The Home Budget Tour

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This quick tour shows you how we set up and use the Sample Home Budget Workbook.I hope you enjoy it and add your own spin as you make your personal budget fit your own needs.

Wirtschaft & Finanzen Technologie Business

Holly Justice
People | Projects
| Software |
Communication
Come along for a
quick tour of the
Sample Home
Budget!

Holly Justice
There are several
spreadsheets in the
budget workbook.
Let’s start with the
“Family Budget
Projection”.

Holly Justice
Holly Justice
Here we
project our
estimated
income and
expenses
for the year.

Holly Justice
We start with sources of
income for year such as
paychecks. Extra income
may recorded from gifts or
tax returns.

Holly Justice
We take a look at our bills
and expenses from last
year. For most expenses
we usually project a slight
increase.

Holly Justice
We plan for special
expenses like a vacation
or a special project to fix
up our house.

Holly Justice
Holly Justice
From our
monthly
estimates,
we can see
the
projection for
each quarter
and the
entire year.

Holly Justice
Now let’s look at the
“Family Budget Actual”
spreadsheet.

Holly Justice
Holly Justice
Here we start
tracking our
actual
expenses and
income
monthly.

Holly Justice
On a monthly basis,
things could be better for
us or worse, due to
changes in income or
expenses.

Holly Justice
So our family takes a
different approach. We
look ahead and say “How
we doing this quarter? ”

Holly Justice
Holly Justice
For example,
in January we
are over budget
due to high
expenses.
However, we will
recover quickly
the next month.
The quarterly
total is more
important than
the monthly
total.

Holly Justice
Now let’s check to see
“How Are We Doing?”

Holly Justice
Here we can check our
projection against the actual
results.

Holly Justice
Holly Justice
On this
budget the
electricity
and natural
gas cost
more than
we projected.
Now we can
improve our
plan for next
year.

Holly Justice
The charts add
visual meaning to
the data. This chart
shows we
projected more
income than we
actually received.

Holly Justice
Now let’s look at the
“Difference in
Expenses Chart”.

Holly Justice
Holly Justice
This chart shows
the difference in
projected verses
actual expenses.
When the
cylinders fall
below the middle
line, your costs
were greater than
what you had
projected.

Holly Justice
Now let’s look at the
“Actual Expenses
Chart”.

Holly Justice
The final chart shows
the allocation of money
spent.

Holly Justice
This chart helps
you see where
you might be
able to reduce
your expenses.

Holly Justice
That’s all the tabs in
the workbook!
I hope you enjoyed this
sample.

Holly Justice
People | Projects
| Software |
Communication
I hope you will put your
own spin on this
example to make a
family budget to fit your
own needs.

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Cash Flow Planning Bonus Project Plan Ahead We are told, in business, that we should be proactive; and broadly what is meant by that is to focus our efforts and attention on the long-term and to think in terms of the long-term consequences of our actions. Proactive people simply will not accept that there is nothing that can be done about the unreasonable boss or the events of daily life - they will point out that there are always choices. It is by the decisions we make, our responses to people, events and circumstances that proactive people can and do affect the future. We may have no control over what life throws at us but we always have a choice about how we are to respond. —Stephen Covey's landmark book The 7 Habits of Highly Effective People The purpose of creating a Cash Flow Plan is to spend your paycheck on paper before you actually spend it during the month Remember:  Money is active and always moving  Wealth is no longer measured in what you make a year  Wealth is measured in what you do with your money during a year  You will either be on your way to being wealthy, broke, or poor Give your money a name  Rent/Mortgage, food, utilities, taxes, insurance, etc.  Money that is simply left unaccounted for will always find a way out of your personal financial plan This Cash Flow Plan should be done every pay period! Recommended Percentages used for Budgeting The following are a compilation of several sources to derive the suggested percentage guidelines. However, these are only recommended percentages and will change dramatically if you have a very high or very low income. For instance, if you have a very low income, your necessities percentages will be high. If you have a high income your necessities will be a lower percentage of income and hopefully savings (not debt) will be higher than recommended. ITEMACTUAL %RECOMMENDED % CHARITABLE GIFTS _________ 10% SAVING _________ 5-10% HOUSING _________ 25 -35% UTILITIES _________ 10-15% FOOD _________ 15% TRANSPORTATION _________ 10% CLOTHING _________ 2-7% MEDICAL/HEALTH _________ 5-10% PERSONAL _________ 5-10% RECREATION _________ 5% DEBTS _________ 5-10% Cash Flow Planning Every dollar of your income should be allocated to some category on this sheet. Money "left over" should be put back into a category even if you make up a new category. You are making the spending decisions ahead of time here. Almost every category (except debt) should have some dollar amount in it. Fill in the amount for each subcategory under "Subtotal" and then the total each main category under "Total." As you go through your first month, fill in the "Actually Spent" column with your real expenses or the saving you did for that area. If there is a substantial difference in the plan versus the reality something has to give. You will either have to adjust the amount allocated to that area up and another down or you will have to better c ...

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Saylor URL: http://www.saylor.org/books Saylor.org 106 Chapter 5 Financial Plans: Budgets Introduction Seeing the value of reaching a goal is often much easier than seeing a way to reach that goal. People often resolve to somehow improve themselves or their lives. But while they are not lacking sincerity, determination, or effort, they nevertheless fall short for want of a plan, a map, a picture of why and how to get from here to there. Pro forma financial statements provide a look at the potential results of financial decisions. They can also be used as a tool to plan for certain results. When projected in the form of a budgetA projection of the financial requirements and consequences of a plan., figures become not only an estimated result but also an actual strategy or plan, a map illustrating a path to achieve a goal. Later, when you compare actual results to the original plan, you can see how shortfalls or successes can point to future strategies. Budgets are usually created with a specific goal in mind: to cut living expenses, to increase savings, or to save for a specific purpose such as education or retirement. While the need to do such things may be brought into sharper focus by the financial statements, the budget provides an actual plan for doing so. It is more a document of action than of reflection. As an action statement, a budget is meant to be dynamic, a reconciliation of “facts on the ground” and “castles in the air.” While financial statements are summaries of historic reality, that is, of all that has already happened and is “sunk,” budgets reflect the current realities that define the next choices. A budget should never be merely followed but should constantly be revised to reflect new information. 5.1 The Budget Process LEARNING OBJECTIVES 1. Trace the budget process. 2. Discuss the relationships of goals and behaviors. 3. Demonstrate the importance of conservatism in the budget process. 4. Show the importance of timing in the budget process. The budget process is an infinite loop similar to the larger financial planning process. It involves • defining goals and gathering data; • forming expectations and reconciling goals and data; • creating the budget; http://creativecommons.org/licenses/by-nc-sa/3.0/ http://www.saylor.org/books Saylor URL: http://www.saylor.org/books Saylor.org 107 • monitoring actual outcomes and analyzing variances; • adjusting budget, expectations, or goals; • redefining goals. Figure 5.2 The Budget Process A review of your financial statements or your current financial condition—as well as your own ideas about how you are and could be living—should indicate immediate and longer-term goals. It may also point out new choices. For example, an immediate goal may be to lower housing expense. In the short-term you could look for an apartment with lower rent, but in the long run, it may be more advantageous to own a home. This long-term.

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Analyze and describe your current budget and budget variance. Budgeted plans offer business visionaries some assistance with setting financial objectives – and audit genuine execution against these objectives. Since a financial plan is an appraisal of future numbers in view of current data, your business' real execution ought to be like the budgeted sums. Real execution, be that as it may, will never be precisely the same as the financial backing. It will approach, miss the mark, or surpass the financial backing. The financial backing ought to be observed frequently consistently: quarterly, month to month, or even week after week. Inspecting the monetary allowance will offer you some assistance with identifying issues before they cost the business an excess of time or cash. How frequently you audit the financial backing relies on upon your trust in the figures and the danger connected with not meeting the monetary allowance. For instance, in the event that you should meet a specific spending plan so as to meet your credit commitments, the danger of missing the mark is high. You should think about modifying the present year's financial plan at different interims consistently. Numerous organizations re-assess their financial plans part of the way through the year. Along these lines they can survey the genuine results so far and modify the monetary allowance to all the more precisely speak to genuine desires. At the point when your business does not meet budgeted figures, begin by exploring the business methodology that shaped the premise for the financial backing. Some part of executing your business technique did not happen not surprisingly. You additionally need to investigate the financial backing figures, giving careful consideration to the real parts of benefit—Sales, Cost of Goods Sold, and Operating Expenses. Perhaps you met your Sales objectives and comprehended the Cost of Goods Sold, however misconstrued Operating Expenses. Assess the progressions you should make to future spending plans to incorporate this new information. While making a business budget plan, there are a great deal of things that you have to mull over. A financial plan is continually changing and being adjusted, in light of the fact that your business is always developing, changing, and making strides. In any case, there are additionally outer impacts that you have to mull over while making or altering your business spending plan. There are bunches of various types of outer impacts. Here is a rundown of a portion of the outer impacts that there are on a business spending plan: Political and lawful outside impacts: There are two or three distinct ways that legislative issues and lawful arrangements can influence your business. Maybe a standout amongst the most widely recognized political and legitimate outside elements is the creation and change of expenses. As a business, you truly have no influence over the amount of cash the administration chooses to duty you f.

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