Page 1

Budget planner
Summary
HOW TO USE Show results
Programs Income
Income $5,050
Total income: $!""
#ustomising Outgoings
Financial comm. $1,275
Home $0
Utilities $300
NOTE: lte!ing t"e #$%get &lanne! 'eg. a%%ing !o(s)col$mns* ma+ !es$lt in inco!!ect o$t&$ts E%$cation $0
Healt" $0
,"o&&ing $-50
$eed%ac& T!ans&o!t $5.2
/e (elcome all 0ee%#ac1. ,en% 0ee%#ac1 2ia t"e (e#site 0o!m '(((.mone+sma!t.go2.a$)0ee%#ac1* o! $se t"e Ente!tainment $1--
0ee%#ac1 o&tions on t"e 3$%get Planne! (e#&age Eating o$t $200
Total outgoings: $'!())
T"is o!iginal 2e!sion o0 t"is #$%get &lanne! is &$#lis"e% on (((.mone+sma!t.go2.a$ an% is s$#4ect to co&+!ig"t. What*s le+t: $,!-(
&e! mont"
56e!sion: 2.01 7 ,e&t 20138
+o$ can sa2e E9cel 0ile to +o$! o(n com&$te!
+o$ nee% :ic!oso0t O00ice 2003 o! "ig"e! 'E9cel*
+o$ can c"oose "o( o0ten +o$ !ecei2e income o! &a+ e9&enses $sing t"e %!o&%o(n list in t"e 0!e;$enc+ col$mn
+o$ can c$stomise t"e la#els in t"e s&!ea%s"eet to #ette! s$it +o$! nee%s #+ !enaming e9isting 0iel%s
,o$!ce: (((.mone+sma!t.go2.a$
$inancial
commitments
Home .
utilities
Education .
health
Shopping .
transport
Entertainment .
eating out
Income /esults
Monthly
Page 2
Budget planner
Summary
Income Show results
$re0uency 1mount 2onthly amount
<o$! ta1e7"ome &a+ $5,050 $5,050 Income
<o$! &a!tne!=s ta1e7"ome &a+ $0 $0 Income $5,050
3on$ses)o2e!time $0 $0 Total income: $!""
Income 0!om sa2ings an% in2estments $0 $0
Outgoings
>ent!elin1 #ene0its $0 $0 Financial comm. $1,275
Famil+ #ene0it &a+ments $0 $0 Home $0
Utilities $300
>"il% s$&&o!t !ecei2e% $0 $0 E%$cation $0
Ot"e! $0 $0 Healt" $0
Total $!"" ,"o&&ing $-50
T!ans&o!t $5.2
Ente!tainment $1--
Eating o$t $200
Total outgoings: $'!())
What*s le+t: $,!-(
&e! mont"
,o$!ce: (((.mone+sma!t.go2.a$
$inancial
commitments
Home . utilities Education . health Shopping . transport
Entertainment . eating
out
Income /esults
Monthly
Monthly
Fortnightly
Annually
Annually
Fortnightly
Fortnightly
Monthly
Monthly
Page 3
Budget planner
Summary
$inancial #ommitments Show results
$re0uency 1mount 2onthly amount
?ent ) :o!tgage $0 $0 Income
>a! loan !e&a+ments $0 $0 Income $5,050
Ot"e! loan !e&a+ments $0 $0 Total income: $!""
>!e%it ca!% inte!est $770 $770
Outgoings
6ol$nta!+ s$&e! cont!i#$tions $0 $0 Financial comm. $1,275
,a2ings $0 $0 Home $0
Utilities $300
>"il% s$&&o!t &a+ments $0 $0 E%$cation $0
@onations ) >"a!it+ $505 $505 Healt" $0
,"o&&ing $-50
Poc1et mone+ $0 $0 T!ans&o!t $5.2
T+&e in +o$! o(n e9&ense $0 $0 Ente!tainment $1--
Total $,!34 Eating o$t $200
Total outgoings: $'!())
What*s le+t: $,!-(
&e! mont"
,o$!ce: (((.mone+sma!t.go2.a$
$inancial
commitments
Home . utilities Education . health Shopping . transport
Entertainment . eating
out
Income /esults
Monthly
Monthly
Monthly
Monthly
Monthly
Fortnightly
Monthly
Monthly
Monthly
Weekly
Monthly
Page .
Budget planner
Summary
Home Show results
$re0uency 1mount 2onthly amount
>o$ncil !ates $0 $0 Income
3o%+ >o!&o!ate 0ees $0 $0 Income $5,050
Home an% contents ins$!ance $0 $0
Home maintenance an% !e&ai!s $0 $0 Total income: $!""
Ne( 0$!nit$!e ) &&liances $0 $0
Ot"e! $0 $0 Outgoings
Total $" Financial comm. $1,275
Utilities Home $0
Utilities $300
Elect!icit+ $0 $0 E%$cation $0
Aas $0 $0 Healt" $0
/ate! $0 $0 ,"o&&ing $-50
Inte!net $0 $0 T!ans&o!t $5.2
Pa+ T6 $0 $0 Ente!tainment $1--
Home &"one $0 $0 Eating o$t $200
:o#ile &"one's* $300 $300
T+&e in +o$! o(n e9&ense $0 $0 Total outgoings: $'!())
Total $'""
What*s le+t: $,!-(
&e! mont"
,o$!ce: (((.mone+sma!t.go2.a$
$inancial
commitments
Home . utilities
Education .
health
Shopping . transport
Entertainment . eating
out
Income /esults
Monthly
Quarterly
Quarterly
Monthly
Annually
Annually
Monthly
Quarterly
Quarterly
Quarterly
Monthly
Monthly
Monthly
Monthly
Monthly
Page 5
Budget planner
Summary
Education Show results
$re0uency 1mount 2onthly amount
,c"ool 0ees $0 $0 Income
Uni ) TFE $0 $0 Income $5,050
>"il%ca!e ) P!e7sc"ool $0 $0
,c"ool $ni0o!ms $0 $0 Total income: $!""
,&o!t, m$sic, %ance, etc $0 $0
E9c$!sions $0 $0 Outgoings
Ot"e! $0 $0 Financial comm. $1,275
Total $" Home $0
Health Utilities $300
E%$cation $0
P!i2ate "ealt" ins$!ance $0 $0 Healt" $0
Bi0e ins$!ance $0 $0 ,"o&&ing $-50
@octo!s $0 $0 T!ans&o!t $5.2
@entists $0 $0 Ente!tainment $1--
:e%icines ) P"a!mac+ $0 $0 Eating o$t $200
E+eca!e ) Alasses $0 $0
6et $0 $0 Total outgoings: $'!())
T+&e in +o$! o(n e9&ense $0 $0
Total $"
What*s le+t: $,!-(
&e! mont"
,o$!ce: (((.mone+sma!t.go2.a$
$inancial
commitments
Home . utilities
Education .
health
Shopping . transport
Entertainment . eating
out
Income /esults
Monthly
Annually
Annually
Weekly
Annually
Annually
Monthly
Monthly
Monthly
Monthly
Annually
Annually
Annually
Annually
Annually
Monthly
Page C
Budget planner
Summary
Shopping Show results
$re0uency 1mount 2onthly amount
,$&e!ma!1et $250 $250 Income
F!$it ) 6eg $0 $0 Income $5,050
3a#+ &!o%$cts $0 $0
>lot"ing ) ,"oes $0 $0 Total income: $!""
>osmetics ) Toilet!ies $200 $200
Hai!%!esse! $0 $0 Outgoings
Ai0ts an% ot"e!s $500 $500 Financial comm. $1,275
Ot"e! 0oo% an% g!oce!+ $0 $0 Home $0
Total $5" Utilities $300
Transport E%$cation $0
Healt" $0
>a! ins$!ance $0 $0 ,"o&&ing $-50
>a! maintenance $0 $0 T!ans&o!t $5.2
>a! !ego ) Bicence $0 $0 Ente!tainment $1--
Pet!ol $0 $0 Eating o$t $200
?oa% tolls ) Pa!1ing $0 $0
T!ains ) 3$ses ) Fe!!ies $125 $5.2 Total outgoings: $'!())
T+&e in +o$! o(n e9&ense $0 $0
Total $(3
What*s le+t: $,!-(
&e! mont"
,o$!ce: (((.mone+sma!t.go2.a$
$inancial
commitments
Home . utilities
Education .
health
Shopping . transport
Entertainment . eating
out
Income /esults
Monthly
Monthly
Weekly
Weekly
Monthly
Monthly
Quarterly
Monthly
Weekly
Annually
Annually
Annually
Weekly
Monthly
Weekly
Monthly
Page 7
Budget planner
Summary
Entertainment Show results
$re0uency 1mount 2onthly amount
Holi%a+s $0 $0 Income
3a!s ) >l$#s $0 $0 Income $5,050
Ot"e! alco"ol $0 $0
A+m ) ,&o!ting mem#e!s"i& $1-- $1-- Total income: $!""
>iga!ettes $0 $0
:o2ies ) :$sic $0 $0 Outgoings
Ho##ies $0 $0 Financial comm. $1,275
Ne(s&a&e! ) :agaDines $0 $0 Home $0
>ele#!ations $0 $0 Utilities $300
Ot"e! $0 $0 E%$cation $0
Total $,55 Healt" $0
Eating out ,"o&&ing $-50
T!ans&o!t $5.2
?esta$!ants $200 $200 Ente!tainment $1--
Ta1ea(a+ ) ,nac1s $0 $0 Eating o$t $200
3o$g"t l$nc"es $0 $0
>o00ee ) Tea $0 $0 Total outgoings: $'!())
T+&e in +o$! o(n e9&ense $0 $0
Total $3""
What*s le+t: $,!-(
&e! mont"
,o$!ce: (((.mone+sma!t.go2.a$
$inancial
commitments
Home . utilities
Education .
health
Shopping . transport
Entertainment . eating
out
Income /esults
Monthly
Annually
Weekly
Weekly
Monthly
Weekly
Fortnightly
Fortnightly
Weekly
Annually
Monthly
Monthly
Weekly
Weekly
Weekly
Monthly
Page E

Budget planner
Summary
Summary
Show results
6our %udget position: Income
F6BUEG Income $5,050
>ong!at$lationsG
Total income: $!""
6our spending %rea&down
Outgoings
Financial comm. $1,275
Financial commitments ,&en%ing #!ea1%o(n Home $0
Home ) Utilities Financial commitments 1275 Utilities $300
E%$cation ) Healt" Home ) Utilities 300 E%$cation $0
,"o&&ing ) T!ans&o!t E%$cation ) Healt" 0 Healt" $0
Ente!tainment ) Eating o$t ,"o&&ing ) T!ans&o!t 1.-1.CCCCCCCCC7 ,"o&&ing $-50
Ente!tainment ) Eating o$t 3-- T!ans&o!t $5.2
Ente!tainment $1--
Eating o$t $200
7e8t steps:
1* @o a !ealit+ c"ec1. Is +o$! #an1 acco$nt going $& eac" mont"H I0 t"e !es$lts %on=t matc", t!ac1 +o$! act$al Total outgoings: $'!())
s&en%ing in mo!e %etail. T"e mone+ is going some("e!eG
2* I0 +o$ "a2e s&a!e mone+ eac" mont", t"in1 "o( #est to $se it, e.g.
i* !e&a+ an+ loans 0aste! What*s le+t: $,!-(
ii* &$t mone+ into a s&ecial sa2ings acco$nt &e! mont"
3* P!int +o$! &lan.
,o$!ce: (((.mone+sma!t.go2.a$
Financial commitments
Home ) Utilities
,"o&&ing ) T!ans&o!t
Ente!tainment ) Eating o$t
$inancial
commitments
Home . utilities
Education .
health
Shopping . transport
Entertainment .
eating out
Income /esults
Monthly
Budget planner
Summary
Summary 2onthly amount
Total income: $5,050
Total o$tgoings: $3,.CC
What*s le+t: $,!-(
6our %udget position:
F6BUEG
>ong!at$lationsG
6our spending %rea&down
6our spending %rea&down 2onthly amount
Financial commitments $1,275
,&en%ing #!ea1%o(n
Home ) Utilities $300
Financial commitments $1,275
E%$cation ) Healt" $0
Home ) Utilities $300
,"o&&ing ) T!ans&o!t $1,.-2
E%$cation ) Healt" $0
Ente!tainment ) Eating o$t $3--
,"o&&ing ) T!ans&o!t $1,.-2
Ente!tainment ) Eating o$t $3--
7e8t steps:
1* @o a !ealit+ c"ec1. Is +o$! #an1 acco$nt going $& eac" mont"H I0 t"e !es$lts %on=t matc", t!ac1 +o$! act$al
s&en%ing in mo!e %etail. T"e mone+ is going some("e!eG
2* I0 +o$ "a2e s&a!e mone+ eac" mont", t"in1 "o( #est to $se it, e.g.
i* !e&a+ an+ loans 0aste!
ii* &$t mone+ into a s&ecial sa2ings acco$nt
iii* inc!ease +o$! cont!i#$tions to s$&e!ann$ation o! ot"e! in2estments
3* P!int +o$! &lan.
Financial commitments
Home ) Utilities
,"o&&ing ) T!ans&o!t
Ente!tainment ) Eating o$t
Budget planner
6our detailed %udget
Income $re0uency 1mount 2onthly amount 7otes
<o$! ta1e7"ome &a+ :ont"l+ $5,050 $5,050
<o$! &a!tne!=s ta1e7"ome &a+ Fo!tnig"tl+
3on$ses)o2e!time nn$all+
Income 0!om sa2ings an% in2estments nn$all+
>ent!elin1 #ene0its Fo!tnig"tl+
Famil+ #ene0it &a+ments Fo!tnig"tl+
>"il% s$&&o!t !ecei2e% :ont"l+
Ot"e! :ont"l+
$inancial #ommitments $re0uency 1mount 2onthly amount
?ent ) :o!tgage :ont"l+
>a! loan !e&a+ments :ont"l+
Ot"e! loan !e&a+ments :ont"l+
>!e%it ca!% inte!est :ont"l+ $770 $770
6ol$nta!+ s$&e! cont!i#$tions Fo!tnig"tl+
,a2ings :ont"l+
>"il% s$&&o!t &a+ments :ont"l+
@onations ) >"a!it+ :ont"l+ $505 $505
Poc1et mone+ /ee1l+
T+&e in +o$! o(n e9&ense :ont"l+
Home . Utilities $re0uency 1mount 2onthly amount
>o$ncil !ates I$a!te!l+
3o%+ >o!&o!ate 0ees I$a!te!l+
Home an% contents ins$!ance :ont"l+
Home maintenance an% !e&ai!s nn$all+
Ne( 0$!nit$!e ) &&liances nn$all+
Ot"e! :ont"l+
Elect!icit+ I$a!te!l+
Aas I$a!te!l+
/ate! I$a!te!l+
Inte!net :ont"l+
Pa+ T6 :ont"l+
Home &"one :ont"l+
:o#ile &"one's* :ont"l+ $300 $300
T+&e in +o$! o(n e9&ense :ont"l+
Education . Health $re0uency 1mount 2onthly amount
,c"ool 0ees nn$all+
Uni ) TFE nn$all+
>"il%ca!e ) P!e7sc"ool /ee1l+
,c"ool $ni0o!ms nn$all+
,&o!t, m$sic, %ance, etc nn$all+
E9c$!sions :ont"l+
Ot"e! :ont"l+
P!i2ate "ealt" ins$!ance :ont"l+
Bi0e ins$!ance :ont"l+
@octo!s nn$all+
@entists nn$all+
:e%icines ) P"a!mac+ nn$all+
Budget planner
E+eca!e ) Alasses nn$all+
6et nn$all+
T+&e in +o$! o(n e9&ense :ont"l+
Shopping . Transport $re0uency 1mount 2onthly amount 7otes
,$&e!ma!1et :ont"l+ $250 $250
F!$it ) 6eg /ee1l+
3a#+ &!o%$cts /ee1l+
>lot"ing ) ,"oes :ont"l+
>osmetics ) Toilet!ies :ont"l+ $200 $200
Hai!%!esse! I$a!te!l+
Ai0ts an% ot"e!s :ont"l+ $500 $500
Ot"e! 0oo% an% g!oce!+ /ee1l+
>a! ins$!ance nn$all+
>a! maintenance nn$all+
>a! !ego ) Bicence nn$all+
Pet!ol /ee1l+
?oa% tolls ) Pa!1ing :ont"l+
T!ains ) 3$ses ) Fe!!ies /ee1l+ $125 $5.2
T+&e in +o$! o(n e9&ense :ont"l+
Entertainment . Eating out $re0uency 1mount 2onthly amount
Holi%a+s nn$all+
3a!s ) >l$#s /ee1l+
Ot"e! alco"ol /ee1l+
A+m ) ,&o!ting mem#e!s"i& :ont"l+ $1-- $1--
>iga!ettes /ee1l+
:o2ies ) :$sic Fo!tnig"tl+
Ho##ies Fo!tnig"tl+
Ne(s&a&e! ) :agaDines /ee1l+
>ele#!ations nn$all+
Ot"e! :ont"l+
?esta$!ants :ont"l+ $200 $200
Ta1ea(a+ ) ,nac1s /ee1l+
3o$g"t l$nc"es /ee1l+
>o00ee ) Tea /ee1l+
T+&e in +o$! o(n e9&ense :ont"l+
7otes
Budget planner
,o$!ce: (((.mone+sma!t.go2.a$
Financial commitments
Home ) Utilities
,"o&&ing ) T!ans&o!t
Ente!tainment ) Eating o$t