PearBudget

really simple budgeting

Welcome to
Welcome to PearBudget. This is a free, easy-to-use budgeting program,
enabling you to track where your money is going. It was written by ← get started (to the left), or re
Charlie Park (charlie@pearbudget.com).
PearBudget started as a spreadsheet (
had been downloaded over 100,000
web-based application, which you can
version is completely free to try for 30
you find that it's useful, it's only $3 a m
that they save 10 to 100 times that m
PearBudget is meant to be a really straightforward and easy-to-use using it. We hope you'll swing by
budget program. I know that—if you're like me—unless a budget's
super easy, you won'tHow ToThe
use it. Useguided
PearBudget
set-up process takes about
intro 20 minutes, and it'll take you about 10 minutes each week to
maintain your budget. Do it. It's important. With PearBudget, your
expenses fit into one of three categories, as seen below. Don't be
overwhelmed! Just follow the instructions below and you'll be set!

Friendly tip #1: Keep the names o

three columns immediately below t
Keep in mind, you don't need to know Excel to use PearBudget. Just look for
It really he
the cells with the white background and fill in the info the program tells you
spreadshe
to. Please don't touch any cells that don't have a white background.

Friendly tip #2: Make sure the cate

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

Irregular Expenses are things that come up a couple of times a

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

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

step 1 To the right (and a little up), you can see the three different
10 mins categories (in floating boxes), with suggested budgeting areas.
Change the areas to reflect your budgetary needs. For example, you
might need to add or remove categories. Literally, where it says (no more than 10)
"rent" under "Regular Expenses," click on that cell and type in the
category you want to be on the list. If you want to take some time to
think about what your categories should be (use scratch paper),
that's fine. But the rest of the program will key off these boxes, so
the idea is that once you begin your year's budget, you won't change
them. You don't need to fill all 10 lines per category: It's okay to
leave some blank.
step 2 Now that you've made your list of expenses and budgeting areas, it's time
10 mins to think about how much money to budget for each area. Below are the
expense areas you just selected (see how the green columns on the left
match the columns you just filled in?). In the white cells to the right of each
pear-colored spending area, fill in the amount you want to budget for each
month. If your cells on the left are blank, think through
the year: Are there any expenditures you might be forgetting? Remember,
only modify cells if they're white. You shouldn't touch the pear-colored cells.
If you need to change the expense areas, go back to step 1 and modify the
items on those lists on the upper right.

Regular Expenses = $ Spent Per Month

rent =
phone bill =
insurance =
tithe =
donations = total
savings = $0.00
college =
0 =
0 =
0 =

Irregular Expenses = $ Spent Per Month

Hairdo =
medical =
medicine =
gifts =
Personal Shopping = total
0 = $0.00
0 =
0 =
0 =
0 =

Variable Expenses = $ Spent Per Month

housecare =
groceries =
dining out =
miscallenious =
0 = total
0 = $0.00
0 = Friendly tip #4: In the budget, you
0 = the upper right of certain cells (li
0 = cells, and you'll see popup comme
0 =

step 3 That's all! Your budget is set up and ready to go! See the tabs at the
bottom of the screen (Start Here, Jan, Feb, … Analysis)? Those will take you
to the other charts for the year. Head over to January to get acquainted Friendly tip #5: One of the best wa
with the monthly charts and to get started! Each month, you'll a central "collection point" for you
enter in the amounts spent in each category. You'll also enter in the amount (say, Sunday evening), sit down
of income you bring in each month. Look for the white cells—those are the check deposit slips) in to the appr
ones you'll enter numbers into. Check out the "Analysis" page (look at the budget sheet. If you don't let your
bottom of the screen to see its tab), and you can see how you're doing in more than 5 to 10
each category for the year.
 When you head over to the January sheet (or whatever month you're
starting with), look for the red 'comments' triangle in cell B3 (the cell
underneath 'housecare')—it'll explain the next step.

donate? This budget program is free. There's no obligation of any sort for you to use
this or to pass it on to your friends. BUT … if you find it useful, and if you
decide that you'd like to send in money, you can send it via PayPal, to
charlie@pearbudget.com.

help There are three ways that you can help me develop PearBudget further.
First, if you find it useful, please e-mail me and let me know! My e-mail
address is charlie@pearbudget.com. Second, if you know of a way that the
program can be improved, please let me know about it. Maybe there's a
description somewhere that could be clearer. Maybe there's a small
mathematical error somewhere. Maybe you have an idea for a feature that
the next version of PearBudget could include. Whatever it is, please send it
my way. Third, I'd really appreciate it if you passed the program on to your
friends. This file is completely e-mailable! They can begin anywhere in the
year with it! It doesn't have to be a January-to-December budget! If you
know someone who might possibly be interested in it, please pass it on to
them!

online Want to try the new web-based version of PearBudget?

Get a free trial for 30 days at www.pearbudget.com!
It's even easier than this spreadsheet!
 Welcome to PearBudget!
t started (to the left), or read a little more about us (here ↓)

t started as a spreadsheet (the one you're looking at now). After it

downloaded over 100,000 times, we turned it into a really simple
d application, which you can try at www.pearbudget.com. The web
completely free to try for 30 days — no credit card required! And if
at it's useful, it's only $3 a month (or $30 a year). Most people find
save 10 to 100 times that much each month when they're actively
it. We hope you'll swing by pearbudget.com and check it out!

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

p #2: Make sure the categories

the top of each column (to the right Regular Expenses
w). It's fine to leave cells on the list rent
make sure the blank ones are at the phone bill
bottom of the list. insurance
tithe
donations
savings
Irregular Expenses college
Hairdo
medical
medicine
gifts (no more than 10)
Personal Shopping

(no more than 10)

 Friendly tip #3: Is the
number above
total
approximately your
income per $0.00
month?
If not, adjust the
numbers in the "$
Spent Per Month"
columns to the left
until the number
above is close to your
monthly income.

tip #4: In the budget, you'll occasionally see red triangles in

er right of certain cells (like on this one). Mouse over those
you'll see popup comments that might make things clearer.

p #5: One of the best ways to manage your budget is to have

"collection point" for your receipts. Each week, at a set time
unday evening), sit down and enter your receipts (and your
posit slips) in to the appropriate categories on that month's
eet. If you don't let your receipts stack up, this shouldn't take
more than 5 to 10 minutes per week!
 If you're starting your budget later on in 2009 (or
in 2010, or later), you can adjust the years in the
table below. It's totally fine
if you start in June, and then use the same
spreadsheet through the following May.

Month Year
January 2009
February 2009
March 2009
April 2009
May 2009
June 2009
July 2009
August 2009
September 2009
October 2009
November 2009
December 2009
 Amount Spent on Variable Expenses
(changing amounts, spent every month) [Feel free to change the budgeted amount (row
Jan 2009 housecare groceries dining out miscallenious 0 0
31 This This
1/1/1900 column column
1/2/1900 stays stays
1/3/1900 blank. blank.
1/4/1900
1/5/1900
1/6/1900
1/7/1900
1/8/1900
1/9/1900
1/10/1900
1/11/1900
1/12/1900
1/13/1900
1/14/1900
1/15/1900
1/16/1900
1/17/1900
1/18/1900
1/19/1900
1/20/1900
1/21/1900
1/22/1900
1/23/1900
1/24/1900
1/25/1900
1/26/1900
1/27/1900
1/28/1900
1/29/1900
1/30/1900
total spent $0.00 $0.00 $0.00 $0.00
budgeted $0.00 $0.00 $0.00 $0.00
difference $0.00 $0.00 $0.00 $0.00
Jan 2009 housecare groceries dining out miscallenious 0 0
Amount Spent on Regular Expenses Amount
(same amount, spent every month) (changing amounts, spent at random po
rent Hairdo medical medicine
phone bill
insurance
tithe
donations
savings
college
0
0
0
total: $0.00 $0.00 $0.00
Analysis for January 2009
This is a summary of the month's income and expenses. At the
How it'll
end of the month, To Use This
explain Summary
how Analysis
we did this month. It gives you Variable Expenses Budgeting vs. Actual Spen
the same info you see above, just with its own interpretation. For [ what we thought we'd spend / what we really s
a more in-depth look at your budget for the year, check out the #VALUE!
"Analysis" page.
(Keep in mind, that's just the Variable Expenses. The
page will show you how we're doing with Regular and
Expenses.)
Area Budgeted Amt. Spent Difference
Variable #VALUE! #VALUE! #VALUE!
Regular $0.00 #VALUE! #VALUE! Total Income
Irregular $0.00 #VALUE! #VALUE! Total Expenses
Total $0.00 $0.00 #VALUE! Difference
xpenses
nge the budgeted amount (row 36).]
0 0 0 0 total spent income what's left
This This This This #NAME? #VALUE!
column column column column #NAME? #VALUE!
stays stays stays stays #NAME? #VALUE!
blank. blank. blank. blank. #NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? $0.00 #VALUE!
#VALUE!
#VALUE! #VALUE!
0 0 0 0 total spent income what's left
Amount Spent on Irregular Expenses
ng amounts, spent at random points in the year) [Just enter in this month's expenses here.]
Personal
gifts 0 0 0 0 0
Shopping
This This This This This
column column column column column
stays stays stays stays stays
blank. blank. blank. blank. blank.

$0.00 $0.00
Analysis for January 2009

enses Budgeting vs. Actual Spending Income vs. Expenses Overview

ught we'd spend / what we really spent ] [ did we end up saving anything? ]
#VALUE! #VALUE!
#VALUE!
t's just the Variable Expenses. The "Analysis" (like housecare / groceries / etc.)
u how we're doing with Regular and Irregular #VALUE!
Expenses.) (like rent / phone bill / etc.)
#VALUE!
 (like Hairdo / medical / etc.)
otal Income $0.00 #VALUE!
tal Expenses #VALUE!
Difference #VALUE! You can see a chart outlining that info to the left.
 Amount Spent on Variable Expenses
(changing amounts, spent every month) [Feel free to change the budgeted amount (row
Feb 2009 housecare groceries dining out miscallenious 0 0
1 This This
2 column column
3 stays stays
4 blank. blank.
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
total spent $0.00 $0.00 $0.00 $0.00
budgeted $0.00 $0.00 $0.00 $0.00
difference $0.00 $0.00 $0.00 $0.00
Feb 2009 housecare groceries dining out miscallenious 0 0
Amount Spent on Regular Expenses Amount
(same amount, spent every month) (changing amounts, spent at random po
rent Hairdo medical medicine
phone bill
insurance
tithe
donations
savings
college
0
0
0
total: $0.00 $0.00 $0.00
Analysis for February 2009
This is a summary of the month's income and expenses. At the
How it'll
end of the month, To Use This
explain Summary
how Analysis
we did this month. It gives you Variable Expenses Budgeting vs. Actual Spen
the same info you see above, just with its own interpretation. For [ what we thought we'd spend / what we really s
a more in-depth look at your budget for the year, check out the #VALUE!
"Analysis" page.
(Keep in mind, that's just the Variable Expenses. The
page will show you how we're doing with Regular and
Expenses.)
Area Budgeted Amt. Spent Difference
Variable #VALUE! #VALUE! #VALUE!
Regular $0.00 #VALUE! #VALUE! Total Income
Irregular $0.00 #VALUE! #VALUE! Total Expenses
Total $0.00 $0.00 #VALUE! Difference
xpenses
nge the budgeted amount (row 36).]
0 0 0 0 total spent income what's left
This This This This #NAME? #VALUE!
column column column column #NAME? #VALUE!
stays stays stays stays #NAME? #VALUE!
blank. blank. blank. blank. #NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? $0.00 #VALUE!
#VALUE!
#VALUE! #VALUE!
0 0 0 0 total spent income what's left
Amount Spent on Irregular Expenses
ng amounts, spent at random points in the year) [Just enter in this month's expenses here.]
Personal
gifts 0 0 0 0 0
Shopping
This This This This This
column column column column column
stays stays stays stays stays
blank. blank. blank. blank. blank.

$0.00 $0.00
nalysis for February 2009

enses Budgeting vs. Actual Spending Income vs. Expenses Overview

ught we'd spend / what we really spent ] [ did we end up saving anything? ]
#VALUE! #VALUE!
#VALUE!
t's just the Variable Expenses. The "Analysis" (like housecare / groceries / etc.)
u how we're doing with Regular and Irregular #VALUE!
Expenses.) (like rent / phone bill / etc.)
#VALUE!
 (like Hairdo / medical / etc.)
otal Income $0.00 #VALUE!
tal Expenses #VALUE!
Difference #VALUE! You can see a chart outlining that info to the left.
 Amount Spent on Variable Expenses
(changing amounts, spent every month) [Feel free to change the budgeted amount (row
Mar 2009 housecare groceries dining out miscallenious 0 0
1 This This
2 column column
3 stays stays
4 blank. blank.
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
total spent $0.00 $0.00 $0.00 $0.00
budgeted $0.00 $0.00 $0.00 $0.00
difference $0.00 $0.00 $0.00 $0.00
Mar 2009 housecare groceries dining out miscallenious 0 0
Amount Spent on Regular Expenses Amount
(same amount, spent every month) (changing amounts, spent at random po
rent Hairdo medical medicine
phone bill
insurance
tithe
donations
savings
college
0
0
0
total: $0.00 $0.00 $0.00
Analysis for March 2009
This is a summary of the month's income and expenses. At the
How it'll
end of the month, To Use This
explain Summary
how Analysis
we did this month. It gives you Variable Expenses Budgeting vs. Actual Spen
the same info you see above, just with its own interpretation. For [ what we thought we'd spend / what we really s
a more in-depth look at your budget for the year, check out the #VALUE!
"Analysis" page.
(Keep in mind, that's just the Variable Expenses. The
page will show you how we're doing with Regular and
Expenses.)
Area Budgeted Amt. Spent Difference
Variable #VALUE! #VALUE! #VALUE!
Regular $0.00 #VALUE! #VALUE! Total Income
Irregular $0.00 #VALUE! #VALUE! Total Expenses
Total $0.00 $0.00 #VALUE! Difference
xpenses
nge the budgeted amount (row 36).]
0 0 0 0 total spent income what's left
This This This This #NAME? #VALUE!
column column column column #NAME? #VALUE!
stays stays stays stays #NAME? #VALUE!
blank. blank. blank. blank. #NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? $0.00 #VALUE!
#VALUE!
#VALUE! #VALUE!
0 0 0 0 total spent income what's left
Amount Spent on Irregular Expenses
ng amounts, spent at random points in the year) [Just enter in this month's expenses here.]
Personal
gifts 0 0 0 0 0
Shopping
This This This This This
column column column column column
stays stays stays stays stays
blank. blank. blank. blank. blank.

$0.00 $0.00
Analysis for March 2009

enses Budgeting vs. Actual Spending Income vs. Expenses Overview

ught we'd spend / what we really spent ] [ did we end up saving anything? ]
#VALUE! #VALUE!
#VALUE!
t's just the Variable Expenses. The "Analysis" (like housecare / groceries / etc.)
u how we're doing with Regular and Irregular #VALUE!
Expenses.) (like rent / phone bill / etc.)
#VALUE!
 (like Hairdo / medical / etc.)
otal Income $0.00 #VALUE!
tal Expenses #VALUE!
Difference #VALUE! You can see a chart outlining that info to the left.
 Amount Spent on Variable Expenses
(changing amounts, spent every month) [Feel free to change the budgeted amount (row
Apr 2009 housecare groceries dining out miscallenious 0 0
1 This This
2 column column
3 stays stays
4 blank. blank.
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
total spent $0.00 $0.00 $0.00 $0.00
budgeted $0.00 $0.00 $0.00 $0.00
difference $0.00 $0.00 $0.00 $0.00
Apr 2009 housecare groceries dining out miscallenious 0 0
Amount Spent on Regular Expenses Amount
(same amount, spent every month) (changing amounts, spent at random po
rent Hairdo medical medicine
phone bill
insurance
tithe
donations
savings
college
0
0
0
total: $0.00 $0.00 $0.00
Analysis for April 2009
This is a summary of the month's income and expenses. At the
How it'll
end of the month, To Use This
explain Summary
how Analysis
we did this month. It gives you Variable Expenses Budgeting vs. Actual Spen
the same info you see above, just with its own interpretation. For [ what we thought we'd spend / what we really s
a more in-depth look at your budget for the year, check out the #VALUE!
"Analysis" page.
(Keep in mind, that's just the Variable Expenses. The
page will show you how we're doing with Regular and
Expenses.)
Area Budgeted Amt. Spent Difference
Variable #VALUE! #VALUE! #VALUE!
Regular $0.00 #VALUE! #VALUE! Total Income
Irregular $0.00 #VALUE! #VALUE! Total Expenses
Total $0.00 $0.00 #VALUE! Difference
xpenses
nge the budgeted amount (row 36).]
0 0 0 0 total spent income what's left
This This This This #NAME? #VALUE!
column column column column #NAME? #VALUE!
stays stays stays stays #NAME? #VALUE!
blank. blank. blank. blank. #NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? $0.00 #VALUE!
#VALUE!
#VALUE! #VALUE!
0 0 0 0 total spent income what's left
Amount Spent on Irregular Expenses
ng amounts, spent at random points in the year) [Just enter in this month's expenses here.]
Personal
gifts 0 0 0 0 0
Shopping
This This This This This
column column column column column
stays stays stays stays stays
blank. blank. blank. blank. blank.

$0.00 $0.00
Analysis for April 2009

enses Budgeting vs. Actual Spending Income vs. Expenses Overview

ught we'd spend / what we really spent ] [ did we end up saving anything? ]
#VALUE! #VALUE!
#VALUE!
t's just the Variable Expenses. The "Analysis" (like housecare / groceries / etc.)
u how we're doing with Regular and Irregular #VALUE!
Expenses.) (like rent / phone bill / etc.)
#VALUE!
 (like Hairdo / medical / etc.)
otal Income $0.00 #VALUE!
tal Expenses #VALUE!
Difference #VALUE! You can see a chart outlining that info to the left.
 Amount Spent on Variable Expenses
(changing amounts, spent every month) [Feel free to change the budgeted amount (row
May 2009 housecare groceries dining out miscallenious 0 0
1 This This
2 column column
3 stays stays
4 blank. blank.
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
total spent $0.00 $0.00 $0.00 $0.00
budgeted $0.00 $0.00 $0.00 $0.00
difference $0.00 $0.00 $0.00 $0.00
May 2009 housecare groceries dining out miscallenious 0 0
Amount Spent on Regular Expenses Amount
(same amount, spent every month) (changing amounts, spent at random po
rent Hairdo medical medicine
phone bill
insurance
tithe
donations
savings
college
0
0
0
total: $0.00 $0.00 $0.00
Analysis for May 2009
This is a summary of the month's income and expenses. At the
How it'll
end of the month, To Use This
explain Summary
how Analysis
we did this month. It gives you Variable Expenses Budgeting vs. Actual Spen
the same info you see above, just with its own interpretation. For [ what we thought we'd spend / what we really s
a more in-depth look at your budget for the year, check out the #VALUE!
"Analysis" page.
(Keep in mind, that's just the Variable Expenses. The
page will show you how we're doing with Regular and
Expenses.)
Area Budgeted Amt. Spent Difference
Variable #VALUE! #VALUE! #VALUE!
Regular $0.00 #VALUE! #VALUE! Total Income
Irregular $0.00 #VALUE! #VALUE! Total Expenses
Total $0.00 $0.00 #VALUE! Difference
xpenses
nge the budgeted amount (row 36).]
0 0 0 0 total spent income what's left
This This This This #NAME? #VALUE!
column column column column #NAME? #VALUE!
stays stays stays stays #NAME? #VALUE!
blank. blank. blank. blank. #NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? $0.00 #VALUE!
#VALUE!
#VALUE! #VALUE!
0 0 0 0 total spent income what's left
Amount Spent on Irregular Expenses
ng amounts, spent at random points in the year) [Just enter in this month's expenses here.]
Personal
gifts 0 0 0 0 0
Shopping
This This This This This
column column column column column
stays stays stays stays stays
blank. blank. blank. blank. blank.

$0.00 $0.00
Analysis for May 2009

enses Budgeting vs. Actual Spending Income vs. Expenses Overview

ught we'd spend / what we really spent ] [ did we end up saving anything? ]
#VALUE! #VALUE!
#VALUE!
t's just the Variable Expenses. The "Analysis" (like housecare / groceries / etc.)
u how we're doing with Regular and Irregular #VALUE!
Expenses.) (like rent / phone bill / etc.)
#VALUE!
 (like Hairdo / medical / etc.)
otal Income $0.00 #VALUE!
tal Expenses #VALUE!
Difference #VALUE! You can see a chart outlining that info to the left.
 Amount Spent on Variable Expenses
(changing amounts, spent every month) [Feel free to change the budgeted amount (row
Jun 2009 housecare groceries dining out miscallenious 0 0
1 This This
2 column column
3 stays stays
4 blank. blank.
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
total spent $0.00 $0.00 $0.00 $0.00
budgeted $0.00 $0.00 $0.00 $0.00
difference $0.00 $0.00 $0.00 $0.00
Jun 2009 housecare groceries dining out miscallenious 0 0
Amount Spent on Regular Expenses Amount
(same amount, spent every month) (changing amounts, spent at random po
rent Hairdo medical medicine
phone bill
insurance
tithe
donations
savings
college
0
0
0
total: $0.00 $0.00 $0.00
Analysis for June 2009
This is a summary of the month's income and expenses. At the
How it'll
end of the month, To Use This
explain Summary
how Analysis
we did this month. It gives you Variable Expenses Budgeting vs. Actual Spen
the same info you see above, just with its own interpretation. For [ what we thought we'd spend / what we really s
a more in-depth look at your budget for the year, check out the #VALUE!
"Analysis" page.
(Keep in mind, that's just the Variable Expenses. The
page will show you how we're doing with Regular and
Expenses.)
Area Budgeted Amt. Spent Difference
Variable #VALUE! #VALUE! #VALUE!
Regular $0.00 #VALUE! #VALUE! Total Income
Irregular $0.00 #VALUE! #VALUE! Total Expenses
Total $0.00 $0.00 #VALUE! Difference
xpenses
nge the budgeted amount (row 36).]
0 0 0 0 total spent income what's left
This This This This #NAME? #VALUE!
column column column column #NAME? #VALUE!
stays stays stays stays #NAME? #VALUE!
blank. blank. blank. blank. #NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? $0.00 #VALUE!
#VALUE!
#VALUE! #VALUE!
0 0 0 0 total spent income what's left
Amount Spent on Irregular Expenses
ng amounts, spent at random points in the year) [Just enter in this month's expenses here.]
Personal
gifts 0 0 0 0 0
Shopping
This This This This This
column column column column column
stays stays stays stays stays
blank. blank. blank. blank. blank.

$0.00 $0.00
Analysis for June 2009

enses Budgeting vs. Actual Spending Income vs. Expenses Overview

ught we'd spend / what we really spent ] [ did we end up saving anything? ]
#VALUE! #VALUE!
#VALUE!
t's just the Variable Expenses. The "Analysis" (like housecare / groceries / etc.)
u how we're doing with Regular and Irregular #VALUE!
Expenses.) (like rent / phone bill / etc.)
#VALUE!
 (like Hairdo / medical / etc.)
otal Income $0.00 #VALUE!
tal Expenses #VALUE!
Difference #VALUE! You can see a chart outlining that info to the left.
 Amount Spent on Variable Expenses
(changing amounts, spent every month) [Feel free to change the budgeted amount (row
Jul 2009 housecare groceries dining out miscallenious 0 0
1 This This
2 column column
3 stays stays
4 blank. blank.
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
total spent $0.00 $0.00 $0.00 $0.00
budgeted $0.00 $0.00 $0.00 $0.00
difference $0.00 $0.00 $0.00 $0.00
Jul 2009 housecare groceries dining out miscallenious 0 0
Amount Spent on Regular Expenses Amount
(same amount, spent every month) (changing amounts, spent at random po
rent Hairdo medical medicine
phone bill
insurance
tithe
donations
savings
college
0
0
0
total: $0.00 $0.00 $0.00
Analysis for July 2009
This is a summary of the month's income and expenses. At the
How it'll
end of the month, To Use This
explain Summary
how Analysis
we did this month. It gives you Variable Expenses Budgeting vs. Actual Spen
the same info you see above, just with its own interpretation. For [ what we thought we'd spend / what we really s
a more in-depth look at your budget for the year, check out the #VALUE!
"Analysis" page.
(Keep in mind, that's just the Variable Expenses. The
page will show you how we're doing with Regular and
Expenses.)
Area Budgeted Amt. Spent Difference
Variable #VALUE! #VALUE! #VALUE!
Regular $0.00 #VALUE! #VALUE! Total Income
Irregular $0.00 #VALUE! #VALUE! Total Expenses
Total $0.00 $0.00 #VALUE! Difference
xpenses
nge the budgeted amount (row 36).]
0 0 0 0 total spent income what's left
This This This This #NAME? #VALUE!
column column column column #NAME? #VALUE!
stays stays stays stays #NAME? #VALUE!
blank. blank. blank. blank. #NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? $0.00 #VALUE!
#VALUE!
#VALUE! #VALUE!
0 0 0 0 total spent income what's left
Amount Spent on Irregular Expenses
ng amounts, spent at random points in the year) [Just enter in this month's expenses here.]
Personal
gifts 0 0 0 0 0
Shopping
This This This This This
column column column column column
stays stays stays stays stays
blank. blank. blank. blank. blank.

$0.00 $0.00
Analysis for July 2009

enses Budgeting vs. Actual Spending Income vs. Expenses Overview

ught we'd spend / what we really spent ] [ did we end up saving anything? ]
#VALUE! #VALUE!
#VALUE!
t's just the Variable Expenses. The "Analysis" (like housecare / groceries / etc.)
u how we're doing with Regular and Irregular #VALUE!
Expenses.) (like rent / phone bill / etc.)
#VALUE!
 (like Hairdo / medical / etc.)
otal Income $0.00 #VALUE!
tal Expenses #VALUE!
Difference #VALUE! You can see a chart outlining that info to the left.
 Amount Spent on Variable Expenses
(changing amounts, spent every month) [Feel free to change the budgeted amount (row
Aug 2009 housecare groceries dining out miscallenious 0 0
1 This This
2 column column
3 stays stays
4 blank. blank.
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
total spent $0.00 $0.00 $0.00 $0.00
budgeted $0.00 $0.00 $0.00 $0.00
difference $0.00 $0.00 $0.00 $0.00
Aug 2009 housecare groceries dining out miscallenious 0 0
Amount Spent on Regular Expenses Amount
(same amount, spent every month) (changing amounts, spent at random po
rent Hairdo medical medicine
phone bill
insurance
tithe
donations
savings
college
0
0
0
total: $0.00 $0.00 $0.00
Analysis for August 2009
This is a summary of the month's income and expenses. At the
How it'll
end of the month, To Use This
explain Summary
how Analysis
we did this month. It gives you Variable Expenses Budgeting vs. Actual Spen
the same info you see above, just with its own interpretation. For [ what we thought we'd spend / what we really s
a more in-depth look at your budget for the year, check out the #VALUE!
"Analysis" page.
(Keep in mind, that's just the Variable Expenses. The
page will show you how we're doing with Regular and
Expenses.)
Area Budgeted Amt. Spent Difference
Variable #VALUE! #VALUE! #VALUE!
Regular $0.00 #VALUE! #VALUE! Total Income
Irregular $0.00 #VALUE! #VALUE! Total Expenses
Total $0.00 $0.00 #VALUE! Difference
xpenses
nge the budgeted amount (row 36).]
0 0 0 0 total spent income what's left
This This This This #NAME? #VALUE!
column column column column #NAME? #VALUE!
stays stays stays stays #NAME? #VALUE!
blank. blank. blank. blank. #NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? $0.00 #VALUE!
#VALUE!
#VALUE! #VALUE!
0 0 0 0 total spent income what's left
Amount Spent on Irregular Expenses
ng amounts, spent at random points in the year) [Just enter in this month's expenses here.]
Personal
gifts 0 0 0 0 0
Shopping
This This This This This
column column column column column
stays stays stays stays stays
blank. blank. blank. blank. blank.

$0.00 $0.00
Analysis for August 2009

enses Budgeting vs. Actual Spending Income vs. Expenses Overview

ught we'd spend / what we really spent ] [ did we end up saving anything? ]
#VALUE! #VALUE!
#VALUE!
t's just the Variable Expenses. The "Analysis" (like housecare / groceries / etc.)
u how we're doing with Regular and Irregular #VALUE!
Expenses.) (like rent / phone bill / etc.)
#VALUE!
 (like Hairdo / medical / etc.)
otal Income $0.00 #VALUE!
tal Expenses #VALUE!
Difference #VALUE! You can see a chart outlining that info to the left.
 Amount Spent on Variable Expenses
(changing amounts, spent every month) [Feel free to change the budgeted amount (row
Sep 2009 housecare groceries dining out miscallenious 0 0
1 This This
2 column column
3 stays stays
4 blank. blank.
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
total spent $0.00 $0.00 $0.00 $0.00
budgeted $0.00 $0.00 $0.00 $0.00
difference $0.00 $0.00 $0.00 $0.00
Sep 2009 housecare groceries dining out miscallenious 0 0
Amount Spent on Regular Expenses Amount
(same amount, spent every month) (changing amounts, spent at random po
rent Hairdo medical medicine
phone bill
insurance
tithe
donations
savings
college
0
0
0
total: $0.00 $0.00 $0.00
Analysis for September 2009
This is a summary of the month's income and expenses. At the
How it'll
end of the month, To Use This
explain Summary
how Analysis
we did this month. It gives you Variable Expenses Budgeting vs. Actual Spen
the same info you see above, just with its own interpretation. For [ what we thought we'd spend / what we really s
a more in-depth look at your budget for the year, check out the #VALUE!
"Analysis" page.
(Keep in mind, that's just the Variable Expenses. The
page will show you how we're doing with Regular and
Expenses.)
Area Budgeted Amt. Spent Difference
Variable #VALUE! #VALUE! #VALUE!
Regular $0.00 #VALUE! #VALUE! Total Income
Irregular $0.00 #VALUE! #VALUE! Total Expenses
Total $0.00 $0.00 #VALUE! Difference
xpenses
nge the budgeted amount (row 36).]
0 0 0 0 total spent income what's left
This This This This #NAME? #VALUE!
column column column column #NAME? #VALUE!
stays stays stays stays #NAME? #VALUE!
blank. blank. blank. blank. #NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? $0.00 #VALUE!
#VALUE!
#VALUE! #VALUE!
0 0 0 0 total spent income what's left
Amount Spent on Irregular Expenses
ng amounts, spent at random points in the year) [Just enter in this month's expenses here.]
Personal
gifts 0 0 0 0 0
Shopping
This This This This This
column column column column column
stays stays stays stays stays
blank. blank. blank. blank. blank.

$0.00 $0.00
nalysis for September 2009

enses Budgeting vs. Actual Spending Income vs. Expenses Overview

ught we'd spend / what we really spent ] [ did we end up saving anything? ]
#VALUE! #VALUE!
#VALUE!
t's just the Variable Expenses. The "Analysis" (like housecare / groceries / etc.)
u how we're doing with Regular and Irregular #VALUE!
Expenses.) (like rent / phone bill / etc.)
#VALUE!
 (like Hairdo / medical / etc.)
otal Income $0.00 #VALUE!
tal Expenses #VALUE!
Difference #VALUE! You can see a chart outlining that info to the left.
 Amount Spent on Variable Expenses
(changing amounts, spent every month) [Feel free to change the budgeted amount (row
Oct 2009 housecare groceries dining out miscallenious 0 0
1 This This
2 column column
3 stays stays
4 blank. blank.
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
total spent $0.00 $0.00 $0.00 $0.00
budgeted $0.00 $0.00 $0.00 $0.00
difference $0.00 $0.00 $0.00 $0.00
Oct 2009 housecare groceries dining out miscallenious 0 0
Amount Spent on Regular Expenses Amount
(same amount, spent every month) (changing amounts, spent at random po
rent Hairdo medical medicine
phone bill
insurance
tithe
donations
savings
college
0
0
0
total: $0.00 $0.00 $0.00
Analysis for October 2009
This is a summary of the month's income and expenses. At the
How it'll
end of the month, To Use This
explain Summary
how Analysis
we did this month. It gives you Variable Expenses Budgeting vs. Actual Spen
the same info you see above, just with its own interpretation. For [ what we thought we'd spend / what we really s
a more in-depth look at your budget for the year, check out the #VALUE!
"Analysis" page.
(Keep in mind, that's just the Variable Expenses. The
page will show you how we're doing with Regular and
Expenses.)
Area Budgeted Amt. Spent Difference
Variable #VALUE! #VALUE! #VALUE!
Regular $0.00 #VALUE! #VALUE! Total Income
Irregular $0.00 #VALUE! #VALUE! Total Expenses
Total $0.00 $0.00 #VALUE! Difference
xpenses
nge the budgeted amount (row 36).]
0 0 0 0 total spent income what's left
This This This This #NAME? #VALUE!
column column column column #NAME? #VALUE!
stays stays stays stays #NAME? #VALUE!
blank. blank. blank. blank. #NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? $0.00 #VALUE!
#VALUE!
#VALUE! #VALUE!
0 0 0 0 total spent income what's left
Amount Spent on Irregular Expenses
ng amounts, spent at random points in the year) [Just enter in this month's expenses here.]
Personal
gifts 0 0 0 0 0
Shopping
This This This This This
column column column column column
stays stays stays stays stays
blank. blank. blank. blank. blank.

$0.00 $0.00
Analysis for October 2009

enses Budgeting vs. Actual Spending Income vs. Expenses Overview

ught we'd spend / what we really spent ] [ did we end up saving anything? ]
#VALUE! #VALUE!
#VALUE!
t's just the Variable Expenses. The "Analysis" (like housecare / groceries / etc.)
u how we're doing with Regular and Irregular #VALUE!
Expenses.) (like rent / phone bill / etc.)
#VALUE!
 (like Hairdo / medical / etc.)
otal Income $0.00 #VALUE!
tal Expenses #VALUE!
Difference #VALUE! You can see a chart outlining that info to the left.
 Amount Spent on Variable Expenses
(changing amounts, spent every month) [Feel free to change the budgeted amount (row
Nov 2009 housecare groceries dining out miscallenious 0 0
1 This This
2 column column
3 stays stays
4 blank. blank.
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
total spent $0.00 $0.00 $0.00 $0.00
budgeted $0.00 $0.00 $0.00 $0.00
difference $0.00 $0.00 $0.00 $0.00
Nov 2009 housecare groceries dining out miscallenious 0 0
Amount Spent on Regular Expenses Amount
(same amount, spent every month) (changing amounts, spent at random po
rent Hairdo medical medicine
phone bill
insurance
tithe
donations
savings
college
0
0
0
total: $0.00 $0.00 $0.00
Analysis for November 2009
This is a summary of the month's income and expenses. At the
How it'll
end of the month, To Use This
explain Summary
how Analysis
we did this month. It gives you Variable Expenses Budgeting vs. Actual Spen
the same info you see above, just with its own interpretation. For [ what we thought we'd spend / what we really s
a more in-depth look at your budget for the year, check out the #VALUE!
"Analysis" page.
(Keep in mind, that's just the Variable Expenses. The
page will show you how we're doing with Regular and
Expenses.)
Area Budgeted Amt. Spent Difference
Variable #VALUE! #VALUE! #VALUE!
Regular $0.00 #VALUE! #VALUE! Total Income
Irregular $0.00 #VALUE! #VALUE! Total Expenses
Total $0.00 $0.00 #VALUE! Difference
xpenses
nge the budgeted amount (row 36).]
0 0 0 0 total spent income what's left
This This This This #NAME? #VALUE!
column column column column #NAME? #VALUE!
stays stays stays stays #NAME? #VALUE!
blank. blank. blank. blank. #NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? $0.00 #VALUE!
#VALUE!
#VALUE! #VALUE!
0 0 0 0 total spent income what's left
Amount Spent on Irregular Expenses
ng amounts, spent at random points in the year) [Just enter in this month's expenses here.]
Personal
gifts 0 0 0 0 0
Shopping
This This This This This
column column column column column
stays stays stays stays stays
blank. blank. blank. blank. blank.

$0.00 $0.00
nalysis for November 2009

enses Budgeting vs. Actual Spending Income vs. Expenses Overview

ught we'd spend / what we really spent ] [ did we end up saving anything? ]
#VALUE! #VALUE!
#VALUE!
t's just the Variable Expenses. The "Analysis" (like housecare / groceries / etc.)
u how we're doing with Regular and Irregular #VALUE!
Expenses.) (like rent / phone bill / etc.)
#VALUE!
 (like Hairdo / medical / etc.)
otal Income $0.00 #VALUE!
tal Expenses #VALUE!
Difference #VALUE! You can see a chart outlining that info to the left.
 Amount Spent on Variable Expenses
(changing amounts, spent every month) [Feel free to change the budgeted amount (row
Dec 2009 housecare groceries dining out miscallenious 0 0
1 This This
2 column column
3 stays stays
4 blank. blank.
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
total spent $0.00 $0.00 $0.00 $0.00
budgeted $0.00 $0.00 $0.00 $0.00
difference $0.00 $0.00 $0.00 $0.00
Dec 2009 housecare groceries dining out miscallenious 0 0
Amount Spent on Regular Expenses Amoun
(same amount, spent every month) (changing amounts, spent at random p
rent Hairdo medical medicine
phone bill
insurance
tithe
donations
savings
college
0
0
0
total: $0.00 $0.00 $0.00
Analysis for December 2009
This is a summary of the month's income and expenses. At the
How it'll
end of the month, To Use This
explain Summary
how Analysis
we did this month. It gives you Variable Expenses Budgeting vs. Actual Sp
the same info you see above, just with its own interpretation. For [ what we thought we'd spend / what we really
a more in-depth look at your budget for the year, check out the #VALUE!
"Analysis" page.
(Keep in mind, that's just the Variable Expenses. Th
page will show you how we're doing with Regular a
Expenses.)
Area Budgeted Amt. Spent Difference
Variable #VALUE! #VALUE! #VALUE!
Regular $0.00 #VALUE! #VALUE! Total Income
Irregular $0.00 #VALUE! #VALUE! Total Expenses
Total $0.00 $0.00 #VALUE! Difference
penses
ge the budgeted amount (row 36).]
0 0 0 0 total spent income what's left
This This This This #NAME? #VALUE!
column column column column #NAME? #VALUE!
stays stays stays stays #NAME? #VALUE!
blank. blank. blank. blank. #NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? $0.00 #VALUE!
#VALUE!
#VALUE! #VALUE!
0 0 0 0 total spent income what's left
Amount Spent on Irregular Expenses
g amounts, spent at random points in the year) [Just enter in this month's expenses here.]
Personal
gifts 0 0 0 0 0
Shopping
This This This This This
column column column column column
stays stays stays stays stays
blank. blank. blank. blank. blank.

$0.00 $0.00
alysis for December 2009

enses Budgeting vs. Actual Spending Income vs. Expenses Overview

ught we'd spend / what we really spent ] [ did we end up saving anything? ]
#VALUE! #VALUE!
#VALUE!
t's just the Variable Expenses. The "Analysis" (like housecare / groceries / etc.)
u how we're doing with Regular and Irregular #VALUE!
Expenses.) (like rent / phone bill / etc.)
#VALUE!
 (like Hairdo / medical / etc.)
otal Income $0.00 #VALUE!
tal Expenses #VALUE!
Difference #VALUE! You can see a chart outlining that info to the left.
 Don't change anything on this page. Every cell on this spreadsheet is defined elsewhere in

Regular Monthly Budgeted

Regular Expenses: Amoun
Spending Area Amount
Jan Feb Mar Apr May
rent $0.00 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
phone bill $0.00 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
insurance $0.00 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
tithe $0.00 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
donations $0.00 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
savings $0.00 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
college $0.00 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
0 $0.00 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
0 $0.00 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
0 $0.00 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
Total $0.00 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

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Irregular Monthly Budgeted

Irregular Expenses: Amoun
Spending Area Amount
Jan Feb Mar Apr May
Hairdo $0.00 ($0 / yr) #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
medical $0.00 ($0 / yr) #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
medicine $0.00 ($0 / yr) #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
gifts $0.00 ($0 / yr) #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
Personal Shopping $0.00 ($0 / yr) #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
0 $0.00 ($0 / yr) #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
0 $0.00 ($0 / yr) #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
0 $0.00 ($0 / yr) #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
0 $0.00 ($0 / yr) #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
0 $0.00 ($0 / yr) #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
Total $0.00 ($0 / yr) #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

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

Variable Expenses Jan Feb Mar Apr May

housecare spent #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
budgeted #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
difference #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
groceries spent #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
budgeted #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
difference #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
dining out spent #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
budgeted #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
difference #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
miscallenious spent #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
budgeted #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
difference #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
0 spent #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
budgeted #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
difference #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
0 spent #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
budgeted #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
difference #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
0 spent #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
budgeted #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
difference #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
0 spent #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
budgeted #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
difference #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
0 spent #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
 budgeted #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
difference #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
0 spent #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
budgeted #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
Totals difference #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
(Variable spent #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
Expenses) budgeted #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
difference #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

active months Summary Jan Feb Mar Apr May

so far: Total Income $0.00 $0.00 $0.00 $0.00 $0.00
Reg. Expenses #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
Irreg. Expenses #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
Variable Expenses #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
Total Expenses #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#REF! Balance #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

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

Regular Expenses: Amount Spent In ... Total Spent

Jun Jul Aug Sep Oct Nov Dec
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00

nation? Our PayPal address is charlie@pearbudget.com. Thanks so much!

Irregular Expenses: Amount Spent In ... Total Spent

Jun Jul Aug Sep Oct Nov Dec
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00

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

Jun Jul Aug Sep Oct Nov Dec Total

#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
 #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00

Jun Jul Aug Sep Oct Nov Dec Total

$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! $0.00
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!
#VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE!

nation? Our PayPal address is charlie@pearbudget.com. Thanks so much!

Year in Summary
Regular Expenses #VALUE!
Irregular Expenses #VALUE!
Variable Expenses #VALUE!
Total Expenses #VALUE!
Total Income $0.00
#VALUE! #VALUE!
Amount Left

#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!

#VALUE!

Amount Left

#REF!
#REF!
#REF!
#REF!
#REF!

$0.00

Average
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
 #VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!

Average
#REF!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!

#VALUE!
#VALUE!
#VALUE!
#VALUE!
$0.00
#VALUE!
 Amount Spent on Variable Expenses
(changing amounts, spent every month) [Feel free to change the budgeted amount (row
EXAMPLE housecare groceries dining out car gas haircuts misc.
1
2 $89.88 $22.00
3
4
5 $10.00 $8.50
6 $11.14
7
8
9 $104.09 $19.00 $37.00
10
11
12
13 $25.00
14
15 $57.50 $24.00
16 $94.21
17
18
19
20 $16.00
21
22 $80.05 $17.17
23
24
25 $5.22
26
27 $25.11 $15.00
28
29 $25.00
30
31
total spent $15.22 $404.48 $82.50 $96.00 $37.00 $50.67
budgeted $30.00 $400.00 $85.00 $100.00 $35.00 $55.50
difference $14.78 -$4.48 $2.50 $4.00 -$2.00 $4.83
EXAMPLE housecare groceries dining out car gas haircuts misc.
Amount Spent on Regular Expenses Amount
(same amount, spent every month) (changing amounts, spent at random po
rent $900.00 car maint. medical medicine
phone bill $64.50 $183.10
insurance $130.00 $16.93
tithe $255.00
donations $30.00
savings $50.00
college $50.00
0
0
0
total: $200.03 $0.00 $0.00
Analysis for EXAMPLE MONTH
This is a summary of the month's income and expenses. At the
How it'll
end of the month, To Use This
explain Summary
how Analysis
we did this month. It gives you Variable Expenses Budgeting vs. Actual Spen
the same info you see above, just with its own interpretation. For [ what we thought we'd spend / what we really s
a more in-depth look at your budget for the year, check out the #VALUE!
"Analysis" page.
(Keep in mind, that's just the Variable Expenses. The
page will show you how we're doing with Regular and
Expenses.)
Area Budgeted Amt. Spent Difference
Variable $705.50 #VALUE! #VALUE!
Regular $1,469.50 #VALUE! #VALUE! Total Income
Irregular $375.00 #VALUE! #VALUE! Total Expenses
Total $2,550.00 $0.00 #VALUE! Difference
 This is how your budget might look at
xpenses
the end of a month.
nge the budgeted amount (row 36).]
0 0 0 0 total spent income what's left
This This This This #NAME? $2,100.00 #VALUE!
column column column column #NAME? #VALUE!
stays stays stays stays #NAME? #VALUE!
blank. blank. blank. blank. #NAME? #VALUE!
#NAME? $300.00 #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? $200.00 #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? #VALUE!
#NAME? $2,600.00 #VALUE!
$705.50
#VALUE! #VALUE!
0 0 0 0 total spent income what's left
Amount Spent on Irregular Expenses
ng amounts, spent at random points in the year) [Just enter in this month's expenses here.]
gifts 0 0 0 0 0 0
$18.12 This This This This This This
column column column column column column
stays stays stays stays stays stays
blank. blank. blank. blank. blank. blank.

$18.12
alysis for EXAMPLE MONTH

enses Budgeting vs. Actual Spending Income vs. Expenses Overview

ught we'd spend / what we really spent ] [ did we end up saving anything? ]
#VALUE! #VALUE!
#VALUE!
t's just the Variable Expenses. The "Analysis" (like housecare / groceries / etc.)
u how we're doing with Regular and Irregular #VALUE!
Expenses.) (like rent / phone bill / etc.)
#VALUE!
 (like car maint. / medical / etc.)
otal Income $2,600.00 #VALUE!
tal Expenses #VALUE!
Difference #VALUE! You can see a chart outlining that info to the left.