PearBudget

[easy budgeting for everyone]

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
Charlie Park (charlie@pearbudget.com).
How To Use PearBudget
intro
PearBudget is meant to be a really straightforward and easy-to-use A Web 2.0 version of PearBudg
budget program. I know that—if you're like me—unless a budget's super
easy, you won't use it. The guided set-up process takes about 20
minutes, and it'll take you about 10 minutes each week to maintain
Simpler. More powerful. Ta
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 Visit www.pearbudget.com to si
follow the instructions below and you'll be set!

Keep in mind, you don't need to know Excel to use PearBudget. Just look
Friendly tip #1: Keep the names of yo
for the cells with the white background and fill in the info the program tells
columns immediately below this) shorter
you to. Please don't touch any cells that don't have a white
It really helps with the forma
background.

Regular Expenses are those that you have to pay every month. For
example, your mortgage is $1,000 every month. Your car insurance is Friendly tip #2: Make sure the categori
$100 each month. These are going to be about the same amount, are at the top of each column (to the r
month-in, month-out. These are not dynamic, meaning once you set below). It's fine to leave cells on the list
the amount for the year, you shouldn't change it. Examples are to make sure the blank ones are at the bot
the right. list.

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

step 1 To the right (and a little up), you can see the three different categories
10 mins (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 "rent" under "Regular (no more than 10)
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.
 Now that you've made your list of expenses and budgeting areas, it's time
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 = $900.00
phone bill = $64.50
insurance = $130.00
tithe = $255.00
donations = $20.00 total
savings = $50.00 $1,469.50
college = $50.00
0 =
0 =
0 =

Irregular Expenses = $ Spent Per Month

car maint. = $250.00
medical = $50.00
medicine = $25.00
gifts = $50.00
0 = total
0 = $375.00
0 =
0 =
0 =
0 =

Variable Expenses = $ Spent Per Month

housecare = $30.00
groceries = $400.00
dining out = $85.00
car gas = $100.00
haircuts = $35.00 total
misc. = $55.50 $705.50
0 =
0 = Friendly tip #4: In the budget, you'll
0 = upper right of certain cells (like on this
0 = you'll see popup comments tha

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 with the monthly charts and to get started! Each
month, you'll enter in the amounts spent in each category. You'll Friendly tip #5: One of the best ways
also enter in the amount of income you bring in each month. Look central "collection point" for your rece
for the white cells—those are the ones you'll enter numbers into. Check out Sunday evening), sit down and enter yo
the "Analysis" page (look at the bottom of the screen to see its tab), and slips) in to the appropriate categories o
you can see how you're doing in each category for the year. don't let your receipts stack up, this shou
per we
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. It doesn't have to be a January-to-December budget! They can
begin anywhere in the year with it! If you know someone who might
possibly be interested in it, please pass it on to them! I'm eager to develop
PearBudget further. Any one of these three actions will help me out!

Web 2.0 A Web 2.0 version of PearBudget is currently in the works.

Simpler. More powerful. Taking less. Giving more.

Visit www.pearbudget.com to sign up for the public beta test.

 b 2.0 version of PearBudget is currently in the works.

impler. More powerful. Taking less. Giving more.

ww.pearbudget .com to sign up for the public beta test.

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

Regular Expenses
p #2: Make sure the categories rent
e top of each column (to the right and phone bill
s fine to leave cells on the list blank, but insurance
the blank ones are at the bottom of the tithe
list. donations
savings
Irregular Expenses college
car maint.
medical
medicine
gifts (no more than 10)

(no more than 10)

 total
$2,550.00

Friendly tip #3: Is the

number above
approximately your
income per 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 the
ght of certain cells (like on this one). Mouse over those cells, and
ou'll see popup comments that might make things clearer.

tip #5: One of the best ways to manage your budget is to have a
collection point" for your receipts. Each week, at a set time (say,
vening), sit down and enter your receipts (and your check deposit
o the appropriate categories on that month's budget sheet. If you
ur receipts stack up, this shouldn't take more than 5 to 10 minutes
per week!
 Amount Spent on Variable Expenses
(changing amounts, spent every month) [Feel free to change the budgeted amount (row 36).]
Jan 2007 housecare groceries dining out car gas haircuts misc. 0 0 0
1 This This This
2 column column column
3 stays stays stays
4 blank. 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 $0.00 $0.00
budgeted $30.00 $400.00 $85.00 $100.00 $35.00 $55.50
difference $30.00 $400.00 $85.00 $100.00 $35.00 $55.50
Jan 2007 housecare groceries dining out car gas haircuts misc. 0 0 0
Amount Spent on Regular Expenses Amount Spent on Irregular Expenses
(same amount, spent every month) (changing amounts, spent at random points in the year) [Just enter in this month
rent car maint. medical medicine gifts 0 0
phone bill This This
insurance column column
tithe stays stays
 donations blank. blank.
savings
college
0
0
0
total: $0.00 $0.00 $0.00 $0.00
Analysis for January 2007

How To Use This Summary Analysis Variable Expenses Budgeting vs. Actual Spending
This is a summary of the month's income and expenses. At the [ what we thought we'd spend / what we really spent ]
end of the month, it'll explain how we did this month. It gives We were way off our budget for the month. We had planned to
you the same info you see above, just with its own spend $705.50 this month, and we ended up spending $0.00, so
interpretation. For a more in-depth look at your budget for the our planning was over by $705.50.
year, check out the "Analysis" page. (Keep in mind, that's just the Variable Expenses. The
"Analysis" page will show you how we're doing with Regular and
Area Budgeted Amt. Spent Difference Irregular Expenses.)
Variable $705.50 $0.00 $705.50
Regular $1,469.50 $0.00 $1,469.50 Total Income $0.00
Irregular $375.00 $0.00 $375.00 Total Expenses $0.00
Total $2,550.00 $0.00 $2,550.00 Difference $0.00
 0 total spent income what's left
This $0.00 -$1,844.50
column $0.00 -$1,844.50
stays $0.00 -$1,844.50
blank. $0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 $0.00 -$1,844.50
$705.50
$705.50 0
0 total spent income what's left
egular Expenses
ear) [Just enter in this month's expenses here.]
0 0 0 0
This This This This
column column column column
stays stays stays stays
 blank. blank. blank. blank.

Income vs. Expenses Overview

[ did we end up saving anything? ]
This month, we spent $0.00. That was ...
• $0.00 spent on Variable Expenses
(like housecare / groceries / etc.)
• $0.00 spent on Regular Expenses
(like rent / phone bill / etc.)
• $0.00 spent on Irregular Expenses
(like car maint. / medical / etc.)
We brought in $0.00 for the month, so we ended up breaking
even.
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 3
Feb 2007 housecare groceries dining out car gas haircuts misc.
1
2
3
4
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 $0.00 $0.00
budgeted $30.00 $400.00 $85.00 $100.00 $35.00 $55.50
difference $30.00 $400.00 $85.00 $100.00 $35.00 $55.50
Feb 2007 housecare groceries dining out car gas haircuts misc.
Amount Spent on Regular Expenses Amount S
(same amount, spent every month) (changing amounts, spent at random poin
rent car maint. medical medicine
phone bill
insurance
tithe
donations
savings
college
0
0
0
total: $0.00 $0.00 $0.00
Analysis for February 2007

How To Use This Summary Analysis Variable Expenses Budgeting vs. Actual Spend
This is a summary of the month's income and expenses. At the [ what we thought we'd spend / what we really spe
end of the month, it'll explain how we did this month. It gives We were way off our budget for the month. We had pla
you the same info you see above, just with its own spend $705.50 this month, and we ended up spending $
interpretation. For a more in-depth look at your budget for the our planning was over by $705.50.
year, check out the "Analysis" page. (Keep in mind, that's just the Variable Expenses.
"Analysis" page will show you how we're doing with Reg
Area Budgeted Amt. Spent Difference Irregular Expenses.)
Variable $705.50 $0.00 $705.50
Regular $1,469.50 $0.00 $1,469.50 Total Income
Irregular $375.00 $0.00 $375.00 Total Expenses
Total $2,550.00 $0.00 $2,550.00 Difference
 xpenses
ange the budgeted amount (row 36).]
0 0 0 0 total spent income what's left
This This This This $0.00 -$1,844.50
column column column column $0.00 -$1,844.50
stays stays stays stays $0.00 -$1,844.50
blank. blank. blank. blank. $0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 $0.00 -$1,844.50
$705.50
$705.50 0
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
This This This This This This
column column column column column column
stays stays stays stays stays stays
blank. blank. blank. blank. blank. blank.

$0.00
nalysis for February 2007

enses Budgeting vs. Actual Spending Income vs. Expenses Overview

ught we'd spend / what we really spent ] [ did we end up saving anything? ]
our budget for the month. We had planned to This month, we spent $0.00. That was ...
s month, and we ended up spending $0.00, so • $0.00 spent on Variable Expenses
planning was over by $705.50. (like housecare / groceries / etc.)
, that's just the Variable Expenses. The • $0.00 spent on Regular Expenses
l show you how we're doing with Regular and (like rent / phone bill / etc.)
Irregular Expenses.) • $0.00 spent on Irregular Expenses
 (like car maint. / medical / etc.)
otal Income $0.00 We brought in $0.00 for the month, so we ended up breaking
tal Expenses $0.00 even.
Difference $0.00 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 3
Mar 2007 housecare groceries dining out car gas haircuts misc.
1
2
3
4
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 $0.00 $0.00
budgeted $30.00 $400.00 $85.00 $100.00 $35.00 $55.50
difference $30.00 $400.00 $85.00 $100.00 $35.00 $55.50
Mar 2007 housecare groceries dining out car gas haircuts misc.
Amount Spent on Regular Expenses Amount S
(same amount, spent every month) (changing amounts, spent at random poin
rent car maint. medical medicine
phone bill
insurance
tithe
donations
savings
college
0
0
0
total: $0.00 $0.00 $0.00
Analysis for March 2007

How To Use This Summary Analysis Variable Expenses Budgeting vs. Actual Spend
This is a summary of the month's income and expenses. At the [ what we thought we'd spend / what we really spe
end of the month, it'll explain how we did this month. It gives We were way off our budget for the month. We had pla
you the same info you see above, just with its own spend $705.50 this month, and we ended up spending $
interpretation. For a more in-depth look at your budget for the our planning was over by $705.50.
year, check out the "Analysis" page. (Keep in mind, that's just the Variable Expenses.
"Analysis" page will show you how we're doing with Reg
Area Budgeted Amt. Spent Difference Irregular Expenses.)
Variable $705.50 $0.00 $705.50
Regular $1,469.50 $0.00 $1,469.50 Total Income
Irregular $375.00 $0.00 $375.00 Total Expenses
Total $2,550.00 $0.00 $2,550.00 Difference
 xpenses
ange the budgeted amount (row 36).]
0 0 0 0 total spent income what's left
This This This This $0.00 -$1,844.50
column column column column $0.00 -$1,844.50
stays stays stays stays $0.00 -$1,844.50
blank. blank. blank. blank. $0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 $0.00 -$1,844.50
$705.50
$705.50 0
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
This This This This This This
column column column column column column
stays stays stays stays stays stays
blank. blank. blank. blank. blank. blank.

$0.00
Analysis for March 2007

enses Budgeting vs. Actual Spending Income vs. Expenses Overview

ught we'd spend / what we really spent ] [ did we end up saving anything? ]
our budget for the month. We had planned to This month, we spent $0.00. That was ...
s month, and we ended up spending $0.00, so • $0.00 spent on Variable Expenses
planning was over by $705.50. (like housecare / groceries / etc.)
, that's just the Variable Expenses. The • $0.00 spent on Regular Expenses
l show you how we're doing with Regular and (like rent / phone bill / etc.)
Irregular Expenses.) • $0.00 spent on Irregular Expenses
 (like car maint. / medical / etc.)
otal Income $0.00 We brought in $0.00 for the month, so we ended up breaking
tal Expenses $0.00 even.
Difference $0.00 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 3
Apr 2007 housecare groceries dining out car gas haircuts misc.
1
2
3
4
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 $0.00 $0.00
budgeted $30.00 $400.00 $85.00 $100.00 $35.00 $55.50
difference $30.00 $400.00 $85.00 $100.00 $35.00 $55.50
Apr 2007 housecare groceries dining out car gas haircuts misc.
Amount Spent on Regular Expenses Amount S
(same amount, spent every month) (changing amounts, spent at random poin
rent car maint. medical medicine
phone bill
insurance
tithe
donations
savings
college
0
0
0
total: $0.00 $0.00 $0.00
Analysis for April 2007

How To Use This Summary Analysis Variable Expenses Budgeting vs. Actual Spend
This is a summary of the month's income and expenses. At the [ what we thought we'd spend / what we really spe
end of the month, it'll explain how we did this month. It gives We were way off our budget for the month. We had pla
you the same info you see above, just with its own spend $705.50 this month, and we ended up spending $
interpretation. For a more in-depth look at your budget for the our planning was over by $705.50.
year, check out the "Analysis" page. (Keep in mind, that's just the Variable Expenses.
"Analysis" page will show you how we're doing with Reg
Area Budgeted Amt. Spent Difference Irregular Expenses.)
Variable $705.50 $0.00 $705.50
Regular $1,469.50 $0.00 $1,469.50 Total Income
Irregular $375.00 $0.00 $375.00 Total Expenses
Total $2,550.00 $0.00 $2,550.00 Difference
 xpenses
ange the budgeted amount (row 36).]
0 0 0 0 total spent income what's left
This This This This $0.00 -$1,844.50
column column column column $0.00 -$1,844.50
stays stays stays stays $0.00 -$1,844.50
blank. blank. blank. blank. $0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 $0.00 -$1,844.50
$705.50
$705.50 0
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
This This This This This This
column column column column column column
stays stays stays stays stays stays
blank. blank. blank. blank. blank. blank.

$0.00
Analysis for April 2007

enses Budgeting vs. Actual Spending Income vs. Expenses Overview

ught we'd spend / what we really spent ] [ did we end up saving anything? ]
our budget for the month. We had planned to This month, we spent $0.00. That was ...
s month, and we ended up spending $0.00, so • $0.00 spent on Variable Expenses
planning was over by $705.50. (like housecare / groceries / etc.)
, that's just the Variable Expenses. The • $0.00 spent on Regular Expenses
l show you how we're doing with Regular and (like rent / phone bill / etc.)
Irregular Expenses.) • $0.00 spent on Irregular Expenses
 (like car maint. / medical / etc.)
otal Income $0.00 We brought in $0.00 for the month, so we ended up breaking
tal Expenses $0.00 even.
Difference $0.00 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 3
May 2007 housecare groceries dining out car gas haircuts misc.
1
2
3
4
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 $0.00 $0.00
budgeted $30.00 $400.00 $85.00 $100.00 $35.00 $55.50
difference $30.00 $400.00 $85.00 $100.00 $35.00 $55.50
May 2007 housecare groceries dining out car gas haircuts misc.
Amount Spent on Regular Expenses Amount S
(same amount, spent every month) (changing amounts, spent at random poin
rent car maint. medical medicine
phone bill
insurance
tithe
donations
savings
college
0
0
0
total: $0.00 $0.00 $0.00
Analysis for May 2007

How To Use This Summary Analysis Variable Expenses Budgeting vs. Actual Spend
This is a summary of the month's income and expenses. At the [ what we thought we'd spend / what we really spe
end of the month, it'll explain how we did this month. It gives We were way off our budget for the month. We had pla
you the same info you see above, just with its own spend $705.50 this month, and we ended up spending $
interpretation. For a more in-depth look at your budget for the our planning was over by $705.50.
year, check out the "Analysis" page. (Keep in mind, that's just the Variable Expenses.
"Analysis" page will show you how we're doing with Reg
Area Budgeted Amt. Spent Difference Irregular Expenses.)
Variable $705.50 $0.00 $705.50
Regular $1,469.50 $0.00 $1,469.50 Total Income
Irregular $375.00 $0.00 $375.00 Total Expenses
Total $2,550.00 $0.00 $2,550.00 Difference
 xpenses
ange the budgeted amount (row 36).]
0 0 0 0 total spent income what's left
This This This This $0.00 -$1,844.50
column column column column $0.00 -$1,844.50
stays stays stays stays $0.00 -$1,844.50
blank. blank. blank. blank. $0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 $0.00 -$1,844.50
$705.50
$705.50 0
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
This This This This This This
column column column column column column
stays stays stays stays stays stays
blank. blank. blank. blank. blank. blank.

$0.00
Analysis for May 2007

enses Budgeting vs. Actual Spending Income vs. Expenses Overview

ught we'd spend / what we really spent ] [ did we end up saving anything? ]
our budget for the month. We had planned to This month, we spent $0.00. That was ...
s month, and we ended up spending $0.00, so • $0.00 spent on Variable Expenses
planning was over by $705.50. (like housecare / groceries / etc.)
, that's just the Variable Expenses. The • $0.00 spent on Regular Expenses
l show you how we're doing with Regular and (like rent / phone bill / etc.)
Irregular Expenses.) • $0.00 spent on Irregular Expenses
 (like car maint. / medical / etc.)
otal Income $0.00 We brought in $0.00 for the month, so we ended up breaking
tal Expenses $0.00 even.
Difference $0.00 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 3
Jun 2007 housecare groceries dining out car gas haircuts misc.
1
2
3
4
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 $0.00 $0.00
budgeted $30.00 $400.00 $85.00 $100.00 $35.00 $55.50
difference $30.00 $400.00 $85.00 $100.00 $35.00 $55.50
Jun 2007 housecare groceries dining out car gas haircuts misc.
Amount Spent on Regular Expenses Amount S
(same amount, spent every month) (changing amounts, spent at random poin
rent car maint. medical medicine
phone bill
insurance
tithe
donations
savings
college
0
0
0
total: $0.00 $0.00 $0.00
Analysis for June 2007

How To Use This Summary Analysis Variable Expenses Budgeting vs. Actual Spend
This is a summary of the month's income and expenses. At the [ what we thought we'd spend / what we really spe
end of the month, it'll explain how we did this month. It gives We were way off our budget for the month. We had pla
you the same info you see above, just with its own spend $705.50 this month, and we ended up spending $
interpretation. For a more in-depth look at your budget for the our planning was over by $705.50.
year, check out the "Analysis" page. (Keep in mind, that's just the Variable Expenses.
"Analysis" page will show you how we're doing with Reg
Area Budgeted Amt. Spent Difference Irregular Expenses.)
Variable $705.50 $0.00 $705.50
Regular $1,469.50 $0.00 $1,469.50 Total Income
Irregular $375.00 $0.00 $375.00 Total Expenses
Total $2,550.00 $0.00 $2,550.00 Difference
 xpenses
ange the budgeted amount (row 36).]
0 0 0 0 total spent income what's left
This This This This $0.00 -$1,844.50
column column column column $0.00 -$1,844.50
stays stays stays stays $0.00 -$1,844.50
blank. blank. blank. blank. $0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 $0.00 -$1,844.50
$705.50
$705.50 0
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
This This This This This This
column column column column column column
stays stays stays stays stays stays
blank. blank. blank. blank. blank. blank.

$0.00
Analysis for June 2007

enses Budgeting vs. Actual Spending Income vs. Expenses Overview

ught we'd spend / what we really spent ] [ did we end up saving anything? ]
our budget for the month. We had planned to This month, we spent $0.00. That was ...
s month, and we ended up spending $0.00, so • $0.00 spent on Variable Expenses
planning was over by $705.50. (like housecare / groceries / etc.)
, that's just the Variable Expenses. The • $0.00 spent on Regular Expenses
l show you how we're doing with Regular and (like rent / phone bill / etc.)
Irregular Expenses.) • $0.00 spent on Irregular Expenses
 (like car maint. / medical / etc.)
otal Income $0.00 We brought in $0.00 for the month, so we ended up breaking
tal Expenses $0.00 even.
Difference $0.00 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 3
Jul 2007 housecare groceries dining out car gas haircuts misc.
1
2
3
4
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 $0.00 $0.00
budgeted $30.00 $400.00 $85.00 $100.00 $35.00 $55.50
difference $30.00 $400.00 $85.00 $100.00 $35.00 $55.50
Jul 2007 housecare groceries dining out car gas haircuts misc.
Amount Spent on Regular Expenses Amount S
(same amount, spent every month) (changing amounts, spent at random poin
rent car maint. medical medicine
phone bill
insurance
tithe
donations
savings
college
0
0
0
total: $0.00 $0.00 $0.00
Analysis for July 2007

How To Use This Summary Analysis Variable Expenses Budgeting vs. Actual Spend
This is a summary of the month's income and expenses. At the [ what we thought we'd spend / what we really spe
end of the month, it'll explain how we did this month. It gives We were way off our budget for the month. We had pla
you the same info you see above, just with its own spend $705.50 this month, and we ended up spending $
interpretation. For a more in-depth look at your budget for the our planning was over by $705.50.
year, check out the "Analysis" page. (Keep in mind, that's just the Variable Expenses.
"Analysis" page will show you how we're doing with Reg
Area Budgeted Amt. Spent Difference Irregular Expenses.)
Variable $705.50 $0.00 $705.50
Regular $1,469.50 $0.00 $1,469.50 Total Income
Irregular $375.00 $0.00 $375.00 Total Expenses
Total $2,550.00 $0.00 $2,550.00 Difference
 xpenses
ange the budgeted amount (row 36).]
0 0 0 0 total spent income what's left
This This This This $0.00 -$1,844.50
column column column column $0.00 -$1,844.50
stays stays stays stays $0.00 -$1,844.50
blank. blank. blank. blank. $0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 $0.00 -$1,844.50
$705.50
$705.50 0
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
This This This This This This
column column column column column column
stays stays stays stays stays stays
blank. blank. blank. blank. blank. blank.

$0.00
Analysis for July 2007

enses Budgeting vs. Actual Spending Income vs. Expenses Overview

ught we'd spend / what we really spent ] [ did we end up saving anything? ]
our budget for the month. We had planned to This month, we spent $0.00. That was ...
s month, and we ended up spending $0.00, so • $0.00 spent on Variable Expenses
planning was over by $705.50. (like housecare / groceries / etc.)
, that's just the Variable Expenses. The • $0.00 spent on Regular Expenses
l show you how we're doing with Regular and (like rent / phone bill / etc.)
Irregular Expenses.) • $0.00 spent on Irregular Expenses
 (like car maint. / medical / etc.)
otal Income $0.00 We brought in $0.00 for the month, so we ended up breaking
tal Expenses $0.00 even.
Difference $0.00 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 3
Aug 2007 housecare groceries dining out car gas haircuts misc.
1
2
3
4
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 $0.00 $0.00
budgeted $30.00 $400.00 $85.00 $100.00 $35.00 $55.50
difference $30.00 $400.00 $85.00 $100.00 $35.00 $55.50
Aug 2007 housecare groceries dining out car gas haircuts misc.
Amount Spent on Regular Expenses Amount S
(same amount, spent every month) (changing amounts, spent at random poin
rent car maint. medical medicine
phone bill
insurance
tithe
donations
savings
college
0
0
0
total: $0.00 $0.00 $0.00
Analysis for August 2007

How To Use This Summary Analysis Variable Expenses Budgeting vs. Actual Spend
This is a summary of the month's income and expenses. At the [ what we thought we'd spend / what we really spe
end of the month, it'll explain how we did this month. It gives We were way off our budget for the month. We had pla
you the same info you see above, just with its own spend $705.50 this month, and we ended up spending $
interpretation. For a more in-depth look at your budget for the our planning was over by $705.50.
year, check out the "Analysis" page. (Keep in mind, that's just the Variable Expenses.
"Analysis" page will show you how we're doing with Reg
Area Budgeted Amt. Spent Difference Irregular Expenses.)
Variable $705.50 $0.00 $705.50
Regular $1,469.50 $0.00 $1,469.50 Total Income
Irregular $375.00 $0.00 $375.00 Total Expenses
Total $2,550.00 $0.00 $2,550.00 Difference
 xpenses
ange the budgeted amount (row 36).]
0 0 0 0 total spent income what's left
This This This This $0.00 -$1,844.50
column column column column $0.00 -$1,844.50
stays stays stays stays $0.00 -$1,844.50
blank. blank. blank. blank. $0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 $0.00 -$1,844.50
$705.50
$705.50 0
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
This This This This This This
column column column column column column
stays stays stays stays stays stays
blank. blank. blank. blank. blank. blank.

$0.00
Analysis for August 2007

enses Budgeting vs. Actual Spending Income vs. Expenses Overview

ught we'd spend / what we really spent ] [ did we end up saving anything? ]
our budget for the month. We had planned to This month, we spent $0.00. That was ...
s month, and we ended up spending $0.00, so • $0.00 spent on Variable Expenses
planning was over by $705.50. (like housecare / groceries / etc.)
, that's just the Variable Expenses. The • $0.00 spent on Regular Expenses
l show you how we're doing with Regular and (like rent / phone bill / etc.)
Irregular Expenses.) • $0.00 spent on Irregular Expenses
 (like car maint. / medical / etc.)
otal Income $0.00 We brought in $0.00 for the month, so we ended up breaking
tal Expenses $0.00 even.
Difference $0.00 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 3
Sep 2007 housecare groceries dining out car gas haircuts misc.
1
2
3
4
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 $0.00 $0.00
budgeted $30.00 $400.00 $85.00 $100.00 $35.00 $55.50
difference $30.00 $400.00 $85.00 $100.00 $35.00 $55.50
Sep 2007 housecare groceries dining out car gas haircuts misc.
Amount Spent on Regular Expenses Amount S
(same amount, spent every month) (changing amounts, spent at random poin
rent car maint. medical medicine
phone bill
insurance
tithe
donations
savings
college
0
0
0
total: $0.00 $0.00 $0.00
Analysis for September 2007

How To Use This Summary Analysis Variable Expenses Budgeting vs. Actual Spend
This is a summary of the month's income and expenses. At the [ what we thought we'd spend / what we really spe
end of the month, it'll explain how we did this month. It gives We were way off our budget for the month. We had pla
you the same info you see above, just with its own spend $705.50 this month, and we ended up spending $
interpretation. For a more in-depth look at your budget for the our planning was over by $705.50.
year, check out the "Analysis" page. (Keep in mind, that's just the Variable Expenses.
"Analysis" page will show you how we're doing with Reg
Area Budgeted Amt. Spent Difference Irregular Expenses.)
Variable $705.50 $0.00 $705.50
Regular $1,469.50 $0.00 $1,469.50 Total Income
Irregular $375.00 $0.00 $375.00 Total Expenses
Total $2,550.00 $0.00 $2,550.00 Difference
 xpenses
ange the budgeted amount (row 36).]
0 0 0 0 total spent income what's left
This This This This $0.00 -$1,844.50
column column column column $0.00 -$1,844.50
stays stays stays stays $0.00 -$1,844.50
blank. blank. blank. blank. $0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 $0.00 -$1,844.50
$705.50
$705.50 0
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
This This This This This This
column column column column column column
stays stays stays stays stays stays
blank. blank. blank. blank. blank. blank.

$0.00
nalysis for September 2007

enses Budgeting vs. Actual Spending Income vs. Expenses Overview

ught we'd spend / what we really spent ] [ did we end up saving anything? ]
our budget for the month. We had planned to This month, we spent $0.00. That was ...
s month, and we ended up spending $0.00, so • $0.00 spent on Variable Expenses
planning was over by $705.50. (like housecare / groceries / etc.)
, that's just the Variable Expenses. The • $0.00 spent on Regular Expenses
l show you how we're doing with Regular and (like rent / phone bill / etc.)
Irregular Expenses.) • $0.00 spent on Irregular Expenses
 (like car maint. / medical / etc.)
otal Income $0.00 We brought in $0.00 for the month, so we ended up breaking
tal Expenses $0.00 even.
Difference $0.00 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 3
Oct 2007 housecare groceries dining out car gas haircuts misc.
1
2
3
4
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 $0.00 $0.00
budgeted $30.00 $400.00 $85.00 $100.00 $35.00 $55.50
difference $30.00 $400.00 $85.00 $100.00 $35.00 $55.50
Oct 2007 housecare groceries dining out car gas haircuts misc.
Amount Spent on Regular Expenses Amount S
(same amount, spent every month) (changing amounts, spent at random poin
rent car maint. medical medicine
phone bill
insurance
tithe
donations
savings
college
0
0
0
total: $0.00 $0.00 $0.00
Analysis for October 2007

How To Use This Summary Analysis Variable Expenses Budgeting vs. Actual Spend
This is a summary of the month's income and expenses. At the [ what we thought we'd spend / what we really spe
end of the month, it'll explain how we did this month. It gives We were way off our budget for the month. We had pla
you the same info you see above, just with its own spend $705.50 this month, and we ended up spending $
interpretation. For a more in-depth look at your budget for the our planning was over by $705.50.
year, check out the "Analysis" page. (Keep in mind, that's just the Variable Expenses.
"Analysis" page will show you how we're doing with Reg
Area Budgeted Amt. Spent Difference Irregular Expenses.)
Variable $705.50 $0.00 $705.50
Regular $1,469.50 $0.00 $1,469.50 Total Income
Irregular $375.00 $0.00 $375.00 Total Expenses
Total $2,550.00 $0.00 $2,550.00 Difference
 xpenses
ange the budgeted amount (row 36).]
0 0 0 0 total spent income what's left
This This This This $0.00 -$1,844.50
column column column column $0.00 -$1,844.50
stays stays stays stays $0.00 -$1,844.50
blank. blank. blank. blank. $0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 $0.00 -$1,844.50
$705.50
$705.50 0
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
This This This This This This
column column column column column column
stays stays stays stays stays stays
blank. blank. blank. blank. blank. blank.

$0.00
Analysis for October 2007

enses Budgeting vs. Actual Spending Income vs. Expenses Overview

ught we'd spend / what we really spent ] [ did we end up saving anything? ]
our budget for the month. We had planned to This month, we spent $0.00. That was ...
s month, and we ended up spending $0.00, so • $0.00 spent on Variable Expenses
planning was over by $705.50. (like housecare / groceries / etc.)
, that's just the Variable Expenses. The • $0.00 spent on Regular Expenses
l show you how we're doing with Regular and (like rent / phone bill / etc.)
Irregular Expenses.) • $0.00 spent on Irregular Expenses
 (like car maint. / medical / etc.)
otal Income $0.00 We brought in $0.00 for the month, so we ended up breaking
tal Expenses $0.00 even.
Difference $0.00 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 3
Nov 2007 housecare groceries dining out car gas haircuts misc.
1
2
3
4
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 $0.00 $0.00
budgeted $30.00 $400.00 $85.00 $100.00 $35.00 $55.50
difference $30.00 $400.00 $85.00 $100.00 $35.00 $55.50
Nov 2007 housecare groceries dining out car gas haircuts misc.
Amount Spent on Regular Expenses Amount S
(same amount, spent every month) (changing amounts, spent at random poin
rent car maint. medical medicine
phone bill
insurance
tithe
donations
savings
college
0
0
0
total: $0.00 $0.00 $0.00
Analysis for November 2007

How To Use This Summary Analysis Variable Expenses Budgeting vs. Actual Spend
This is a summary of the month's income and expenses. At the [ what we thought we'd spend / what we really spe
end of the month, it'll explain how we did this month. It gives We were way off our budget for the month. We had pla
you the same info you see above, just with its own spend $705.50 this month, and we ended up spending $
interpretation. For a more in-depth look at your budget for the our planning was over by $705.50.
year, check out the "Analysis" page. (Keep in mind, that's just the Variable Expenses.
"Analysis" page will show you how we're doing with Reg
Area Budgeted Amt. Spent Difference Irregular Expenses.)
Variable $705.50 $0.00 $705.50
Regular $1,469.50 $0.00 $1,469.50 Total Income
Irregular $375.00 $0.00 $375.00 Total Expenses
Total $2,550.00 $0.00 $2,550.00 Difference
 xpenses
ange the budgeted amount (row 36).]
0 0 0 0 total spent income what's left
This This This This $0.00 -$1,844.50
column column column column $0.00 -$1,844.50
stays stays stays stays $0.00 -$1,844.50
blank. blank. blank. blank. $0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 $0.00 -$1,844.50
$705.50
$705.50 0
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
This This This This This This
column column column column column column
stays stays stays stays stays stays
blank. blank. blank. blank. blank. blank.

$0.00
nalysis for November 2007

enses Budgeting vs. Actual Spending Income vs. Expenses Overview

ught we'd spend / what we really spent ] [ did we end up saving anything? ]
our budget for the month. We had planned to This month, we spent $0.00. That was ...
s month, and we ended up spending $0.00, so • $0.00 spent on Variable Expenses
planning was over by $705.50. (like housecare / groceries / etc.)
, that's just the Variable Expenses. The • $0.00 spent on Regular Expenses
l show you how we're doing with Regular and (like rent / phone bill / etc.)
Irregular Expenses.) • $0.00 spent on Irregular Expenses
 (like car maint. / medical / etc.)
otal Income $0.00 We brought in $0.00 for the month, so we ended up breaking
tal Expenses $0.00 even.
Difference $0.00 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 3
Dec 2007 housecare groceries dining out car gas haircuts misc.
1
2
3
4
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 $0.00 $0.00
budgeted $30.00 $400.00 $85.00 $100.00 $35.00 $55.50
difference $30.00 $400.00 $85.00 $100.00 $35.00 $55.50
Dec 2007 housecare groceries dining out car gas haircuts misc.
Amount Spent on Regular Expenses Amount S
(same amount, spent every month) (changing amounts, spent at random poin
rent car maint. medical medicine
phone bill
insurance
tithe
donations
savings
college
0
0
0
total: $0.00 $0.00 $0.00
Analysis for December 2007

How To Use This Summary Analysis Variable Expenses Budgeting vs. Actual Spend
This is a summary of the month's income and expenses. At the [ what we thought we'd spend / what we really spe
end of the month, it'll explain how we did this month. It gives We were way off our budget for the month. We had pla
you the same info you see above, just with its own spend $705.50 this month, and we ended up spending $
interpretation. For a more in-depth look at your budget for the our planning was over by $705.50.
year, check out the "Analysis" page. (Keep in mind, that's just the Variable Expenses.
"Analysis" page will show you how we're doing with Reg
Area Budgeted Amt. Spent Difference Irregular Expenses.)
Variable $705.50 $0.00 $705.50
Regular $1,469.50 $0.00 $1,469.50 Total Income
Irregular $375.00 $0.00 $375.00 Total Expenses
Total $2,550.00 $0.00 $2,550.00 Difference
 xpenses
ange the budgeted amount (row 36).]
0 0 0 0 total spent income what's left
This This This This $0.00 -$1,844.50
column column column column $0.00 -$1,844.50
stays stays stays stays $0.00 -$1,844.50
blank. blank. blank. blank. $0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 -$1,844.50
$0.00 $0.00 -$1,844.50
$705.50
$705.50 0
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
This This This This This This
column column column column column column
stays stays stays stays stays stays
blank. blank. blank. blank. blank. blank.

$0.00
nalysis for December 2007

enses Budgeting vs. Actual Spending Income vs. Expenses Overview

ught we'd spend / what we really spent ] [ did we end up saving anything? ]
our budget for the month. We had planned to This month, we spent $0.00. That was ...
s month, and we ended up spending $0.00, so • $0.00 spent on Variable Expenses
planning was over by $705.50. (like housecare / groceries / etc.)
, that's just the Variable Expenses. The • $0.00 spent on Regular Expenses
l show you how we're doing with Regular and (like rent / phone bill / etc.)
Irregular Expenses.) • $0.00 spent on Irregular Expenses
 (like car maint. / medical / etc.)
otal Income $0.00 We brought in $0.00 for the month, so we ended up breaking
tal Expenses $0.00 even.
Difference $0.00 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 t

Regular Monthly Budgeted Regular Expenses: Amount

Spending Area Amount Jan Feb Mar Apr May
rent $900.00
phone bill $64.50
insurance $130.00
tithe $255.00
donations $20.00
savings $50.00
college $50.00
0 $0.00
0 $0.00
0 $0.00
Total $1,469.50 $0.00 $0.00 $0.00 $0.00 $0.00

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

Irregular Monthly Budgeted Irregular Expenses: Amount

Spending Area Amount Jan Feb Mar Apr May
car maint. $250.00 ($3,000 / yr)
medical $50.00 ($600 / yr)
medicine $25.00 ($300 / yr)
gifts $50.00 ($600 / yr)
0 $0.00 ($0 / yr)
0 $0.00 ($0 / yr)
0 $0.00 ($0 / yr)
0 $0.00 ($0 / yr)
0 $0.00 ($0 / yr)
0 $0.00 ($0 / yr)
Total $375.00 ($4,500 / yr) $0.00 $0.00 $0.00 $0.00 $0.00

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

Variable Expenses Jan Feb Mar Apr May

spent
housecare budgeted
difference
spent
groceries budgeted
difference
spent
dining out budgeted
difference
spent
car gas budgeted
difference
spent
haircuts budgeted
difference
spent
misc. budgeted
difference
spent
0 budgeted
difference
spent
0 budgeted
difference
spent
0
 0 budgeted
difference
spent
0 budgeted
difference
Totals spent $0.00 $0.00 $0.00 $0.00 $0.00
(Variable budgeted $0.00 $0.00 $0.00 $0.00 $0.00
Expenses) difference $0.00 $0.00 $0.00 $0.00 $0.00

Summary Jan Feb Mar Apr May

Total Income $0.00 $0.00 $0.00 $0.00 $0.00
Reg. Expenses $0.00 $0.00 $0.00 $0.00 $0.00
Irreg. Expenses $0.00 $0.00 $0.00 $0.00 $0.00
active months Variable Expenses $0.00 $0.00 $0.00 $0.00 $0.00
so far: Total Expenses $0.00 $0.00 $0.00 $0.00 $0.00
0 Balance $0.00 $0.00 $0.00 $0.00 $0.00

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

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

Regular Expenses: Amount Spent In ...

Total Spent Amount Left
Jun Jul Aug Sep Oct Nov Dec
$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

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

Irregular Expenses: Amount Spent In ...

Total Spent Amount Left
Jun Jul Aug Sep Oct Nov Dec
$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

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

Jun Jul Aug Sep Oct Nov Dec Total Average

$0.00 #DIV/0!
$0.00 #DIV/0!
$0.00 #DIV/0!
$0.00 #DIV/0!
$0.00 #DIV/0!
$0.00 #DIV/0!
$0.00 #DIV/0!
$0.00 #DIV/0!
$0.00 #DIV/0!
$0.00 #DIV/0!
$0.00 #DIV/0!
$0.00 #DIV/0!
$0.00 #DIV/0!
$0.00 #DIV/0!
$0.00 #DIV/0!
$0.00 #DIV/0!
$0.00 #DIV/0!
$0.00 #DIV/0!
$0.00 #DIV/0!
$0.00 #DIV/0!
$0.00 #DIV/0!
$0.00 #DIV/0!
$0.00 #DIV/0!
$0.00 #DIV/0!
$0.00 #DIV/0!
 $0.00 #DIV/0!
$0.00 #DIV/0!
$0.00 #DIV/0!
$0.00 #DIV/0!
$0.00 #DIV/0!
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 #DIV/0!
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 #DIV/0!
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 #DIV/0!

Jun Jul Aug Sep Oct Nov Dec Total Average

$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 #DIV/0!
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 #DIV/0!
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 #DIV/0!
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 #DIV/0!
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 #DIV/0!
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 #DIV/0!

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

Year in Summary
Regular Expenses $0.00
Irregular Expenses $0.00
Variable Expenses $0.00
Total Expenses $0.00
Total Income $0.00
Total Saved in 2006 $0.00
 Amount Spent on Variable Expenses
(changing amounts, spent every month) [Feel free to change the budgeted amount (row 3
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 S
(same amount, spent every month) (changing amounts, spent at random poin
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

How To Use This Summary Analysis Variable Expenses Budgeting vs. Actual Spend
This is a summary of the month's income and expenses. At the [ what we thought we'd spend / what we really spe
end of the month, it'll explain how we did this month. It gives We were pretty close to our budget for the month. W
you the same info you see above, just with its own planned to spend $705.50 this month, and we ende
interpretation. For a more in-depth look at your budget for the spending $685.87, so our planning was over by $19
year, check out the "Analysis" page. (Keep in mind, that's just the Variable Expenses.
"Analysis" page will show you how we're doing with Reg
Area Budgeted Amt. Spent Difference Irregular Expenses.)
Variable $705.50 $685.87 $19.63
Regular $1,469.50 $1,479.50 -$10.00 Total Income
Irregular $375.00 $218.15 $156.85 Total Expenses
Total $2,550.00 $2,383.52 $166.48 Difference
 xpenses This is how your budget might look at
ange the budgeted amount (row 36).] the end of a month.
0 0 0 0 total spent income what's left
This This This This $0.00 $2,100.00 $255.50
column column column column $111.88 $143.62
stays stays stays stays $0.00 $143.62
blank. blank. blank. blank. $0.00 $143.62
$18.50 $300.00 $425.12
$11.14 $413.98
$0.00 $413.98
$0.00 $413.98
$160.09 $253.89
$0.00 $253.89
$0.00 $253.89
$0.00 $253.89
$25.00 $228.89
$0.00 $228.89
$81.50 $147.39
$94.21 $53.18
$0.00 $53.18
$0.00 $53.18
$0.00 $53.18
$16.00 $37.18
$0.00 $37.18
$97.22 -$60.04
$0.00 -$60.04
$0.00 $200.00 $139.96
$5.22 $134.74
$0.00 $134.74
$40.11 $94.63
$0.00 $94.63
$25.00 $69.63
$0.00 $69.63
$0.00 $69.63
$685.87 $2,600.00 $69.63
$705.50
$19.63 1
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? ]
close to our budget for the month. We had This month, we spent $2,383.52. That was ...
nd $705.50 this month, and we ended up • $685.87 spent on Variable Expenses
.87, so our planning was over by $19.63. (like housecare / groceries / etc.)
, that's just the Variable Expenses. The • $1,479.50 spent on Regular Expenses
l show you how we're doing with Regular and (like rent / phone bill / etc.)
Irregular Expenses.) • $218.15 spent on Irregular Expenses
 (like car maint. / medical / etc.)
otal Income $2,600.00 We brought in $2,600.00 for the month, so we ended up making
tal Expenses $2,383.52 $216.48 beyond what we spent.
Difference $216.48 You can see a chart outlining that info to the left.