Vertex42 Money Manager 2.

1
®

INSTRUCTIONS - For Excel 2010 or Later © 2010-2021 Vertex42 LLC

Introduction
The Vertex42® Money Manager can be a fairly 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
- Edit cells with a gray border:
- Some of the labels include cell comments (marked with little red triangles) to provide
extra help information.
- 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" online
or in the help system to learn 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

The easiest way to get started is to use the default set of budget categories.

• Edit budget categories in the Budget worksheet only.

The other worksheets refer directly to the Budget worksheet.
• Do not insert more rows in the Budget or Report worksheets. This spreadsheet allows
a limited number of budget categories. Although it is possible to add more, you will need
a lot more spreadsheet knowledge to make the necessary changes.
• Unhide the hidden rows in the Budget and Report worksheets if you need more categories.
• No Duplicate Category Names.
Using duplicate category names will result in errors, but you may not notice the errors.
Make sure that each category is UNIQUE.

Step 2 Define Your List of Accounts

Edit the Accounts worksheet.
The list in the Accounts worksheet will 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.
 Goals: The account list includes a place to list a Goal and the % column shows your progress
towards that goal. This may be useful for listing savings fund goals or check reserve amounts.

Step 3 Define Your Yearly Budget

Define your budget using the Budget worksheet. Edit only the cells with the gray outline.

Learn more about budgeting on Vertex42.com:

Budgeting Tips and Tools >
Article: How to Budget >

• 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 down.
When you insert a blank row, some formatting is copied from the row above it automatically,
but formulas are not copied. You can press CTRL+d after inserting a new row to quickly
copy all formulas and formatting from the row immediately above.

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

Date: To quickly enter the current date, use the keyboard shortcut CTRL+;
 The list of dates to the right is used to populate the drop-down box. For other dates,
you will need to enter the date manually. For a date in the current year, you can use the
shortcut of just entering the month/day like 5/16.

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 budget Category field is essential to the functionality of this workbook.
The dropdown list refers to the categories in the Budget worksheet.

If you enter a category that is not listed in the Budget worksheet, the cell is highlighted:
The highlighting is done via conditional formatting. If you insert rows in a way that does
not copy formatting, you'll lose this error-checking feature.

IMPORTANT: If you have chosen a category such as "Ted's Fund" and then later remove
"Ted's Fund" from the Budget 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

Tracking a Loan Balance

If you want to track a loan balance by listing it as one of your Accounts, you will need to
record a loan payment as a split transaction. For the following example, the loan payment
of $500 consists of $300 principal, $150 interest, and $50 insurance. The $300 principal
portion is added to the loan account balance and recorded as a [Transfer].

Example $500 Loan Payment where $300 is Principal

ACCOUNT DATE NUM PAYEE MEMO CATEGORY PAYMENT DEPOSIT
Loan A 1/1/21 TXFR [From Checking] [Transfer] 300.00
Checking 1/1/21 TXFR ABC Bank Split Debt Payoff 300.00
Checking 1/1/21 TXFR ABC Bank Split Interest Exp 150.00
Checking 1/1/21 TXFR ABC Bank Split Insurance 50.00
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.

ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT

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:
ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT
CreditCard 1/1/10 The Big Store Appliances 50.00

Recording the Return:

ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT
CreditCard 1/5/10 The Big Store Appliances -50.00

Budgeting for Known Future Expenses (e.g. car, holiday, vacation, etc.)
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.
The transfers are recorded as expenses at the time the money is transferred as explained
above in the section "Recording a [Transfer] to SAVINGS."

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? You don't want to record the expense twice.

If you can pay directly from your Savings account:

You have already recorded the payments as expenses when you transferred the money to
Savings, so leave the Category blank when recording the payment. The payment will not
show up in your budget report a second time (because the Category column is blank).

ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT

Savings 6/1/14 chk ABC Insurance 198.00

If you can't pay directly from your Savings account:

 First transfer the amount saved from Savings to Checking, recording the transfer as a
credit to the expense category. Then, record the payment from Checking like normal.

1. Record the Transfer from Savings to Checking as a Credit to the Expense Category
ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT
Savings 6/1/14 TXFR [To Checking] [Transfer] 200.00
Checking 6/1/14 TXFR [From Savings] Insurance 200.00

2. Record the Payment from Checking:

ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT
Checking 6/1/14 1023 ABC Insurance Insurance 198.00

In the above example, the actual payment of 198.00 was lower than the previously budgeted
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.

Budgeting for Known Future Expenses - Without Transfers Between Accounts

To allocate money to a savings or expense fund without transferring the money to a different
account, you will need to add a pair of offset transactions for each allocation. The first entry
includes the budget category and the second entry does not. The payment and deposit amounts
offset each other, so the account balance does not change. When you make the real payment,
you leave the Category blank. The following shows what this might look like for a quarterly
health insurance payment, with monthly budget allocations.
ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT
Checking 1/1/10 [Allocation] Health Insurance 200.00
Checking 1/1/10 [Allocation] 200.00
Checking 2/1/10 [Allocation] Health Insurance 200.00
Checking 2/1/10 [Allocation] 200.00
Checking 3/1/10 [Allocation] Health Insurance 200.00
Checking 3/1/10 [Allocation] 200.00
Checking 3/15/10 ABC Insurance 600.00

Tracking the Balance of Savings and Expense Funds

If you choose to keep allocated funds within your spending account, you may want to keep
track of how much in your spending account is free to be used for other purposes and how
much has been allocated to future expenses. There are a couple methods for doing that:

Method 1: Define a Virtual Sub-Account in the Accounts worksheet

Using this method, you record entries in the Transactions worksheet just as you would if you
were transferring real money between accounts. Your bank statement will not show these
transactions because you are only listing them in your own spreadsheet. When you reconcile
with your bank statements, remember to add the balances for the sub-accounts to the balance
of the main account.

Method 2: Use a Separate Worksheet to Track Savings and Expense Funds

You can use the Goals worksheet to track any fund balance that you want to. You will need to
update the Goals worksheet in addition to recording the allocations in the Transactions
worksheet. The Goals worksheet is only for tracking the balance and is not linked to your
other budget worksheets.
 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 do any type of customization, you should check that formulas in the spreadsheet are
still referring to the correct cells.

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.

Using the Report Worksheet

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).
Using the YearlyReport Worksheet
The YearlyReport worksheet is very similar to the Budget worksheet except that it calculates
amounts from the Transactions worksheet to show you an Income and Expense report.

If you customize budget categories, you will need to make sure to edit the YearlyReport
worksheet so that all budget categories match.

Using the Goals Worksheet

If you want to track separate short-term and long-term savings goals, you can use the Goals
worksheet. It isn't connected to any of the other worksheets in this workbook.

Worksheet Protection
Some worksheets are protected to prevent accidental editing of cells and rows that are not
meant to be edited. If you want to attempt to customize the spreadsheet, you can turn off
worksheet protection via Review > Unprotect Sheet.
 © 2010-2021 Vertex42 LLC

MORE HELP >

Excel Tips >

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 YEARLY BUDGET
HELP © 2010-2019 Vertex42 LLC

Starting Balance 0 [42] Total Average

Total Income 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0
NET (Income - Expenses) 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Projected End Balance 0 0 0 0 0 0 0 0 0 0 0 0

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Average

INCOME CATEGORIES
Dividends 0 0
Financial Aid 0 0
Gifts Received 0 0
Interest Income 0 0
Other Income 0 0
Refunds/Reimbursements 0 0
Rental Income 0 0
Wages & Tips 0 0
0 0
0 0
Total Income 0 0 0 0 0 0 0 0 0 0 0 0 0 0

EXPENSE CATEGORIES
Alimony 0 0
Car Insurance 0 0
Car Payment 0 0
Car Repair / Licenses 0 0
Car Replacement Fund 0 0
Charity 0 0
Child Care 0 0
Cleaning 0 0
Clothing 0 0
Debt 0 0
Dining 0 0
Discretionary 0 0
Doctor / Dentist 0 0
Education 0 0
Emergency Fund 0 0
 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Average
Fuel 0 0
Fun / Entertainment 0 0
Furniture / Appliances 0 0
Gifts Given 0 0
Groceries 0 0
Health Insurance 0 0
Home Insurance 0 0
Home Supplies 0 0
Interest Expense 0 0
Life Insurance 0 0
Medicine 0 0
Miscellaneous 0 0
Mortgage / Rent 0 0
Other Savings 0 0
Other_1 0 0
Other_2 0 0
Other_3 0 0
Other_4 0 0
Other_5 0 0
Personal Supplies 0 0
Retirement Fund 0 0
Subscriptions/Dues 0 0
Taxes 0 0
Util. Electricity 0 0
Util. Gas 0 0
Util. Phone(s) 0 0
Util. TV / Internet 0 0
Util. Water 0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
Total Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0
 ACCOUNT LIST
HELP © 2010-2019 Vertex42 LLC

You can track any number of real or virtual accounts. These accounts will show up in the
Accounts column in the Transactions worksheet.

ACCOUNTS Goal % Cleared Balance

Checking 2,000.00 95.8% 1,759.80 1,916.51
Savings 5,000.00 50.9% 2,345.00 2,545.00
CrCard1 n/a -256.00 -443.34
CrCard2 n/a 0.00 0.00
n/a 0.00 0.00
n/a 0.00 0.00
n/a 0.00 0.00
n/a 0.00 0.00
n/a 0.00 0.00
n/a 0.00 0.00
n/a 0.00 0.00
Insert more rows above this one and then copy formulas down.
Total: 4,018.17
See the Help worksheet for instructions.

TIP: If you start each account name with a different letter, Excel's autocomplete
feature will make entering the account much faster for you in the Transactions worksheet.

◄ To add accounts, insert new rows above this one and copy formulas down.
TRANSACTIONS
HELP © 2010-2019 Vertex42 LLC

Account Cleared
Account Date Num Payee Memo Tag Category Clr PAYMENT DEPOSIT
Balance Balance
BALANCE
Checking 1/01/19 [Beginning Balance] [Beginning Balance] R 875.00 875.00 875.00 875.00
Savings 1/01/19 [Beginning Balance] [Beginning Balance] R 2,345.00 2,345.00 2,345.00 3,220.00
CrCard1 1/01/19 [Beginning Balance] [Beginning Balance] R 256.00 (256.00) (256.00) 2,964.00
Checking 1/01/19 DEP Direct Deposit from Employer Wages & Tips x 1,000.00 1,875.00 1,875.00 3,964.00
Checking 1/10/19 2032 Car Payment Car Payment c 115.20 1,759.80 1,759.80 3,848.80
CrCard1 1/15/19 Joe's Food Mart Groceries 87.34 (343.34) (256.00) 3,761.46
CrCard1 1/18/19 Fuel Util. Gas 100.00 (443.34) (256.00) 3,661.46
Checking 2/05/19 DEP Direct Deposit from Employer Wages & Tips 1,000.00 2,759.80 1,759.80 4,661.46
Checking 2/10/19 2033 Target Split Clothing 23.10 2,736.70 1,759.80 4,638.36
Checking 2/10/19 2033 Target Split Groceries 45.15 2,691.55 1,759.80 4,593.21
Checking 2/10/19 2033 Target Split Personal Supplies 25.04 2,666.51 1,759.80 4,568.17
Savings 2/15/19 TXFR [From Checking] [Transfer] 200.00 2,545.00 2,345.00 4,768.17
Checking 2/15/19 TXFR [To Savings] Split Emergency Fund 100.00 2,566.51 1,759.80 4,668.17
Checking 2/15/19 TXFR [To Savings] Split Retirement Fund 50.00 2,516.51 1,759.80 4,618.17
Checking 1/01/19 [Allocation] Health Insurance 200.00 2,316.51 1,759.80 4,418.17
Checking 1/01/19 [Allocation] 200.00 2,516.51 1,759.80 4,618.17
Checking 2/01/19 [Allocation] Health Insurance 200.00 2,316.51 1,759.80 4,418.17
Checking 2/01/19 [Allocation] 200.00 2,516.51 1,759.80 4,618.17
Checking 3/01/19 [Allocation] Health Insurance 200.00 2,316.51 1,759.80 4,418.17
Checking 3/01/19 [Allocation] 200.00 2,516.51 1,759.80 4,618.17
Checking 3/15/19 ABC Insurance 600.00 1,916.51 1,759.80 4,018.17
- - 4,018.17
- - 4,018.17
- - 4,018.17
- - 4,018.17
- - 4,018.17
- - 4,018.17
- - 4,018.17
- - 4,018.17
- - 4,018.17
- - 4,018.17
- - 4,018.17
- - 4,018.17
- - 4,018.17
- - 4,018.17
- - 4,018.17
- - 4,018.17
 Account Cleared
Account Date Num Payee Memo Tag Category Clr PAYMENT DEPOSIT
Balance Balance
BALANCE
- - 4,018.17
- - 4,018.17
- - 4,018.17
- - 4,018.17
- - 4,018.17
Insert more rows above this one and then copy formulas down.
MONTHLY BUDGET REPORT
HELP © 2010-2019 Vertex42 LLC

Year Begins: 1/1/2019 Begin: 1/1/19

Month: 1 End: 1/31/19
Year-To-Date: No

BUDGET SUMMARY
Budget Actual Difference
Total Income 0.00 1,000.00 1,000.00
Total Expenses 0.00 502.54 (502.54)
NET 0.00 497.46 497.46

Actual Budget
0 200 400 600 800

Total In...

Total Expe...

NET

INCOME Budget Actual Difference

Dividends - - - - -
Financial Aid - - - - -
Gifts Received - - - - -
Interest Income - - - - -
Other Income - - - - -
Refunds/Reimbursements - - - - -
Rental Income - - - - -
Wages & Tips - - 1,000.00 100.0% 1,000.00
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
Total INCOME - 1,000.00 1,000.00

EXPENSES Budget Actual Difference

Alimony - - - - -
Car Insurance - - - - -
Car Payment - - 115.20 22.9% (115.20)
Car Repair / Licenses - - - - -
Car Replacement Fund - - - - -
Charity - - - - -
Child Care - - - - -
Cleaning - - - - -
Clothing - - - - -
Debt - - - - -
Dining - - - - -
Discretionary - - - - -
Doctor / Dentist - - - - -
Education - - - - -
Emergency Fund - - - - -
Fuel - - - - -
Fun / Entertainment - - - - -
Furniture / Appliances - - - - -
Gifts Given - - - - -
Groceries - - 87.34 17.4% (87.34)
Health Insurance - - 200.00 39.8% (200.00)
Home Insurance - - - - -
Home Supplies - - - - -
Interest Expense - - - - -
Life Insurance - - - - -
Medicine - - - - -
Miscellaneous - - - - -
Mortgage / Rent - - - - -
Other Savings - - - - -
Other_1 - - - - -
Other_2 - - - - -
Other_3 - - - - -
Other_4 - - - - -
Other_5 - - - - -
Personal Supplies - - - - -
Retirement Fund - - - - -
Subscriptions/Dues - - - - -
Taxes - - - - -
Util. Electricity - - - - -
Util. Gas - - 100.00 19.9% (100.00)
Util. Phone(s) - - - - -
Util. TV / Internet - - - - -
Util. Water - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
Total Expenses - 502.54 (502.54)
YEARLY INCOME & EXPENSE REPORT
HELP Start Year 2019 Start Month 1 © 2010-2019 Vertex42 LLC

Starting Balance 0 [42] Total Average

Total Income 1,000 1,000 0 0 0 0 0 0 0 0 0 0 2,000 167
Total Expenses 503 443 200 0 0 0 0 0 0 0 0 0 1,146 95
NET (Income - Expenses) 497 557 -200 0 0 0 0 0 0 0 0 0 854 71
End Balance 497 1,054 854 854 854 854 854 854 854 854 854 854

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Date Begin 1-Jan 1-Feb 1-Mar 1-Apr 1-May 1-Jun 1-Jul 1-Aug 1-Sep 1-Oct 1-Nov 1-Dec
Date End 31-Jan 28-Feb 31-Mar 30-Apr 31-May 30-Jun 31-Jul 31-Aug 30-Sep 31-Oct 30-Nov 31-Dec

INCOME Total Average

Dividends - - - - - - - - - - - - - -
Financial Aid - - - - - - - - - - - - - -
Gifts Received - - - - - - - - - - - - - -
Interest Income - - - - - - - - - - - - - -
Other Income - - - - - - - - - - - - - -
Refunds/Reimbursements - - - - - - - - - - - - - -
Rental Income - - - - - - - - - - - - - -
Wages & Tips 1,000 1,000 - - - - - - - - - - 2,000 167
- - - - - - - - - - - - - - -
- - - - - - - - - - - - - - -
- - - - - - - - - - - - - - -
- - - - - - - - - - - - - - -
- - - - - - - - - - - - - - -
- - - - - - - - - - - - - - -
- - - - - - - - - - - - - - -
Total Income 1,000 1,000 0 0 0 0 0 0 0 0 0 0 2,000 167

EXPENSES Total Average

Alimony - - - - - - - - - - - - - -
Car Insurance - - - - - - - - - - - - - -
Car Payment 115 - - - - - - - - - - - 115 10
Car Repair / Licenses - - - - - - - - - - - - - -
Car Replacement Fund - - - - - - - - - - - - - -
Charity - - - - - - - - - - - - - -
Child Care - - - - - - - - - - - - - -
 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Cleaning - - - - - - - - - - - - - -
Clothing - 23 - - - - - - - - - - 23 2
Debt - - - - - - - - - - - - - -
Dining - - - - - - - - - - - - - -
Discretionary - - - - - - - - - - - - - -
Doctor / Dentist - - - - - - - - - - - - - -
Education - - - - - - - - - - - - - -
Emergency Fund - 100 - - - - - - - - - - 100 8
Fuel - - - - - - - - - - - - - -
Fun / Entertainment - - - - - - - - - - - - - -
Furniture / Appliances - - - - - - - - - - - - - -
Gifts Given - - - - - - - - - - - - - -
Groceries 87 45 - - - - - - - - - - 132 11
Health Insurance 200 200 200 - - - - - - - - - 600 50
Home Insurance - - - - - - - - - - - - - -
Home Supplies - - - - - - - - - - - - - -
Interest Expense - - - - - - - - - - - - - -
Life Insurance - - - - - - - - - - - - - -
Medicine - - - - - - - - - - - - - -
Miscellaneous - - - - - - - - - - - - - -
Mortgage / Rent - - - - - - - - - - - - - -
Other Savings - - - - - - - - - - - - - -
Other_1 - - - - - - - - - - - - - -
Other_2 - - - - - - - - - - - - - -
Other_3 - - - - - - - - - - - - - -
Other_4 - - - - - - - - - - - - - -
Other_5 - - - - - - - - - - - - - -
Personal Supplies - 25 - - - - - - - - - - 25 2
Retirement Fund - 50 - - - - - - - - - - 50 4
Subscriptions/Dues - - - - - - - - - - - - - -
Taxes - - - - - - - - - - - - - -
Util. Electricity - - - - - - - - - - - - - -
Util. Gas 100 - - - - - - - - - - - 100 8
Util. Phone(s) - - - - - - - - - - - - - -
Util. TV / Internet - - - - - - - - - - - - - -
Util. Water - - - - - - - - - - - - - -
- - - - - - - - - - - - - - -
- - - - - - - - - - - - - - -
- - - - - - - - - - - - - - -
- - - - - - - - - - - - - - -
- - - - - - - - - - - - - - -
- - - - - - - - - - - - - - -
 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
- - - - - - - - - - - - - - -
Total Expenses 503 443 200 0 0 0 0 0 0 0 0 0 1,146 95
WEEKLY BUDGET REPORT
HELP © 2010-2019 Vertex42 LLC

Week Begins 1/7/2019 Begin: 1/7/19

Weekly or BiWeekly Weekly End: 1/13/19

BUDGET SUMMARY
Budget Actual Difference
Total Income 500.00 0.00 (500.00)
Total Expenses 250.00 115.20 134.80
NET 250.00 (115.20) (365.20)

Actual Budget
0 100 200 300 400 500 600

Total In...

Total Expe...

NET

INCOME Budget Actual Difference

Dividends - - - -
Financial Aid - - - -
Gifts Received - - - -
Interest Income - - - -
Other Income - - - -
Refunds/Reimbursements - - - -
Rental Income - - - -
Wages & Tips 500.00 100.0% - - (500.00)
- - - - -
Total INCOME 500.00 - (500.00)

EXPENSES Budget Actual Difference

Alimony - - - -
Car Insurance - - - -
Car Payment - 115.20 100.0% (115.20)
Car Repair / Licenses - - - -
Car Replacement Fund - - - -
Charity - - - -
Child Care - - - -
Cleaning - - - -
Clothing - - - -
Debt - - - -
Dining - - - -
Discretionary - - - -
Doctor / Dentist - - - -
Education - - - -
Emergency Fund - - - -
Fuel 100.00 40.0% - - 100.00
Fun / Entertainment - - - -
Furniture / Appliances - - - -
Gifts Given - - - -
Groceries 150.00 60.0% - - 150.00
Health Insurance - - - -
Home Insurance - - - -
Home Supplies - - - -
Interest Expense - - - -
Life Insurance - - - -
Medicine - - - -
Miscellaneous - - - -
Mortgage / Rent - - - -
Other Savings - - - -
Other_1 - - - -
Other_2 - - - -
Other_3 - - - -
Other_4 - - - -
Other_5 - - - -
Personal Supplies - - - -
Retirement Fund - - - -
Subscriptions/Dues - - - -
Taxes - - - -
Util. Electricity - - - -
Util. Gas - - - -
Util. Phone(s) - - - -
Util. TV / Internet - - - -
Util. Water - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
Total Expenses 250.00 115.20 134.80
 SAVINGS GOALS
HELP © 2010-2019 Vertex42 LLC

Balance Goal
Fund Location Goal % Balance
0 1 2 3 4 5 6 7 8 9
Car Fund Savings 8,000.00 15.6% 1,250.00
Car ... Vacation Checking 1,500.00 33.3% 500.00
College Savings 0.0% 0.00
Vaca... Tax Fund Checking 0.0% 0.00
Col Fun Fund Checking 0.0% 0.00
0.0% 0.00
Tax ... 0.0% 0.00
0.0% 0.00
Fun ...
0.0% 0.00
0.0% 0.00
Insert more rows above this one and then copy formulas down.
Total Balance: 1,750.00

Total
Fund Date Num Description Memo Payment Deposit Fund Balance
BALANCE
Car Fund 1/01/18 [ Balance as of 1/1/18 ] 1,250.00 1,250.00 1,250.00
Vacation 1/01/18 [ Balance as of 1/1/18 ] 500.00 500.00 1,750.00
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Account Register Template by Vertex42.com © 2016 Vertex42 LLC

Money Management Template

By Vertex42.com
https://www.vertex42.com/ExcelTemplates/money-management-template.html

© 2010-2019 Vertex42 LLC

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