Thanks for taking a moment to download my "SimpleBudget" spreadsheet!

While I have your attention, I'd like to urge you to consider the importance of savings. In
polite company, of course, folks pay lip service to the idea of having an Emergency Fund.
But statistics tell us that most consumers don't even have enough savings in the bank to
get them safely past one missed paycheck. And what about planning ahead for irregular
expenses like auto repairs and holiday gift-giving? Fuhgeddaboudit.

Since the primary goal of budgeting is to create a cushion between your income and your
spending, I would encourage you to focus on, and respect, this "cushion" -- your savings
-- as much as possible. Keep your savings in a place where it is safe, and where it
continues to work hard for you.

Where might you find such a place? Why, online savings accounts like ING DIRECT's
Orange Savings Account, of course. Or Emigrant Direct's American Dream savings
account. Your money will earn a rate of interest that's four to eight times higher then
what your local banks pay. And it will be FDIC insured.

Once you've put this spreadsheet through its paces, please spend a few moments
learning more about online savings accounts at my bank-review pages:

Visit IYM's Bank Review Pages!

http://www.mdmproofing.com/iym/reviewbank.php

Regards,
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BUDGETED: [ WHAT'S COMING IN ] minus [ WHAT'S GOING OUT ]: $40.45
SPENT: [ WHAT'S COMING IN ] minus [ WHAT'S GOING OUT ]: $1,122.17

WHAT'S COMING IN: WHAT'S GOING OUT (Fixed):

$3,587.71 $2,187.26
Description Amount Description Amount
1 Bob's Paycheck (#1) $682.80 1 Citi Mortgage $918.30
2 Bob's Paycheck (#2) $682.80 2 ABC Bank (Auto Loan #1) $358.70
3 Jan's Paycheck (#1) $1,107.43 3 Chase Bank (Auto Loan #2) $297.26
4 Jan's Paycheck (#2) $1,107.43 4 Franklin Electric $113.00
5 Interest Earned $6.00 5 City of Wabash (Water, trash) $49.00
6 Found in car $1.25 6 Allstate (Auto insurance) $376.00
7 7 Auto Transfer to ING Direct $75.00
8 8
9 9
10 Enter your income items in 10
11 this section. Simply 11
12 estimate the amounts you 12 Enter your fixed expenses in this
13 expect to receive. Once you 13
section. "Fixed expenses" are
14 receive them, then enter 14
expenses you pay every month (like
the exact amount. rent, auto insurance, and utilities),
15 15
and whose amounts don't vary much
16 16 from month to month.
17 17
18 18 Simply estimate the amounts you
19 19 expect to pay (i.e., budget) for each
20 20 fixed expense. Once you pay an
21 expense, then enter its exact
22 amount.
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Questions?
Visit this Spreadsheet's
Web Page!

www.mdmproofing.com/iym/products/simple-budget/
 Questions?
Visit this Spreadsheet's
Web Page!

www.mdmproofing.com/iym/products/simple-budget/
 More Spreadsheets at:
www.moneyspot.org

WHAT'S GOING OUT (Variable):

$1,360.00 $278.28
Description Budgeted Spent
1 Food: Groceries $380.00
2 Food: Dining Out $140.00
3 Household Stuff $330.00
4 Automobile: Fuel $270.00
5 Clothing $120.00
6 Kid's Stuff $120.00
7 Wal-Mart $112.18
8 Wal-Mart $19.47
9 Kohl's $85.13
10 Conoco $48.00
11 Steve's Hot Dog Stand $13.50
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Enter all other expenses in this section. When
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you are estimating the amounts you plan to
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spend on these items (like groceries, auto fuel,
18 and so on), use the "Budgeted" column for your
19 estimated amounts.
20
21 When you actually spend the money on these
22 expenses, enter all amounts in the "Spent"
23 column as shown.
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BUDGETED: [ WHAT'S COMING IN ] minus [ WHAT'S GOING OUT ]:
SPENT: [ WHAT'S COMING IN ] minus [ WHAT'S GOING OUT ]:

WHAT'S COMING IN: WHAT'S GOING OUT (Fixed):

Description Amount Description Amount

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Questions?
Visit this Spreadsheet's
Web Page!

www.mdmproofing.com/iym/products/simple-budget/
 Questions?
Visit this Spreadsheet's
Web Page!

www.mdmproofing.com/iym/products/simple-budget/
 More Spreadsheets at:
www.moneyspot.org

WHAT'S GOING OUT (Variable):

$0.00
Description Budgeted Spent
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