Personal Income And Expense Spreadsheet

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SAMPLE BUDGET ON A SPREADSHEET
1
2
3
Transfers This
Typical Expenses
Month
$
CATEGORIES
Gross Income
Giving
Federal taxes
IRA, 401-k, 403-b
House & car ins.
Electric
Average
Medical
Non retirement investing
Internet fee
x
local taxes div. by 12 money market
phone
x
vacation
vacation club
auto
Average gas & repairs
groceries Average
Misc.
postage
clothing
x
Christmas club
life insurance
Entertainment
gifts
medical
x
Savings/emergency fund
x
trips
Nat. or LP gas-budget plan
Educational expense
Total
Total
Total Typical Expenses
Giving detail
Amount
Item
Monthly Auto Debits
$
Item
Date debited
Col 1 is the amount from each category to be transferred into another acct.
Col 2 is this month's income and expenses
Col 3 shows averages, and provides a budget template
You can use the envelope system to pay down the categories or you can
spend down the categories from your checking account.
You can transfer into checking from savings, as the need arises.
I use Quicken to categtorize expenditures and generate reports,
and to reconcile my account with the bank statement.
Once you track expenses for some months, the averages will be more
accurate, and you adjust accordingly.
For longer term savings, I recommend sending $ to a money market account
out-of-town, or to buy stock using auto debit.
It's not so easy to liquidate.
Categories can be inserted or deleted, of course, to match your needs.

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