A - Categories - This group is the area where you make your own

categories for sources of income and sources of spending. "Food"

is dining out, and is related to groceries. If you want to spend less
on food, increase your grocery bill by 50-75% of what you decrese
in food. "Other" can count as shopping, car repairs, booze (for
those who are 21+!), and can include rent as well. You can leave
it or enter in your own categories. Keep in mind you may have to
change equations on the spreadsheet."Total" is automatically
calculated. "Other" in earnings is say you were gifted with some
money or you recycled some bottles.
B - Budgeted Expenses and Income - Here is where you budget
your money and try to limit yourself for spending. These should
be based off the prior months' information. Be realistic while also
analyzing if you can try harder to save or take on extra hours for
one of the jobs. Also, look at the month ahead and factor in
holidays, guests in town, birthdays, to budget for outings. You will
enter in your own data. "Total" is automatically calculated.

C - Actual Expenses and Income - This is your actual spending. Do

not just punch in a number, but when you click on the examples,
notice it is "=#+#+#". This makes it easier to add everytime you
enter in a new expense or income rather than calculate it
yourself.
D - Percetanges - This should help you pace for the month. If 50%
of the month is gone, you should be near that % for all categories
or change plans for the remainder of the month to stay on
budget. This also helps assess next months goals. This is
automatically calculated; no need to type anything.
E - This is your profit for the month. This is automatically
calculated; no need to enter in data. If you were positive,
highlight it green, if negative, highlight it red.

F - These are your quarterly stats, which add all categories for the
past 3 months. These are automatically calculated, no need to
enter data. This can help with looking at next year's
corresponding quarter when budgeting

G - This adds all the earnings together. FYTD stands for Fiscal Year
To Date. This is automatically calculated, no need to enter data.
H - This adds all the expenses together. FYTD stands for Fiscal
Year To Date. This is automatically calculated, no need to enter
data.
I - Profit - This subtracts FYTD earnings with FYTD Spending. You
want this to be as big as possible. This is automatically
calculated, no need to enter in data.
J - Projected Income After Taxes - This is cut off and is a bit tricky.
This one one takes the average of each month that passed so far,
and calculates how much you can expect to get within the year
based on current progress. There is an equation that you have to
fix every month. The equation is "(A2/#)*12" where # needs to
be changed into however many months have passed.

e you make your own

es of spending. "Food"
ou want to spend less
% of what you decrese
repairs, booze (for
s well. You can leave
mind you may have to
" is automatically
ere gifted with some

s where you budget

nding. These should
Be realistic while also
ke on extra hours for
ad and factor in
et for outings. You will
ally calculated.

ur actual spending. Do
ick on the examples,
to add everytime you
an calculate it

for the month. If 50%

at % for all categories
onth to stay on
goals. This is
nything.

automatically
were positive,
d.

d all categories for the

culated, no need to
xt year's

D stands for Fiscal Year

need to enter data.

D stands for Fiscal

d, no need to enter

FYTD Spending. You

tomatically

off and is a bit tricky.

nth that passed so far,
get within the year
tion that you have to
" where # needs to
e passed.

Earnings FYTD (after taxes)

$9,600.00

Spent

$500

Month 1 (Sample; replace data with your own)

Month 2 (Sample proje
Budgeted ExpensActual Expenses% Used
Personal Expenses
0.00% Gas
Monthly Expenses
0.00% Groceries
Yearly Expenses
0.00% Food
Investments
0.00% Other
Savings
$500
$500.00 100.00% Savings
Loan Payment
$650
0.00% Loan Paymen
Total
$500
$500.00
100.00% Total
Estimated IncomeActual Income % Goal
Job 1
$4,244.00
$4,800.00 113.10% Job 1
Job 2
$2,662.00
0.00% Job 2
Job 3
0.00% Job 3
Other
0.00% Other
Total
$6,906.00
$4,800.00
69.50% Total
Total Gain/Loss
$4,300.00

Gas
Groceries
Food
Other
Savings
Loan Payment
Total
Job 1
Job 2
Job 3
Other

Month 4
Budgeted ExpensActual Expenses% Used
$0
$0.00
0.00% Gas
$0
$0.00
0.00% Groceries
$0
$0.00
0.00% Food
$0
$0.00
0.00% Other
$0
$0.00
0.00% Savings
$0
$0.00
0.00% Loan Paymen
$0
$0.00
0.00% Total
Estimated IncomeActual Income % Goal
$0.00
$0.00
0.00% Job 1
$0.00
$0.00
0.00% Job 2
$0.00
$0.00
0.00% Job 3
$0.00
$0.00
0.00% Other

Mon

Total

Gas
Groceries
Food
Other
Savings
Loan Payment
Total
Job 1
Job 2
Job 3
Other
Total

Gas
Groceries
Food
Other
Savings
Loan Payment
Total
Job 1
Job 2
Job 3
Other
Total

$0.00
Total Gain/Loss

$0.00
$0.00

0.00% Total

Month 7
Budgeted ExpensActual Expenses% Used
$0
$0.00
0.00% Gas
$0
$0.00
0.00% Groceries
$0
$0.00
0.00% Food
$0
$0.00
0.00% Other
$0
$0.00
0.00% Savings
$0
$0.00
0.00% Loan Paymen
$0
$0.00
0.00% Total
Estimated IncomeActual Income % Goal
$0.00
$0.00
0.00% Job 1
$0.00
$0.00
0.00% Job 2
$0.00
$0.00
0.00% Job 3
$0.00
$0.00
0.00% Other
$0.00
$0.00
0.00% Total
Total Gain/Loss
Month 10
Budgeted ExpensActual Expenses% Used
$0
$0.00 0
Gas
$0
$0.00 0
Groceries
$0
$0.00 0
Food
$0
$0.00 0
Other
$0
$0.00 0
Savings
$0
$0.00 0
Loan Paymen
$0
$0.00 0
Total
Estimated IncomeActual Income % Goal
$0.00
$0.00
0.00% Job 1
$0.00
$0.00
0.00% Job 2
$0.00
$0.00
0.00% Job 3
$0.00
$0.00
0.00% Other
$0.00
$0.00
0.00% Total
Total Gain/Loss
$0.00

Mon

Mon

Spent FYTD

$500.00

Profit FYTD

$9,100.0

Month 2 (Sample projected based on month 1)

Month 3
Budgeted ExpensActual Expenses % Used
Budgeted Expense
$175
$0.00
$0
0.00% Gas
$450
$0.00
$0
0.00% Groceries
$20
$0.00
$0
0.00% Food
$750
$0.00
$0
0.00% Other
$1,000
$0.00
$0
0.00% Savings
$1,000
$0.00
$0
0.00% Loan Paymen
$3,395
$0.00
$0
0.00% Total
Estimated IncomeActual Income % Goal
Estimated Income
$2,300.00
$4,800.00
208.70% Job 1
$0.00
$840.00
$0.00
0.00% Job 2
$0.00
$520.00
$0.00
0.00% Job 3
$0.00
$1.00
$0.00
0.00% Other
$0.00
$3,661.00
$4,800.00
131.11% Total
$0.00
Total Gain/Loss
$4,800.00
Total Gain/Loss
Month 5
Month 6
Budgeted ExpensActual Expenses % Used
Budgeted Expense
$0
$0.00
$0
0.00% Gas
$0
$0.00
$0
0.00% Groceries
$0
$0.00
$0
0.00% Food
$0
$0.00
$0
0.00% Other
$0
$0.00
$0
0.00% Savings
$0
$0.00
$0
0.00% Loan Paymen
$0
$0.00
$0
0.00% Total
Estimated IncomeActual Income % Goal
Estimated Income
$0.00
$0.00
0.00% Job 1
$0.00
$0.00
$0.00
0.00% Job 2
$0.00
$0.00
$0.00
0.00% Job 3
$0.00
$0.00
$0.00
0.00% Other
$0.00

$0.00
Total Gain/Loss

$0.00
$0.00

0.00% Total

$0.00
Total Gain/Loss

Month 8
Month 9
Budgeted ExpensActual Expenses % Used
Budgeted Expense
$0
$0.00
Gas
$0
0.00%
$0
$0.00
$0
0.00% Groceries
$0
$0.00
$0
0.00% Food
$0
$0.00
$0
0.00% Other
$0
$0.00
$0
0.00% Savings
$0
$0.00
$0
0.00% Loan Paymen
$0
$0.00
$0
0.00% Total
Estimated IncomeActual Income % Goal
Estimated Income
$0.00
$0.00
0.00% Job 1
$0.00
$0.00
$0.00
0.00% Job 2
$0.00
$0.00
$0.00
0.00% Job 3
$0.00
0uu
$0.00
0.00% Other
$0.00
$0.00
$0.00
0.00% Total
$0.00
Total Gain/Loss
Total Gain/Loss
Month 11
Month 12
Budgeted ExpensActual Expenses % Used
Budgeted Expense
$0
$0.00 0
Gas
$0
$0
$0.00 0
Groceries
$0
$0
$0.00 0
Food
$0
$0
$0.00 0
Other
$0
$0
$0.00 0
Savings
$0
$0
$0.00 0
Loan Paymen
$0
$0
$0.00 0
Total
$0
Estimated IncomeActual Income % Goal
Estimated Income
$0.00
$0.00
0.00% Job 1
$0.00
$0.00
$0.00
0.00% Job 2
$0.00
$0.00
$0.00
0.00% Job 3
$0.00
$0.00
$0.00
0.00% Other
$0.00
$0.00
$0.00
0.00% Total
$0.00
Total Gain/Loss
$0.00
Total Gain/Loss

rofit FYTD

Projected Fiscal Year Earnings

100.00 $115,200.0
Month 3
Actual Expen% Used
$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%
Actual Incom% Goal
$4,800.00
0.00% Q1 Spending =
$0.00
0.00% Q1 Revenue =
$0.00
0.00% Q1 Profit =
$0.00
0.00%
$0.00
0.00%
$0.00
Month 6
Actual Expen% Used
$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%
Actual Incom% Goal
$0.00
0.00%
$0.00
0.00% Q2 Spending =
$0.00
0.00% Q2 Revenue =
$0.00
0.00% Q2 Profit =

$500.00
$9,600.00
$9,100.00

$0.00
$0.00
$0.00

$0.00

0.00%

$0.00
Month 9
Actual Expen% Used
$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%
Actual Incom% Goal
$0.00
0.00%
$0.00
0.00% Q3 Spending =
$0.00
0.00% Q3 Revenue =
$0.00
0.00% Q3 Profit =
$0.00
0.00%

Month 12
Actual Expen% Used
$0.00 0
$0.00 0
$0.00 0
$0.00 0
$0.00 0
$0.00 0
$0.00 0
Actual Incom% Goal
$0.00
0.00%
$0.00
0.00% Q4 Spending =
$0.00
0.00% Q4 Revenue =
$0.00
0.00% Q4 Profit =
$0.00
0.00%
$0.00

$0.00
$0.00
$0.00

$0.00
$0.00
$0.00

- Rich people did not get rich by spending. Find other ways to hang out, and avo

- When making a big purchase, consider the percentage it is to your monthly an

- Plan ahead. As mentioned in the "How-to" page, it is absolutely important to lo

and you can budget any huge losses into the month after. If you are looking 2 m
before for a better distribution.

- Do not change estimated spendings during the current month. Stick to your gu
month.

- Saving is good but don't be stingy with your money! When it comes to medica
as much as you need to. Those are long-term investments that will take care of
- Carry cash and leave your cards at home. Make sure you have $10 extra than
limit impulse decisions.

- Set your goals. Tell yourself you want a certain amount of profit for the quarte

- Be tedious with this sheet. Don't give up and tack every little expense. This sh
spendings, but all this data can be used to plan for the future based on your cu

- Insanity is doing the same thing over and over, and expecting to get different
make a dramatic change to your habits rather than hoping something will chan

- Surround yourself with financially smart people....or just smart people in gene

o hang out, and avoid buying bottle service when you go out. You're not a baller...yet!
to your monthly and annual earnings.

utely important to look at the week or month ahead. Theis helps you budget for big even
you are looking 2 months ahead, you can budget the hufe projected spending to the mo

nth. Stick to your guns, and if you overspend, learn from your mistakes. Budget smarter

it comes to medical expenses, quality groceries, and car repair (not car purchases), the
hat will take care of you in the future.

ave $10 extra than you think you will need for going out in case of emergencies, but thi

profit for the quarter or year, and either work hard for it or spend less.

tle expense. This sheet will make you a smarter person. This is not just to see your
e based on your current habits.

ing to get different results. If month-to-month you're not reaching you goals, you need t
omething will change or go according to your current plan.

mart people in general.

buying bottle service when you go out. You're not a baller...yet!

nnual earnings.

at the week or month ahead. Theis helps you budget for big events,
ths ahead, you can budget the hufe projected spending to the month
and if you overspend, learn from your mistakes. Budget smarter next

penses, quality groceries, and car repair (not car purchases), then pay
u in the future.

u think you will need for going out in case of emergencies, but this will
year, and either work hard for it or spend less.

will make you a smarter person. This is not just to see your
t habits.

ults. If month-to-month you're not reaching you goals, you need to

or go according to your current plan.