Page 1

Budget planner
Summary
HOW TO USE Show results
Programs Income
Income $552,000
Total income: $!"###
$ustomising Outgoings
Financial comm. $358,000
Home $2,500
Utilities $32,000
NOTE: lte!ing t"e #$%get &lanne! 'eg. a%%ing !o(s)col$mns* ma+ !es$lt in inco!!ect o$t&$ts E%$cation $15,000
Healt" $0
,"o&&ing $0
%eed&ac' T!ans&o!t $15-,000
.e (elcome all /ee%#ac0. ,en% /ee%#ac0 1ia t"e (e#site /o!m '(((.mone+sma!t.go1.a$)/ee%#ac0* o! $se t"e Ente!tainment $12,000
/ee%#ac0 o&tions on t"e 2$%get Planne! (e#&age Eating o$t $20,800
Total outgoings: $()"*##
T"is o!iginal 1e!sion o/ t"is #$%get &lanne! is &$#lis"e% on (((.mone+sma!t.go1.a$ an% is s$#3ect to co&+!ig"t. What+s le,t: -$.."*##
&e! +ea!
45e!sion: 2.01 6 ,e&t 20137
+o$ can sa1e E8cel /ile to +o$! o(n com&$te!
+o$ nee% 9ic!oso/t O//ice 2003 o! "ig"e! 'E8cel*
+o$ can c"oose "o( o/ten +o$ !ecei1e income o! &a+ e8&enses $sing t"e %!o&%o(n list in t"e /!e:$enc+ col$mn
+o$ can c$stomise t"e la#els in t"e s&!ea%s"eet to #ette! s$it +o$! nee%s #+ !enaming e8isting /iel%s
,o$!ce: (((.mone+sma!t.go1.a$
%inancial
commitments
Home /
utilities
Education /
health
Shopping /
transport
Entertainment /
eating out
Income 0esults
Annually
Page 2
Budget planner
Summary
Income Show results
%re1uency 2mount 2nnually amount
;o$! ta0e6"ome &a+ $<-,000 $552,000 Income
;o$! &a!tne!=s ta0e6"ome &a+ $0 $0 Income $552,000
2on$ses)o1e!time $0 $0 Total income: $!"###
Income /!om sa1ings an% in1estments $0 $0
Outgoings
>ent!elin0 #ene/its $0 $0 Financial comm. $358,000
Famil+ #ene/it &a+ments $0 $0 Home $2,500
Utilities $32,000
>"il% s$&&o!t !ecei1e% $0 $0 E%$cation $15,000
Ot"e! $0 $0 Healt" $0
Total $!"### ,"o&&ing $0
T!ans&o!t $15-,000
Ente!tainment $12,000
Eating o$t $20,800
Total outgoings: $()"*##
What+s le,t: -$.."*##
&e! +ea!
,o$!ce: (((.mone+sma!t.go1.a$
%inancial
commitments
Home / utilities Education / health Shopping / transport
Entertainment / eating
out
Income 0esults
Annually
Monthly
Fortnightly
Annually
Annually
Fortnightly
Fortnightly
Monthly
Monthly
Page 3
Budget planner
Summary
%inancial $ommitments Show results
%re1uency 2mount 2nnually amount
?ent ) 9o!tgage $10,000 $120,000 Income
>a! loan !e&a+ments $0 $0 Income $552,000
Ot"e! loan !e&a+ments $2,500 $30,000 Total income: $!"###
>!e%it ca!% inte!est $0 $0
Outgoings
5ol$nta!+ s$&e! cont!i#$tions $0 $0 Financial comm. $358,000
,a1ings $0 $0 Home $2,500
Utilities $32,000
>"il% s$&&o!t &a+ments $0 $0 E%$cation $15,000
@onations ) >"a!it+ $0 $0 Healt" $0
,"o&&ing $0
Poc0et mone+ $<,000 $208,000 T!ans&o!t $15-,000
T+&e in +o$! o(n e8&ense $0 $0 Ente!tainment $12,000
Total $*3"### Eating o$t $20,800
Total outgoings: $()"*##
What+s le,t: -$.."*##
&e! +ea!
,o$!ce: (((.mone+sma!t.go1.a$
%inancial
commitments
Home / utilities Education / health Shopping / transport
Entertainment / eating
out
Income 0esults
Annually
Monthly
Monthly
Monthly
Monthly
Fortnightly
Fortnightly
Monthly
Monthly
Weekly
Monthly
Page <
Budget planner
Summary
Home Show results
%re1uency 2mount 2nnually amount
>o$ncil !ates $0 $0 Income
2o%+ >o!&o!ate /ees $0 $0 Income $552,000
Home an% contents ins$!ance $0 $0
Home maintenance an% !e&ai!s $500 $500 Total income: $!"###
Ne( /$!nit$!e ) &&liances $2,000 $2,000
Ot"e! $0 $0 Outgoings
Total $!"## Financial comm. $358,000
Utilities Home $2,500
Utilities $32,000
Elect!icit+ $500 $2,000 E%$cation $15,000
Aas $2,000 $8,000 Healt" $0
.ate! $1,000 $<,000 ,"o&&ing $0
Inte!net $1,000 $12,000 T!ans&o!t $15-,000
Pa+ T5 $0 $0 Ente!tainment $12,000
Home &"one $0 $0 Eating o$t $20,800
9o#ile &"one's* $500 $-,000
T+&e in +o$! o(n e8&ense $0 $0 Total outgoings: $()"*##
Total $*!"###
What+s le,t: -$.."*##
&e! +ea!
,o$!ce: (((.mone+sma!t.go1.a$
%inancial
commitments
Home / utilities
Education /
health
Shopping / transport
Entertainment / eating
out
Income 0esults
Annually
Quarterly
Quarterly
Monthly
Annually
Annually
Monthly
Quarterly
Quarterly
Quarterly
Monthly
Monthly
Monthly
Monthly
Monthly
Page 5
Budget planner
Summary
Education Show results
%re1uency 2mount 2nnually amount
,c"ool /ees $10,000 $10,000 Income
Uni ) TFE $0 $0 Income $552,000
>"il%ca!e ) P!e6sc"ool $0 $0
,c"ool $ni/o!ms $0 $0 Total income: $!"###
,&o!t, m$sic, %ance, etc $5,000 $5,000
E8c$!sions $0 $0 Outgoings
Ot"e! $0 $0 Financial comm. $358,000
Total $4"### Home $2,500
Health Utilities $32,000
E%$cation $15,000
P!i1ate "ealt" ins$!ance $0 $0 Healt" $0
Bi/e ins$!ance $0 $0 ,"o&&ing $0
@octo!s $0 $0 T!ans&o!t $15-,000
@entists $0 $0 Ente!tainment $12,000
9e%icines ) P"a!mac+ $0 $0 Eating o$t $20,800
E+eca!e ) Alasses $0 $0
5et $0 $0 Total outgoings: $()"*##
T+&e in +o$! o(n e8&ense $0 $0
Total $#
What+s le,t: -$.."*##
&e! +ea!
,o$!ce: (((.mone+sma!t.go1.a$
%inancial
commitments
Home / utilities
Education /
health
Shopping / transport
Entertainment / eating
out
Income 0esults
Annually
Annually
Annually
Weekly
Annually
Annually
Monthly
Monthly
Monthly
Monthly
Annually
Annually
Annually
Annually
Annually
Monthly
Page -
Budget planner
Summary
Shopping Show results
%re1uency 2mount 2nnually amount
,$&e!ma!0et $0 $0 Income
F!$it ) 5eg $0 $0 Income $552,000
2a#+ &!o%$cts $0 $0
>lot"ing ) ,"oes $0 $0 Total income: $!"###
>osmetics ) Toilet!ies $0 $0
Hai!%!esse! $0 $0 Outgoings
Ai/ts an% ot"e!s $0 $0 Financial comm. $358,000
Ot"e! /oo% an% g!oce!+ $0 $0 Home $2,500
Total $# Utilities $32,000
Transport E%$cation $15,000
Healt" $0
>a! ins$!ance $0 $0 ,"o&&ing $0
>a! maintenance $0 $0 T!ans&o!t $15-,000
>a! !ego ) Bicence $0 $0 Ente!tainment $12,000
Pet!ol $0 $0 Eating o$t $20,800
?oa% tolls ) Pa!0ing $0 $0
T!ains ) 2$ses ) Fe!!ies $3,000 $15-,000 Total outgoings: $()"*##
T+&e in +o$! o(n e8&ense $0 $0
Total $4)"###
What+s le,t: -$.."*##
&e! +ea!
,o$!ce: (((.mone+sma!t.go1.a$
%inancial
commitments
Home / utilities
Education /
health
Shopping / transport
Entertainment / eating
out
Income 0esults
Annually
Weekly
Weekly
Weekly
Monthly
Monthly
Quarterly
Monthly
Weekly
Annually
Annually
Annually
Fortnightly
Monthly
Weekly
Monthly
Page C
Budget planner
Summary
Entertainment Show results
%re1uency 2mount 2nnually amount
Holi%a+s $0 $0 Income
2a!s ) >l$#s $0 $0 Income $552,000
Ot"e! alco"ol $0 $0
A+m ) ,&o!ting mem#e!s"i& $1,000 $12,000 Total income: $!"###
>iga!ettes $0 $0
9o1ies ) 9$sic $0 $0 Outgoings
Ho##ies $0 $0 Financial comm. $358,000
Ne(s&a&e! ) 9agaDines $0 $0 Home $2,500
>ele#!ations $0 $0 Utilities $32,000
Ot"e! $0 $0 E%$cation $15,000
Total $4!"### Healt" $0
Eating out ,"o&&ing $0
T!ans&o!t $15-,000
?esta$!ants $0 $0 Ente!tainment $12,000
Ta0ea(a+ ) ,nac0s $0 $0 Eating o$t $20,800
2o$g"t l$nc"es $0 $0
>o//ee ) Tea $<00 $20,800 Total outgoings: $()"*##
T+&e in +o$! o(n e8&ense $0 $0
Total $!#"3##
What+s le,t: -$.."*##
&e! +ea!
,o$!ce: (((.mone+sma!t.go1.a$
%inancial
commitments
Home / utilities
Education /
health
Shopping / transport
Entertainment / eating
out
Income 0esults
Annually
Annually
Weekly
Weekly
Monthly
Weekly
Fortnightly
Fortnightly
Weekly
Annually
Monthly
Monthly
Weekly
Weekly
Weekly
Monthly
Page 8

Budget planner
Summary
Summary
Show results
5our &udget position: Income
;o$ a!e s&en%ing $<<,300 &e! +ea! mo!e t"an +o$ ea!n. Income $552,000
Time to ta0e actionE
Total income: $!"###
5our spending &rea'down
Outgoings
Financial comm. $358,000
Financial commitments ,&en%ing #!ea0%o(n Home $2,500
Home ) Utilities Financial commitments 358000 Utilities $32,000
E%$cation ) Healt" Home ) Utilities 3<500 E%$cation $15,000
,"o&&ing ) T!ans&o!t E%$cation ) Healt" 15000 Healt" $0
Ente!tainment ) Eating o$t ,"o&&ing ) T!ans&o!t 15-000 ,"o&&ing $0
Ente!tainment ) Eating o$t 32800 T!ans&o!t $15-,000
Ente!tainment $12,000
Eating o$t $20,800
6e7t steps:
1* .o!0 #ac0 t"!o$g" t"e #$%get &lanne! sta!ting (it" =Ente!tainment= to see ("e!e +o$ co$l% c$t %o(n on s&en%ing. Total outgoings: $()"*##
2* I/ +o$ /eel li0e +o$! %e#ts a!e o$t o/ cont!ol, c"ec0 o$t t"e =9anaging m+ mone+= section.
3* P!int +o$! &lan.
Short,all -$.."*##
&e! +ea!
,o$!ce: (((.mone+sma!t.go1.a$
Financial commitments
Home ) Utilities
E%$cation ) Healt"
,"o&&ing ) T!ans&o!t
Ente!tainment ) Eating o$t
%inancial
commitments
Home / utilities
Education /
health
Shopping / transport
Entertainment /
eating out
Income 0esults
Annually
Budget planner
Summary
Summary 2nnually amount
Total income: $552,000
Total o$tgoings: $5F-,300
Short,all: -$.."*##
5our &udget position:
;o$ a!e s&en%ing $<<,300 &e! +ea! mo!e t"an +o$ ea!n.
Time to ta0e actionE
5our spending &rea'down
5our spending &rea'down 2nnually amount
Financial commitments $358,000
,&en%ing #!ea0%o(n
Home ) Utilities $3<,500
Financial commitments $358,000
E%$cation ) Healt" $15,000
Home ) Utilities $3<,500
,"o&&ing ) T!ans&o!t $15-,000
E%$cation ) Healt" $15,000
Ente!tainment ) Eating o$t $32,800
,"o&&ing ) T!ans&o!t $15-,000
Ente!tainment ) Eating o$t $32,800
6e7t steps:
1* .o!0 #ac0 t"!o$g" t"e #$%get &lanne! sta!ting (it" =Ente!tainment= to see ("e!e +o$ co$l% c$t %o(n on s&en%ing.
2* I/ +o$ /eel li0e +o$! %e#ts a!e o$t o/ cont!ol, c"ec0 o$t t"e =9anaging m+ mone+= section.
3* P!int +o$! &lan.
Financial commitments
Home ) Utilities
E%$cation ) Healt"
,"o&&ing ) T!ans&o!t
Ente!tainment ) Eating o$t
Budget planner
5our detailed &udget
Income %re1uency 2mount 2nnually amount 6otes
;o$! ta0e6"ome &a+ 9ont"l+ $<-,000 $552,000
;o$! &a!tne!=s ta0e6"ome &a+ Fo!tnig"tl+
2on$ses)o1e!time nn$all+
Income /!om sa1ings an% in1estments nn$all+
>ent!elin0 #ene/its Fo!tnig"tl+
Famil+ #ene/it &a+ments Fo!tnig"tl+
>"il% s$&&o!t !ecei1e% 9ont"l+
Ot"e! 9ont"l+
%inancial $ommitments %re1uency 2mount 2nnually amount
?ent ) 9o!tgage 9ont"l+ $10,000 $120,000
>a! loan !e&a+ments 9ont"l+
Ot"e! loan !e&a+ments 9ont"l+ $2,500 $30,000
>!e%it ca!% inte!est 9ont"l+
5ol$nta!+ s$&e! cont!i#$tions Fo!tnig"tl+
,a1ings Fo!tnig"tl+
>"il% s$&&o!t &a+ments 9ont"l+
@onations ) >"a!it+ 9ont"l+
Poc0et mone+ .ee0l+ $<,000 $208,000
T+&e in +o$! o(n e8&ense 9ont"l+
Home / Utilities %re1uency 2mount 2nnually amount
>o$ncil !ates G$a!te!l+
2o%+ >o!&o!ate /ees G$a!te!l+
Home an% contents ins$!ance 9ont"l+
Home maintenance an% !e&ai!s nn$all+ $500 $500
Ne( /$!nit$!e ) &&liances nn$all+ $2,000 $2,000
Ot"e! 9ont"l+
Elect!icit+ G$a!te!l+ $500 $2,000
Aas G$a!te!l+ $2,000 $8,000
.ate! G$a!te!l+ $1,000 $<,000
Inte!net 9ont"l+ $1,000 $12,000
Pa+ T5 9ont"l+
Home &"one 9ont"l+
9o#ile &"one's* 9ont"l+ $500 $-,000
T+&e in +o$! o(n e8&ense 9ont"l+
Education / Health %re1uency 2mount 2nnually amount
,c"ool /ees nn$all+ $10,000 $10,000
Uni ) TFE nn$all+
>"il%ca!e ) P!e6sc"ool .ee0l+
,c"ool $ni/o!ms nn$all+
,&o!t, m$sic, %ance, etc nn$all+ $5,000 $5,000
E8c$!sions 9ont"l+
Ot"e! 9ont"l+
P!i1ate "ealt" ins$!ance 9ont"l+
Bi/e ins$!ance 9ont"l+
@octo!s nn$all+
@entists nn$all+
9e%icines ) P"a!mac+ nn$all+
Budget planner
E+eca!e ) Alasses nn$all+
5et nn$all+
T+&e in +o$! o(n e8&ense 9ont"l+
Shopping / Transport %re1uency 2mount 2nnually amount 6otes
,$&e!ma!0et .ee0l+
F!$it ) 5eg .ee0l+
2a#+ &!o%$cts .ee0l+
>lot"ing ) ,"oes 9ont"l+
>osmetics ) Toilet!ies 9ont"l+
Hai!%!esse! G$a!te!l+
Ai/ts an% ot"e!s 9ont"l+
Ot"e! /oo% an% g!oce!+ .ee0l+
>a! ins$!ance nn$all+
>a! maintenance nn$all+
>a! !ego ) Bicence nn$all+
Pet!ol Fo!tnig"tl+
?oa% tolls ) Pa!0ing 9ont"l+
T!ains ) 2$ses ) Fe!!ies .ee0l+ $3,000 $15-,000
T+&e in +o$! o(n e8&ense 9ont"l+
Entertainment / Eating out %re1uency 2mount 2nnually amount
Holi%a+s nn$all+
2a!s ) >l$#s .ee0l+
Ot"e! alco"ol .ee0l+
A+m ) ,&o!ting mem#e!s"i& 9ont"l+ $1,000 $12,000
>iga!ettes .ee0l+
9o1ies ) 9$sic Fo!tnig"tl+
Ho##ies Fo!tnig"tl+
Ne(s&a&e! ) 9agaDines .ee0l+
>ele#!ations nn$all+
Ot"e! 9ont"l+
?esta$!ants 9ont"l+
Ta0ea(a+ ) ,nac0s .ee0l+
2o$g"t l$nc"es .ee0l+
>o//ee ) Tea .ee0l+ $<00 $20,800
T+&e in +o$! o(n e8&ense 9ont"l+
6otes
Budget planner
,o$!ce: (((.mone+sma!t.go1.a$
Financial commitments
Home ) Utilities
E%$cation ) Healt"
,"o&&ing ) T!ans&o!t
Ente!tainment ) Eating o$t