Budget Master

Vertex42 ®
Money Manager
INSTRUCTIONS © 2010 Vertex42 LLC
HELP
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: Input Cell
- Some of the labels include cell comments (marked with little red triangles) to provide
extra help information. Label
- 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 1 Customize 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 2 Define 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. ** ACCOUNTS **
Barclaycard Arrival Plus
JOINT CHK
CHECKING
JOEL'S PLATINUM CARD
JOEL'S CUSTOM MANAGEMENT RM
PERSONAL LINE OF CREDIT
To add more accounts, insert rows above this line. [End of List]
Step 3 Define your Yearly Budget

Define your budget using the Budget worksheet. Edit only the cells with the gray outline. How to Budget: Budgeting Tips
See Vertex42.com and the blog Vertex42Blog.com for tips on budgeting. Vertex42 Blog: 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 example,
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 4 Record 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 [Transfer] : Normal background color to identify
category is not found in the Categories worksheet, BROWN if the category is not found in [Balance] : Normal background color to identify
the Yearly or Monthly worksheet, and GRAY if the category is blank, [Transfer], or [Balance]Blah Blah : Category not found in the Categorie
If the formatting isn't copied correctly, you'll lose this double-check feature. So again, this Blah Blah : Category not found in the Budget o
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.
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.

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:
CreditCard 1/1/10 The Big Store Appliances 50.00
Recording the Return:

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
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:

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 5 Track 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).
>> Excel Tips
d Arrival Plus
LATINUM CARD
USTOM MANAGEMENT RM
AL LINE OF CREDIT
get: Budgeting Tips

og: Budgeting
: Normal background color to identify Transfers
: Normal background color to identify Beginning Balance
: Category not found in the Categories worksheet
: Category not found in the Budget or Report worksheets
Yearly Budget Planner
HELP 1425 1765 © 2010 Vertex42 LLC
2175 1500 625 3125 4625 2860 4860 1620
Starting Balance [42] Total
Total Income 7,100 7,100 7,100 7,100 7,100 7,100 7,100 7,100 7,100 7,100 7,100 7,100 85,200
Total Expenses 8,559 8,559 8,559 8,559 8,559 8,559 8,559 8,559 8,559 8,559 8,559 8,559 102,712
NET (Income - Expenses) -1,459 -1,459 -1,459 -1,459 -1,459 -1,459 -1,459 -1,459 -1,459 -1,459 -1,459 -1,459 -17,512
Projected End Balance -1,459 -2,919 -4,378 -5,837 -7,297 -8,756 -10,215 -11,675 -13,134 -14,593 -16,053 -17,512
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total
INCOME
Wages & Tips 0
Total INCOME 7,100 7,100 7,100 7,100 7,100 7,100 7,100 7,100 7,100 7,100 7,100 7,100 85,200
TO SAVINGS
Emergency Fund 200 200 200 200 200 200 200 200 200 200 200 200 2,400
Retirement Fund 0 0 0 0 0 0 0 0 0 0 0 0
College Fund 150 150 150 150 150 150 150 150 150 150 150 150 1,800
SAVINGS -Other 0 0 0 0 0 0 0 0 0 0 0 0
Total TO SAVINGS 350 350
% of Income 4.9% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.4%
HOUSING
Mortgage & Rent 1,675 1,675 1,675 1,675 1,675 1,675 1,675 1,675 1,675 1,675 1,675 1,675 20,100
Improvements 0 0 0 0 0 0 0 0 0 0 0 0 0
Total HOUSING 1,675 1,675 1,675 1,675 1,675 1,675 1,675 1,675 1,675 1,675 1,675 1,675 20,100
% of Income 23.6% 23.6% 23.6% 23.6% 23.6% 23.6% 23.6% 23.6% 23.6% 23.6% 23.6% 23.6% 23.6%
UTILITIES
Electric Bill 175 175 175 175 175 175 175 175 175 175 175 175 2,100
Water 60 60 60 60 60 60 60 60 60 60 60 60 720
Sewer/Trash 53 53 53 53 53 53 53 53 53 53 53 53 640
Mobile Phone 150 150 150 150 150 150 150 150 150 150 150 150 1,800
Internet 75 75 75 75 75 75 75 75 75 75 75 75 900
Total UTILITIES 513 513 513 513 513 513 513 513 513 513 513 513 6,160
% of Income 7.2% 7.2% 7.2% 7.2% 7.2% 7.2% 7.2% 7.2% 7.2% 7.2% 7.2% 7.2% 7.2%
FOOD
Groceries 1,200 1,200 1,200 1,200 1,200 1,200 1,200 1,200 1,200 1,200 1,200 1,200 14,400
Dining/Eating Out 100 100 100 100 100 100 100 100 100 100 100 100 1,200
Pet Food 0 0 0 0 0 0 0 0 0 0 0 0
FOOD - Other 180 180 180 180 180 180 180 180 180 180 180 180 2,160
Total FOOD 1,480 1,480 1,480 1,480 1,480 1,480 1,480 1,480 1,480 1,480 1,480 1,480 17,760
% of Income 20.8% 20.8% 20.8% 20.8% 20.8% 20.8% 20.8% 20.8% 20.8% 20.8% 20.8% 20.8% 20.8%
TRANSPORTATION
Vehicle Payments 0 0 0 0 0 0 0 0 0 0 0 0 0
Auto Insurance 255 255 255 255 255 255 255 255 255 255 255 255 3,060
Fuel 400 400 400 400 400 400 400 400 400 400 400 400 4,800
Repairs/Tires 0 0 0 0 0 0 0 0 0 0 0 0
Registration/License 0 0 0 0 0 0 0 0 0 0 0 0
TRANSPORTATION - Other 0 0 0 0 0 0 0 0 0 0 0 0
Total TRANSPORTATION 655 655
% of Income 9.2% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.8%
HEALTH
Health Insurance 0 0 0 0 0 0 0 0 0 0 0 0
Disability Insurance 82 82 82 82 82 82 82 82 82 82 82 82 984
Doctor/Dentist/Optometrist 0 0 0 0 0 0 0 0 0 0 0 0
Medicine/Drugs 0 0 0 0 0 0 0 0 0 0 0 0
Health Club Dues 75 75 75 75 75 75 75 75 75 75 75 75 900
Physical Therapy 0 0 0 0 0 0 0 0 0 0 0 0 0
Veterinarian/Pet Care 0 0 0 0 0 0 0 0 0 0 0 0 0
HEALTH - Other joel 0 0 0 0 0 0 0 0 0 0 0 0 0
Total HEALTH 157 157 157 157 157 157 157 157 157 157 157 157 1,884
% of Income 2.2% 2.2% 2.2% 2.2% 2.2% 2.2% 2.2% 2.2% 2.2% 2.2% 2.2% 2.2% 2.2%
DAILY LIVING
Personal Care 0 0 0 0 0 0 0 0 0 0 0 0
DAILY LIVING - Other 0 0 0 0 0 0 0 0 0 0 0 0
Total DAILY LIVING 0 0
% of Income 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
CHILDREN
Children:College 0 0 0 0 0 0 0 0 0 0 0 0
michelle and purple door 1,200 1,200 1,200 1,200 1,200 1,200 1,200 1,200 1,200 1,200 1,200 1,200
Swimming 180 180 180 180 180 180 180 180 180 180 180 180 2,160
Toys/Games 0 0 0 0 0 0 0 0 0 0 0 0 0
karate 205 205 205 205 205 205 205 205 205 205 205 205 2,460
Total CHILDREN 1,595 1,595 1,595 1,595 1,595 1,595 1,595 1,595 1,595 1,595 1,595 1,595 19,140
% of Income 22.5% 22.5% 22.5% 22.5% 22.5% 22.5% 22.5% 22.5% 22.5% 22.5% 22.5% 22.5% 22.5%
OBLIGATIONS
Credit cards (floor coach fridge, ze 475 475 475 475 475 475 475 475 475 475 475 475 5,700
Student 842 842 842 842 842 842 842 842 842 842 842 842 10,104
Credit Card #1 0 0 0 0 0 0 0 0 0 0 0 0
Total OBLIGATIONS 1,317 1,317 1,317 1,317 1,317 1,317 1,317 1,317 1,317 1,317 1,317 1,317 15,804
% of Income 18.5% 18.5% 18.5% 18.5% 18.5% 18.5% 18.5% 18.5% 18.5% 18.5% 18.5% 18.5% 18.5%
BUSINESS EXPENSE
fun/ house keeper 800 800 800 800 800 800 800 800 800 800 800 800 9,600
Total BUSINESS EXPENSE 800 800 800 800 800 800 800 800 800 800 800 800 9,600
% of Income 11.3% 11.3% 11.3% 11.3% 11.3% 11.3% 11.3% 11.3% 11.3% 11.3% 11.3% 11.3% 11.3%
ENTERTAINMENT
Vacation/Travel 0 0 0 0 0 0 0 0 0 0 0 0
ENTERTAINMENT - Other 17 17 17 17 17 17 17 17 17 17 17 17 204
Total ENTERTAINMENT 17 17 17 17 17 17 17 17 17 17 17 17 204
% of Income 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2% 0.2%
MISCELLANEOUS
Bank Fees 0 0 0 0 0 0 0 0 0 0 0 0
ski pass 0 0 0 0 0 0 0 0 0 0 0 0
Lulu 0 0 0 0 0 0 0 0 0 0 0 0
Total MISCELLANEOUS 0 0 0 0 0 0 0 0 0 0 0 0 0
% of Income 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
7,100 8,559 -1,459
© 2010 Vertex42 LLC
Avg
7,100 91200
8,559
-1,459
Monthly
Average
category amount
0 Total TO SAVINGS 0.41%
7,100 Total HOUSING 23.59%
Total UTILITIES 7.23%
Total FOOD 20.85%
200 Total TRANSPORTATIO 0.77%
0 Total HEALTH 2.21%
150 Total DAILY LIVING 0.00%
0 Total CHILDREN 22.46%
29 Total OBLIGATIONS 18.55%
0.4% Total BUSINESS EXPEN 11.27%
Total ENTERTAINMENT 0.24%
Total MISCELLANEOUS 0.00%
1,675
0
1,675
23.6%
175
60 Total TO SAVINGS
53 Total HOUSING
150 Total UTILITIES
75 Total FOOD
513 Total TRANSPORTATION
7.2% Total HEALTH
Total DAILY LIVING
Total CHILDREN
Total OBLIGATIONS
Total BUSINESS EXPENSE
Total ENTERTAINMENT
Total MISCELLANEOUS
Total FOOD
Total TRANSPORTATION
Total HEALTH
Total DAILY LIVING
Total CHILDREN
1,200
Total OBLIGATIONS
100
Total BUSINESS EXPENSE
0
Total ENTERTAINMENT
180
Total MISCELLANEOUS
1,480
20.8%
0
255
400 40
0 100
0 50
0 20
55 447.5
0.8% 50
1246
8520
0 8520
82 582.2
0 350
0 54.45
75 132.45
0 10.5
0 20123.1
0
157
2.2% 0.5 6 3
02/03/17
0
0
0
0.0%
180
0
205
1,595
22.5%
475
842
0
1,317
18.5%
800
800
11.3%
0
17
17
0.2%
#NAME?
Transaction History
HELP
Account Date Num Payee Category R
JOINT CHK 7/11/2014 Department Ed Line Student Loan 676

JOINT CHK 7/18/2014 Quicken Loans Mortgage & Rent 622.66
JOINT CHK 7/7/2014 Quicken Loans Mortgage & Rent 622.65
JOINT CHK 7/14/2014 Wells Fargo Deal Vehicle Payments 410
CHECKING 7/10/2014 Costco Groceries 216.01
CHECKING 7/16/2014 Costco Groceries 182.04
Barclaycard Arrival Plus 7/19/2014 AT&T Mobile Phone 175.24
JOINT CHK 7/11/2014 Nv Energy Line Electric Bill 175
CHECKING 7/25/2014 Geico Auto Insurance 153.07
Barclaycard Arrival Plus 7/3/2014 Home Depot Improvements 138.66
Barclaycard Arrival Plus 7/15/2014 Nicole Olivero Personal Care 135
JOINT CHK 7/14/2014 Saint Marys Regi HEALTH - Other 129
Barclaycard Arrival Plus 7/9/2014 Amazon Misc Expenses 112.22
Barclaycard Arrival Plus 7/2/2014 Trader Joe's Groceries 111.09
JOEL'S CUSTOM MANAGEMENT RM 7/7/2014 Costco Groceries 104.96
CHECKING 7/14/2014 Great Lakes Student Student Loan 92.22
JOINT CHK 7/7/2014 Trustmark Ins Prem Disability Insurance 81.25
Barclaycard Arrival Plus 7/12/2014 7-Eleven Fuel 73.02
Barclaycard Arrival Plus 7/23/2014 Safeway Fuel Fuel 71.68
JOINT CHK 7/11/2014 Discover Se Line Credit Card #1 70
Barclaycard Arrival Plus 7/10/2014 Silver Bear Swim Swimming 67.5
JOINT CHK 7/14/2014 Truckee Meadows Line Water/Sewer/Trash 65
JOINT CHK 7/11/2014 Chase Servi Line Credit Card #1 65
Barclaycard Arrival Plus 7/24/2014 Babies "R" Us Children:Clothing 54.21
JOINT CHK 7/14/2014 Wells Fargo Educ Student Loan 50
Barclaycard Arrival Plus 7/19/2014 Wal-Mart Groceries 47.05
Barclaycard Arrival Plus 7/15/2014 Casa Grande Dining/Eating Out 43.63
CHECKING 7/24/2014 Arco Fuel 42.81
CHECKING 7/24/2014 ATM Withdrawal Keystone Misc Expenses 40
Barclaycard Arrival Plus 7/22/2014 After Hours Clothing 40
CHECKING 7/9/2014 Arco Fuel 34.83
Barclaycard Arrival Plus 7/24/2014 Trader Joe's Groceries 31.13
Barclaycard Arrival Plus 7/22/2014 Barbieri Manual Physic Physical Therapy 30
Barclaycard Arrival Plus 7/19/2014 Regal Nails Misc Expenses 30
Barclaycard Arrival Plus 7/22/2014 Target Misc Expenses 29.1
JOINT CHK 7/11/2014 Home Depot Credit Card #1 25
Barclaycard Arrival Plus 7/1/2014 Baskin Q Dining/Eating Out 23.58
Barclaycard Arrival Plus 7/9/2014 Sierra Car Care Fuel 20.41
Barclaycard Arrival Plus 7/10/2014 Raley's Groceries 16.41
JOINT CHK 7/28/2014 Charter Communications Internet 14.71
JOEL'S CUSTOM MANAGEMENT RM 7/28/2014 24 Hour Fitness Health Club Dues 12.41
Barclaycard Arrival Plus 7/25/2014 USPS Misc Expenses 10.89
Barclaycard Arrival Plus 7/22/2014 Subway Dining/Eating Out 9.43
Barclaycard Arrival Plus 7/9/2014 Qdoba Mexican Grill Dining/Eating Out 8.26
CHECKING 7/24/2014 Netflix ENTERTAINMENT - Other 7.99
Barclaycard Arrival Plus 7/21/2014 Great Basin Brewing Dining/Eating Out 7.46
Barclaycard Arrival Plus 7/1/2014 Panda Express Dining/Eating Out 7.1
Barclaycard Arrival Plus 7/24/2014 Burger King Dining/Eating Out 6.88
Barclaycard Arrival Plus 7/24/2014 Burger King Dining/Eating Out 6.88
Barclaycard Arrival Plus 7/3/2014 Office Depot Misc Expenses 6.44
Barclaycard Arrival Plus 7/5/2014 Markleeville Gen Misc Expenses 6.36
Barclaycard Arrival Plus 7/14/2014 Starbucks Dining/Eating Out 5.12
Barclaycard Arrival Plus 7/3/2014 GOODWILL Toys/Games 4.98
Barclaycard Arrival Plus 7/11/2014 All About Cars Repairs/Tires 4.9
Barclaycard Arrival Plus 7/26/2014 Goodwill Industries Toys/Games 3.87
Barclaycard Arrival Plus 7/11/2014 Jimboys Tacos Dining/Eating Out 3.43
Barclaycard Arrival Plus 7/22/2014 Circle K Fuel 3.28
Barclaycard Arrival Plus 7/20/2014 McDonald's Dining/Eating Out 3.22
JOEL'S PLATINUM CARD 7/17/2014 Expand With Description Dining/Eating Out 3.03
JOEL'S PLATINUM CARD 7/17/2014 Expand With Description Misc Expenses 3.03
Barclaycard Arrival Plus 7/18/2014 GOODWILL Toys/Games 2.98
Barclaycard Arrival Plus 7/12/2014 Futura Car Wash Repairs/Tires 2.77
Barclaycard Arrival Plus 7/3/2014 7-Eleven Dining/Eating Out 2.19
JOEL'S PLATINUM CARD 7/23/2014 McDonald's Dining/Eating Out 1.08
PERSONAL LINE OF CREDIT 7/7/2014 Interest Charged Advances Credit Card #1 0.11
When you come to the end of the table, add more rows by copying the last row to ensure that formulas get copied.
PAYMENT DEPOSIT Amounts Cleared Cleared Account Cleared BALANCE

for Report Payment Deposit Balance Balance
$(676.00) - (676.00) - - 676.00 - 676.00
$(622.66) (622.66) - - 1,298.66 - 1,298.66
$(622.65) - (622.65) - - 1,921.31 - 1,921.31
$(410.00) (410.00) - - 2,331.31 - 2,331.31
$(216.01) (216.01) - - 216.01 - 2,547.32
$(182.04) (182.04) - - 398.05 - 2,729.36
$(175.24) - (175.24) - - 175.24 - 2,904.60
$(175.00) (175.00) - - 2,506.31 - 3,079.60
$(153.07) (153.07) - - 551.12 - 3,232.67
$(138.66) (138.66) - - 313.90 - 3,371.33
$(135.00) (135.00) - - 448.90 - 3,506.33
$(129.00) (129.00) - - 2,635.31 - 3,635.33
$(112.22) (112.22) - - 561.12 - 3,747.55
$(111.09) (111.09) - - 672.21 - 3,858.64
$(104.96) (104.96) - - 104.96 - 3,963.60
$(92.22) (92.22) - - 643.34 - 4,055.82
$(81.25) (81.25) - - 2,716.56 - 4,137.07
$(78.97) (78.97) - - 751.18 - 4,216.04
$(73.02) (73.02) - - 824.20 - 4,289.06
$(71.68) (71.68) - - 895.88 - 4,360.74
$(71.68) (71.68) - - 2,788.24 - 4,432.42
$(70.00) (70.00) - - 965.88 - 4,502.42
$(67.50) (67.50) - - 2,855.74 - 4,569.92
$(65.00) (65.00) - - 2,920.74 - 4,634.92
$(65.00) (65.00) - - 1,030.88 - 4,699.92
$(54.21) (54.21) - - 2,974.95 - 4,754.13
$(50.00) (50.00) - - 1,080.88 - 4,804.13
$(47.05) (47.05) - - 1,127.93 - 4,851.18
$(43.63) (43.63) - - 686.97 - 4,894.81
$(42.81) (42.81) - - 729.78 - 4,937.62
$(40.00) (40.00) - - 1,167.93 - 4,977.62
$(40.00) (40.00) - - 1,207.93 - 5,017.62
$(37.23) (37.23) - - 767.01 - 5,054.85
$(34.83) (34.83) - - 1,242.76 - 5,089.68
$(33.53) (33.53) - - 1,276.29 - 5,123.21
$(31.13) (31.13) - - 1,307.42 - 5,154.34
$(30.00) (30.00) - - 1,337.42 - 5,184.34
$(30.00) (30.00) - - 1,367.42 - 5,214.34
$(30.00) (30.00) - - 1,397.42 - 5,244.34
$(30.00) (30.00) - - 1,427.42 - 5,274.34
$(30.00) (30.00) - - 1,457.42 - 5,304.34
$(29.10) (29.10) - - 3,004.05 - 5,333.44
$(25.00) (25.00) - - 1,482.42 - 5,358.44
$(23.58) (23.58) - - 1,506.00 - 5,382.02
$(20.41) (20.41) - - 1,526.41 - 5,402.43
$(16.59) (16.59) - - 1,543.00 - 5,419.02
$(16.41) (16.41) - - 3,020.46 - 5,435.43
$(14.71) (14.71) - - 1,557.71 - 5,450.14
$(12.51) (12.51) - - 117.47 - 5,462.65
$(12.41) (12.41) - - 1,570.12 - 5,475.06
$(10.89) (10.89) - - 1,581.01 - 5,485.95
$(9.69) (9.69) - - 1,590.70 - 5,495.64
$(9.43) (9.43) - - 1,600.13 - 5,505.07
$(8.26) (8.26) - - 775.27 - 5,513.33
$(7.99) (7.99) - - 1,608.12 - 5,521.32
$(7.46) (7.46) - - 1,615.58 - 5,528.78
$(7.10) (7.10) - - 1,622.68 - 5,535.88
$(6.88) (6.88) - - 1,629.56 - 5,542.76
$(6.88) (6.88) - - 1,636.44 - 5,549.64
$(6.44) (6.44) - - 1,642.88 - 5,556.08
$(6.36) (6.36) - - 1,649.24 - 5,562.44
$(5.12) (5.12) - - 1,654.36 - 5,567.56
$(4.98) (4.98) - - 1,659.34 - 5,572.54
$(4.90) (4.90) - - 1,664.24 - 5,577.44
$(4.63) (4.63) - - 1,668.87 - 5,582.07
$(4.47) (4.47) - - 1,673.34 - 5,586.54
$(4.26) (4.26) - - 1,677.60 - 5,590.80
$(3.43) (3.43) - - 1,681.03 - 5,594.23
$(3.28) (3.28) - - 1,684.31 - 5,597.51
$(3.22) (3.22) - - 1,687.53 - 5,600.73
$(3.22) (3.22) - - 1,690.75 - 5,603.95
$(3.03) (3.03) - - 3.03 - 5,606.98
$(3.03) (3.03) - - 6.06 - 5,610.01
$(2.98) (2.98) - - 1,693.73 - 5,612.99
$(2.77) (2.77) - - 1,696.50 - 5,615.76
$(2.36) (2.36) - - 1,698.86 - 5,618.12
$(2.19) (2.19) - - 1,701.05 - 5,620.31
$(2.15) (2.15) - - 1,703.20 - 5,622.46
$(1.89) (1.89) - - 1,705.09 - 5,624.35
$(1.08) (1.08) - - 7.14 - 5,625.43
$(1.08) (1.08) - - 1,706.17 - 5,626.51
$(1.08) (1.08) - - 1,707.25 - 5,627.59
$(0.11) (0.11) - - 0.11 - 5,627.70
$(5,627.70) (5,627.70) - - 5,627.70 - 11,255.40
- - - 5,627.70 - 11,255.40
-5627.7 (5,627.70) - - 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
#NAME?
HELP
Year Begins: 1/1/2015 Begin: ###

Month: 1 End: #NAME?
BUDGET SUMMARY
Budget Actual Difference
Total Income Err:504 0.00 Err:504
Total Expenses Err:504 0.00 Err:504
NET Err:504 0.00 Err:504
Total Income
Total Expenses Budget

Actual
NET
0.00 0.20 0.40 0.60 0.80 1.00
INCOME Budget Actual Difference

Wages & Tips Err:504 #N/A #VALUE!
INCOME-Other Err:504 #N/A #VALUE!
Total INCOME Err:504 - Err:504
TO SAVINGS Budget Actual Difference

Emergency Fund Err:504 #N/A #VALUE!
Retirement Fund Err:504 #N/A #VALUE!
College Fund Err:504 #N/A #VALUE!
SAVINGS -Other Err:504 #N/A #VALUE!
Total TO SAVINGS Err:504 - Err:504
% of Income Err:504 -
CHARITY/GIFTS Budget Actual Difference
Tithing Err:504 #N/A Err:504
Gifts Err:504 #N/A Err:504
Christmas Err:504 #N/A Err:504
CHARITY - Other Err:504 #N/A Err:504
Total CHARITY/GIFTS Err:504 - Err:504
HOUSING Budget Actual Difference
Mortgage & Rent Err:504 #N/A Err:504
Lawn/Garden Err:504 #N/A Err:504
Maintenance/Supplies Err:504 #N/A Err:504
Improvements Err:504 #N/A Err:504
HOUSING - Other Err:504 #N/A Err:504
Total HOUSING Err:504 - Err:504
UTILITIES Budget Actual Difference
Electric Bill Err:504 #N/A Err:504
Water Err:504 #N/A Err:504
Sewer/Trash Err:504 #N/A Err:504
Mobile Phone Err:504 #N/A Err:504
Internet Err:504 #N/A Err:504
UTILITIES - Other Err:504 #N/A Err:504
Total UTILITIES Err:504 - Err:504
FOOD Budget Actual Difference
Groceries Err:504 #N/A Err:504
Dining/Eating Out Err:504 #N/A Err:504
Pet Food Err:504 #N/A Err:504
FOOD - Other Err:504 #N/A Err:504
Total FOOD Err:504 - Err:504
TRANSPORTATION Budget Actual Difference
Vehicle Payments Err:504 #N/A Err:504
Auto Insurance Err:504 #N/A Err:504
Fuel Err:504 #N/A Err:504
Repairs/Tires Err:504 #N/A Err:504
Registration/License Err:504 #N/A Err:504
TRANSPORTATION - Other Err:504 #N/A Err:504
Total TRANSPORTATION Err:504 - Err:504
HEALTH Budget Actual Difference
Health Insurance Err:504 #N/A Err:504
Disability Insurance Err:504 #N/A Err:504
Doctor/Dentist/Optometrist Err:504 #N/A Err:504
Medicine/Drugs Err:504 #N/A Err:504
Health Club Dues Err:504 #N/A Err:504
Physical Therapy Err:504 #N/A Err:504
Veterinarian/Pet Care Err:504 #N/A Err:504
HEALTH - Other Err:504 #N/A Err:504
Total HEALTH Err:504 - Err:504
DAILY LIVING Budget Actual Difference
Clothing Err:504 #N/A Err:504
Personal Supplies Err:504 #N/A Err:504
Personal Care Err:504 #N/A Err:504
DAILY LIVING - Other Err:504 #N/A Err:504
Total DAILY LIVING Err:504 - Err:504
CHILDREN Budget Actual Difference
Children:Clothing Err:504 #N/A Err:504
Medical Err:504 #N/A Err:504
Swimming Err:504 #N/A Err:504
School Tuition Err:504 #N/A Err:504
Toys/Games Err:504 #N/A Err:504
CHILDREN - Other Err:504 #N/A Err:504
Total CHILDREN Err:504 - Err:504
OBLIGATIONS Budget Actual Difference
Student Loan Err:504 #N/A Err:504
Other Loan Err:504 #N/A Err:504
Credit Card #1 Err:504 #N/A Err:504
OBLIGATIONS - Other Err:504 #N/A Err:504
Total OBLIGATIONS Err:504 - Err:504
BUSINESS EXPENSE Budget Actual Difference
BUSINESS - Other Err:504 #N/A Err:504
Total BUSINESS EXPENSE Err:504 - Err:504
ENTERTAINMENT Budget Actual Difference
Vacation/Travel Err:504 #N/A Err:504
Videos/DVDs Err:504 #N/A Err:504
Music Err:504 #N/A Err:504
ENTERTAINMENT - Other Err:504 #N/A Err:504
Total ENTERTAINMENT Err:504 - Err:504
SUBSCRIPTIONS Budget Actual Difference
Dues/Memberships Err:504 #N/A Err:504
SUBSCRIPTIONS - Other Err:504 #N/A Err:504
Total SUBSCRIPTIONS Err:504 - Err:504
MISCELLANEOUS Budget Actual Difference
Bank Fees Err:504 #N/A Err:504
Postage Err:504 #N/A Err:504
Misc Expenses Err:504 #N/A Err:504
Total MISCELLANEOUS Err:504 - Err:504
EXPENSE SUMMARY Budget Actual Difference

TO SAVINGS Expense Summary
Err:504 - Err:504
CHARITY/GIFTS Err:504 - Err:504
HOUSINGTO SAVINGS Err:504 - Err:504
UTILITIES Err:504 - Err:504
FOODCHARITY/GIFTS Err:504 - Err:504
TRANSPORTATION Err:504 - Err:504
HEALTH HOUSING Err:504 - Err:504
DAILY LIVING Err:504 - Err:504
CHILDRENUTILITIES Err:504 - Err:504
OBLIGATIONS Err:504 - Err:504
FOOD
BUSINESS EXPENSE Err:504 - Err:504
ENTERTAINMENT Err:504 - Err:504
TRANSPORTATION
SUBSCRIPTIONS Err:504 - Err:504
MISCELLANEOUS
HEALTH Err:504 - Err:504
Budget
Actual
DAILY LIVING
CHILDREN
OBLIGATIONS
BUSINESS EXPENSE
ENTERTAINMENT
SUBSCRIPTIONS
MISCELLANEOUS
- 0.20 0.40 0.60 0.80 1.00

[Categories]
[Balance]
[Transfer]
***** INCOME *****
Wages & Tips
INCOME-Other
***** SAVINGS *****
Emergency Fund
Retirement Fund
College Fund
SAVINGS -Other
***** CHARITY / GIFTS *****
Tithing
Gifts
Christmas
CHARITY - Other
***** HOUSING *****
Mortgage & Rent
Lawn/Garden
Maintenance/Supplies
Improvements
HOUSING - Other
***** UTILITIES *****
Electric Bill
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
Account Date Num Payee Memo Category R PAYMEN PAYMEN PAYMENT
JOINT CHK 7/8/2014 Wf Direct WF Direct Paycheck 1527.09 T
credit T 1 $1,527.09
JOINT CHK 7/22/2014 Wf Direct WF Direct Paycheck 1471.83 credit 1 $1,471.83
CHECKING 7/11/2014 Prime Heal64216PRIMPaycheck 1443.52 credit 1 $1,443.52
CHECKING 7/25/2014 Prime Heal64216PRIMPaycheck 1246.28 credit 1 $1,246.28
JOINT CHK 7/11/2014 Department BILL PAY D Student Lo 676 debit -1 $(676.00)
JOINT CHK 7/18/2014 Quicken L QUICKEN LMortgage 622.66 debit -1 $(622.66)
JOINT CHK 7/7/2014 Quicken L QUICKEN LMortgage 622.65 debit -1 $(622.65)
JOINT CHK 7/14/2014 Wells FargBILL PAY Auto Paym 410 debit -1 $(410.00)
CHECKING 7/10/2014 Costco POS PURCHGroceries 216.01 debit -1 $(216.01)
CHECKING 7/16/2014 Costco POS PURCHGroceries 182.04 debit -1 $(182.04)
Barclaycard Arrival Plus 7/19/2014 AT&T AT&T*BIL Mobile Ph 175.24 debit -1 $(175.24)
JOINT CHK 7/11/2014 Nv Energy BILL PAY Electric Bil 175 debit -1 $(175.00)
CHECKING 7/25/2014 ATM DeposATM CHECK Income 170 credit 1 $170.00
CHECKING 7/25/2014 Geico RECUR DEBAuto Insur 153.07 debit -1 $(153.07)
Barclaycard Arrival Plus 7/3/2014 Home DepTHE HOMEHome Imp 138.66 debit -1 $(138.66)
Barclaycard Arrival Plus 7/15/2014 Nicole Oli NICOLE O Personal C 135 debit -1 $(135.00)
JOINT CHK 7/14/2014 Saint MaryBILL PAY medical bi 129 debit -1 $(129.00)
Barclaycard Arrival Plus 7/9/2014 Amazon AMAZON M Misc Expe 112.22 debit -1 $(112.22)
Barclaycard Arrival Plus 7/2/2014 Trader Joe'TRADER JOGroceries 111.09 debit -1 $(111.09)
JOEL'S CUSTOM MANA 7/7/2014 Costco POS PURCHGroceries 104.96 debit -1 $(104.96)
CHECKING 7/14/2014 Great LakeGREAT LAKStudent Lo 92.22 debit -1 $(92.22)
JOINT CHK 7/7/2014 Trustmark TRUSTMARK Disability 81.25 debit -1 $(81.25)
Barclaycard Arrival Plus 7/12/2014 7-Eleven 7-ELEVEN Gas & Fuel 73.02 debit -1 $(73.02)
Barclaycard Arrival Plus 7/23/2014 Safeway FuSAFEWAY Gas & Fuel 71.68 debit -1 $(71.68)
JOINT CHK 7/11/2014 Discover SBILL PAY Credit Car 70 debit -1 $(70.00)
Barclaycard Arrival Plus 7/10/2014 Silver Bea SILVER B Eli Swimm 67.5 debit -1 $(67.50)
JOINT CHK 7/14/2014 Truckee MBILL PAY Water/Sew 65 debit -1 $(65.00)
JOINT CHK 7/11/2014 Chase ServBILL PAY Credit Car 65 debit -1 $(65.00)
Barclaycard Arrival Plus 7/24/2014 Babies "R"BABIES R Kids Cloth 54.21 debit -1 $(54.21)
JOINT CHK 7/14/2014 Wells FargBILL PAY Student Lo 50 debit -1 $(50.00)
Barclaycard Arrival Plus 7/19/2014 Wal-Mart WAL-MARTGroceries 47.05 debit -1 $(47.05)
Barclaycard Arrival Plus 7/15/2014 Casa Gran CASA GRA Restaurant 43.63 debit -1 $(43.63)
CHECKING 7/24/2014 Arco POS PURCHGas & Fuel 42.81 debit -1 $(42.81)
CHECKING 7/24/2014 ATM WithdATM WITHD Cash & AT 40 debit -1 $(40.00)
Barclaycard Arrival Plus 7/22/2014 After HourPEDIATRICClothing 40 debit -1 $(40.00)
CHECKING 7/9/2014 Arco POS PURCHGas & Fuel 34.83 debit -1 $(34.83)
Barclaycard Arrival Plus 7/3/2014 Home DepTHE HOMEHome Imp 32.61 credit 1 $32.61
Barclaycard Arrival Plus 7/3/2014 Home DepTHE HOMEHome Imp 31.14 credit 1 $31.14
Barclaycard Arrival Plus 7/24/2014 Trader Joe'TRADER JOGroceries 31.13 debit -1 $(31.13)
Barclaycard Arrival Plus 7/22/2014 Barbieri MBARBIERI Doctor 30 debit -1 $(30.00)
Barclaycard Arrival Plus 7/19/2014 Regal NailsREGAL NA Misc Expe 30 debit -1 $(30.00)
Barclaycard Arrival Plus 7/15/2014 Target TARGET 0 Shopping 29.1 debit -1 $(29.10)
Barclaycard Arrival Plus 7/8/2014 Home DepBILL PAY Credit Car 25 debit -1 $(25.00)
Barclaycard Arrival Plus 7/1/2014 Baskin Q BASKIN # Fast Food 23.58 debit -1 $(23.58)
Barclaycard Arrival Plus 7/22/2014 Sierra Car SIERRA C Gas & Fuel 20.41 debit -1 $(20.41)
JOINT CHK 7/11/2014 Wal-Mart WM SUPERGroceries 16.59 debit -1 $(16.59)
Barclaycard Arrival Plus 7/1/2014 Raley's RALEY'S Groceries 16.41 debit -1 $(16.41)
Barclaycard Arrival Plus 7/9/2014 Charter C BILL PAY Television 14.71 debit -1 $(14.71)
Barclaycard Arrival Plus 7/10/2014 24 Hour Fi24HOUR FITGym 12.41 debit -1 $(12.41)
JOINT CHK 7/28/2014 USPS USPS 3172Shipping 10.89 debit -1 $(10.89)
JOEL'S CUSTOM MANA 7/28/2014 Subway SUBWAY 0Fast Food 9.43 debit -1 $(9.43)
Barclaycard Arrival Plus 7/25/2014 Qdoba Mexi QDOBA #3Fast Food 8.26 debit -1 $(8.26)
Barclaycard Arrival Plus 7/12/2014 Netflix RECUR DEBMovies & 7.99 debit -1 $(7.99)
Barclaycard Arrival Plus 7/22/2014 Great Basi GREAT BASDining/Eat 7.46 debit -1 $(7.46)
Barclaycard Arrival Plus 7/9/2014 Panda ExprPANDA EX Fast Food 7.1 debit -1 $(7.10)
CHECKING 7/24/2014 Burger KinBURGER KIFast Food 6.88 debit -1 $(6.88)
Barclaycard Arrival Plus 7/21/2014 Burger KinBURGER K Fast Food 6.88 debit -1 $(6.88)
Barclaycard Arrival Plus 7/1/2014 Office DepOFFICE DEMisc Expe 6.44 debit -1 $(6.44)
Barclaycard Arrival Plus 7/24/2014 MarkleevilMARKLEEVShopping 6.36 debit -1 $(6.36)
Barclaycard Arrival Plus 7/24/2014 Starbucks STARBUCKCoffee Sho 5.12 debit -1 $(5.12)
Barclaycard Arrival Plus 7/3/2014 GOODWILLRENO SOUShopping 4.98 debit -1 $(4.98)
Barclaycard Arrival Plus 7/5/2014 All About ALL ABOU Auto & Tra 4.9 debit -1 $(4.90)
Barclaycard Arrival Plus 7/7/2014 Goodwill I GOODWILLShopping 3.87 debit -1 $(3.87)
Barclaycard Arrival Plus 7/2/2014 Jimboys TaJIMBOYS Restaurant 3.43 debit -1 $(3.43)
Barclaycard Arrival Plus 7/12/2014 Circle K CIRCLE M Gas & Fuel 3.28 debit -1 $(3.28)
Barclaycard Arrival Plus 7/26/2014 McDonald'MCDONALD Fast Food 3.22 debit -1 $(3.22)
Barclaycard Arrival Plus 7/22/2014 Expand WitExpand Tr Finance Ch 3.03 debit -1 $(3.03)
Barclaycard Arrival Plus 7/20/2014 Expand WitExpand Tr Finance Ch 3.03 debit -1 $(3.03)
Barclaycard Arrival Plus 7/9/2014 GOODWILLRENO SOUShopping 2.98 debit -1 $(2.98)
Barclaycard Arrival Plus 7/18/2014 7-Eleven 7-ELEVEN Fast Food 2.19 debit -1 $(2.19)
Barclaycard Arrival Plus 7/21/2014 Interest INTEREST Interest I 0.01 credit 1 $0.01
Barclaycard Arrival Plus 7/9/2014
JOINT CHK 7/9/2014
-5469.89 $(5,236.13)
5922.48 452.59
JOINT CHK ### DepartmentBILL PAY D Student Lo 676 $(676.00)
JOINT CHK ### Quicken L QUICKEN LMortgage 622.66 $(622.66)
JOINT CHK 7/7/2014 Quicken L QUICKEN LMortgage 622.65 $(622.65)
JOINT CHK ### Wells FargBILL PAY Vehicle Pa 410 $(410.00)
CHECKING ### Costco POS PURCHGroceries 216.01 $(216.01)
CHECKING ### Costco POS PURCHGroceries 182.04 $(182.04)
Barclaycard ### AT&T AT&T*BIL Mobile Ph 175.24 $(175.24)
JOINT CHK ### Nv Energy BILL PAY Electric Bil 175 $(175.00)
CHECKING ### Geico RECUR DEBAuto Insur 153.07 $(153.07)
Barclaycard7/3/2014 Home DepTHE HOMEImproveme 138.66 $(138.66)
Barclaycard ### Nicole Oli NICOLE O Personal C 135 $(135.00)
JOINT CHK ### Saint MaryBILL PAY HEALTH - O 129 $(129.00)
Barclaycard7/9/2014 Amazon AMAZON M Misc Expe 112.22 $(112.22)
Barclaycard7/2/2014 Trader Joe'TRADER JOGroceries 111.09 $(111.09)
JOEL'S C 7/7/2014 Costco POS PURCHGroceries 104.96 $(104.96)
CHECKING ### Great LakeGREAT LAKStudent Lo 92.22 $(92.22)
JOINT CHK 7/7/2014 Trustmark TRUSTMARK Disability 81.25 $(81.25)
Barclaycard7/3/2014 Home DepTHE HOMEImproveme 78.97 $(78.97)
Barclaycard ### 7-Eleven 7-ELEVEN Fuel 73.02 $(73.02)
Barclaycard ### Safeway FuSAFEWAY Fuel 71.68 $(71.68)
JOINT CHK ### Discover SBILL PAY Credit Car 70 $(71.68)
Barclaycard ### Silver Bea SILVER B Swimming 67.5 $(70.00)
JOINT CHK ### Truckee MBILL PAY Water/Sew 65 $(67.50)
JOINT CHK ### Chase ServBILL PAY Credit Car 65 $(65.00)
Barclaycard ### Babies "R"BABIES R Children:C 54.21 $(65.00)
JOINT CHK ### Wells FargBILL PAY Student Lo 50 $(54.21)
Barclaycard ### Wal-Mart WAL-MARTGroceries 47.05 $(50.00)
Barclaycard ### Casa Gran CASA GRA Dining/Eat 43.63 $(47.05)
CHECKING ### Arco POS PURCHFuel 42.81 $(43.63)
CHECKING ### ATM WithdATM WITHD Misc Expe 40 $(42.81)
Barclaycard ### After HourPEDIATRICClothing 40 $(40.00)
Barclaycard ### Wal-Mart WAL-MARTGroceries 37.23 $(40.00)
CHECKING 7/9/2014 Arco POS PURCHFuel 34.83 $(37.23)
Barclaycard7/6/2014 Wal-Mart WAL-MARTGroceries 33.53 $(34.83)
Barclaycard ### Trader Joe'TRADER JOGroceries 31.13 $(33.53)
Barclaycard ### Barbieri MBARBIERI Physical 30 $(31.13)
Barclaycard ### Regal NailsREGAL NA Misc Expe 30 $(30.00)
Barclaycard ### Barbieri MBARBIERI Physical 30 $(30.00)
Barclaycard7/8/2014 Barbieri MBARBIERI Physical 30 $(30.00)
Barclaycard7/1/2014 Barbieri MBARBIERI Physical 30 $(30.00)
Barclaycard ### Target TARGET 0 Misc Expe 29.1 $(30.00)
JOINT CHK ### Home DepBILL PAY Credit Car 25 $(29.10)
Barclaycard7/1/2014 Baskin Q BASKIN # Dining/Eat 23.58 $(25.00)
Barclaycard7/9/2014 Sierra Car SIERRA C Fuel 20.41 $(23.58)
Barclaycard ### Wal-Mart WM SUPERGroceries 16.59 $(20.41)
Barclaycard ### Raley's RALEY'S Groceries 16.41 $(16.59)
JOEL'S C ### 24 Hour Fi24HOUR FIT Health Clu 12.41 $(12.51)
Barclaycard ### USPS USPS 3172Misc Expe 10.89 $(12.41)
Barclaycard ### Home DepTHE HOMEImproveme 9.69 $(10.89)
Barclaycard ### Subway SUBWAY 0Dining/Eat 9.43 $(9.69)
Barclaycard7/9/2014 Qdoba Mexi QDOBA #3Dining/Eat 8.26 $(9.43)
CHECKING ### Netflix RECUR DEBENTERTAIN 7.99 $(8.26)
Barclaycard7/1/2014 Panda ExprPANDA EX Dining/Eat 7.1 $(7.46)
Barclaycard ### Burger KinBURGER KIDining/Eat 6.88 $(7.10)
Barclaycard7/3/2014 Office DepOFFICE DEMisc Expe 6.44 $(6.88)
Barclaycard7/5/2014 MarkleevilMARKLEEVMisc Expe 6.36 $(6.44)
Barclaycard ### Starbucks STARBUCKDining/Eat 5.12 $(6.36)
Barclaycard7/3/2014 GOODWILLRENO SOUToys/Game 4.98 $(5.12)
Barclaycard ### All About ALL ABOU Repairs/Ti 4.9 $(4.98)
Barclaycard7/7/2014 Raley's RALEY'S Groceries 4.63 $(4.90)
Barclaycard7/2/2014 Starbucks STARBUCKDining/Eat 4.47 $(4.63)
Barclaycard ### Raley's RALEY'S Groceries 4.26 $(4.47)
Barclaycard ### Goodwill I GOODWILLToys/Game 3.87 $(4.26)
Barclaycard ### Jimboys TaJIMBOYS Dining/Eat 3.43 $(3.43)
Barclaycard ### Circle K CIRCLE M Fuel 3.28 $(3.28)
Barclaycard ### McDonald'MCDONALD Dining/Eat 3.22 $(3.22)
Barclaycard7/9/2014 McDonald'MCDONALD Dining/Eat 3.22 $(3.22)
JOEL'S PL ### Expand WitExpand Tr Dining/Eat 3.03 $(3.03)
JOEL'S PL ### Expand WitExpand Tr Misc Expe 3.03 $(3.03)
Barclaycard ### GOODWILLRENO SOUToys/Game 2.98 $(2.98)
Barclaycard ### Futura CarFUTURA C Repairs/Ti 2.77 $(2.77)
Barclaycard7/3/2014 7-Eleven 7-ELEVEN Dining/Eat 2.19 $(2.19)
Barclaycard ### Starbucks STARBUCKDining/Eat 1.89 $(1.89)
JOEL'S PL ### McDonald'MCDONALD Dining/Eat 1.08 $(1.08)
Barclaycard7/9/2014 McDonald'MCDONALD Dining/Eat 1.08 $(1.08)
PERSONAL 7/7/2014 Interest C Interest C Credit Car 0.11 $(0.11)
$(5,627.70)
Paycheck Calculator
For Wages Paid in 2014 © 2010-2014 Vertex42 LLC
Hours per week 40

Overtime per week 6.5
1990
Paycheck Calculator
Gross Pay 41600 1900

Gross Pay: $1,990.00
Pay Period: Biweekly
Periods Per Year: 26
1,800.00
Est. Gross Annual Pay: $51,740.00
1,600.00
Filing Status and Withholdings
1,400.00
Filing Status: Married
Number of Allowances: 2 1,200.00
One Allowance: $151.90
1,000.00
Pre-Tax Adjustments
Tax Deferral Plan, 401(k): 3.00% 800.00
Other Pre-Tax Deductions: $- 600.00

Federal Taxable Gross: $1,626.50
400.00
Federal Withholding Tables
Excess Over 26,600.00 200.00
Withhold 1,815.00 0.00
Plus X% of Excess 15.00%
i ca (6 y
(1 )
Pr e ra )
Po Pos & ucti n

Sta x D a l P x
Ta ax a l ns
m uc s
ts
em s
re .2%
x D de %
ei ed axe
ed i ty Pa
Ta rr Ta
rs on
te ed l a
en
st- t-T Loc o
Ta e .45
Post-Tax Adjustments
bu ti
e- fe l
xR D T
M cur me
CA e o
FI al S e-H
State & Local Taxes: 0.00% F

ci a k
So ET T
Other Post-Tax Deductions: $-

N
Post-Tax Reimbursements: $-
CA
FI
M c
Sta x
Ta ax
i
ci a
CA e
Ta
ed
So ET T
te
ei
x
st- t-T
FI al S
Ta
e-
xR
Po Pos
Pr
CA N
FI
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 0.00
State & Local Taxes 0.00
Post-Tax Deductions 0.00
Post-Tax Reimbursements 0.00
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.
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
0.00 0.00 0.0%
2,250.00 0.00 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
0.00 0.00 0.0%
8,450.00 0.00 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
Projected Monthly Income
Cost Cost Difference
$4,752 $4,752 $30 Income 1 $2871
Income 2 $2,200
Extra income $0
Projected Cost Actual Cost Difference
Housing Total monthly income
Mortgage or rent $1,245 $1,245 $0
Actual Monthly Income
Second mortgage or rent $0 $0 $0
Phone $90 $90 $0 Income 1 $2,871
Electricity $150 $150 $0 Income 2 $2,200
Gas $0 $0 $0 Extra income $0
Water $45 $45 $0 Total monthly income $5,071
sewer $52 $52
Projected balance
internet $46 $46 $0
(Projected income minus
Waste removal $0 $0 $0 ($4752)
expenses)Projected balance
Maintenance or repairs $0 $0 $0
(Projected income minus expenses)
house cleaning $0 $0
Actual balance
Supplies $0 $0 $0 $319
(Actual income minus expenses)
$0
Other $0 $0 $0
Subtotals $1,628 $1,628 $0 Difference (Actual minus projected) $5,071
Transportation
Vehicle 1 payment $410 $410 $0
Vehicle 2 payment $263 $263 $0
Bus/taxi fare $0 $0
Insurance $156 $156 $0
Licensing $0 $0
Fuel $210 $210 $0
Maintenance $50 $50 $0
Projected Cost
Other $0 $0 Entertainment
Subtotals $1,089 $1,089 $0 Video/DVD $0
CDs
Insurance Movies $10
Home $0 Concerts
Health $0 Sporting events
Life $0 Live theater
Other $0 Other( Netflix) $8
Subtotals $0 $0 $0 Subtotals $18
Food Loans
Groceries $550 $550 $0 Student - Joel $818
Dining out $100 $100 $0 Student
JOELS SCHOOL EXPENSE $0 $0 $0 Credit card(sacha) $145
HD $0
cap one
Subtotals $650 $650 $0 Credit card(joel) $0
Credit card
Children Other
Medical-eli $0 $0 Subtotals $963
Clothing $0 $0 $0
School tuition $0 $0 Taxes
School supplies $0 $0 Federal
Organization dues or fees $0 $0 State
Lunch money $0 $0 Local
Child care $0 $0 Other
Toys/games $0 $0 Subtotals $0
Other diapers $30 $30
Subtotals $30 $0 $30 Savings or Investments
Retirement account
Pets Investment account
Food $55 $55 $0 College $150
Medical $0 $0 $0 Other
Grooming $0 $0 $0 Subtotals $150
Toys $0 $0
Other $0 $0 Gifts and Donations
Subtotals $55 $55 $0 Charity 1
Charity 2
Personal Care Charity 3
Medical(phy.therapy,OB) $0 $0 $0 Subtotals $0
st. mary's bills $129 $129
Hair/nails $0 $0 $0
Clothing $0 $0 $0 Legal
Dry cleaning $0 $0 Attorney
Health club $12 $12 $0 Alimony
Organization dues or fees $0 $0 Payments on lien or judgment
SWIMMING $28 $28
weightwatchers $0 $0
docter $0
baby bootcamp $0
Subtotals $169 $169 $0 Subtotals $0
4400
$4,719 $56,623.62
Sacha's Pay Joel's Pay

$/hr $/hr 18
0 2880
Gross 0 Gross 2448
Taxes (20%) 0 After Taxes (20%) 612
Taxed pay 0 adj after taxes 1836
Total unjusted Income 4336

10% Towards Saving
20% Debts
Total income 4336 Joel's Income (k2 Engineering)
qty rate current
Hours 80 22 $1,760.00
overtime 0 33 0
Weeky 0
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
Actual Cost Difference Mileage
$1,435.42
$0 $0 Take home= $1435
$0 $0 Monthly $2871
$10 $0 Yearly $34450
$0 $0
$0 $0
$0 $0 2088
$8 $0 2056
$18 $0 45232
1760
46992
$818 $0
$0 $0
$145 $0
$0
$0
$0 $0
$0 $0
$0 $0
$963 $0
$0
$0
$0
$0
$0 $0
$0
$0
$150 $0
$0
$150 $0
$0
$0
$0
$0 $0
$0
$0
$0
$0 $0
44
6
$42,240.00
###
$1,378.00

Budget Master

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Budget Master

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Step 1 Customize Categories (or don't)

Step 2 Define Your List of Accounts

Step 3 Define your Yearly Budget

Step 4 Record Transactions

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

Step 4-0: Delete the Sample Rows

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

Step 4-2: Add New Transactions:

Recording a SPLIT Transaction

ACCOUNT DATE NUM PAYEE MEMO CATEGORY PAYMENT

ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT

Recording a [Transfer] To SAVINGS

ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT

Recording a Return or Refund

Recording the Return:

Budgeting for Large Variable Expenses

2. Recording the Actual Insurance Payment:

Step 4-3: Record "Cleared" Transactions.

Step 4-4: Reconcile Your Accounts

Step 4-5: Check Formulas

Step 5 Track Your Progress

get: Budgeting Tips

Account Date Num Payee Category R

JOINT CHK 7/11/2014 Department Ed Line Student Loan 676

PAYMENT DEPOSIT Amounts Cleared Cleared Account Cleared BALANCE

Year Begins: 1/1/2015 Begin: ###

Total Expenses Budget

0.00 0.20 0.40 0.60 0.80 1.00

INCOME Budget Actual Difference

TO SAVINGS Budget Actual Difference

EXPENSE SUMMARY Budget Actual Difference

- 0.20 0.40 0.60 0.80 1.00

Hours per week 40

Gross Pay 41600 1900

Other Pre-Tax Deductions: $- 600.00

Po Pos & ucti n

State & Local Taxes: 0.00% F

Other Post-Tax Deductions: $-

Percentage Method - 2014 Amount for One Withholding Allowance

Sacha's Pay Joel's Pay

Total unjusted Income 4336

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