Vertex42 Money Manager: Instructions Intro

Vertex42 Money Manager
INSTRUCTIONS
2010-2016 Vertex42 LLC
For Excel 2010 or Later
Intro
The Vertex42 Money Manager can be a very simple money management tool. Like most
spreadsheet applications, you should know that spreadsheets are error-prone. It is easy to
make mistakes, accidentally delete things that should not be deleted, forget to copy formulas,
etc. If you are comfortable using Excel, know how to identify and fix formulas when needed,
understand how to use basic row operations (delete, copy, inserted copied rows, etc.), are
okay with the level of risk you take on by using a spreadsheet, and follow the instructions
and guidelines, you should find this spreadsheet very useful.
General Tips
- Except for customizing the categories, you normally only edit cells with a gray border:
This is an example
- Some of the labels include cell comments (marked with little red
triangles) to provide
comment.
extra help information.
- You can add your own cell comments! This is especially useful in the Budget worksheet,
where you can create notes to explain irregular or variable expenses.
- If you see "#####" in a cell, widen the COLUMN to display the cell contents.
- This workbook uses a lot of conditional formatting. Look up "conditional formatting" in the
Excel help system (F1) if you want to know how it works.
- You can add a limited amount of security by password protecting your workbook, but that
can be easily bypassed by anyone with malicious intent. The security of your data is your
responsibility.
- Backup your file regularly to avoid losing data! Excel files DO get corrupted occasionally.
Step 1 Customize Categories (or don't)

The easiest way to get started is to just use the default set of budget categories.
If you need to make changes to the categories, make sure that you make corresponding
changes in ALL the other worksheets.
TIP: If you are going to customize the categories, it may be easier to start from the Budget
worksheet and then make sure that the Report and Categories worksheets correspond.
A. If you ADD or DELETE Categories, make sure that you use row operations (copying or
deleting entire rows) to help ensure that all formulas are copied correctly. Always insert
new rows between the first and last item in the category. If you insert a row immediately
above the "Total" or "Subtotal" row, formulas will not stretch to include the row you inserted.
B. Category names in all the worksheets must match exactly. Conditional formatting is used
to highlight the category names if the categories are not found in the Categories worksheet.
C. No Duplicate Category Names
Using duplicate category names like "Other" will result in errors, but you may not easily
notice the errors. Make sure that each category is UNIQUE.
D. Do Not Remove or Add Major Categories
If you add or remove major categories (like Housing, Food, Health, etc.), many formulas
will need to be updated and it is very likely you'll miss something and end up introducing
errors. Try to use the default set of categories or RENAME the categories, but avoid adding
or removing the major categories.
Step 2 Define Your List of Accounts

Edit the list of accounts that you want to include in the Transaction History worksheet by
editing the Accounts worksheet. The list will populate the dropdown box in the Accounts
column of the Transactions worksheet.
TIP: If you start each account name with a different letter, Excel's autocomplete feature
will make entering the account much faster for you.
Goals: The account list includes a place to list a Goal
Step 3 Define your Yearly Budget

Define your budget using the Budget worksheet. Edit only the cells with the gray outline.
See Vertex42.com and the blog Vertex42Blog.com for tips on budgeting.
- For a Financial Year that does not start in January: Before entering your yearly budget,
go to the Report worksheet and enter the "Year Begins" date. This will update the month
labels in the Budget worksheet.
- You can copy and paste the input cells within the Budget worksheet as needed. For example,
enter an average fuel cost in January, then copy the value to other months.
- Use formulas to do basic calculations like "=245/6" to divide 245 by 6 or "=34*2" to multipy
34 by 2, or "=34+12+45" to add a bunch of numbers. Formulas are entered using the
equals "=" sign.
Step 4 Record Transactions

The Transactions worksheet lets you record transactions for multiple accounts. Think of a
PAYMENT as money leaving the account and a DEPOSIT as money entering the account.
Examples of different types of transactions are given below.
IMPORTANT: You must copy and paste entire rows when adding new rows, to ensure that all
the formatting, data validation, and formulas get copied correctly.
THE MOST COMMON ERROR is inserting a new row and forgetting to copy formulas down.
When you insert a blank row, some formatting is copied from the row above it automatically,
but formulas and data validation are not copied. You can press CTRL+d after inserting a new
row to quickly copy all formulas and formatting from the row immediately above.
Use the screenshot below as a guide for how to enter transactions.
Num: This column is usually used to list the check number, but you can also use it to enter
"DEP" for deposit, "TXFR" for transfer, "EFT" for electronic funds transfer, "ACH" for
Automated Clearing House transactions, etc.
Category: The Category field is essential to the functionality of this workbook. The Category
is a dropdown list that gets its info from the Categories worksheet.
The Category column uses conditional formatting to highlight the category PINK if the
category is not found in the Categories worksheet, BROWN if the category is not found in
the Yearly or Monthly worksheet, and GRAY if the category is blank, [Transfer], or [Balance]
If the formatting isn't copied correctly, you'll lose this double-check feature. So again, this
spreadsheet is not error-proof.
IMPORTANT: If you have chosen a category such as "Ted's Fund" and then later remove
"Ted's Fund" from the list in the Categories worksheet, it will not be changed in the Transactions
table automatically. You will need to make sure that you find all the records that have used
"Ted's Fund" as the Category and change them to something else.
Step 4-0: Delete the Sample Rows
Step 4-1: Enter the beginning balance(s):
The Beginning Balance on JANUARY 1st for each account should be the first lines in the
register. If an account has a Negative balance (like a Credit Card), enter the balance as a
Positive value in the PAYMENT column. If an account has a Positive balance, enter the balance
as a Positive value in the DEPOSIT column. Use the Account Balance column to compare to
the balance shown on your bank or credit card statements.
Step 4-2: Add New Transactions:
You will probably find that the fastest way to add new transactions is copy and paste similar
previous transactions. You can select one or more rows, copy them, and then paste them
below the last transaction. Then, you just need to edit the cells that need to be changed.
TIP: Always leave the last row in the table BLANK so that you can easily add new rows. To
add new rows, select the last row of the table (row 57 in the image below) and drag the fill
handle down to copy the row down to create as many new rows as you need.
Recording a SPLIT Transaction

If a single transaction needs to be allocated to multiple budget categories, you need to create
a SPLIT transaction. You can do this by splitting the transaction into multiple transactions one for each category. You can use the MEMO field to indicate that the transaction is a "Split".
ACCOUNT
Checking
Checking
Checking
DATE
1/1/10
1/1/10
1/1/10
NUM
2032
2032
2032
PAYEE
Target
Target
Target
MEMO
Split
Split
Split
CATEGORY
Clothing
Groceries
Supplies
PAYMENT
23.10
45.15
25.04
Tip: If you want to verify the total amount of the split transaction, you can do a quick
calculation off to the side of the table using an Excel formula, like "=SUM(H13:H15)"
Recording a [Transfer] Between Spending Accounts
Record a transfer by listing two transactions (one PAYMENT, one DEPOSIT) to offset each other.
Choose "[Transfer]" as the Category for both transactions. For example, a $250 credit card
payment would be recorded as a transfer FROM your checking TO your credit card account:
ACCOUNT
CreditCard
Checking
DATE
1/1/10
1/1/10
NUM
TXFR
TXFR
PAYEE
[From Checking]
[To CreditCard]
CATEGORY
[Transfer]
[Transfer]
PAYMENT
DEPOSIT
150.00
150.00
NOTE: The above example assumes that the "payment" to your Credit Card is to pay off the
charges that you have already recorded earlier in the Transaction History table for the
CreditCard account. If you are NOT recording individual CreditCard transactions using the
Transactions worksheet, or part of the $150.00 was to pay down an outstanding debt, then a
credit card payment would look like one of the following, where "Credit Card #1" is a category
under Obligations.
Example 1: Not using Credit Card #1 any more, but still owe money on it.
ACCOUNT
DATE
NUM
PAYEE
CATEGORY
PAYMENT
Checking
1/1/10
Credit Card
Example 2: A portion of a
ACCOUNT
DATE
CreditCard 1/1/10
Checking
1/1/10
Checking
1/1/10
Credit Card #1
credit card payment used to

NUM
PAYEE
TXFR [From Checking]
TXFR [To CreditCard]
TXFR [To CreditCard]
150.00
pay down $25.00 of outstanding debt.

MEMO
CATEGORY
PAYMENT
[Transfer]
Split [Transfer]
125.00
Split Credit Card #1 25.00
DEPOSIT
150.00
Recording a [Transfer] To SAVINGS

When budgeting, you treat a transfer to Savings as an expense. You'll notice in the Budget
worksheet that there are multiple savings goals listed as sub-categories under the main
"To Savings" category. Instead of just throwing money into Savings, you should allocate the
money to specific savings goals based on percentages. For example, 50% to your Emergency
Fund, 25% to Retirement, etc. You do this by recording the transfer as a SPLIT transaction:
In the example below, the CATEGORY for the Savings account transaction is "[Transfer]"
while the CATEGORY for the Checking account transaction(s) are budget sub-categories.
ACCOUNT
Savings
Checking
Checking
Checking
DATE
1/1/10
1/1/10
1/1/10
1/1/10
NUM
TXFR
TXFR
TXFR
TXFR
PAYEE
[From Checking]
[To Savings]
[To Savings]
[To Savings]
CATEGORY
PAYMENT
[Transfer]
Emergency Fund 100.00
Retirement
50.00
College Fund
50.00
DEPOSIT
200.00
Recording a Return or Refund

A very common approach for recording returns or refunds is to record them as a negative
expense. As an example, let's say you purchased a blender from a department store and
allocated the payment to your "Appliances" category. After returning the blender, the store
credits your card. Instead of entering the credit as a deposit, enter the amount as a negative
payment as shown below. Doing this will credit the correct budget category instead of
treating the return as income.
Original Transaction:
ACCOUNT
DATE
CreditCard 1/1/10
NUM
PAYEE
The Big Store
CATEGORY
Appliances
PAYMENT
50.00
DEPOSIT
Recording the Return:

ACCOUNT
DATE
CreditCard 1/5/10
NUM
PAYEE
The Big Store
CATEGORY
Appliances
PAYMENT
-50.00
DEPOSIT
Budgeting for Large Variable Expenses

For large payments that are made once every few months or once a year, it is common to
estimate a monthly budget amount and transfer the monthly amount into a temporary
savings account, so that you have enough money available when you need to pay the bill.
If you are recording those transfers to savings each month as an expense, then what do
you do when it comes time to pay the bill?
One approach is to first transfer the amount saved from Savings to Checking, recording the
transfer as a credit to the expense category. Then, record the actual payment like normal.
1. Record the Transfer
ACCOUNT
DATE
Savings
6/1/14
Checking 6/1/14
from Savings to Checking as a

NUM
PAYEE
TXFR [To Checking]
TXFR [From Savings]
2. Recording the Actual Insurance Payment:

ACCOUNT
DATE
NUM
PAYEE
Checking 6/1/14 1023 ABC Insurance
Credit to the Expense Category

CATEGORY
PAYMENT
[Transfer]
200.00
Insurance
CATEGORY
Insurance
PAYMENT
198.00
DEPOSIT
200.00
DEPOSIT
In the above example, the actual payment of 198.00 was lower than the previously budgeted
total expense of 200.00, so you could end up seeing a value of -2.00 in the Actual column
of the report worksheet. This is similar to what you might see if you received a refund or
return for something you paid in a previous month.
Step 4-3: Record "Cleared" Transactions.
When you see that charges have been processed or "cleared" by your bank, you should
enter a "c" in the reconcile (R) column for that transaction.
The Cleared Balance in the transaction history table shows the Account balance for the
transactions marked "R" for reconciled or "c" for cleared. This allows you to compare the
Cleared Balance with the current balance shown on your bank statements.
The Account Balance reflects your actual or effective balance and is the one you should be
looking at to stay on budget. The Cleared Balance is for comparing to your bank and credit
card statements. For example, when you write a check to a friend, it won't show up in your
bank account until they cash it. You should record the transaction immediately, to help you
stay on budget, but until the check shows up on your bank statement, your Cleared Balance
will be different from the Account Balance (until you enter a "c" or "R" in the reconcile column).
Step 4-4: Reconcile Your Accounts
You should reconcile your accounts at least one a month. Reconciling is also commonly known
as "balancing your checkbook".
A. Get your bank and credit card statements
B. Review your statements for errors and fraudulent charges
C. Your statements may include ATM fees, bank fees, or other transactions that you forget
to include in the Transactions worksheet. Add them.
D. Verify that the Cleared Balance (as of the Ending Statement Date) in the Transactions
worksheet matches the Statement Balance.

E. Enter an "R" in the reconcile (R) column for every transaction that shows up on your
bank statement.
TIP: If you are familiar with using Excel lists or tables, you can use autofiltering to filter the
transaction history table to show a single account at a time.
Step 4-5: Check Formulas
If you ever have reason to suspect that you forgot to copy formulas, you should UNHIDE
columns K-N and copy the formulas down.
Step 5 Track Your Progress

A very important part of good money management is keeping track of how your current
spending compares to your budget. You might check your budget status on a weekly or even
daily basis, but you should at least manage your money on a monthly basis.
Using the Report Worksheet
Use the Report worksheet to compare your budget to your actual spending throughout
the month. Change the month by entering the month number (1 for Jan., 2 for Feb., etc.).
The Report pulls the budget info from the Budget worksheet and the actual spending from
the Transactions worksheet, so you can view the report at any time during the month and
see how much you have left (or how much you have overspent) in each category.
IMPORTANT: If the Report worksheet does not appear to be pulling information from the
Transactions worksheet, please see Step 4-5 above (Check Formulas).
Using the YearlyReport Worksheet
The YearlyReport worksheet is very similar to the Budget worksheet except that it calculates
amounts from the Transactions worksheet to show you an Income and Expense report.
If you customize budget categories, you will need to make sure to edit the YearlyReport
worksheet so that all budget categories match.
HELP
o copy formulas,
when needed,
Input Cell
Label
m the Budget
you inserted.
es worksheet.
>> Excel Tips
How to Budget: Budgeting Tips

Vertex42 Blog: Budgeting
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automatically,
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[Balance]
Blah Blah
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:
:
Normal background color to identify Transfers

Normal background color to identify Beginning Balance
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Category not found in the Budget or Report worksheets
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HELP
Starting Balance
Total Income
Total Expenses
2,330
0
ET (Income - Expenses)
Projected End Balance
2,330
2,090
1,150
4,150
4,500
1,150
1,090
3,850
2,330
4,420
5,570
9,720
14,220
15,370
16,460
20,310
26,260
2,090
1,150
4,150
4,500
1,150
1,090
3,850
[42]
Total
Avg
3,350
30,010
2,501
400
400
33
5,950
3,350
29,610
2,468
29,610
29,610
29,610
Total
Average
6,350
Monthly
Jan
Mar
Feb
Apr
Jun
May
Jul
Sep
Aug
Oct
Dec
Nov
INCOME
SALES RESUMES
2,330
2,090
1,150
4,150
4,500
1,150
1,090
3,850
6,350
3,350
30,010
2,501
Interest Income
Dividends
Gifts Received
Refunds/Reimbursements
Financial Aid
Rental Income
INCOME-Other
30,010
2,501
TAMMY
GAIL
ERIC
Investments
Taxes
Vacation Fund
SAVINGS -Other
Total INCOME
2,330
2,090
1,150
4,150
4,500
1,150
1,090
3,850
6,350
3,350
WRITER COSTS
Total WRITER COSTS
% of Income
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
V ASSISTANT
Edna
400
400
33
Eloise ??
Religious Donations
Gifts
Christmas
CHARITY - Other
400
33
1.3%
1.3%
Mortgage/Rent
Home/Rental Insurance
Real Estate Taxes
Furnishings/Appliances
Lawn/Garden
Maintenance/Supplies
Improvements
Total V ASSISTANT
400
% of Income
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
6.3%
0.0%
HOUSING
HOUSING - Other
Total HOUSING
% of Income
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Electricity
Gas/Oil
Water/Sewer/Trash
Phone
Cable/Satellite
Internet
UTILITIES - Other
UTILITIES
Total UTILITIES
% of Income
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Groceries
Dining/Eating Out
Pet Food
FOOD - Other
FOOD
Total FOOD
Jan
Mar
Feb
Apr
Jun
May
Jul
Sep
Aug
Oct
Dec
Nov
Total
Average
0.0%
0.0%
Vehicle Payments
Auto Insurance
Fuel
Bus/Taxi/Train Fare
Repairs/Tires
Registration/License
TRANSPORTATION - Other
% of Income
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
TRANSPORTATION
Total TRANSPORTATION
% of Income
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Health Insurance
Disability Insurance
Doctor/Dentist/Optometrist
Medicine/Drugs
Health Club Dues
Life Insurance
Veterinarian/Pet Care
HEALTH - Other
HEALTH
Total HEALTH
% of Income
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Education
Clothing
Personal Supplies
Cleaning Services
Laundry / Dry Cleaning
Salon/Barber
DAILY LIVING - Other
DAILY LIVING
Total DAILY LIVING
% of Income
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Children:Clothing
Medical
Music Lessons
School Tuition
School Lunch
School Supplies
Babysitting/Child Care
Toys/Games
CHILDREN - Other
CHILDREN
Total CHILDREN
% of Income
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Student Loan
Other Loan
Credit Card #1
Credit Card #2
Credit Card #3
Alimony/Child Support
Federal Taxes
State/Local Taxes
Legal Fees
OBLIGATIONS - Other
OBLIGATIONS
Total OBLIGATIONS
% of Income
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Deductible Expenses
Non-Deductible Expenses
BUSINESS - Other
BUSINESS EXPENSE
Total BUSINESS EXPENSE
% of Income
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Vacation/Travel
Videos/DVDs
Music
Games
ENTERTAINMENT
Jan
Mar
Feb
Apr
Jun
May
Jul
Sep
Aug
Oct
Dec
Nov
Total
Average
Rentals
Movies/Theater
Concerts/Plays
Books
Hobbies
Film/Photos
Sports
Outdoor Recreation
Toys/Gadgets
ENTERTAINMENT - Other
Total ENTERTAINMENT
% of Income
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Newspaper
Magazines
Dues/Memberships
SUBSCRIPTIONS - Other
SUBSCRIPTIONS
Total SUBSCRIPTIONS
% of Income
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Bank Fees
Postage
MISC - Other
MISCELLANEOUS
Total MISCELLANEOUS
% of Income
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Account List
HELP
You can track any number of real or virtual accounts. These accounts will show up in the Accounts
column in the Transactions worksheet.
Account
Goal
Checking
Savings
BobsCard
JanesCard
2,000.00
10,000.00
%
123.3%
25.5%
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
Cleared
2,759.80
2,345.00
-443.34
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Balance
2,466.51
2,545.00
-443.34
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Insert new rows above this on
Total:
4,568.17
new rows above this one to add accounts
Transaction History
HELP
Account
Date
Num Payee
Memo
Tag
Category
R PAYMENT DEPOSIT Cleared Cleared Account

Payment Deposit Balance
BALANCE
Cleared
Balance
Checking
1/01/14
[Balance As of 01/01/2014]
[Balance]
875.00
875.00
875.00
875.00
875.00
Savings
BobsCard
1/01/14
[Balance]
2,345.00
2,345.00
2,345.00
2,345.00
3,220.00
1/01/14
[Balance]
Checking
Checking
BobsCard
1/01/14 DEP Direct Deposit from Employer
Wages & Tips
1/10/14 2032 Car Payment
Vehicle Payments
1/15/14
Joe's Food Mart
Groceries
BobsCard
Checking
1/18/14
Fuel
Gas/Oil
Wages & Tips
Checking
Checking
2/10/14 2033 Target
Split
Clothing
23.10
2/10/14 2033 Target
Split
Groceries
45.15
Checking
Savings
2/10/14 2033 Target
Split
Personal Supplies
25.04
Checking
Checking
2/15/14 TXFR [To Savings]
Split
Emergency Fund
100.00
Split
Retirement Fund
Checking
Split
College Fund
2/05/14 DEP Direct Deposit from Employer
256.00
115.20
1,000.00
(256.00)
(256.00)
2,964.00
1,875.00
1,875.00
3,964.00
1,759.80
1,759.80
3,848.80
115.20
87.34
87.34
(343.34)
(343.34)
3,761.46
100.00
100.00
(443.34)
(443.34)
3,661.46
2,759.80
2,759.80
4,661.46
2,736.70
2,759.80
4,638.36
2,691.55
2,759.80
4,593.21
2,666.51
2,759.80
4,568.17
2,545.00
2,345.00
4,768.17
2,566.51
2,759.80
4,668.17
50.00
2,516.51
2,759.80
4,618.17
50.00
2,466.51
2,759.80
4,568.17
4,568.17
4,568.17
4,568.17
4,568.17
4,568.17
4,568.17
4,568.17
4,568.17
4,568.17
4,568.17
4,568.17
4,568.17
4,568.17
4,568.17
4,568.17
4,568.17
4,568.17
4,568.17
4,568.17
4,568.17
1,000.00
[Transfer]
2/15/14 TXFR [From Checking]
256.00
1,000.00
200.00
1,000.00
Account
Date
Num Payee
Memo
Tag
Category
R PAYMENT DEPOSIT Cleared Cleared Account

Payment Deposit Balance
BALANCE
Cleared
Balance
4,568.17
4,568.17
4,568.17
4,568.17
4,568.17
4,568.17
4,568.17
4,568.17
4,568.17
4,568.17
Monthly Budget Report

HELP
Year Begins: 1/1/2014

Month:
1
Begin:
End:
1/1/14
1/31/14
BUDGET SUMMARY
#N/A
1,000.00
#N/A
EXPENSE
SUMMARY
Expense
Summary
TO SAVINGS
CHARITY/GIFTS
TO SAVINGS
#N/A
302.54
#N/A
#N/A
697.46
Budget
Total Income
Total Expenses
NET
Budget
200
Actual
600
800
1000
HOUSING
#REF!
#REF!
#N/A
UTILITIES
CHARITY/GIFTS
#REF!
100.00
#REF!
1200
FOOD
TRANSPORTATION
HOUSING
HEALTH
DAILY LIVING
UTILITIES
CHILDREN
#REF!
#REF!
#REF!
#REF!
#REF!
87.34
115.20
-
#REF!
#REF!
#REF!
#REF!
#REF!
OBLIGATIONS
FOOD
BUSINESS EXPENSE
ENTERTAINMENT
TRANSPORTATION
SUBSCRIPTIONS
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
MISCELLANEOUS
#REF!
#REF!
NET
Budget
Interest Income
Dividends
Gifts Received
Financial Aid
Rental Income
INCOME-Other
Total INCOME
#N/A
#REF!
Actual
Difference
1,000.00
-
HEALTH
#N/A
#REF!
DAILY LIVING
CHILDREN
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
OBLIGATIONS
#REF!
#N/A
BUSINESS EXPENSE
#REF!
#N/A
1,000.00
ENTERTAINMENT
TO SAVINGS
Emergency Fund
Retirement Fund
College Fund
Investments
Taxes
Vacation Fund
SAVINGS -Other
Total TO SAVINGS
% of Income
CHARITY/GIFTS
Tithing
Budget
Actual
Difference
#N/A
#N/A
#N/A
#N/A
#N/A
#REF!
#REF!
#REF!
#N/A
#REF!
#REF!
#REF!
#REF!
#N/A
#N/A
0.0%
#REF!
#N/A
Budget
Actual
Difference
#N/A
#N/A
#N/A
#N/A
Total CHARITY/GIFTS
#REF!
#REF!
#REF!
#REF!
#N/A
#REF!
#REF!
#REF!
#REF!
#N/A
% of Income
#N/A
Charitable Donations
Religious Donations
Gifts
Christmas
CHARITY - Other
HOUSING
Mortgage/Rent
Real Estate Taxes
Lawn/Garden
Budget
0.0%
Actual
Budget
Budget ActualActualDifference
#N/A
#N/A
Total Expenses
Wages & Tips
Actual
400
No
#N/A
#N/A
Difference
Total Income
INCOME
Year-To-Date:
Difference
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
SUBSCRIPTIONS
MISCELLANEOUS
Improvements
HOUSING - Other
Total HOUSING
#REF!
#REF!
#REF!
#REF!
% of Income
#N/A
UTILITIES
Electricity
Gas/Oil
Water/Sewer/Trash
Phone
Cable/Satellite
Internet
UTILITIES - Other
Total UTILITIES
% of Income
FOOD
Budget
Total FOOD
% of Income
TRANSPORTATION
Vehicle Payments
Auto Insurance
Fuel
Bus/Taxi/Train Fare
Repairs/Tires
otal TRANSPORTATION
% of Income
HEALTH
Medicine/Drugs
Health Club Dues
Life Insurance
HEALTH - Other
Total HEALTH
% of Income
DAILY LIVING
Education
Clothing
Personal Supplies
Cleaning Services
Salon/Barber
Total DAILY LIVING
% of Income
CHILDREN
Children:Clothing
Medical
Music Lessons
School Tuition
0.0%
Actual
Difference
100.00
-
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#N/A
100.00
10.0%
#REF!
#REF!
#REF!
#REF!
Actual
Difference
#REF!
#REF!
#REF!
#REF!
87.34
-
#REF!
#REF!
#REF!
#REF!
#REF!
#N/A
87.34
8.7%
#REF!
Budget
#REF!
#REF!
#REF!
Actual
#REF!
#REF!
#REF!
#N/A
Difference
115.20
-
#REF!
#REF!
Budget
Health Insurance
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
Budget
Groceries
Dining/Eating Out
Pet Food
FOOD - Other
115.20
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
11.5%
Actual
Difference
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#N/A
0.0%
#REF!
#REF!
#REF!
#REF!
#REF!
Budget
Actual
Difference
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#N/A
0.0%
#REF!
#REF!
#REF!
Budget
Actual
Difference
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
School Lunch
School Supplies
Toys/Games
CHILDREN - Other
Total CHILDREN
% of Income
OBLIGATIONS
Student Loan
Other Loan
Credit Card #1
Credit Card #2
Credit Card #3
Federal Taxes
State/Local Taxes
Legal Fees
OBLIGATIONS - Other
Total OBLIGATIONS
% of Income
BUSINESS EXPENSE
Deductible Expenses
BUSINESS - Other
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#N/A
0.0%
#REF!
#REF!
Budget
Actual
Difference
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#N/A
0.0%
#REF!
#REF!
#REF!
#REF!
Budget
Actual
Difference
#REF!
#REF!
al BUSINESS EXPENSE
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
% of Income
#N/A
ENTERTAINMENT
Vacation/Travel
Videos/DVDs
Music
Budget
0.0%
Actual
Difference
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
Sports
Outdoor Recreation
Toys/Gadgets
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
Total ENTERTAINMENT
% of Income
#REF!
#N/A
0.0%
#REF!
Games
Rentals
Movies/Theater
Concerts/Plays
Books
Hobbies
Film/Photos
SUBSCRIPTIONS
Newspaper
Magazines
Dues/Memberships
Total SUBSCRIPTIONS
% of Income
MISCELLANEOUS
Bank Fees
Postage
MISC - Other
Total MISCELLANEOUS
% of Income
Budget
#REF!
#REF!
#REF!
#REF!
#REF!
#N/A
Budget
Actual
Difference
0.0%
Actual
#REF!
#REF!
#REF!
#REF!
#REF!
Difference
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#N/A
0.0%
#REF!
Yearly Income & Expense Report

HELP
For Year Beginning
Starting Balance
Total Income
Total Expenses
ET (Income - Expenses)
End Balance
1/1/14
[42]
Total
Avg
2,000
167
596
50
1,404
117
2,964
1,000
1,000
303
293
697
707
3,661
4,368
4,368
4,368
4,368
4,368
4,368
4,368
4,368
4,368
4,368
4,368
Monthly
Jan
Mar
Feb
Apr
Jun
May
Jul
Sep
Aug
Oct
Dec
Nov
Total Average
Date Begin
1-Jan
1-Feb
1-Mar
1-Apr
1-May
1-Jun
1-Jul
1-Aug
1-Sep
1-Oct
1-Nov
1-Dec
Date End
31-Jan
28-Feb
31-Mar
30-Apr
31-May
30-Jun
31-Jul
31-Aug
30-Sep
31-Oct
30-Nov
31-Dec
INCOME
Wages & Tips
1,000
1,000
2,000
167
Interest Income
Dividends
Gifts Received
Financial Aid
Rental Income
INCOME-Other
1,000
1,000
2,000
167
Emergency Fund
100
100
Retirement Fund
50
50
College Fund
50
50
Investments
Taxes
Vacation Fund
SAVINGS -Other
Total INCOME
TO SAVINGS
Total TO SAVINGS
200
% of Income
0.0%
20.0%
200
17
10.0%
10.0%
Tithing
CHARITY/GIFTS
Jan
Mar
Feb
Apr
Jun
May
Jul
Sep
Aug
Oct
Dec
Nov
Total Average
Religious Donations
Gifts
Christmas
CHARITY - Other
Total CHARITY/GIFTS
% of Income
0.0%
0.0%
0.0%
0.0%
Mortgage/Rent
Real Estate Taxes
Lawn/Garden
Improvements
0
0
HOUSING
HOUSING - Other
Total HOUSING
% of Income
0.0%
0.0%
0.0%
0.0%
UTILITIES
Electricity
Gas/Oil
100
100
Water/Sewer/Trash
Phone
Cable/Satellite
Internet
0
0
UTILITIES - Other
Total UTILITIES
100
100
% of Income
10.0%
0.0%
5.0%
5.0%
87
45
132
11
Dining/Eating Out
Pet Food
FOOD - Other
FOOD
Groceries
Total FOOD
87
45
% of Income
8.7%
4.5%
115
132
11
6.6%
6.6%
TRANSPORTATION
Vehicle Payments
115
10
Auto Insurance
Fuel
Jan
Mar
Feb
Apr
Jun
May
Jul
Sep
Aug
Oct
Dec
Nov
Total Average
Bus/Taxi/Train Fare
Repairs/Tires
Total TRANSPORTATION
115
% of Income
11.5%
0.0%
115
10
5.8%
5.8%
Health Insurance
Medicine/Drugs
Health Club Dues
Life Insurance
HEALTH - Other
HEALTH
Total HEALTH
% of Income
0.0%
0.0%
0.0%
0.0%
Education
Clothing
23
23
Personal Supplies
25
25
Cleaning Services
Salon/Barber
DAILY LIVING
Total DAILY LIVING
48
48
% of Income
0.0%
4.8%
2.4%
2.4%
Children:Clothing
Medical
Music Lessons
School Tuition
School Lunch
School Supplies
Toys/Games
CHILDREN - Other
CHILDREN
Total CHILDREN
Jan
Mar
Feb
0.0%
0.0%
Student Loan
Other Loan
Credit Card #1
Apr
Jun
May
Jul
Sep
Aug
Oct
Dec
Nov
Total Average
0.0%
0.0%
Credit Card #2
Credit Card #3
Federal Taxes
State/Local Taxes
Legal Fees
OBLIGATIONS - Other
% of Income
OBLIGATIONS
Total OBLIGATIONS
% of Income
0.0%
0.0%
0.0%
0.0%
Deductible Expenses
BUSINESS - Other
Total BUSINESS EXPENSE
% of Income
0.0%
0.0%
0.0%
0.0%
Vacation/Travel
Videos/DVDs
Music
Games
Rentals
Movies/Theater
Concerts/Plays
Books
Hobbies
Film/Photos
Sports
Outdoor Recreation
Toys/Gadgets
BUSINESS EXPENSE
ENTERTAINMENT
Total ENTERTAINMENT
% of Income
0.0%
0.0%
0.0%
0.0%
SUBSCRIPTIONS
Jan
Mar
Feb
Apr
Jun
May
Jul
Sep
Aug
Oct
Dec
Nov
Total Average
Newspaper
Magazines
Dues/Memberships
Total SUBSCRIPTIONS
% of Income
0.0%
0.0%
0.0%
0.0%
Bank Fees
Postage
MISC - Other
Total MISCELLANEOUS
% of Income
0.0%
0.0%
0.0%
0.0%
MISCELLANEOUS
[Categories]
[Balance]
[Transfer]
***** INCOME *****
Wages & Tips
Interest Income
Dividends
Gifts Received
Financial Aid
Rental Income
INCOME-Other
***** SAVINGS *****
Emergency Fund
Retirement Fund
Investments
College Fund
Taxes
Vacation Fund
SAVINGS -Other
***** CHARITY / GIFTS *****
Tithing
Religious Donations
Gifts
Christmas
CHARITY - Other
***** HOUSING *****
Mortgage/Rent
Real Estate Taxes
Lawn/Garden
Improvements
HOUSING - Other
***** UTILITIES *****
Electricity
Gas/Oil
Water/Sewer/Trash
Phone
Cable/Satellite
Internet
UTILITIES - Other
***** FOOD *****
Groceries
Dining/Eating Out
Pet Food
FOOD - Other
***** TRANSPORTATION *****
Vehicle Payments
Auto Insurance
Fuel
Bus/Taxi/Train Fare
Repairs/Tires
***** HEALTH *****
Health Insurance
Medicine/Drugs
Health Club Dues
Life Insurance
HEALTH - Other
***** DAILY LIVING *****
Education
Clothing
Personal Supplies
Cleaning Services
Salon/Barber
***** CHILDREN *****
Children:Clothing
Medical
Music Lessons
School Tuition
School Lunch
School Supplies
Toys/Games
CHILDREN - Other
***** OBLIGATIONS *****
Student Loan
Other Loan
Credit Card #1
Credit Card #2
Credit Card #3
Federal Taxes
State/Local Taxes
Legal Fees
OBLIGATIONS - Other
***** BUSINESS EXPENSE *****
Deductible Expenses
BUSINESS - Other
***** ENTERTAINMENT *****
Vacation/Travel
Videos/DVDs
Music
Games
Rentals
Movies/Theater
Concerts/Plays
Books
Hobbies
Film/Photos
Sports
Outdoor Recreation
Toys/Gadgets
***** SUBSCRIPTIONS *****
Newspaper
Magazines
Dues/Memberships
***** MISCELLANEOUS *****
Bank Fees
Postage
MISC - Other
Instructions
This worksheet defines the list of categories used for the drop-down in the
Register worksheet. You must make absolutely sure that the list of categories
are the same in ALL worksheets
If you make a change to a category, you need to make that change in all
worksheets.
Adding a Category
- Copy an existing row and insert the copied row where you want it and then
edit the Category name. Then, make sure the add the category in the Budget
and Report worksheets.
Deleting a Sub-Category
- Before you start recording transactions, deleting a category is easy. Just
delete the category row. Don't delete major categories.
- If you have already started recording transactions, and some of the
transactions were allocated to the category you deleted, you will need to
manually update all those Transactions to assign them to a new category.
Making Changes to Categories

- This worksheet uses conditional formatting to detect whether the Category
is found in BOTH the Budget and Report worksheets.
- If a sub-category is highlighted PINK(MAGENTA), then the category needs
to be added to the Budget worksheet.
- A sub-category highlighted BROWN means that the category needs to be
added to the Report worksheet.
- Major categories like *****INCOME***** are used to separate groups of
categories and you should make sure that the sub-categories are grouped
correctly and consistently in the Yearly and Monthly worksheets.
WARNING: Be VERY careful to not use DUPLICATE category names such

as "Other".
Money Management Template

By Vertex42.com
http://www.vertex42.com/ExcelTemplates/money-management-template.html

This spreadsheet, including all worksheets and associated content is
considered a copyrighted work under the United States and other
copyright laws.
Do not submit copies or modifications of this template to any website or
online template gallery.
Please review the following license agreement to learn how you may or
may not use this template. Thank you.
See License Agreement
http://www.vertex42.com/licensing/EULA_privateuse.html
Do not delete this worksheet. If necessary, you may hide it by rightclicking on the tab and selecting Hide.

Vertex42 Money Manager: Instructions Intro

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Vertex42 Money Manager: Instructions Intro

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Vertex42 Money Manager

2010-2016 Vertex42 LLC

For Excel 2010 or Later

Step 1 Customize Categories (or don't)

Step 2 Define Your List of Accounts

Step 3 Define your Yearly Budget

Step 4 Record Transactions

Recording a SPLIT Transaction

credit card payment used to

pay down $25.00 of outstanding debt.

Recording a [Transfer] To SAVINGS

Recording a Return or Refund

Recording the Return:

Budgeting for Large Variable Expenses

from Savings to Checking as a

2. Recording the Actual Insurance Payment:

Credit to the Expense Category

worksheet matches the Statement Balance.

Step 5 Track Your Progress

2010-2016 Vertex42 LLC

>> Excel Tips

How to Budget: Budgeting Tips

Normal background color to identify Transfers

drag the fill

set each other.

o pay off the

Yearly Budget Planner

2010-2016 Vertex42 LLC

Total WRITER COSTS

Real Estate Taxes

Health Club Dues

Laundry / Dry Cleaning

DAILY LIVING - Other

Total DAILY LIVING

Total BUSINESS EXPENSE

2010-2016 Vertex42 LLC

Insert new rows above this on

new rows above this one to add accounts

2010-2016 Vertex42 LLC

R PAYMENT DEPOSIT Cleared Cleared Account

1/01/14 DEP Direct Deposit from Employer

Wages & Tips

1/10/14 2032 Car Payment

Joe's Food Mart

Wages & Tips

2/10/14 2033 Target

2/10/14 2033 Target

2/10/14 2033 Target

2/15/14 TXFR [To Savings]

2/15/14 TXFR [To Savings]

2/15/14 TXFR [To Savings]

2/05/14 DEP Direct Deposit from Employer

2/15/14 TXFR [From Checking]

R PAYMENT DEPOSIT Cleared Cleared Account

Monthly Budget Report

2010-2016 Vertex42 LLC

Year Begins: 1/1/2014

Wages & Tips

Yearly Income & Expense Report