SlideShare ist ein Scribd-Unternehmen logo
1 von 171
Downloaden Sie, um offline zu lesen
Terms of Use
                       CashDoctors.com.au



Please read and agree to the terms of use below before using this budg

This budgeting tool has been provided to the user with the following conditions:

This budgeting tool has not been formally audited or reviewed and Cash Doctors accepts no respons
accurateness or completeness of this tool either inherent or explicit.
If you choose to use this budgeting tool, you do so at your own risk and are responsible for your own
As this budgeting tool has been downloaded to various electronic locations, Cash Doctors does not g
computer viruses and electronic errors which may affect the integrity of the file and the system which
This budgeting tool has been designed so that you can input your personal data to apply certain budg
situation. Cash Doctors is not responsible for inaccuracies, failure of the tool or calculation errors due
Cash Doctors is not responsible for inaccuracies, failure of the tool or calculation errors due to inadeq
of this budgeting tool.

By opening this file you are by default, unconditionally accepting all of the above terms of use




 I have reviewed, understand and consent to the Terms of Use and
use below before using this budgeting tool.

the following conditions:

viewed and Cash Doctors accepts no responsibility for the adequacy,
nt or explicit.
our own risk and are responsible for your own due diligence.
 electronic locations, Cash Doctors does not guarantee that the file is free from
ct the integrity of the file and the system which receives it.
 input your personal data to apply certain budgeting principals to your individual
cies, failure of the tool or calculation errors due to the data you input into the tool.
e of the tool or calculation errors due to inadequacies or errors within the coding



ally accepting all of the above terms of use.




ent to the Terms of Use and            
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Let's Start!
                          Provide some basic information below, learn how to



    Enter your initial details

    1. What year would you like to budget for? (e.g. this year or next?)
    2. Select the month you want to start with (e.g this month or in the future?)
    3. How much have you already saved? ($XX)




Follow these simple steps to plan your budget and track your actual spending

    Step 1: Enter your earnings

    1. Choose between a basic annual budget and an advanced monthly budget
    2. Enter your estimated earnings
    3. Don't forget to list every one of your income sources (e.g. shares, salary, odd jobs)




    Step 2: Enter your expected expenses

    1. Choose between a basic annual budget and an advanced monthly budget
    2. Enter all of your expected expenses (e.g. how much you would allocate for your transport expenses, hom




    Step 3: Track your actual spending as you go

    1. Track your ACTUAL expenses throughout your selected budget period (this is different from your EXPE
    2. Enter all of your expenses as you actually spend, this will save you time entering it all at the end of the m
Step 4: Your Summary Graphs

1. See where your money is going at a glance with easy to read graphs
2. Check the graphs regularly and print them to keep you and your family up to date on where your money




Additional Savings Tools
A. Savings Estimator Tool: Estimate your total savings potential
B. Savings Time Target Tool: See how long it will take to reach your savings goal
C. Monthly Savings Tool: Find out how much you need to save to hit your time and savings goals
w, learn how to use the tool and find out what it will show you




 transport expenses, home loan/rent etc.)




 ifferent from your EXPECTED expense which you entered on tab 3 called "Step 2. Expenses")
g it all at the end of the month
te on where your money is going and where you can improve




d savings goals
Step 1. Earnings
                        Enter your earnings in this worksheet
                           1-1. Select the Basic Budgeting System if you receive frequent and equal amount
                               OR select the Advanced Budgeting System if you expect to earn different am
                           1-2. Complete the table below with your estimated earnings starting in row 16 (do



(Select which budgeting system you want to use)   << Drop down (click the orange)


                                Basic
                                 Frequency          Amount       Monthly Average
 Name this row                                                                      -
 Name this row                                                                      -
 Name this row                                                                      -
 Name this row                                                                      -
 Name this row                                                                      -
 Name this row                                                                      -
 Name this row                                                                      -
 Total                                                                              -


 TOTAL EARNINGS:                                                                    -
orksheet
you receive frequent and equal amounts of money weekly, monthly, quarterly or annually
stem if you expect to earn different amounts each month
timated earnings starting in row 16 (don't forget to list EVERY one of your income sources)




                                Advanced
             Yearly Total           -                -                -                -          -
                            -
                            -
                            -
                            -
                            -
                            -
                            -
                            -              -                -                -                -       -


                            -
-       -       -       -       -       -




    -       -       -       -       -       -
-       Monthly Average   Yearly Total
                     -                   -
                     -                   -
                     -                   -
                     -                   -
                     -                   -
                     -                   -
                     -                   -
    -                -                   -


                     -                   -
Step 2. Expenses
                           Enter your expected spending in this worksheet
                              2-1. Select the Basic Budgeting System if you expect to spend the same amount
                                     OR select the Advanced Budgeting System if you expect to have different mo
                              2-2. Complete the tables below with your expected expenses starting in row 16



(Select which budgeting system you want to use)       << Drop down (click the orange)


                                     Basic
Transport Expenses                    Frequency         Amount       Monthly Average
 Car Loan/Lease                                                                         -
 Car Registration                                                                       -
 Car Maintenance                                                                        -
 Car Insurance                                                                          -
 Public Transportation                                                                  -
 Petrol                                                                                 -
 Others (name this row)                                                                 -
 Others (name this row)                                                                 -
 Total                                                                                  -



Home Expenses                         Frequency         Amount       Monthly Average
 Home Loan                                                                              -
 Rent                                                                                   -
 Maintenance                                                                            -
 Insurance                                                                              -
 Assets (Furniture, Computer, etc)                                                      -
 Groceries                                                                              -
 Laundry                                                                                -
 Food                                                                                   -
 Others (name this row)                                                                 -
 Others (name this row)                                                                 -
 Total                                                                                  -
Utility Bills Expenses   Frequency   Amount   Monthly Average
Phone                                                      -
Mobile Phone                                               -
Gas                                                        -
Electric                                                   -
Internet                                                   -
Water                                                      -
Cleaners                                                   -
Others (name this row)                                     -
Others (name this row)                                     -
Total                                                      -



Health Care Expenses     Frequency   Amount   Monthly Average
Health Insurance                                           -
Life Insurance                                             -
Dental                                                     -
Medical                                                    -
Chemist                                                    -
Optical                                                    -
Others (name this row)                                     -
Others (name this row)                                     -
Total                                                      -



Entertainment Expenses   Frequency   Amount   Monthly Average
Movies                                                     -
Movie/Show Rentals                                         -
Restaurants                                                -
TV Subscriptions                                           -
Shopping                                                   -
Travel/Holidays                                            -
Others (name this row)                                     -
Others (name this row)                                     -
Total                                                      -



Miscellaneous Expenses   Frequency   Amount   Monthly Average
Others (name this row)   -
Others (name this row)   -
Others (name this row)   -
Others (name this row)   -
Others (name this row)   -
Total                    -


TOTAL SPENDING:          -
g in this worksheet
you expect to spend the same amount of money on a frequent and regular basis
stem if you expect to have different monthly spending habits
xpected expenses starting in row 16




                                Advanced
             Yearly Total             -              -             -           -       -
                            -
                            -
                            -
                            -
                            -
                            -
                            -
                            -
                            -              -                   -         -         -       -



             Yearly Total             -              -             -           -       -
                            -
                            -
                            -
                            -
                            -
                            -
                            -
                            -
                            -
                            -
                            -              -                   -         -         -       -
Yearly Total       -       -       -       -       -
               -
               -
               -
               -
               -
               -
               -
               -
               -
               -       -       -       -       -       -



Yearly Total       -       -       -       -       -
               -
               -
               -
               -
               -
               -
               -
               -
               -       -       -       -       -       -



Yearly Total       -       -       -       -       -
               -
               -
               -
               -
               -
               -
               -
               -
               -       -       -       -       -       -



Yearly Total       -       -       -       -       -
-
-
-
-
-
-   -   -   -   -   -


-
-       -       -       -       -       -




    -       -       -       -       -       -



-       -       -       -       -       -




    -       -       -       -       -       -
-       -       -       -       -       -




    -       -       -       -       -       -



-       -       -       -       -       -




    -       -       -       -       -       -



-       -       -       -       -       -




    -       -       -       -       -       -



-       -       -       -       -       -
-   -   -   -   -   -
-       Monthly Average   Yearly Total
                     -                   -
                     -                   -
                     -                   -
                     -                   -
                     -                   -
                     -                   -
                     -                   -
                     -                   -
    -                -                   -



-       Monthly Average   Yearly Total
                     -                   -
                     -                   -
                     -                   -
                     -                   -
                     -                   -
                     -                   -
                     -                   -
                     -                   -
                     -                   -
                     -                   -
    -                -                   -
-       Monthly Average   Yearly Total
                     -                   -
                     -                   -
                     -                   -
                     -                   -
                     -                   -
                     -                   -
                     -                   -
                     -                   -
                     -                   -
    -                -                   -



-       Monthly Average   Yearly Total
                     -                   -
                     -                   -
                     -                   -
                     -                   -
                     -                   -
                     -                   -
                     -                   -
                     -                   -
    -                -                   -



-       Monthly Average   Yearly Total
                     -                   -
                     -                   -
                     -                   -
                     -                   -
                     -                   -
                     -                   -
                     -                   -
                     -                   -
    -                -                   -



-       Monthly Average   Yearly Total
-   -
    -   -
    -   -
    -   -
    -   -
-   -   -


    -   -
Step 3. Track as you go
                         Track your actual spending in this worksheet
                           3-1. Enter your monthly earnings in the top table; the fastest way to do this is by r
                           3-2. Scroll down and enter your ACTUAL spending on each of the items in the tab
                           3-3. Row 25 will then show you how much left over cash you have for each month



Actual Earnings vs. Actual Spend
                                       -                -                 -
Name this row
Name this row
Name this row
Name this row
Name this row
Name this row
Name this row

TOTAL EARNINGS:                               -                -                 -

TOTAL SPENDING:                               -                -                 -

Left over cash:                               -                -                 -
                                           Ok                Ok               Ok


Transport Expenses
Car Loan/Lease
Car Registration
Car Maintenance
Car Insurance
Public Transportation
Petrol
Others (name this row)
Others (name this row)
Total                                         -                -                 -
Home Expenses
Home Loan
Rent
Maintenance
Insurance
Assets (Furniture, Computer, etc)
Groceries
Laundry
Food
Others (name this row)
Others (name this row)
Total                               -   -   -



Utility Bills Expenses
Phone
Mobile Phone
Gas
Electric
Internet
Water
Cleaners
Others (name this row)
Others (name this row)
Total                               -   -   -



Health Care Expenses
Health Insurance
Life Insurance
Dental
Medical
Chemist
Optical
Others (name this row)
Others (name this row)
Total                               -   -   -
Entertainment Expenses
Movies
Movie/Show Rentals
Restaurants
TV Subscriptions
Shopping
Travel/Holidays
Others (name this row)
Others (name this row)
Total                    -   -   -



Miscellaneous Expenses
Others (name this row)
Others (name this row)
Others (name this row)
Others (name this row)
Others (name this row)
Total                    -   -   -
n this worksheet
table; the fastest way to do this is by re-entering the data you entered in tab 1 (Step 1. Earnings)
pending on each of the items in the tables
eft over cash you have for each month




                   -                -                 -                 -                -             -




                          -                  -               -                 -                -           -

                          -                  -               -                 -                -           -

                          -                  -               -                 -                -           -
                       Ok                Ok               Ok                Ok                Ok           Ok




                          -                  -               -                 -                -           -
-   -   -   -   -   -




-   -   -   -   -   -




-   -   -   -   -   -
-   -   -   -   -   -




-   -   -   -   -   -
-        -        -        Monthly Average   Yearly Total
                                        -                   -
                                        -                   -
                                        -                   -
                                        -                   -
                                        -                   -
                                        -                   -
                                        -                   -

     -        -        -                -                   -

     -        -        -                -                   -

     -        -        -                -                   -
    Ok       Ok       Ok              Ok               Ok




                                        -                   -
                                        -                   -
                                        -                   -
                                        -                   -
                                        -                   -
                                        -                   -
                                        -                   -
                                        -                   -
     -        -        -                -                   -
-   -
            -   -
            -   -
            -   -
            -   -
            -   -
            -   -
            -   -
            -   -
            -   -
-   -   -   -   -




            -   -
            -   -
            -   -
            -   -
            -   -
            -   -
            -   -
            -   -
            -   -
-   -   -   -   -




            -   -
            -   -
            -   -
            -   -
            -   -
            -   -
            -   -
            -   -
-   -   -   -   -
-   -
            -   -
            -   -
            -   -
            -   -
            -   -
            -   -
            -   -
-   -   -   -   -




            -   -
            -   -
            -   -
            -   -
            -   -
-   -   -   -   -
Step 4. Summary Graphs
                          See your Budget Summary in graph format
                                 (Select Time Period)       Please complete the initial details required in the LET'S START tab




Actual Monthly Summary
 1

 1

 1

 1

 1

 1

 0

 0

 0

 0

  -
           -          -           -           -         -               -              -                -

                    Actual amount you are earning           Actual amount you are spending

                                                                    -                      -
Actual amount you are earning                                                -                      -
Actual amount you are spending                                               -                      -
Actual money you have left for the month                                     -                      -




Track your savings!
       1

       1
1

       1

       1

       1

       0

       0

       0

       0

        -
                 -          -     -          -        -       -          -

                                                              Monthly Savings

                                                          -              -
Money at the start of the month                               -                 -
Actual Income per month                                       -                 -
Actual Expenditures per month                                 -                 -
How much money do you have at the end of the month?           -                 -




Actual vs. Budget
Summary


 1                                                                  1
 1                                                                  1
 1                                                                  1
 1                                                                  1
 1                                                                  1
 1                                                                  1
 0                                                                  0
 0                                                                  0
 0                                                                  0
 0                                                                  0
                     -                   -
  -                                                                  -
                Budget                 Actual                                       Budget
Budget            Actual
Income                                                                -                   -
Expense                                                               -                   -
Savings                                                               -                   -




Actual vs. Budget
Income


  1
  1
  1
  1
  1
  1
  0
  0
  0
  0
  -
          Name this row   Name this row   Name this row   Name this row   Name this row

                                                           Budget         Actual


                                                           Budget            Actual
Name this row                                                         -                   -
Name this row                                                         -                   -
Name this row                                                         -                   -
Name this row                                                         -                   -
Name this row                                                         -                   -
Name this row                                                         -                   -
Name this row                                                         -                   -
Total                                                                 -                   -
Actual vs. Budget
Expenses


  1
  1
  1
  1
  1
  1
  0
  0
  0
  0
   -
        Transport Expenses   Home Expenses   Utility Bills Expenses Health Care Expenses   Entertainment
                                                                                             Expenses

                                                              Budget         Actual


                                                            Budget               Actual
Transport Expenses                                                      -                  -
Home Expenses                                                           -                  -
Utility Bills Expenses                                                  -                  -
Health Care Expenses                                                    -                  -
Entertainment Expenses                                                  -                  -
Miscellaneous Expenses                                                  -                  -
Total                                                                   -                  -



Expense Details
Transport Expenses                                          Budget               Actual
Car Loan/Lease                                                          -                  -
Car Registration                                                        -                  -
Car Maintenance                                                         -                  -
Car Insurance                                                           -                  -
Public Transportation                                                   -                  -
Petrol                                       -            -
Others (name this row)                       -            -
Others (name this row)                       -            -
Total                                        -            -


Home Expenses                       Budget       Actual
Home Loan                                    -            -
Rent                                         -            -
Maintenance                                  -            -
Insurance                                    -            -
Assets (Furniture, Computer, etc)            -            -
Groceries                                    -            -
Laundry                                      -            -
Food                                         -            -
Others (name this row)                       -            -
Others (name this row)                       -            -
Total                                        -            -


Utility Bills Expenses              Budget       Actual
Phone                                        -            -
Mobile Phone                                 -            -
Gas                                          -            -
Electric                                     -            -
Internet                                     -            -
Water                                        -            -
Cleaners                                     -            -
Others (name this row)                       -            -
Others (name this row)                       -            -
Total                                        -            -


Health Care Expenses                Budget       Actual
Health Insurance                             -            -
Life Insurance                               -            -
Dental                                       -            -
Medical                                      -            -
Chemist                                      -            -
Optical                           -            -
Others (name this row)            -            -
Others (name this row)            -            -
Total                             -            -


Entertainment Expenses   Budget       Actual
Movies                            -            -
Movie/Show Rentals                -            -
Restaurants                       -            -
TV Subscriptions                  -            -
Shopping                          -            -
Travel/Holidays                   -            -
Others (name this row)            -            -
Others (name this row)            -            -
Total                             -            -


Miscellaneous Expenses   Budget       Actual
Others (name this row)            -            -
Others (name this row)            -            -
Others (name this row)            -            -
Others (name this row)            -            -
Others (name this row)            -            -
Total                             -            -
graph format
etails required in the LET'S START tab                  << Drop down (year-to-date as of what month?)




              -              -           -         -                -

                     Actual money you have left for the month

                         -                   -                  -                    -                  -       -
                                   -               -                    -                     -             -       -
                                   -               -                    -                     -             -       -

                                   -               -                    -                     -             -       -
-           -       -                -       -



          -               -                -               -                -       -
                  -                -               -           -                -            -
                  -                -               -           -                -            -
                  -                -               -           -                -            -

                  -                -               -           -                -            -




                                                       1
                                                       1
                                                       1
                                                       1
                                                       1
                                                       1
                                                       0
                                                       0
                                                       0
                                                       0
      -                       -                                      -                  -
                                                       -
Budget                    Actual                                   Budget           Actual
Under/Over               Note
                -          -
                -          -

                -          -




                                    Actual Income Breakdown




                                         0%


Name this row       Name this row




Under/Over               Note
                -          -
                -          -
                -          -
                -          -
                -          -
                -          -
                -          -

                -          -
Actual Expense Breakdown




                                            0%

Entertainment         Miscellaneous
  Expenses             Expenses




     Under/Over             Note
                  -           -
                  -           -
                  -           -
                  -           -
                  -           -
                  -           -

                  -           -




     Under/Over             Note

                  -           -
                  -           -
                  -           -
                  -           -
                  -           -
-    -
             -    -
             -    -

             -    -


Under/Over       Note

             -    -
             -    -
             -    -
             -    -
             -    -
             -    -
             -    -
             -    -
             -    -
             -    -

             -    -


Under/Over       Note

             -    -
             -    -
             -    -
             -    -
             -    -
             -    -
             -    -
             -    -
             -    -

             -    -


Under/Over       Note

             -    -
             -    -
             -    -
             -    -
             -    -
-    -
             -    -
             -    -

             -    -


Under/Over       Note

             -    -
             -    -
             -    -
             -    -
             -    -
             -    -
             -    -
             -    -

             -    -


Under/Over       Note

             -    -
             -    -
             -    -
             -    -
             -    -

             -    -
-       -       -       -       Monthly Average   Yearly Total
    -       -       -       -                -                   -
    -       -       -       -                -                   -

    -       -       -       -                -                   -
-       -       -       -
    -       -       -       -
    -       -       -       -
    -       -       -       -

    -       -       -       -
n



    Name this row
    Name this row
    Name this row
    Name this row
    Name this row
    Name this row
    Name this row
n




    Transport Expenses
    Home Expenses
    Utility Bills Expenses
    Health Care Expenses
    Entertainment Expenses
    Miscellaneous Expenses
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Cash Doctors Budget Planner
Savings Estimator Tool
                           See how much you can save in 5 years
                              1. Enter the initial information required below (e.g. How much are your estimated
                              2. Find out your savings potential over the next 5 years (row 37)
                              3. You can enter one-off additional savings amounts in column G from row 46 dow




Initial Information
 1. How much have you already saved? ($$)
 2. How much are your monthly savings?*
 3. What is your current bank account interest rate per year?                             << Enter your savings account annu
 4. Please enter your starting year*                                                      << Enter your starting year in full, e.
 5. Please enter your starting month*                                                     << Drop down

       * required fields



                                                  Savings Chart
   1
   1
   1
   1
   1
   1
   0
   0
   0
   0
   0
                    -                   -                       -                     -

                                        Savings Account estimated closing balance per year

                               Year 1              Year 2              Year 3                Year 4
  Amount saved per
                                            -                   -                 -                      -
 year
 (cumulative)
Track your Monthly Savings
                         Enter your one-off additional savings in the white column below
                                                   (column G)


     Month   Opening Balance   Monthly Savings Additional Savings   Interest Earned

       -                   -                 -                                    -
       -                   -                 -                                    -
       -                   -                 -                                    -
       -                   -                 -                                    -
       -                   -                 -                                    -
       -                   -                 -                                    -
       -                   -                 -                                    -
       -                   -                 -                                    -
       -                   -                 -                                    -
       -                   -                 -                                    -
       -                   -                 -                                    -
       -                   -                 -                                    -
       -                   -                 -                                    -
       -                   -                 -                                    -
       -                   -                 -                                    -
       -                   -                 -                                    -
       -                   -                 -                                    -
       -                   -                 -                                    -
       -                   -                 -                                    -
       -                   -                 -                                    -
       -                   -                 -                                    -
       -                   -                 -                                    -
       -                   -                 -                                    -
       -                   -                 -                                    -
       -                   -                 -                                    -
       -                   -                 -                                    -
       -                   -                 -                                    -
       -                   -                 -                                    -
       -                   -                 -                                    -
       -                   -                 -                                    -
       -                   -                 -                                    -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
ow much are your estimated monthly savings?)
ars (row 37)
 in column G from row 46 down




Enter your savings account annual interest rate
Enter your starting year in full, e.g. 2012
Drop down




                   -




                       Year 5

                                -
e column below



            Closing Balance

                          -
                          -
                          -
                          -
                          -
                          -
                          -
                          -
                          -
                          -
                          -
                          -
                          -
                          -
                          -
                          -
                          -
                          -
                          -
                          -
                          -
                          -
                          -
                          -
                          -
                          -
                          -
                          -
                          -
                          -
                          -
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
Savings Time Target Tool
                          See how long it will take to achieve your savings targ
                              1. Enter the initial information required below (e.g. How much is your savings targ
                              2. Find out when you will reach your savings target (rows 17 and 19)
                              3. You can enter one-off additional savings amounts in column G from row 49 dow




Initial Information
 1. How much have you already saved? ($$)
 2. How much savings do you want to achieve?*
 3. How much are your monthly savings?*
 4. What is your current bank account interest rate per year?                          << Enter your savings account an
 5. Please enter your starting year*                                                   << Enter your starting year in full
 6. Please enter your starting month*                                                  << Drop down

     * required fields

              You will achieve your target in…                                     -

                                 or by…                               -

          1
          1
          1
          1
          1
          1
          0
          0
          0
         0
      Target Achieved
         0




                            Savings Account Closing Balance       Target Savings             Target Achieved
Track your Monthly Savings
                           Enter your one-off additional savings in the white column below
                                                     (column G)


     Month   Opening Balance   Monthly Savings   Additional Savings    Interest Earned

       -                   -                 -                                        -
       -                   -                 -                                        -
       -                   -                 -                                        -
       -                   -                 -                                        -
       -                   -                 -                                        -
       -                   -                 -                                        -
       -                   -                 -                                        -
       -                   -                 -                                        -
       -                   -                 -                                        -
       -                   -                 -                                        -
       -                   -                 -                                        -
       -                   -                 -                                        -
       -                   -                 -                                        -
       -                   -                 -                                        -
       -                   -                 -                                        -
       -                   -                 -                                        -
       -                   -                 -                                        -
       -                   -                 -                                        -
       -                   -                 -                                        -
       -                   -                 -                                        -
       -                   -                 -                                        -
       -                   -                 -                                        -
       -                   -                 -                                        -
       -                   -                 -                                        -
       -                   -                 -                                        -
       -                   -                 -                                        -
       -                   -                 -                                        -
       -                   -                 -                                        -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
-   -   -   -
your savings target
 much is your savings target? How much can you save every month?)
ws 17 and 19)
 column G from row 49 down




Enter your savings account annual interest rate
Enter your starting year in full, e.g. 2012
Drop down



               Please complete the required fields above




                                   > 20 years




   Target Achieved
column below



           Closing Balance

                         -
                         -
                         -
                         -
                         -
                         -
                         -
                         -
                         -
                         -
                         -
                         -
                         -
                         -
                         -
                         -
                         -
                         -
                         -
                         -
                         -
                         -
                         -
                         -
                         -
                         -
                         -
                         -
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
Monthly Savings Tool
                         See how much you need to save per month to reach
                             1. Enter the initial information required below (e.g. How much is your savings targ
                             2. See how much you need to save every month to achieve your savings target (r




Initial Information
 1. How much money do you want to save?*
 2. When do you need the money?*                                In…                     << Drop down
 3. How much have you already saved? ($$)
 4. What is your current bank account interest rate per year?                           << Enter your savings account ann

     * required fields

                    Please complete the required fields above



          Month           Opening Balance Savings Required       Interest Earned       Closing Balance

        Month 1                           -                 -                      -                 -
         Month 2                          -                 -                      -                 -
         Month 3                          -                 -                      -                 -
         Month 4                          -                 -                      -                 -
         Month 5                          -                 -                      -                 -
         Month 6                          -                 -                      -                 -
         Month 7                          -                 -                      -                 -
         Month 8                          -                 -                      -                 -
         Month 9                          -                 -                      -                 -
        Month 10                          -                 -                      -                 -
        Month 11                          -                 -                      -                 -
        Month 12                          -                 -                      -                 -
        Month 13                          -                 -                      -                 -
        Month 14                          -                 -                      -                 -
        Month 15                          -                 -                      -                 -
Month 16   -   -   -   -
Month 17   -   -   -   -
Month 18   -   -   -   -
Month 19   -   -   -   -
Month 20   -   -   -   -
Month 21   -   -   -   -
Month 22   -   -   -   -
Month 23   -   -   -   -
Month 24   -   -   -   -
Month 25   -   -   -   -
Month 26   -   -   -   -
Month 27   -   -   -   -
Month 28   -   -   -   -
Month 29   -   -   -   -
Month 30   -   -   -   -
Month 31   -   -   -   -
Month 32   -   -   -   -
Month 33   -   -   -   -
Month 34   -   -   -   -
Month 35   -   -   -   -
Month 36   -   -   -   -
Month 37   -   -   -   -
Month 38   -   -   -   -
Month 39   -   -   -   -
Month 40   -   -   -   -
Month 41   -   -   -   -
Month 42   -   -   -   -
Month 43   -   -   -   -
Month 44   -   -   -   -
Month 45   -   -   -   -
Month 46   -   -   -   -
Month 47   -   -   -   -
Month 48   -   -   -   -
Month 49   -   -   -   -
Month 50   -   -   -   -
Month 51   -   -   -   -
Month 52   -   -   -   -
Month 53   -   -   -   -
Month 54   -   -   -   -
Month 55   -   -   -   -
Month 56   -   -   -   -
Month 57   -   -   -   -
Month 58   -   -   -   -
Month 59   -   -   -   -
Month 60   -   -   -   -
er month to reach your savings target
w much is your savings target? When do you need to have saved this amount by?)
chieve your savings target (row 15)




Drop down


Enter your savings account annual interest rate



                                -



                    Gap

              target achieved
                     -
                     -
                     -
                     -
                     -
                     -
                     -
                     -
                     -
                     -
                     -
                     -
                     -
                     -
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-

Weitere ähnliche Inhalte

Kürzlich hochgeladen

Hungarys economy made by Robert Miklos
Hungarys economy   made by Robert MiklosHungarys economy   made by Robert Miklos
Hungarys economy made by Robert Miklosbeduinpower135
 
ACCOUNTING FOR BUSINESS.II BRANCH ACCOUNTS NOTES
ACCOUNTING FOR BUSINESS.II BRANCH ACCOUNTS NOTESACCOUNTING FOR BUSINESS.II BRANCH ACCOUNTS NOTES
ACCOUNTING FOR BUSINESS.II BRANCH ACCOUNTS NOTESKumarJayaraman3
 
ACADEMIC BANK OF CREDIT: A WORLDWIDE VIEWPOINT
ACADEMIC BANK OF CREDIT: A WORLDWIDE VIEWPOINTACADEMIC BANK OF CREDIT: A WORLDWIDE VIEWPOINT
ACADEMIC BANK OF CREDIT: A WORLDWIDE VIEWPOINTindexPub
 
RWA Report 2024: Rise of Real-World Assets in Crypto | CoinGecko
RWA Report 2024: Rise of Real-World Assets in Crypto | CoinGeckoRWA Report 2024: Rise of Real-World Assets in Crypto | CoinGecko
RWA Report 2024: Rise of Real-World Assets in Crypto | CoinGeckoCoinGecko
 
The CBR Covered Bond Investor Roundtable 2024
The CBR Covered Bond Investor Roundtable 2024The CBR Covered Bond Investor Roundtable 2024
The CBR Covered Bond Investor Roundtable 2024Neil Day
 
Contracts with Interdependent Preferences
Contracts with Interdependent PreferencesContracts with Interdependent Preferences
Contracts with Interdependent PreferencesGRAPE
 
Work and Pensions report into UK corporate DB funding
Work and Pensions report into UK corporate DB fundingWork and Pensions report into UK corporate DB funding
Work and Pensions report into UK corporate DB fundingHenry Tapper
 
Monthly Market Risk Update: March 2024 [SlideShare]
Monthly Market Risk Update: March 2024 [SlideShare]Monthly Market Risk Update: March 2024 [SlideShare]
Monthly Market Risk Update: March 2024 [SlideShare]Commonwealth
 
Lundin Gold March 2024 Corporate Presentation - PDAC v1.pdf
Lundin Gold March 2024 Corporate Presentation - PDAC v1.pdfLundin Gold March 2024 Corporate Presentation - PDAC v1.pdf
Lundin Gold March 2024 Corporate Presentation - PDAC v1.pdfAdnet Communications
 
Taipei, A Hidden Jewel in East Asia - PR Strategy for Tourism
Taipei, A Hidden Jewel in East Asia - PR Strategy for TourismTaipei, A Hidden Jewel in East Asia - PR Strategy for Tourism
Taipei, A Hidden Jewel in East Asia - PR Strategy for TourismBrian Lin
 
The Power Laws of Bitcoin: How can an S-curve be a power law?
The Power Laws of Bitcoin: How can an S-curve be a power law?The Power Laws of Bitcoin: How can an S-curve be a power law?
The Power Laws of Bitcoin: How can an S-curve be a power law?Stephen Perrenod
 
2024.03 Strategic Resources Presentation
2024.03 Strategic Resources Presentation2024.03 Strategic Resources Presentation
2024.03 Strategic Resources PresentationAdnet Communications
 
The unequal battle of inflation and the appropriate sustainable solution | Eu...
The unequal battle of inflation and the appropriate sustainable solution | Eu...The unequal battle of inflation and the appropriate sustainable solution | Eu...
The unequal battle of inflation and the appropriate sustainable solution | Eu...Antonis Zairis
 
LIC PRIVATISATION its a bane or boon.pptx
LIC PRIVATISATION its a bane or boon.pptxLIC PRIVATISATION its a bane or boon.pptx
LIC PRIVATISATION its a bane or boon.pptxsonamyadav7097
 
Introduction to Entrepreneurship and Characteristics of an Entrepreneur
Introduction to Entrepreneurship and Characteristics of an EntrepreneurIntroduction to Entrepreneurship and Characteristics of an Entrepreneur
Introduction to Entrepreneurship and Characteristics of an Entrepreneurabcisahunter
 

Kürzlich hochgeladen (20)

Hungarys economy made by Robert Miklos
Hungarys economy   made by Robert MiklosHungarys economy   made by Robert Miklos
Hungarys economy made by Robert Miklos
 
ACCOUNTING FOR BUSINESS.II BRANCH ACCOUNTS NOTES
ACCOUNTING FOR BUSINESS.II BRANCH ACCOUNTS NOTESACCOUNTING FOR BUSINESS.II BRANCH ACCOUNTS NOTES
ACCOUNTING FOR BUSINESS.II BRANCH ACCOUNTS NOTES
 
ACADEMIC BANK OF CREDIT: A WORLDWIDE VIEWPOINT
ACADEMIC BANK OF CREDIT: A WORLDWIDE VIEWPOINTACADEMIC BANK OF CREDIT: A WORLDWIDE VIEWPOINT
ACADEMIC BANK OF CREDIT: A WORLDWIDE VIEWPOINT
 
RWA Report 2024: Rise of Real-World Assets in Crypto | CoinGecko
RWA Report 2024: Rise of Real-World Assets in Crypto | CoinGeckoRWA Report 2024: Rise of Real-World Assets in Crypto | CoinGecko
RWA Report 2024: Rise of Real-World Assets in Crypto | CoinGecko
 
The CBR Covered Bond Investor Roundtable 2024
The CBR Covered Bond Investor Roundtable 2024The CBR Covered Bond Investor Roundtable 2024
The CBR Covered Bond Investor Roundtable 2024
 
Contracts with Interdependent Preferences
Contracts with Interdependent PreferencesContracts with Interdependent Preferences
Contracts with Interdependent Preferences
 
Mobile Money Taxes: Knowledge, Perceptions and Politics: The Case of Ghana
Mobile Money Taxes: Knowledge, Perceptions and Politics: The Case of GhanaMobile Money Taxes: Knowledge, Perceptions and Politics: The Case of Ghana
Mobile Money Taxes: Knowledge, Perceptions and Politics: The Case of Ghana
 
New Monthly Enterprises Survey. Issue 21. (01.2024) Ukrainian Business in War...
New Monthly Enterprises Survey. Issue 21. (01.2024) Ukrainian Business in War...New Monthly Enterprises Survey. Issue 21. (01.2024) Ukrainian Business in War...
New Monthly Enterprises Survey. Issue 21. (01.2024) Ukrainian Business in War...
 
Work and Pensions report into UK corporate DB funding
Work and Pensions report into UK corporate DB fundingWork and Pensions report into UK corporate DB funding
Work and Pensions report into UK corporate DB funding
 
Digital Financial Services Taxation in Africa
Digital Financial Services Taxation in AfricaDigital Financial Services Taxation in Africa
Digital Financial Services Taxation in Africa
 
Monthly Market Risk Update: March 2024 [SlideShare]
Monthly Market Risk Update: March 2024 [SlideShare]Monthly Market Risk Update: March 2024 [SlideShare]
Monthly Market Risk Update: March 2024 [SlideShare]
 
Lundin Gold March 2024 Corporate Presentation - PDAC v1.pdf
Lundin Gold March 2024 Corporate Presentation - PDAC v1.pdfLundin Gold March 2024 Corporate Presentation - PDAC v1.pdf
Lundin Gold March 2024 Corporate Presentation - PDAC v1.pdf
 
Taipei, A Hidden Jewel in East Asia - PR Strategy for Tourism
Taipei, A Hidden Jewel in East Asia - PR Strategy for TourismTaipei, A Hidden Jewel in East Asia - PR Strategy for Tourism
Taipei, A Hidden Jewel in East Asia - PR Strategy for Tourism
 
The Power Laws of Bitcoin: How can an S-curve be a power law?
The Power Laws of Bitcoin: How can an S-curve be a power law?The Power Laws of Bitcoin: How can an S-curve be a power law?
The Power Laws of Bitcoin: How can an S-curve be a power law?
 
2024.03 Strategic Resources Presentation
2024.03 Strategic Resources Presentation2024.03 Strategic Resources Presentation
2024.03 Strategic Resources Presentation
 
The unequal battle of inflation and the appropriate sustainable solution | Eu...
The unequal battle of inflation and the appropriate sustainable solution | Eu...The unequal battle of inflation and the appropriate sustainable solution | Eu...
The unequal battle of inflation and the appropriate sustainable solution | Eu...
 
E-levy and Merchant Payment Exemption in Ghana
E-levy and Merchant Payment Exemption in GhanaE-levy and Merchant Payment Exemption in Ghana
E-levy and Merchant Payment Exemption in Ghana
 
LIC PRIVATISATION its a bane or boon.pptx
LIC PRIVATISATION its a bane or boon.pptxLIC PRIVATISATION its a bane or boon.pptx
LIC PRIVATISATION its a bane or boon.pptx
 
Introduction to Entrepreneurship and Characteristics of an Entrepreneur
Introduction to Entrepreneurship and Characteristics of an EntrepreneurIntroduction to Entrepreneurship and Characteristics of an Entrepreneur
Introduction to Entrepreneurship and Characteristics of an Entrepreneur
 
Monthly Economic Monitoring of Ukraine No.230, March 2024
Monthly Economic Monitoring of Ukraine No.230, March 2024Monthly Economic Monitoring of Ukraine No.230, March 2024
Monthly Economic Monitoring of Ukraine No.230, March 2024
 

Cash Doctors Budget Planner

  • 1. Terms of Use CashDoctors.com.au Please read and agree to the terms of use below before using this budg This budgeting tool has been provided to the user with the following conditions: This budgeting tool has not been formally audited or reviewed and Cash Doctors accepts no respons accurateness or completeness of this tool either inherent or explicit. If you choose to use this budgeting tool, you do so at your own risk and are responsible for your own As this budgeting tool has been downloaded to various electronic locations, Cash Doctors does not g computer viruses and electronic errors which may affect the integrity of the file and the system which This budgeting tool has been designed so that you can input your personal data to apply certain budg situation. Cash Doctors is not responsible for inaccuracies, failure of the tool or calculation errors due Cash Doctors is not responsible for inaccuracies, failure of the tool or calculation errors due to inadeq of this budgeting tool. By opening this file you are by default, unconditionally accepting all of the above terms of use I have reviewed, understand and consent to the Terms of Use and
  • 2. use below before using this budgeting tool. the following conditions: viewed and Cash Doctors accepts no responsibility for the adequacy, nt or explicit. our own risk and are responsible for your own due diligence. electronic locations, Cash Doctors does not guarantee that the file is free from ct the integrity of the file and the system which receives it. input your personal data to apply certain budgeting principals to your individual cies, failure of the tool or calculation errors due to the data you input into the tool. e of the tool or calculation errors due to inadequacies or errors within the coding ally accepting all of the above terms of use. ent to the Terms of Use and 
  • 91. Let's Start! Provide some basic information below, learn how to Enter your initial details 1. What year would you like to budget for? (e.g. this year or next?) 2. Select the month you want to start with (e.g this month or in the future?) 3. How much have you already saved? ($XX) Follow these simple steps to plan your budget and track your actual spending Step 1: Enter your earnings 1. Choose between a basic annual budget and an advanced monthly budget 2. Enter your estimated earnings 3. Don't forget to list every one of your income sources (e.g. shares, salary, odd jobs) Step 2: Enter your expected expenses 1. Choose between a basic annual budget and an advanced monthly budget 2. Enter all of your expected expenses (e.g. how much you would allocate for your transport expenses, hom Step 3: Track your actual spending as you go 1. Track your ACTUAL expenses throughout your selected budget period (this is different from your EXPE 2. Enter all of your expenses as you actually spend, this will save you time entering it all at the end of the m
  • 92. Step 4: Your Summary Graphs 1. See where your money is going at a glance with easy to read graphs 2. Check the graphs regularly and print them to keep you and your family up to date on where your money Additional Savings Tools A. Savings Estimator Tool: Estimate your total savings potential B. Savings Time Target Tool: See how long it will take to reach your savings goal C. Monthly Savings Tool: Find out how much you need to save to hit your time and savings goals
  • 93. w, learn how to use the tool and find out what it will show you transport expenses, home loan/rent etc.) ifferent from your EXPECTED expense which you entered on tab 3 called "Step 2. Expenses") g it all at the end of the month
  • 94. te on where your money is going and where you can improve d savings goals
  • 95. Step 1. Earnings Enter your earnings in this worksheet 1-1. Select the Basic Budgeting System if you receive frequent and equal amount OR select the Advanced Budgeting System if you expect to earn different am 1-2. Complete the table below with your estimated earnings starting in row 16 (do (Select which budgeting system you want to use) << Drop down (click the orange) Basic Frequency Amount Monthly Average Name this row - Name this row - Name this row - Name this row - Name this row - Name this row - Name this row - Total - TOTAL EARNINGS: -
  • 96. orksheet you receive frequent and equal amounts of money weekly, monthly, quarterly or annually stem if you expect to earn different amounts each month timated earnings starting in row 16 (don't forget to list EVERY one of your income sources) Advanced Yearly Total - - - - - - - - - - - - - - - - - - -
  • 97. - - - - - - - - - - - -
  • 98. - Monthly Average Yearly Total - - - - - - - - - - - - - - - - - - -
  • 99. Step 2. Expenses Enter your expected spending in this worksheet 2-1. Select the Basic Budgeting System if you expect to spend the same amount OR select the Advanced Budgeting System if you expect to have different mo 2-2. Complete the tables below with your expected expenses starting in row 16 (Select which budgeting system you want to use) << Drop down (click the orange) Basic Transport Expenses Frequency Amount Monthly Average Car Loan/Lease - Car Registration - Car Maintenance - Car Insurance - Public Transportation - Petrol - Others (name this row) - Others (name this row) - Total - Home Expenses Frequency Amount Monthly Average Home Loan - Rent - Maintenance - Insurance - Assets (Furniture, Computer, etc) - Groceries - Laundry - Food - Others (name this row) - Others (name this row) - Total -
  • 100. Utility Bills Expenses Frequency Amount Monthly Average Phone - Mobile Phone - Gas - Electric - Internet - Water - Cleaners - Others (name this row) - Others (name this row) - Total - Health Care Expenses Frequency Amount Monthly Average Health Insurance - Life Insurance - Dental - Medical - Chemist - Optical - Others (name this row) - Others (name this row) - Total - Entertainment Expenses Frequency Amount Monthly Average Movies - Movie/Show Rentals - Restaurants - TV Subscriptions - Shopping - Travel/Holidays - Others (name this row) - Others (name this row) - Total - Miscellaneous Expenses Frequency Amount Monthly Average
  • 101. Others (name this row) - Others (name this row) - Others (name this row) - Others (name this row) - Others (name this row) - Total - TOTAL SPENDING: -
  • 102. g in this worksheet you expect to spend the same amount of money on a frequent and regular basis stem if you expect to have different monthly spending habits xpected expenses starting in row 16 Advanced Yearly Total - - - - - - - - - - - - - - - - - - - Yearly Total - - - - - - - - - - - - - - - - - - - - -
  • 103. Yearly Total - - - - - - - - - - - - - - - - - - - - Yearly Total - - - - - - - - - - - - - - - - - - - Yearly Total - - - - - - - - - - - - - - - - - - - Yearly Total - - - - -
  • 104. - - - - - - - - - - - -
  • 105. - - - - - - - - - - - - - - - - - - - - - - - -
  • 106. - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
  • 107. - - - - - -
  • 108. - Monthly Average Yearly Total - - - - - - - - - - - - - - - - - - - - Monthly Average Yearly Total - - - - - - - - - - - - - - - - - - - - - - -
  • 109. - Monthly Average Yearly Total - - - - - - - - - - - - - - - - - - - - - - Monthly Average Yearly Total - - - - - - - - - - - - - - - - - - - - Monthly Average Yearly Total - - - - - - - - - - - - - - - - - - - - Monthly Average Yearly Total
  • 110. - - - - - - - - - - - - - - -
  • 111. Step 3. Track as you go Track your actual spending in this worksheet 3-1. Enter your monthly earnings in the top table; the fastest way to do this is by r 3-2. Scroll down and enter your ACTUAL spending on each of the items in the tab 3-3. Row 25 will then show you how much left over cash you have for each month Actual Earnings vs. Actual Spend - - - Name this row Name this row Name this row Name this row Name this row Name this row Name this row TOTAL EARNINGS: - - - TOTAL SPENDING: - - - Left over cash: - - - Ok Ok Ok Transport Expenses Car Loan/Lease Car Registration Car Maintenance Car Insurance Public Transportation Petrol Others (name this row) Others (name this row) Total - - -
  • 112. Home Expenses Home Loan Rent Maintenance Insurance Assets (Furniture, Computer, etc) Groceries Laundry Food Others (name this row) Others (name this row) Total - - - Utility Bills Expenses Phone Mobile Phone Gas Electric Internet Water Cleaners Others (name this row) Others (name this row) Total - - - Health Care Expenses Health Insurance Life Insurance Dental Medical Chemist Optical Others (name this row) Others (name this row) Total - - -
  • 113. Entertainment Expenses Movies Movie/Show Rentals Restaurants TV Subscriptions Shopping Travel/Holidays Others (name this row) Others (name this row) Total - - - Miscellaneous Expenses Others (name this row) Others (name this row) Others (name this row) Others (name this row) Others (name this row) Total - - -
  • 114. n this worksheet table; the fastest way to do this is by re-entering the data you entered in tab 1 (Step 1. Earnings) pending on each of the items in the tables eft over cash you have for each month - - - - - - - - - - - - - - - - - - - - - - - - Ok Ok Ok Ok Ok Ok - - - - - -
  • 115. - - - - - - - - - - - - - - - - - -
  • 116. - - - - - - - - - - - -
  • 117. - - - Monthly Average Yearly Total - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Ok Ok Ok Ok Ok - - - - - - - - - - - - - - - - - - - - -
  • 118. - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
  • 119. - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
  • 120. Step 4. Summary Graphs See your Budget Summary in graph format (Select Time Period) Please complete the initial details required in the LET'S START tab Actual Monthly Summary 1 1 1 1 1 1 0 0 0 0 - - - - - - - - - Actual amount you are earning Actual amount you are spending - - Actual amount you are earning - - Actual amount you are spending - - Actual money you have left for the month - - Track your savings! 1 1
  • 121. 1 1 1 1 0 0 0 0 - - - - - - - - Monthly Savings - - Money at the start of the month - - Actual Income per month - - Actual Expenditures per month - - How much money do you have at the end of the month? - - Actual vs. Budget Summary 1 1 1 1 1 1 1 1 1 1 1 1 0 0 0 0 0 0 0 0 - - - - Budget Actual Budget
  • 122. Budget Actual Income - - Expense - - Savings - - Actual vs. Budget Income 1 1 1 1 1 1 0 0 0 0 - Name this row Name this row Name this row Name this row Name this row Budget Actual Budget Actual Name this row - - Name this row - - Name this row - - Name this row - - Name this row - - Name this row - - Name this row - - Total - -
  • 123. Actual vs. Budget Expenses 1 1 1 1 1 1 0 0 0 0 - Transport Expenses Home Expenses Utility Bills Expenses Health Care Expenses Entertainment Expenses Budget Actual Budget Actual Transport Expenses - - Home Expenses - - Utility Bills Expenses - - Health Care Expenses - - Entertainment Expenses - - Miscellaneous Expenses - - Total - - Expense Details Transport Expenses Budget Actual Car Loan/Lease - - Car Registration - - Car Maintenance - - Car Insurance - - Public Transportation - -
  • 124. Petrol - - Others (name this row) - - Others (name this row) - - Total - - Home Expenses Budget Actual Home Loan - - Rent - - Maintenance - - Insurance - - Assets (Furniture, Computer, etc) - - Groceries - - Laundry - - Food - - Others (name this row) - - Others (name this row) - - Total - - Utility Bills Expenses Budget Actual Phone - - Mobile Phone - - Gas - - Electric - - Internet - - Water - - Cleaners - - Others (name this row) - - Others (name this row) - - Total - - Health Care Expenses Budget Actual Health Insurance - - Life Insurance - - Dental - - Medical - - Chemist - -
  • 125. Optical - - Others (name this row) - - Others (name this row) - - Total - - Entertainment Expenses Budget Actual Movies - - Movie/Show Rentals - - Restaurants - - TV Subscriptions - - Shopping - - Travel/Holidays - - Others (name this row) - - Others (name this row) - - Total - - Miscellaneous Expenses Budget Actual Others (name this row) - - Others (name this row) - - Others (name this row) - - Others (name this row) - - Others (name this row) - - Total - -
  • 126. graph format etails required in the LET'S START tab << Drop down (year-to-date as of what month?) - - - - - Actual money you have left for the month - - - - - - - - - - - - - - - - - - - - - - - -
  • 127. - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 1 1 1 1 1 1 0 0 0 0 - - - - - Budget Actual Budget Actual
  • 128. Under/Over Note - - - - - - Actual Income Breakdown 0% Name this row Name this row Under/Over Note - - - - - - - - - - - - - - - -
  • 129. Actual Expense Breakdown 0% Entertainment Miscellaneous Expenses Expenses Under/Over Note - - - - - - - - - - - - - - Under/Over Note - - - - - - - - - -
  • 130. - - - - - - - - Under/Over Note - - - - - - - - - - - - - - - - - - - - - - Under/Over Note - - - - - - - - - - - - - - - - - - - - Under/Over Note - - - - - - - - - -
  • 131. - - - - - - - - Under/Over Note - - - - - - - - - - - - - - - - - - Under/Over Note - - - - - - - - - - - -
  • 132. - - - - Monthly Average Yearly Total - - - - - - - - - - - - - - - - - -
  • 133. - - - - - - - - - - - - - - - - - - - -
  • 134. n Name this row Name this row Name this row Name this row Name this row Name this row Name this row
  • 135. n Transport Expenses Home Expenses Utility Bills Expenses Health Care Expenses Entertainment Expenses Miscellaneous Expenses
  • 144. Savings Estimator Tool See how much you can save in 5 years 1. Enter the initial information required below (e.g. How much are your estimated 2. Find out your savings potential over the next 5 years (row 37) 3. You can enter one-off additional savings amounts in column G from row 46 dow Initial Information 1. How much have you already saved? ($$) 2. How much are your monthly savings?* 3. What is your current bank account interest rate per year? << Enter your savings account annu 4. Please enter your starting year* << Enter your starting year in full, e. 5. Please enter your starting month* << Drop down * required fields Savings Chart 1 1 1 1 1 1 0 0 0 0 0 - - - - Savings Account estimated closing balance per year Year 1 Year 2 Year 3 Year 4 Amount saved per - - - - year (cumulative)
  • 145. Track your Monthly Savings Enter your one-off additional savings in the white column below (column G) Month Opening Balance Monthly Savings Additional Savings Interest Earned - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
  • 146. - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
  • 147. ow much are your estimated monthly savings?) ars (row 37) in column G from row 46 down Enter your savings account annual interest rate Enter your starting year in full, e.g. 2012 Drop down - Year 5 -
  • 148. e column below Closing Balance - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
  • 150. Savings Time Target Tool See how long it will take to achieve your savings targ 1. Enter the initial information required below (e.g. How much is your savings targ 2. Find out when you will reach your savings target (rows 17 and 19) 3. You can enter one-off additional savings amounts in column G from row 49 dow Initial Information 1. How much have you already saved? ($$) 2. How much savings do you want to achieve?* 3. How much are your monthly savings?* 4. What is your current bank account interest rate per year? << Enter your savings account an 5. Please enter your starting year* << Enter your starting year in full 6. Please enter your starting month* << Drop down * required fields You will achieve your target in… - or by… - 1 1 1 1 1 1 0 0 0 0 Target Achieved 0 Savings Account Closing Balance Target Savings Target Achieved
  • 151. Track your Monthly Savings Enter your one-off additional savings in the white column below (column G) Month Opening Balance Monthly Savings Additional Savings Interest Earned - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
  • 152. - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
  • 153. - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
  • 154. - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
  • 155. - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
  • 156. - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
  • 157. - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
  • 158. your savings target much is your savings target? How much can you save every month?) ws 17 and 19) column G from row 49 down Enter your savings account annual interest rate Enter your starting year in full, e.g. 2012 Drop down Please complete the required fields above > 20 years Target Achieved
  • 159. column below Closing Balance - - - - - - - - - - - - - - - - - - - - - - - - - - - -
  • 166. Monthly Savings Tool See how much you need to save per month to reach 1. Enter the initial information required below (e.g. How much is your savings targ 2. See how much you need to save every month to achieve your savings target (r Initial Information 1. How much money do you want to save?* 2. When do you need the money?* In… << Drop down 3. How much have you already saved? ($$) 4. What is your current bank account interest rate per year? << Enter your savings account ann * required fields Please complete the required fields above Month Opening Balance Savings Required Interest Earned Closing Balance Month 1 - - - - Month 2 - - - - Month 3 - - - - Month 4 - - - - Month 5 - - - - Month 6 - - - - Month 7 - - - - Month 8 - - - - Month 9 - - - - Month 10 - - - - Month 11 - - - - Month 12 - - - - Month 13 - - - - Month 14 - - - - Month 15 - - - -
  • 167. Month 16 - - - - Month 17 - - - - Month 18 - - - - Month 19 - - - - Month 20 - - - - Month 21 - - - - Month 22 - - - - Month 23 - - - - Month 24 - - - - Month 25 - - - - Month 26 - - - - Month 27 - - - - Month 28 - - - - Month 29 - - - - Month 30 - - - - Month 31 - - - - Month 32 - - - - Month 33 - - - - Month 34 - - - - Month 35 - - - - Month 36 - - - - Month 37 - - - - Month 38 - - - - Month 39 - - - - Month 40 - - - - Month 41 - - - - Month 42 - - - - Month 43 - - - - Month 44 - - - - Month 45 - - - - Month 46 - - - - Month 47 - - - - Month 48 - - - - Month 49 - - - - Month 50 - - - - Month 51 - - - -
  • 168. Month 52 - - - - Month 53 - - - - Month 54 - - - - Month 55 - - - - Month 56 - - - - Month 57 - - - - Month 58 - - - - Month 59 - - - - Month 60 - - - -
  • 169. er month to reach your savings target w much is your savings target? When do you need to have saved this amount by?) chieve your savings target (row 15) Drop down Enter your savings account annual interest rate - Gap target achieved - - - - - - - - - - - - - -