Hello there! Thanks for downloading my BoxBudget spreadsheet!

The idea for this spreadsheet came (as so often happens) from a reader. She asked for a budgeting
spreadsheet that , in effect, broke up the month into four distinct periods. She requested that each
period's cumulative income surplus and/or shortfall roll over into the next period. The final period
(Days 22-31), then, shows the month's overall cushion (or, heaven forbid, shortfall) which could
"roll over" into next month's spreadsheet.

In the "Sample Entries" worksheet, I've shown the worksheet as it might stand for money-stressed
couple Bob and Ann Spendbig. When we pick up their story, it's Day 17 of the current month. All
income and expenses up to this point have been entered in the spreadsheet in their respective
periods as they occurred.

Notice the "estimated" expenses which they've entered into periods 3 and 4. Since they've not yet
spent that money, but are pretty sure that they'll have to eat and do other spending-type activities
for the next 14 days of the month, they've estimated those expenses going forward.

As they spend money in these areas, they'll simply enter the actual amounts spent. At the same
time, they should correspondingly adjust their estimated expense amounts.

I've tried to keep this spreadsheet as simple as possible. However, if you have questions or issues,
please visit this spreadsheet's web page at:

http://www.mdmproofing.com/iym/products/box-budget/

You can also email me at: storytellermike@yahoo.com

I hope this spreadsheet works well for you!

Regards,
Michael

IT'S YOUR MONEY!

www.moneyspot.org
dgeting
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Starting Cushion: $ 240.00 Cushions/shortfalls are cumulative; they roll over to the ne

Days 1-7 Days 8-14 Days 15-21

Cushion: $224.07 Cushion: $250.37 Cushion:

INCOME $ 224.07 INCOME $ 26.30 INCOME

Ann's Paycheck #1 $ 1,210.36 Bob's paycheck #1 $ 808.52 Ann's Paycheck #2
Birthday gift $ 100.00

EXPENSES $ 1,226.29 EXPENSES $ 882.22 EXPENSES

House payment $ 1,000.00 Visa payment $ 250.00 Medical insurance
Wal-Mart $ 125.30 Discover payment $ 250.00 Estimated Dining
Drugstore $ 13.80 Electric bill $ 106.00 Estimated Food
Water & trash $ 42.48 Natural gas bill $ 47.00 Estimated Other
Texaco fuel $ 25.40 Target $ 137.22
Texaco fuel $ 19.31 Haircut $ 22.00
Prescriptions $ 70.00
cumulative; they roll over to the next period!
Total Income: $4,123.88
Days 22-31 Total Expenses: $4,327.36
$267.22 Cushion: $36.52 ($203.48)

$ 16.85 INCOME $ (230.70)

$ 1,200.00 Bob's paycheck #2
Interest earned
$
$
800.00
5.00
BoxBudget v1.3
Click here for info page!

Spreadsheet Courtesy of
$ 1,183.15 EXPENSES $ 1,035.70 www.moneyspot.org
$ 413.15 Ann's car payment $ 310.10
$ 100.00 Bob's car payment $ 275.60
$ 450.00 Estimated other $ 230.00
$ 220.00 Xfer to savings $ 220.00

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Starting Cushion: $ - Cushions/shortfalls are cumulative; they roll over to the ne

Days 1-7 Days 8-14 Days 15-21

INCOME $ - INCOME $ - INCOME

EXPENSES $ - EXPENSES $ - EXPENSES

cumulative; they roll over to the next period!
Total Income: $0.00
Days 22-31 Total Expenses: $0.00
$0.00

$ - INCOME $ -
BoxBudget v1.3
Click here for info page!

Spreadsheet Courtesy of
$ - EXPENSES $ - www.moneyspot.org

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