014 McDonald's
Barclaycard Arrival Plus 7/3/2014 7-Eleven
Barclaycard Arrival Plus 7/16/2014 McDonald's
Barclaycard Arrival Plus 7/15/2014 Starbucks
JOEL'S PLATINUM CARD 7/23/2014 McDonald's
Barclaycard Arrival Plus 7/21/2014 McDonald's
Barclaycard Arrival Plus 7/9/2014 McDonald's
PERSONAL LINE OF CREDIT 7/7/2014 Interest Charged Advances
When you come to the end of the table, add more rows by copying the last row to ensure that formulas get copied
Category R PAYMENT DEPOSIT Amounts Cleared
for Report Payment

Student Loan 676 $(676.00) (676.00)


Mortgage & Rent 622.66 $(622.66) (622.66)
Mortgage & Rent 622.65 $(622.65) (622.65)
Vehicle Payments 410 $(410.00) (410.00)
Groceries 216.01 $(216.01) (216.01)
Groceries 182.04 $(182.04) (182.04)
Mobile Phone 175.24 $(175.24) (175.24)
Electric Bill 175 $(175.00) (175.00)
Auto Insurance 153.07 $(153.07) (153.07)
Improvements 138.66 $(138.66) (138.66)
Personal Care 135 $(135.00) (135.00)
HEALTH - Other 129 $(129.00) (129.00)
Misc Expenses 112.22 $(112.22) (112.22)
Groceries 111.09 $(111.09) (111.09)
Groceries 104.96 $(104.96) (104.96)
Student Loan 92.22 $(92.22) (92.22)
Disability Insurance 81.25 $(81.25) (81.25)
Improvements 78.97 $(78.97) (78.97)
Fuel 73.02 $(73.02) (73.02)
Fuel 71.68 $(71.68) (71.68)
Credit Card #1 70 $(71.68) (71.68)
Swimming 67.5 $(70.00) (70.00)
Water/Sewer/Trash 65 $(67.50) (67.50)
Credit Card #1 65 $(65.00) (65.00)
Children:Clothing 54.21 $(65.00) (65.00)
Student Loan 50 $(54.21) (54.21)
Groceries 47.05 $(50.00) (50.00)
Dining/Eating Out 43.63 $(47.05) (47.05)
Fuel 42.81 $(43.63) (43.63)
Misc Expenses 40 $(42.81) (42.81)
Clothing 40 $(40.00) (40.00)
Groceries 37.23 $(40.00) (40.00)
Fuel 34.83 $(37.23) (37.23)
Groceries 33.53 $(34.83) (34.83)
Groceries 31.13 $(33.53) (33.53)
Physical Therapy 30 $(31.13) (31.13)
Misc Expenses 30 $(30.00) (30.00)
Physical Therapy 30 $(30.00) (30.00)
Physical Therapy 30 $(30.00) (30.00)
Physical Therapy 30 $(30.00) (30.00)
Misc Expenses 29.1 $(30.00) (30.00)
Credit Card #1 25 $(29.10) (29.10)
Dining/Eating Out 23.58 $(25.00) (25.00)
Fuel 20.41 $(23.58) (23.58)
Groceries 16.59 $(20.41) (20.41)
Groceries 16.41 $(16.59) (16.59)
Internet 14.71 $(16.41) (16.41)
Groceries 12.51 $(14.71) (14.71)
Health Club Dues 12.41 $(12.51) (12.51)
Misc Expenses 10.89 $(12.41) (12.41)
Improvements 9.69 $(10.89) (10.89)
Dining/Eating Out 9.43 $(9.69) (9.69)
Dining/Eating Out 8.26 $(9.43) (9.43)
ENTERTAINMENT - Other 7.99 $(8.26) (8.26)
Dining/Eating Out 7.46 $(7.99) (7.99)
Dining/Eating Out 7.1 $(7.46) (7.46)
Dining/Eating Out 6.88 $(7.10) (7.10)
Dining/Eating Out 6.88 $(6.88) (6.88)
Misc Expenses 6.44 $(6.88) (6.88)
Misc Expenses 6.36 $(6.44) (6.44)
Dining/Eating Out 5.12 $(6.36) (6.36)
Toys/Games 4.98 $(5.12) (5.12)
Repairs/Tires 4.9 $(4.98) (4.98)
Groceries 4.63 $(4.90) (4.90)
Dining/Eating Out 4.47 $(4.63) (4.63)
Groceries 4.26 $(4.47) (4.47)
Toys/Games 3.87 $(4.26) (4.26)
Dining/Eating Out 3.43 $(3.43) (3.43)
Fuel 3.28 $(3.28) (3.28)
Dining/Eating Out 3.22 $(3.22) (3.22)
Dining/Eating Out 3.22 $(3.22) (3.22)
Dining/Eating Out 3.03 $(3.03) (3.03)
Misc Expenses 3.03 $(3.03) (3.03)
Toys/Games 2.98 $(2.98) (2.98)
Repairs/Tires 2.77 $(2.77) (2.77)
Dining/Eating Out 2.36 $(2.36) (2.36)
Dining/Eating Out 2.19 $(2.19) (2.19)
Dining/Eating Out 2.15 $(2.15) (2.15)
Dining/Eating Out 1.89 $(1.89) (1.89)
Dining/Eating Out 1.08 $(1.08) (1.08)
Dining/Eating Out 1.08 $(1.08) (1.08)
Dining/Eating Out 1.08 $(1.08) (1.08)
Credit Card #1 0.11 $(0.11) (0.11)
$(5,627.70) (5,627.70)

-5627.7 (5,627.70)
row to ensure that formulas get copied.
Instructions
2010 Vertex42 LLC See the Help worksheet for a detailed
set of instructions and examples.
Cleared Account Cleared BALANCE
Deposit Balance Balance

676.00 676.00
1,298.66 1,298.66
1,921.31 1,921.31
2,331.31 2,331.31
216.01 2,547.32
398.05 2,729.36
175.24 2,904.60
2,506.31 3,079.60
551.12 3,232.67
313.90 3,371.33
448.90 3,506.33
2,635.31 3,635.33
561.12 3,747.55
672.21 3,858.64
104.96 3,963.60
643.34 4,055.82
2,716.56 4,137.07
751.18 4,216.04
824.20 4,289.06
895.88 4,360.74
2,788.24 4,432.42
965.88 4,502.42
2,855.74 4,569.92
2,920.74 4,634.92
1,030.88 4,699.92
2,974.95 4,754.13
1,080.88 4,804.13
1,127.93 4,851.18
686.97 4,894.81
729.78 4,937.62
1,167.93 4,977.62
1,207.93 5,017.62
767.01 5,054.85
1,242.76 5,089.68
1,276.29 5,123.21
1,307.42 5,154.34
1,337.42 5,184.34
1,367.42 5,214.34
1,397.42 5,244.34
1,427.42 5,274.34
1,457.42 5,304.34
3,004.05 5,333.44
1,482.42 5,358.44
1,506.00 5,382.02
1,526.41 5,402.43
1,543.00 5,419.02
3,020.46 5,435.43
1,557.71 5,450.14
117.47 5,462.65
1,570.12 5,475.06
1,581.01 5,485.95
1,590.70 5,495.64
1,600.13 5,505.07
775.27 5,513.33
1,608.12 5,521.32
1,615.58 5,528.78
1,622.68 5,535.88
1,629.56 5,542.76
1,636.44 5,549.64
1,642.88 5,556.08
1,649.24 5,562.44
1,654.36 5,567.56
1,659.34 5,572.54
1,664.24 5,577.44
1,668.87 5,582.07
1,673.34 5,586.54
1,677.60 5,590.80
1,681.03 5,594.23
1,684.31 5,597.51
1,687.53 5,600.73
1,690.75 5,603.95
3.03 5,606.98
6.06 5,610.01
1,693.73 5,612.99
1,696.50 5,615.76
1,698.86 5,618.12
1,701.05 5,620.31
1,703.20 5,622.46
1,705.09 5,624.35
7.14 5,625.43
1,706.17 5,626.51
1,707.25 5,627.59
0.11 5,627.70
5,627.70 11,255.40
5,627.70 11,255.40
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
11,255.40 16,883.10
Monthly Budget Report
HELP

Year Begins: 1/1/2015 Begin: 1/1/15


Month: 1 End: 1/31/15

BUDGET SUMMARY
Budget Actual Difference
Total Income
Total Expenses #N/A 5,560.20 #N/A

NET #N/A (5,560.20) #N/A

Budget
Actual
Total Income

Total Expenses

NET

-10000 -5000 0 5000 10000

INCOME Budget Actual Difference


Wages & Tips
INCOME-Other
Total INCOME

TO SAVINGS Budget Actual Difference


Emergency Fund 200.00 (200.00)
Retirement Fund
College Fund
SAVINGS -Other 600.00 (600.00)
Total TO SAVINGS 800.00 (800.00)
% of Income - -
CHARITY/GIFTS Budget Actual Difference
Tithing
Gifts
Christmas
CHARITY - Other
Total CHARITY/GIFTS
% of Income - -
HOUSING Budget Actual Difference
Mortgage & Rent 1,675.00 1,245.31 429.69
Lawn/Garden
Maintenance/Supplies
Improvements 228.52 (228.52)
HOUSING - Other
Total HOUSING 1,675.00 1,473.83 201.17
% of Income - -
UTILITIES Budget Actual Difference
Electric Bill 175.00 175.00
Water 60.00 53.33
Sewer/Trash 53.33 53.33
Mobile Phone 200.00 175.24 24.76
Internet 65.00 16.41 48.59
UTILITIES - Other
Total UTILITIES 553.33 366.65 186.68
% of Income - -
FOOD Budget Actual Difference
Groceries 1,100.00 833.54 266.46
Dining/Eating Out 156.32 (156.32)
Pet Food
FOOD - Other
Total FOOD 1,100.00 989.86 110.14
% of Income - -
TRANSPORTATION Budget Actual Difference
Vehicle Payments 410.00 (410.00)
Auto Insurance 155.00 153.07 1.93
Fuel 350.00 252.42 97.58
Repairs/Tires 7.75 (7.75)
Registration/License
TRANSPORTATION - Other
Total TRANSPORTATION 505.00 823.24 (318.24)
% of Income - -
HEALTH Budget Actual Difference
Health Insurance
Disability Insurance 82.00 81.25 0.75
Doctor/Dentist/Optometrist
Medicine/Drugs
Health Club Dues 55.00 12.51 42.49
Physical Therapy 121.13 (121.13)
Veterinarian/Pet Care
HEALTH - Other #N/A 129.00 #N/A
Total HEALTH #N/A 343.89 #N/A
% of Income - -
DAILY LIVING Budget Actual Difference
Clothing 40.00 (40.00)
Personal Supplies
Personal Care 135.00 (135.00)
DAILY LIVING - Other
Total DAILY LIVING 175.00 (175.00)
% of Income - -
CHILDREN Budget Actual Difference
Children:Clothing #N/A 65.00 #N/A
Medical
Swimming 96.00 70.00 26.00
School Tuition 1.00 1.00
Toys/Games 12.36 (12.36)
CHILDREN - Other #N/A #N/A
Total CHILDREN #N/A 147.36 #N/A
% of Income - -
OBLIGATIONS Budget Actual Difference
Student Loan #N/A 822.43 #N/A
Other Loan #N/A #N/A
Credit Card #1 165.89 (165.89)
Credit Card #2
Credit Card #3
OBLIGATIONS - Other
Total OBLIGATIONS #N/A 988.32 #N/A
% of Income - -
BUSINESS EXPENSE Budget Actual Difference
BUSINESS - Other
Total BUSINESS EXPENSE
% of Income - -
ENTERTAINMENT Budget Actual Difference
Vacation/Travel
Videos/DVDs
Music
ENTERTAINMENT - Other 10.00 8.26 1.74
Total ENTERTAINMENT 10.00 8.26 1.74
% of Income - -
SUBSCRIPTIONS Budget Actual Difference
Dues/Memberships
SUBSCRIPTIONS - Other
Total SUBSCRIPTIONS
% of Income - -
MISCELLANEOUS Budget Actual Difference
Bank Fees
Postage #N/A #N/A
Misc Expenses #N/A 243.79 #N/A
Total MISCELLANEOUS #N/A 243.79 #N/A
% of Income - -
2010 Vertex42 LLC

ExpenseSUMMARY
EXPENSE Summary Budget
Budget Actual Difference
TO SAVINGS Actual
800.00 800.00
TO SAVINGS
CHARITY/GIFTS
HOUSING 1,675.00 1,473.83 201.17
CHARITY/GIFTS
UTILITIES 553.33 366.65 186.68
FOOD HOUSING 1,100.00 989.86 110.14
TRANSPORTATION 505.00 823.24 (318.24)
HEALTHUTILITIES #N/A 343.89 #N/A
DAILY LIVING 175.00 (175.00)
CHILDREN FOOD #N/A 147.36 #N/A
OBLIGATIONS #N/A 988.32 #N/A
TRANSPORTATION
BUSINESS EXPENSE
ENTERTAINMENT 10.00 8.26 1.74
HEALTH
SUBSCRIPTIONS
MISCELLANEOUS #N/A 243.79 #N/A
DAILY LIVING

CHILDREN

OBLIGATIONS

BUSINESS EXPENSE

ENTERTAINMENT

SUBSCRIPTIONS

MISCELLANEOUS
Instructions

Customize the categories as needed.

In the Year Begins field, enter the date of


the first day of the month corresponding to
the first month in the Budget worksheet. If
your financial year starts in July, you would
enter 7/1/2013.

Use the Month field to display the budget


report for a specific month. If your
financial year starts in July, month 2 would
be August.

Select the "Year-To-Date" checkbox to see


the Year-To-Date Budget Report.
[Categories]
Instructions
[Balance]
This worksheet defines the list of categories used for the drop-
[Transfer] down in the Register worksheet. You must make absolutely sure
***** INCOME ***** that the list of categories are the same in ALL worksheets. If you
make a change to a category, you need to make that change in
Wages & Tips all worksheets.
INCOME-Other
***** SAVINGS ***** Adding a Category: Copy an existing row and insert the copied row
where you want it and then edit the Category name. Then, make
Emergency Fund sure the add the category in the Budget and Report worksheets.
Retirement Fund
College Fund Deleting a Sub-Category: Before you start recording transactions,
deleting a category is easy. Just delete the category row. Don't
SAVINGS -Other delete major categories. If you have already started recording
***** CHARITY / GIFTS ***** transactions, and some of the transactions were allocated to the
category you deleted, you will need to manually update all those
Tithing
Transactions to assign them to a new category.
Gifts
Christmas Making Changes to Categories: This worksheet uses conditional
formatting to detect whether the Category is found in BOTH the
CHARITY - Other
Budget and Report worksheets. If a sub-category is highlighted
***** HOUSING ***** PINK(MAGENTA), then the category needs to be added to the
Mortgage & Rent Budget worksheet. A sub-category highlighted BROWN means that
the category needs to be added to the Report worksheet. Major
Lawn/Garden
categories like *****INCOME***** are used to separate groups of
Maintenance/Supplies categories and you should make sure that the sub-categories are
Improvements grouped correctly and consistently in the Yearly and Monthly
worksheets.
HOUSING - Other
***** UTILITIES ***** WARNING: Be VERY careful to not use DUPLICATE category names
Electric Bill such as "Other".
Water
Sewer/Trash
Mobile Phone
Internet
UTILITIES - Other
***** FOOD *****
Groceries
Dining/Eating Out
Pet Food
FOOD - Other
***** TRANSPORTATION *****
Vehicle Payments
Auto Insurance
Fuel
Repairs/Tires
Registration/License
TRANSPORTATION - Other
***** HEALTH *****
Health Insurance
Disability Insurance
Doctor/Dentist/Optometrist
Medicine/Drugs
Health Club Dues
Physical Therapy
Veterinarian/Pet Care
HEALTH - Other
***** DAILY LIVING *****
Clothing
Personal Supplies
Personal Care
DAILY LIVING - Other
***** CHILDREN *****
Children:Clothing
Medical
Swimming
School Tuition
Toys/Games
CHILDREN - Other
***** OBLIGATIONS *****
Student Loan
Other Loan
Credit Card #1
Credit Card #2
Credit Card #3
OBLIGATIONS - Other
***** BUSINESS EXPENSE *****
BUSINESS - Other
***** ENTERTAINMENT *****
Vacation/Travel
Videos/DVDs
Music
ENTERTAINMENT - Other
***** SUBSCRIPTIONS *****
Dues/Memberships
SUBSCRIPTIONS - Other
***** MISCELLANEOUS *****
Bank Fees
Postage
Misc Expenses
he drop-
utely sure
ets. If you
change in

e copied row
hen, make
rksheets.

ansactions,
ow. Don't
cording
ted to the
e all those

nditional
BOTH the
hlighted
to the
means that
et. Major
oups of
gories are
onthly

gory names
Account Date Num Payee Memo Category R PAYMEN PAYMEN
T T

JOINT CHK 7/8/2014 Wf Direct WF Direct Paycheck 1527.09 credit 1


JOINT CHK 7/22/2014 Wf Direct WF Direct Paycheck 1471.83 credit 1
CHECKING 7/11/2014 Prime Heal64216PRIM Paycheck 1443.52 credit 1
CHECKING 7/25/2014 Prime Heal64216PRIM Paycheck 1246.28 credit 1
JOINT CHK 7/11/2014 DepartmenBILL PAY Student L 676 debit -1
JOINT CHK 7/18/2014 Quicken L QUICKEN Mortgage 622.66 debit -1
JOINT CHK 7/7/2014 Quicken L QUICKEN Mortgage 622.65 debit -1
JOINT CHK 7/14/2014 Wells FargBILL PAY Auto Paym 410 debit -1
CHECKING 7/10/2014 Costco POS PURCH Groceries 216.01 debit -1
CHECKING 7/16/2014 Costco POS PURCH Groceries 182.04 debit -1
Barclaycard Arrival Plu 7/19/2014 AT&T AT&T*BIL Mobile Ph 175.24 debit -1
JOINT CHK 7/11/2014 Nv Energy BILL PAY Electric Bil 175 debit -1
CHECKING 7/25/2014 ATM DeposATM CHECK Income 170 credit 1
CHECKING 7/25/2014 Geico RECUR DEBAuto Insur 153.07 debit -1
Barclaycard Arrival Plu 7/3/2014 Home DepTHE HOMEHome Imp 138.66 debit -1
Barclaycard Arrival Plu 7/15/2014 Nicole Oli NICOLE O Personal C 135 debit -1
JOINT CHK 7/14/2014 Saint MaryBILL PAY medical bi 129 debit -1
Barclaycard Arrival Plu 7/9/2014 Amazon AMAZON M Misc Expe 112.22 debit -1
Barclaycard Arrival Plu 7/2/2014 Trader JoeTRADER J Groceries 111.09 debit -1
JOEL'S CUSTOM MAN 7/7/2014 Costco POS PURCH Groceries 104.96 debit -1
CHECKING 7/14/2014 Great LakeGREAT LAKStudent L 92.22 debit -1
JOINT CHK 7/7/2014 Trustmark TRUSTMARDisability 81.25 debit -1
Barclaycard Arrival Plu 7/3/2014 Home DepTHE HOMEHome Imp 78.97 debit -1
Barclaycard Arrival Plu 7/12/2014 7-Eleven 7-ELEVEN Gas & Fuel 73.02 debit -1
Barclaycard Arrival Plu 7/23/2014 Safeway FuSAFEWAY Gas & Fuel 71.68 debit -1
JOINT CHK 7/11/2014 Discover SBILL PAY Credit Car 70 debit -1
Barclaycard Arrival Plu 7/10/2014 Silver Bea SILVER B Eli Swimm 67.5 debit -1
JOINT CHK 7/14/2014 Truckee MBILL PAY Water/Sew 65 debit -1
JOINT CHK 7/11/2014 Chase ServBILL PAY Credit Car 65 debit -1
Barclaycard Arrival Plu 7/24/2014 Babies "R"BABIES R Kids Cloth 54.21 debit -1
JOINT CHK 7/14/2014 Wells FargBILL PAY Student L 50 debit -1
Barclaycard Arrival Plu 7/19/2014 Wal-Mart WAL-MARTGroceries 47.05 debit -1
Barclaycard Arrival Plu 7/15/2014 Casa GranCASA GRARestaurant 43.63 debit -1
CHECKING 7/24/2014 Arco POS PURCHGas & Fuel 42.81 debit -1
CHECKING 7/24/2014 ATM WithdATM WITHCash & AT 40 debit -1
Barclaycard Arrival Plu 7/22/2014 After HourPEDIATRI Clothing 40 debit -1
Barclaycard Arrival Plu 7/13/2014 Wal-Mart WAL-MARTGroceries 37.23 debit -1
CHECKING 7/9/2014 Arco POS PURCHGas & Fuel 34.83 debit -1
Barclaycard Arrival Plu 7/6/2014 Wal-Mart WAL-MARTGroceries 33.53 debit -1
Barclaycard Arrival Plu 7/3/2014 Home DepTHE HOMEHome Imp 32.61 credit 1
Barclaycard Arrival Plu 7/3/2014 Home DepTHE HOMEHome Imp 31.14 credit 1
Barclaycard Arrival Plu 7/24/2014 Trader JoeTRADER J Groceries 31.13 debit -1
Barclaycard Arrival Plu 7/22/2014 Barbieri MBARBIERI Doctor 30 debit -1
Barclaycard Arrival Plu 7/19/2014 Regal Nail REGAL NAMisc Expe 30 debit -1
Barclaycard Arrival Plu 7/15/2014 Target TARGET 0 Shopping 29.1 debit -1
Barclaycard Arrival Plu 7/8/2014 Home DepBILL PAY Credit Car 25 debit -1
Barclaycard Arrival Plu 7/1/2014 Baskin Q BASKIN # Fast Food 23.58 debit -1
Barclaycard Arrival Plu 7/22/2014 Sierra Car SIERRA C Gas & Fuel 20.41 debit -1
JOINT CHK 7/11/2014 Wal-Mart WM SUPERGroceries 16.59 debit -1
Barclaycard Arrival Plu 7/1/2014 Raley's RALEY'S Groceries 16.41 debit -1
Barclaycard Arrival Plu 7/9/2014 Charter C BILL PAY Television 14.71 debit -1
Barclaycard Arrival Plu 7/19/2014 Raley's RALEY'S Groceries 12.51 debit -1
Barclaycard Arrival Plu 7/10/2014 24 Hour Fi24HOUR FITGym 12.41 debit -1
JOINT CHK 7/28/2014 USPS USPS 3172Shipping 10.89 debit -1
Barclaycard Arrival Plu 7/20/2014 Home DepTHE HOMEHome Imp 9.69 debit -1
JOEL'S CUSTOM MAN 7/28/2014 Subway SUBWAY 0Fast Food 9.43 debit -1
Barclaycard Arrival Plu 7/25/2014 Qdoba Mexi QDOBA #3Fast Food 8.26 debit -1
Barclaycard Arrival Plu 7/12/2014 Netflix RECUR DEBMovies & 7.99 debit -1
Barclaycard Arrival Plu 7/22/2014 Great BasiGREAT BA Dining/Eat 7.46 debit -1
Barclaycard Arrival Plu 7/9/2014 Panda ExpPANDA EXFast Food 7.1 debit -1
CHECKING 7/24/2014 Burger KinBURGER KIFast Food 6.88 debit -1
Barclaycard Arrival Plu 7/21/2014 Burger KinBURGER KFast Food 6.88 debit -1
Barclaycard Arrival Plu 7/1/2014 Office DepOFFICE D Misc Expe 6.44 debit -1
Barclaycard Arrival Plu 7/24/2014 MarkleevilMARKLEEVShopping 6.36 debit -1
Barclaycard Arrival Plu 7/24/2014 Starbucks STARBUCKCoffee Sho 5.12 debit -1
Barclaycard Arrival Plu 7/3/2014 GOODWILRENO SOUShopping 4.98 debit -1
Barclaycard Arrival Plu 7/5/2014 All About ALL ABOUAuto & Tra 4.9 debit -1
Barclaycard Arrival Plu 7/14/2014 Raley's RALEY'S Groceries 4.63 debit -1
Barclaycard Arrival Plu 7/3/2014 Starbucks STARBUCKCoffee Sho 4.47 debit -1
Barclaycard Arrival Plu 7/11/2014 Raley's RALEY'S Groceries 4.26 debit -1
Barclaycard Arrival Plu 7/7/2014 Goodwill IGOODWILLShopping 3.87 debit -1
Barclaycard Arrival Plu 7/2/2014 Jimboys TaJIMBOYS Restaurant 3.43 debit -1
Barclaycard Arrival Plu 7/12/2014 Circle K CIRCLE M Gas & Fuel 3.28 debit -1
Barclaycard Arrival Plu 7/26/2014 McDonald'MCDONALD Fast Food 3.22 debit -1
Barclaycard Arrival Plu 7/11/2014 McDonald'MCDONALD Fast Food 3.22 debit -1
Barclaycard Arrival Plu 7/22/2014 Expand WitExpand Tr Finance C 3.03 debit -1
Barclaycard Arrival Plu 7/20/2014 Expand WitExpand Tr Finance C 3.03 debit -1
Barclaycard Arrival Plu 7/9/2014 GOODWILRENO SOUShopping 2.98 debit -1
Barclaycard Arrival Plu 7/18/2014 7-Eleven 7-ELEVEN Fast Food 2.19 debit -1
Barclaycard Arrival Plu 7/12/2014 McDonald'MCDONALD Fast Food 2.15 debit -1
Barclaycard Arrival Plu 7/12/2014 Starbucks STARBUCKCoffee Sho 1.89 debit -1
Barclaycard Arrival Plu 7/3/2014 McDonald'MCDONALD Fast Food 1.08 debit -1
Barclaycard Arrival Plu 7/16/2014 McDonald'MCDONALD Fast Food 1.08 debit -1
Barclaycard Arrival Plu 7/15/2014 McDonald'MCDONALD Fast Food 1.08 debit -1
Barclaycard Arrival Plu 7/21/2014 Interest INTEREST Interest I 0.01 credit 1
Barclaycard Arrival Plu 7/9/2014
JOINT CHK 7/9/2014
PAYMENT

$1,527.09
$1,471.83
$1,443.52
$1,246.28
$(676.00)
$(622.66)
$(622.65)
$(410.00)
$(216.01)
$(182.04)
$(175.24)
$(175.00)
$170.00
$(153.07)
$(138.66)
$(135.00)
$(129.00)
$(112.22)
$(111.09)
$(104.96)
$(92.22)
$(81.25)
$(78.97)
$(73.02)
$(71.68)
$(70.00)
$(67.50)
$(65.00)
$(65.00)
$(54.21)
$(50.00)
$(47.05)
$(43.63) JOINT CHK ### Departmen
$(42.81) JOINT CHK ### Quicken L
$(40.00) JOINT CHK7/7/2014 Quicken L
$(40.00) JOINT CHK ### Wells Farg
$(37.23) CHECKING ### Costco
$(34.83) CHECKING ### Costco
$(33.53) Barclaycard ### AT&T
$32.61 JOINT CHK ### Nv Energy
$31.14 CHECKING ### Geico
$(31.13) Barclaycard7/3/2014 Home Dep
$(30.00) Barclaycard ### Nicole Oli
$(30.00) JOINT CHK ### Saint Mary
$(29.10) Barclaycard7/9/2014 Amazon
$(25.00) Barclaycard7/2/2014 Trader Joe
$(23.58) JOEL'S C 7/7/2014 Costco
$(20.41) CHECKING ### Great Lake
$(16.59) JOINT CHK7/7/2014 Trustmark
$(16.41) Barclaycard7/3/2014 Home Dep
$(14.71) Barclaycard ### 7-Eleven
$(12.51) Barclaycard ### Safeway Fu
$(12.41) JOINT CHK ### Discover S
$(10.89) Barclaycard ### Silver Bea
$(9.69) JOINT CHK ### Truckee M
$(9.43) JOINT CHK ### Chase Serv
$(8.26) Barclaycard ### Babies "R"
$(7.99) JOINT CHK ### Wells Farg
$(7.46) Barclaycard ### Wal-Mart
$(7.10) Barclaycard ### Casa Gran
$(6.88) CHECKING ### Arco
$(6.88) CHECKING ### ATM Withd
$(6.44) Barclaycard ### After Hour
$(6.36) Barclaycard ### Wal-Mart
$(5.12) CHECKING7/9/2014 Arco
$(4.98) Barclaycard7/6/2014 Wal-Mart
$(4.90) Barclaycard ### Trader Joe
$(4.63) Barclaycard ### Barbieri M
$(4.47) Barclaycard ### Regal Nail
$(4.26) Barclaycard ### Barbieri M
$(3.87) Barclaycard7/8/2014 Barbieri M
$(3.43) Barclaycard7/1/2014 Barbieri M
$(3.28) Barclaycard ### Target
$(3.22) JOINT CHK ### Home Dep
$(3.22) Barclaycard7/1/2014 Baskin Q
$(3.03) Barclaycard7/9/2014 Sierra Car
$(3.03) Barclaycard ### Wal-Mart
$(2.98) Barclaycard ### Raley's
$(2.19) JOEL'S C ### 24 Hour Fi
$(2.15) Barclaycard ### USPS
$(1.89) Barclaycard ### Home Dep
$(1.08) Barclaycard ### Subway
$(1.08) Barclaycard7/9/2014 Qdoba Mexi
$(1.08) CHECKING ### Netflix
$0.01 Barclaycard7/1/2014 Panda Exp
Barclaycard ### Burger Kin
Barclaycard7/3/2014 Office Dep
Barclaycard7/5/2014 Markleevil
-5469.89 ### Barclaycard ### Starbucks
5922.48 452.59 Barclaycard7/3/2014 GOODWIL
Barclaycard ### All About
Barclaycard7/7/2014 Raley's
Barclaycard7/2/2014 Starbucks
Barclaycard ### Raley's
Barclaycard ### Goodwill I
Barclaycard ### Jimboys Ta
Barclaycard ### Circle K
Barclaycard ### McDonald'
Barclaycard7/9/2014 McDonald'
JOEL'S PL ### Expand Wit
JOEL'S PL ### Expand Wit
Barclaycard ### GOODWIL
Barclaycard ### Futura Ca
Barclaycard ### McDonald'
Barclaycard7/3/2014 7-Eleven
Barclaycard ### McDonald'
Barclaycard ### Starbucks
JOEL'S PL ### McDonald'
Barclaycard ### McDonald'
Barclaycard7/9/2014 McDonald'
PERSONAL7/7/2014 Interest C
BILL PAY Student L 676 $(676.00)
QUICKEN Mortgage 622.66 $(622.66)
QUICKEN Mortgage 622.65 $(622.65)
BILL PAY Vehicle P 410 $(410.00)
POS PURCHGroceries 216.01 $(216.01)
POS PURCHGroceries 182.04 $(182.04)
AT&T*BIL Mobile P 175.24 $(175.24)
BILL PAY Electric Bi 175 $(175.00)
RECUR DEBAuto Insu 153.07 $(153.07)
THE HOMEImprovem 138.66 $(138.66)
NICOLE O Personal 135 $(135.00)
BILL PAY HEALTH - 129 $(129.00)
AMAZON M Misc Exp 112.22 $(112.22)
TRADER J Groceries 111.09 $(111.09)
POS PURCHGroceries 104.96 $(104.96)
GREAT LAKStudent L 92.22 $(92.22)
TRUSTMARDisability 81.25 $(81.25)
THE HOMEImprovem 78.97 $(78.97)
7-ELEVEN Fuel 73.02 $(73.02)
SAFEWAY Fuel 71.68 $(71.68)
BILL PAY Credit Ca 70 $(71.68)
SILVER B Swimmin 67.5 $(70.00)
BILL PAY Water/Se 65 $(67.50)
BILL PAY Credit Ca 65 $(65.00)
BABIES R Children: 54.21 $(65.00)
BILL PAY Student L 50 $(54.21)
WAL-MARTGroceries 47.05 $(50.00)
CASA GRADining/Ea 43.63 $(47.05)
POS PURCHFuel 42.81 $(43.63)
ATM WITHMisc Exp 40 $(42.81)
PEDIATRI Clothing 40 $(40.00)
WAL-MARTGroceries 37.23 $(40.00)
POS PURCHFuel 34.83 $(37.23)
WAL-MARTGroceries 33.53 $(34.83)
TRADER J Groceries 31.13 $(33.53)
BARBIERI Physical 30 $(31.13)
REGAL NAMisc Exp 30 $(30.00)
BARBIERI Physical 30 $(30.00)
BARBIERI Physical 30 $(30.00)
BARBIERI Physical 30 $(30.00)
TARGET 0 Misc Exp 29.1 $(30.00)
BILL PAY Credit Ca 25 $(29.10)
BASKIN # Dining/Ea 23.58 $(25.00)
SIERRA C Fuel 20.41 $(23.58)
WM SUPERGroceries 16.59 $(20.41)
RALEY'S Groceries 16.41 $(16.59)
24HOUR FIT
Health Cl 12.41 $(12.51)
USPS 3172Misc Exp 10.89 $(12.41)
THE HOMEImprovem 9.69 $(10.89)
SUBWAY 0Dining/Ea 9.43 $(9.69)
QDOBA #3Dining/Ea 8.26 $(9.43)
RECUR DEBENTERTAI 7.99 $(8.26)
PANDA EXDining/Ea 7.1 $(7.46)
BURGER KIDining/Ea 6.88 $(7.10)
OFFICE D Misc Exp 6.44 $(6.88)
MARKLEEVMisc Exp 6.36 $(6.44)
STARBUCKDining/Ea 5.12 $(6.36)
RENO SOUToys/Gam 4.98 $(5.12)
ALL ABOURepairs/T 4.9 $(4.98)
RALEY'S Groceries 4.63 $(4.90)
STARBUCKDining/Ea 4.47 $(4.63)
RALEY'S Groceries 4.26 $(4.47)
GOODWILLToys/Gam 3.87 $(4.26)
JIMBOYS Dining/Ea 3.43 $(3.43)
CIRCLE M Fuel 3.28 $(3.28)
MCDONALD Dining/Ea 3.22 $(3.22)
MCDONALD Dining/Ea 3.22 $(3.22)
Expand Tr Dining/Ea 3.03 $(3.03)
Expand Tr Misc Exp 3.03 $(3.03)
RENO SOUToys/Gam 2.98 $(2.98)
FUTURA CRepairs/T 2.77 $(2.77)
MCDONALD Dining/Ea 2.36 $(2.36)
7-ELEVEN Dining/Ea 2.19 $(2.19)
MCDONALD Dining/Ea 2.15 $(2.15)
STARBUCKDining/Ea 1.89 $(1.89)
MCDONALD Dining/Ea 1.08 $(1.08)
MCDONALD Dining/Ea 1.08 $(1.08)
MCDONALD Dining/Ea 1.08 $(1.08)
Interest C Credit Ca 0.11 $(0.11)

###
Paycheck Calculator
For Wages Paid in 2014

Hours per week 40


Overtime per week 6.5
1990

Gross Pay 41600


Gross Pay: $1,990.00
Pay Period: Biweekly
Periods Per Year: 26
Est. Gross Annual Pay: $51,740.00 1800

NET Take-Home Pay


Filing Status and Withholdings 1600
Filing Status: Married
Number of Allowances: 2 1400
One Allowance: $151.90
Pre-Tax Adjustments 1200
Tax Deferral Plan, 401(k): 3.00%
Other Pre-Tax Deductions: 1000
Federal Taxable Gross: $1,626.50
Federal Withholding Tables 800
Excess Over 26,600.00
Withhold 1,815.00 600
Plus X% of Excess 15.00%
Post-Tax Adjustments 400

State & Local Taxes:


Federal Tax
200Social Security
Other Post-Tax Deductions: FICA (6.2%)
Tax Deferral Plan
Post-Tax Reimbursements: FICA Medicare (1.45%)
Pre-Tax
State
Deductions
Post-Tax
&Post-Tax
LocalDeductions
Taxes
Reimbursem
0

Estimated Pay Check


NET Take-Home Pay 1,617.74
FICA Social Security (6.2%) 123.38
FICA Medicare (1.45%) 28.86
Federal Tax 160.32
Tax Deferral Plan 59.70
Pre-Tax Deductions
State & Local Taxes
Post-Tax Deductions
Post-Tax Reimbursements

Caution:
This calculator is for educational and illustrative purposes only and should not be construed as financial or tax advice.
The results are only estimates and may not apply to your specific situation.
Please consult a qualified professional regarding financial decisions.
2010-2014 Vertex42 LLC

Paycheck Calculator

1900

1800

NET Take-Home Pay


1600

1400

1200

1000

800

600

400

Federal Tax
200Social Security
FICA (6.2%)
Tax Deferral Plan
FICA Medicare (1.45%)
Pre-Tax
State
Deductions
Post-Tax
&Post-Tax
LocalDeductions
Taxes
Reimbursements
0
Federal Tax Tables
These tables are used to estimate the federal tax withholding and need to be updated each
year. The federal tax is calculated by multiplying the Federal Taxable Gross by the number
of payments per year, then using the ANNUAL Table to calculate the withholding. The
Federal Taxable Gross is the Gross Pay minus the Allowances minus the pre-tax
withholdings and deductions.

2014 ANNUAL Table for Percentage Method for Income Tax Withholding
Source: IRS Publication 15, Table 7, pg 44
http://www.irs.gov/pub/irs-pdf/p15.pdf
SINGLE
Excess over Withhold Percent

2,250.00 10.0%
11,325.00 907.50 15.0%
39,150.00 5,081.25 25.0%
91,600.00 18,193.75 28.0%
188,600.00 45,353.75 33.0%
407,350.00 117,541.25 35.0%
409,000.00 118,118.75 39.6%
MARRIED
Excess over Withhold Percent

8,450.00 10.0%
26,600.00 1,815.00 15.0%
82,250.00 10,162.50 25.0%
157,300.00 28,925.00 28.0%
235,300.00 50,765.00 33.0%
413,550.00 109,587.50 35.0%
466,050.00 127,962.50 39.6%

Percentage Method - 2014 Amount for One Withholding Allowance


Source: IRS Publication 15, Table 5, pg 41
http://www.irs.gov/pub/irs-pdf/p15.pdf
Pay Period Periods per Year Allowance
Weekly 52 76.00
Biweekly 26 151.90
Semimonthly 24 164.60
Monthly 12 329.20
Quarterly 4 987.50
Semiannually 2 1,975.00
Annually 1 3,950.00
Family Monthly Budget (Feb)
Total Projected Total Actual Total
Cost Cost Difference
$4,752 $4,752 $30

Projected Cost Actual Cost Difference


Housing
Mortgage or rent $1,245 $1,245
Second mortgage or rent
Phone $90 $90
Electricity $150 $150
Gas
Water $45 $45
sewer $52 $52
internet $46 $46

Waste removal

Maintenance or repairs
house cleaning
Supplies

Other
Subtotals $1,628 $1,628

Transportation
Vehicle 1 payment $410 $410
Vehicle 2 payment $263 $263
Bus/taxi fare
Insurance $156 $156
Licensing
Fuel $210 $210
Maintenance $50 $50

Other
Subtotals $1,089 $1,089

Insurance
Home
Health
Life
Other
Subtotals

Food
Groceries $550 $550
Dining out $100 $100
JOELS SCHOOL EXPENSE

Subtotals $650 $650

Children
Medical-eli
Clothing
School tuition
School supplies
Organization dues or fees
Lunch money
Child care
Toys/games
Other diapers $30 $30
Subtotals $30 $30

Pets
Food $55 $55
Medical
Grooming
Toys
Other
Subtotals $55 $55

Personal Care
Medical(phy.therapy,OB)
st. mary's bills $129 $129
Hair/nails
Clothing
Dry cleaning
Health club $12 $12
Organization dues or fees
SWIMMING $28 $28
weightwatchers
docter
baby bootcamp
Subtotals $169 $169
Projected Monthly Income

Income 1 $2871 4400


Income 2 $2,200 $4,719
Extra income
Total monthly income Sacha's Pay
$/hr
Actual Monthly Income
Income 1 $2,871 Gross
Income 2 $2,200 Taxes (20%)
Extra income Taxed pay
Total monthly income $5,071

Total unjusted Income


Projected balance
(Projected income minus
10% Towards Saving
expenses)Projected balance
(Projected income minus expenses) ($4752)
20% Debts
Total income
Actual balance
(Actual income minus expenses) $319

Difference (Actual minus projected) $5,071

Projected Cost Actual Cost Difference


Entertainment
Video/DVD
CDs
Movies $10 $10
Concerts
Sporting events
Live theater
Other( Netflix) $8 $8
Subtotals $18 $18

Loans
Student - Joel $818 $818
Student
Credit card(sacha) $145 $145
HD
cap one
Credit card(joel)
Credit card
Other
Subtotals $963 $963

Taxes
Federal
State
Local
Other
Subtotals

Savings or Investments
Retirement account
Investment account
College $150 $150
Other
Subtotals $150 $150

Gifts and Donations


Charity 1
Charity 2
Charity 3
Subtotals

Legal
Attorney
Alimony
Payments on lien or judgment
Subtotals
$56,623.62

Joel's Pay
$/hr 18
2880
Gross 2448
After Taxes (20%) 612
adj after taxes 1836

4336

4336 Joel's Income (k2 Engineering)


qty rate current
Hours 80 22 $1,760.00
overtime 33
Weeky

1707.20 80 55 $1,760.00
8.02% deductions from gross (ira) $52.80
6.65% $1,707.20
1.56% Taxes
16.23% federal $131.66
SSE $113.56
Medicare $26.56
$271.78
Mileage
$1,435.42
Take home= $1435
Monthly $2871
Yearly $34450

2088
2056
45232
1760
46992
44
6

$42,240.00

###

$1,378.00