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Starting Balance Total Income Total Expenses NET (Income - Expenses) Projected End Balance

[42]

Total
155,000 434,000 -279,000

Avg
12,917 36,167 -23,250

10,000 39,500 -29,500 -29,500

10,000 39,500 -29,500 -59,000

10,000 39,500 -29,500

10,000 39,500 -29,500

10,000 34,500 -24,500

10,000 34,500 -24,500

10,000 34,500 -24,500

45,000 34,500 10,500

10,000 34,500 -24,500

10,000 34,500 -24,500

10,000 34,500 -24,500

10,000 34,500 -24,500

-88,500 -118,000 -142,500 -167,000 -191,500 -181,000 -205,500 -230,000 -254,500 -279,000

Monthly
JAN

FEB
10,000

MAR

APR

MAY
10,000

JUN

JUL

AUG
10,000 15,000 20,000

SEP

OCT

NOV
10,000

DEC

Total Average

INCOME
Maintenance New sales Services Other Total INCOME 10,000 10,000 10,000 10,000 10,000 10,000 10,000 45,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 120,000 15,000 20,000 0 155,000 10,000 1,250 1,667 0 12,917

EXPENSES
Office Rent Office Setup Costs Consultant (Logistic 2 person) Consultant (Financial) Consultant (Technical) Vehicle Payments (at least 3 car) Sales Manager Account Manager Secretaria and Comminication 5,000 5,000 6,000 3,000 3,000 3,000 6,000 6,000 2,500 5,000 5,000 6,000 3,000 3,000 3,000 6,000 6,000 2,500 5,000 5,000 6,000 3,000 3,000 3,000 6,000 6,000 2,500 5,000 5,000 6,000 3,000 3,000 3,000 6,000 6,000 2,500 5,000 0 6,000 3,000 3,000 3,000 6,000 6,000 2,500 5,000 0 6,000 3,000 3,000 3,000 6,000 6,000 2,500 5,000 0 6,000 3,000 3,000 3,000 6,000 6,000 2,500 5,000 0 6,000 3,000 3,000 3,000 6,000 6,000 2,500 5,000 0 6,000 3,000 3,000 3,000 6,000 6,000 2,500 5,000 0 6,000 3,000 3,000 3,000 6,000 6,000 2,500 5,000 0 6,000 3,000 3,000 3,000 6,000 6,000 2,500 5,000 0 6,000 3,000 3,000 3,000 6,000 6,000 2,500 60,000 20,000 72,000 36,000 36,000 36,000 72,000 72,000 30,000 0 0 0 Other Total EXPENSES 39,500 39,500 39,500 39,500 34,500 34,500 34,500 34,500 34,500 34,500 34,500 34,500 0 434,000 5,000 1,667 6,000 3,000 3,000 3,000 6,000 6,000 2,500 0 0 0 0 36,167

DAILY LIVING
Groceries Personal Supplies Clothing Cleaning Services Dining/Eating Out Dry Cleaning Salon/Barber 0 0 0 0 0 0 0 0 0 0 0 0 0 0

JAN Discretionary [Name 1] Discretionary [Name 2] Other Total DAILY LIVING 0

FEB

MAR

APR

MAY

JUN

JUL

AUG

SEP

OCT

NOV

DEC

Total Average
0 0 0 0 0 0 0

CHILDREN
Medical Clothing School Tuition School Lunch School Supplies Babysitting Toys/Games Other Total CHILDREN 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 0 0 0 0

TRANSPORTATION
Vehicle Payments Fuel Bus/Taxi/Train Fare Repairs Registration/License Other Total TRANSPORTATION 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

HEALTH
Doctor/Dentist Medicine/Drugs Health Club Dues Emergency Other Total HEALTH 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

INSURANCE
Auto Health Home/Rental Life Other 0 0 0 0 0 0 0 0 0 0

JAN Total INSURANCE 0

FEB
0

MAR 0

APR 0

MAY
0

JUN 0

JUL 0

AUG
0

SEP 0

OCT 0

NOV
0

DEC 0

Total Average
0 0

EDUCATION
Tuition Books Music Lessons Other Total EDUCATION 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

CHARITY/GIFTS
Gifts Given Charitable Donations Religious Donations Other Total CHARITY/GIFTS 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

SAVINGS
Emergency Fund Transfer to Savings Retirement (401k, IRA) Investments College Other Total SAVINGS 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

OBLIGATIONS
Student Loan Other Loan Credit Card #1 Credit Card #2 Credit Card #3 Alimony/Child Support Federal Taxes State/Local Taxes Legal Fees Other Total OBLIGATIONS 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 0 0 0 0 0 0 0 0

BUSINESS EXPENSE

JAN Deductible Expenses Non-Deductible Expenses Other Other Total BUSINESS EXPENSE 0

FEB

MAR

APR

MAY

JUN

JUL

AUG

SEP

OCT

NOV

DEC

Total Average
0 0 0 0 0 0 0 0 0

ENTERTAINMENT
Videos/DVDs Music Games Rentals Movies/Theater Concerts/Plays Books Hobbies Film/Photos Sports Outdoor Recreation Toys/Gadgets Other Total ENTERTAINMENT 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
{42}

0 0 0 0 0 0 0 0 0 0 0 0 0 0

PETS
Food Medical Toys/Supplies Other Total PETS 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

SUBSCRIPTIONS
Newspaper Magazines Dues Club Memberships Other Total SUBSCRIPTIONS 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

VACATION
Travel 0 0

JAN Lodging Food Rental Car Entertainment Other Total VACATION [42] 0

FEB

MAR

APR

MAY

JUN

JUL

AUG

SEP

OCT

NOV

DEC

Total Average
0 0 0 0 0 0 0 0 0 0 0

MISCELLANEOUS
Bank Fees Postage Other Other Other Total MISCELLANEOUS 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Help
2008 Vertex42 LLC

Instructions
This family budget planner is meant to help you create a budget for an entire year. Doing this will help you make predictions about where you may stand financially in the future. If you are moving, changing jobs, purchasing a home, or making other major life changes, it is essential to plan for many months down the road. 1. Edit/Create/Delete categories and subcategories Use row operations, such as deleting or inserting an entire row. The subtotal formulas are set up to allow this type of editing without messing up the formulas, but you should always insert a row ABOVE the last row in the group or BELOW the first row, so that the formulas stretch to include the row you added. 2. Verify that all of the subtotal formulas are correctly summing the correct cells 3. Modify the month headings as needed, to start with a different month 4. Enter your starting balance at the top of the worksheet. 5. Fill in the income and expenses for the year a. You can copy and paste cells as needed For example, enter an average fuel cost in Jan, and copy it across through Dec b. Include large lump payments in the months in which they will likely occur or use the approach of averaging the cost across each month. When using the averaging approach, consider that your actual balance may not reflect the predicted balance for the month. If you use the lump payment approach, it may be easier to compare actual balances, but make sure you have enough saved. c. Add cell comments as needed to help explain costs. For example, you might include the names of Birthdays in comments for the Gifts Given category

Updating the Balance Each Month


If your actual balance at the end of a month is substantially different than the projected balance, you may want to overwrite the formula in the "Projected End Balance" with your actual balance, to update the projections for the rest of the year.