Period 1

May 1st

totals

Period 2
May 15th

totals

Quick Look Totals

Period 1
Period 2 Monthly Total
$0.00
$0.00
$0.01

ITEM
Income
income 1
income 2
other income
Charitable
giving
other
Savings
emergency fund
college fund
retirement fund
Housing
first mortgage
second mortgage
rent
real estate taxes
homeowners ins
repairs or mn. fees
replace furniture
other
Utilities
electricity
water/trash
gas
phone
other
cable
Food
grocery
restaurants
Transportation
car payment
car payment
gas and oil
repairs and tires
vehicle insurance
license and taxes
car replacement
Clothing
children
adults
cleaning/laundry
Medical/Health
disability insurance
health insurance
doctor
dentist
optometrist
drugs
Personal
life insurance
toiletries
cosmetics
hair care
educational adult
school tuition
school supplies
child support
alimony
subscriptions
organization dues
gifts (inc. Christmas)
miscellaneous
*WHATEVER $$$$*
Recreation
entertainment
vacation
Debts
Credit Union
Bank Loan
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
other
other
other
other
other
other
other
other
other
other
other

$1,416.67
$247.92
$0.00

$1,416.67
$1,664.58
$1,664.58

$1,416.67
$247.92
$0.00

$1,416.67
$1,664.58
$1,664.58

$150.00

$1,514.58
$1,514.58

$150.00

$1,514.58
$1,514.58

$50.00

$1,464.58
$1,464.58
$1,464.58

$50.00

$1,464.58
$1,464.58
$1,464.58

$850.00

$70.00
$60.00
$45.00

$200.00

$150.00

$89.58

$1,664.58
TOTAL

$1,464.58
$1,464.58
$614.58
$614.58
$614.58
$614.58
$614.58
$614.58

$1,464.58
$1,464.58
$1,464.58
$1,464.58
$1,464.58
$1,464.58
$1,464.58
$1,464.58

$544.58
$484.58
$484.58
$439.58
$439.58
$439.58

$1,464.58
$1,464.58
$1,464.58
$1,464.58
$1,464.58
$1,464.58

$239.58
$239.58

$200.00
$20.00

$1,264.58
$1,244.58

$239.58
$239.58
$89.58
$89.58
$89.58
$89.58
$89.58

$140.00
$331.60
$150.00

$1,104.58
$772.98
$622.98
$622.98
$482.98
$482.98
$482.98

$140.00

$89.58
$89.58
$89.58

$482.98
$482.98
$482.98

$89.58
$89.58
$89.58
$89.58
$89.58
$89.58

$482.98
$482.98
$482.98
$482.98
$482.98
$482.98

$89.58
$89.58
$89.58
$89.58
$89.58
$89.58
$89.58
$89.58
$89.58
$89.58
$89.58
$89.58
$89.58
$89.58

$482.98
$482.98
$482.98
$482.98
$482.98
$482.98
$482.98
$482.98
$482.98
$482.98
$482.98
$482.98
$0.00
$0.00

$482.98

$89.58
$89.58

$0.00
$0.00

$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00

$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00

$0.00

$1,664.58
TOTAL

$0.00

Month Total

$0.01

Income Worksheets
Income 1
$40,000.00 year
15% tax rate
$6,000.00 taxes
$34,000.00 take home
$2,833.33 monthly
$1,416.67 bi weekly
Income 2
$7,000.00 year
15% tax rate
$1,050.00 taxes
$5,950.00 take home
$495.83 monthly
$247.92 bi weekly

INSTRUCTIONS
The goal is to allocate (spend) 100% of your
income every month so that you end up with $0
left to allocate. This doesn't mean you're not
saving money. It means you know exactly what
you're going to do with every penny you bring in.
Put your income, debts, and expenses in the
period 1 or period 2 due column (D & G) according
to the dates they fall under. (If you use the column
J income calculators don't manually input your
income at D8, G8, and D9 and G9)
This should give you a good idea of what your
cash flow will be for a given month.
The "quick look" totals at the top will give you
an overall idea of what your surplus or deficit
will be for your current month.
In order to figure out your income first do it in
the "Income Worksheets" and it will update in the
columns.
Do not change any cells with formulas in them.
To keep yourself from inadvertently changing
formula cells you can lock the spreadsheet at
Tools>Protection>Protect Sheet (or Workbook)
The following page "Cash Flow" is automatically
updated from the figures on this page except
for the "actual spent" column in which you can
put your actual expenditures and compare to your
budget.

Here is the original blog post address if you'd like

support for this tool. You can also download the
most recent version here:
FREE BUDGETING TOOL

Quick Look Totals

Planned
Sub Total
TOTAL
Charitable Gifts
giving
other
Savings
emergency fund
college fund
retirement fund
Housing
first mortgage
second mortgage
rent
real estate taxes
homeowners ins
repairs or mn. fees
replace furniture
other
Utilities
electricity
water
gas
phone
trash
cable
Food
grocery
restaurants
Transportation
car payment
car payment
gas and oil
repairs and tires
insurance
license and taxes
car replacement
Clothing
children
adults
cleaning/laundry
Medical/Health
disability insurance
health insurance
doctor
dentist
optometrist
drugs
Personal
life insurance
toiletries
cosmetics
hair care
educational adult
school tuition
school supplies
child support
alimony
subscriptions
organization dues
gifts (inc. Christmas)
miscellaneous
*WHATEVER $$*
Recreation
entertainment
vacation
Debts
Credit Union
Bank Loan
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
Credit Card
other
other
other
other
other
other
other
other
other
other
other

this column updates automatically

Actual Spent
Sub Total
TOTAL

Monthly IncomeActual Spending Difference

% of pay

manually update this column

$300.00
$0.00

$300.00

$0.00

0.00%

$100.00
$0.00
$0.00

$100.00

$0.00

0.00%

$0.00
$0.00
$850.00
$0.00
$0.00
$0.00
$0.00
$0.00

$850.00

$0.00

0.00%

$70.00
$60.00
$0.00
$45.00
$0.00
$0.00

$175.00

$0.00

0.00%

$400.00
$20.00

$420.00

$0.00

0.00%

$140.00
$331.60
$300.00
$0.00
$140.00
$0.00
$0.00

$911.60

$0.00

0.00%

$0.00
$0.00
$0.00

$0.00

$0.00

0.00%

$0.00
$0.00
$0.00
$0.00
$0.00
$0.00

$0.00

$0.00

0.00%

$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$482.98
$0.00

$482.98

$0.00

0.00%

$0.00
$0.00

$0.00

$0.00

0.00%

$89.58

$0.00

0.00%

$3,329.16
$3,329.17
$0.01

$0.00
$3,329.17
$3,329.17

0.00%

$89.58
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
TOTAL

Total household income

Difference

$3,329.17

$0.00

$3,329.17