Vertex42® Money Manager 2.

1
INSTRUCTIONS - For Google Sheets © 2010-2019 Vertex42 LLC

https://www.vertex42.com/ExcelTemplates/money-management-template.html MORE HELP >

Introduction
The Vertex42® Money Manager can be a fairly 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 a spreadsheet, know how to identify and fix formulas,
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
- Edit cells with a gray border: Input Cell
- Some of the labels include cell notes (marked with little black triangles) to provide
extra help information. Note [1]
- You can add your own cell notes! 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" online
or in the help system to learn how it works.
- The security of your data is your responsibility.
- Backup your file regularly to avoid losing data!

Step 1 Customize Categories

The easiest way to get started is to use the default set of budget categories.

• Edit budget categories in the Budget worksheet only.

The other worksheets refer directly to the Budget worksheet.
• Do not insert more rows in the Budget or Report worksheets. This spreadsheet allows
a limited number of budget categories. Although it is possible to add more, you will need
a lot more spreadsheet knowledge to make the necessary changes.
• For more categories, unhide the hidden rows in the Budget and Report worksheets.
• No Duplicate Category Names.
Using duplicate category names will result in errors, but you may not notice the errors.
Make sure that each category is UNIQUE.

Step 2 Define Your List of Accounts

Edit the Accounts worksheet.
The list in the Accounts worksheet will populate the dropdown box in the Accounts column
of the Transactions worksheet.

TIP: If you start each account name with a different letter, the autocomplete feature
will make entering the account much faster for you.

Goals: The account list includes a place to list a Goal and the % column shows your progress
towards that goal. This may be useful for listing savings fund goals or check reserve amounts.

Step 3 Define Your Yearly Budget

Define your budget using the Budget worksheet. Edit only the cells with the gray outline.

Learn more about budgeting on Vertex42.com:

Budgeting Tips and Tools >
Article: How to Budget >

• 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 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.

Date: To quickly enter the current date, use the keyboard shortcut CTRL+; 9/3/2020
The list of dates to the right is used to populate the drop-down box. For other dates, 9/2/2020
you will need to enter the date manually. For a date in the current year, you can use the 9/1/2020
shortcut of just entering the month/day like 5/16. 8/31/2020
8/30/2020
8/29/2020
8/28/2020
8/27/2020

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 budget Category field is essential to the functionality of this workbook.
The dropdown list refers to the categories in the Budget worksheet.

If you enter a category that is not listed in the Budget worksheet, the cell is highlighted: Cell Highlighted : Category not found in the Categories worksheet
The highlighting is done via conditional formatting. If you insert rows in a way that does
not copy formatting, you'll lose this error-checking feature.

IMPORTANT: If you have chosen a category such as "Ted's Fund" and then later remove
"Ted's Fund" from the Budget 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 DATE NUM PAYEE MEMO CATEGORY PAYMENT

Checking 1/1/10 2032 Target Split Clothing 23.10
Checking 1/1/10 2032 Target Split Groceries 45.15
Checking 1/1/10 2032 Target Split Supplies 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 a 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 DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT

CreditCard 1/1/10 TXFR [From Checking] [Transfer] 150.00
Checking 1/1/10 TXFR [To CreditCard] [Transfer] 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 Credit Card #1 150.00

Example 2: A portion of a credit card payment used to pay down $25.00 of outstanding debt.
ACCOUNT DATE NUM PAYEE MEMO CATEGORY PAYMENT DEPOSIT
CreditCard 1/1/10 TXFR [From Checking] [Transfer] 150.00
Checking 1/1/10 TXFR [To CreditCard] Split [Transfer] 125.00
Checking 1/1/10 TXFR [To CreditCard] Split Credit Card #1 25.00

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 DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT

Savings 1/1/10 TXFR [From Checking] [Transfer] 200.00
Checking 1/1/10 TXFR [To Savings] Emergency Fund 100.00
Checking 1/1/10 TXFR [To Savings] Retirement 50.00
Checking 1/1/10 TXFR [To Savings] College Fund 50.00

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 NUM PAYEE CATEGORY PAYMENT DEPOSIT
CreditCard 1/1/10 The Big Store Appliances 50.00

Recording the Return:

ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT
CreditCard 1/5/10 The Big Store Appliances -50.00

Budgeting for Known Future Expenses (e.g. car, holiday, vacation, etc.)
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.
The transfers are recorded as expenses at the time the money is transferred as explained
above in the section "Recording a [Transfer] to SAVINGS."

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? You don't want to record the expense twice.

If you can pay directly from your Savings account:

You have already recorded the payments as expenses when you transferred the money to
Savings, so leave the Category blank when recording the payment. The payment will not
show up in your budget report a second time (because the Category column is blank).

ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT

Savings 6/1/14 chk ABC Insurance 198.00

If you can't pay directly from your Savings account:

First transfer the amount saved from Savings to Checking, recording the transfer as a
credit to the expense category. Then, record the payment from Checking like normal.

1. Record the Transfer from Savings to Checking as a Credit to the Expense Category
ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT
Savings 6/1/14 TXFR [To Checking] [Transfer] 200.00
Checking 6/1/14 TXFR [From Savings] Insurance 200.00

2. Record the Payment from Checking:

ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT
Checking 6/1/14 1023 ABC Insurance Insurance 198.00

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.

Budgeting for Known Future Expenses - Without Transfers Between Accounts

To allocate money to a savings or expense fund without transferring the money to a different
account, you will need to add a pair of offset transactions for each allocation. The first entry
includes the budget category and the second entry does not. The payment and deposit amounts
offset each other, so the account balance does not change. When you make the real payment,
you leave the Category blank. The following shows what this might look like for a quarterly
health insurance payment, with monthly budget allocations.
 ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSIT
Checking 1/1/10 [Allocation] Health Insurance 200.00
Checking 1/1/10 [Allocation] 200.00
Checking 2/1/10 [Allocation] Health Insurance 200.00
Checking 2/1/10 [Allocation] 200.00
Checking 3/1/10 [Allocation] Health Insurance 200.00
Checking 3/1/10 [Allocation] 200.00
Checking 3/15/10 ABC Insurance 600.00

Tracking the Balance of Savings and Expense Funds

If you choose to keep allocated funds within your spending account, you may want to keep
track of how much in your spending account is free to be used for other purposes and how
much has been allocated to future expenses. There are a couple methods for doing that:

Method 1: Define a Virtual Sub-Account in the Accounts worksheet

Using this method, you record entries in the Transactions worksheet just as you would if you
were transferring real money between accounts. Your bank statement will not show these
transactions because you are only listing them in your own spreadsheet. When you reconcile
with your bank statements, remember to add the balances for the sub-accounts to the balance
of the main account.

Method 2: Use a Separate Worksheet to Track Savings and Expense Funds

You can use the Goals worksheet to track any fund balance that you want to. You will need to
update the Goals worksheet in addition to recording the allocations in the Transactions
worksheet. The Goals worksheet is only for tracking the balance and is not linked to your
other budget worksheets.

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.

Step 4-5: Check Formulas

If you do any type of customization, you should check that formulas in the spreadsheet are
still referring to the correct cells.

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.

Using the Goals Worksheet

If you want to track separate short-term and long-term savings goals, you can use the Goals
worksheet.

Worksheet Protection
 Some worksheets are protected to prevent accidental editing of cells and rows that are not
meant to be edited. If you want to attempt to customize the spreadsheet, you can turn off
worksheet protection via Review > Unprotect Sheet.
 YEARLY BUDGET To Print: Hide this column first

HELP © 2010-2019 Vertex42 LLC See the Help worksheet for instructions.

Starting Balance [2] 0 [42] Total Average Additional Templates

Total Income 0 0 0 0 0 0 0 0 0 0 0 0 0 0 ► Budget Templates
Total Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 ► Home & Family Templates
NET (Income - Expenses) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 ► Spreadsheet Templates
Projected End Balance [3] 0 0 0 0 0 0 0 0 0 0 0 0

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total Average Note: The start month is based on "Year Beginning" in the Report worksheet

INCOME CATEGORIES IMPORTANT:

Dividends 0 0 Do not insert or delete rows. If you need to add more categories,
Financial Aid 0 0 unhide the hidden rows, or consider using the original version of
Gifts Received 0 0 the money management template.
Interest Income 0 0
Other Income 0 0
Refunds/Reimbursements 0 0
Rental Income 0 0
Wages & Tips 0 0
0 0
0 0
Total Income 0 0 0 0 0 0 0 0 0 0 0 0 0 0

[42]

EXPENSE CATEGORIES
Alimony 0 0
Car Insurance 0 0
Car Payment 0 0
Car Repair / Licenses 0 0
Car Replacement Fund 0 0
Charity 0 0
Child Care 0 0
Cleaning 0 0
Clothing 0 0
Debt 0 0
Dining 0 0
Discretionary 0 0
Doctor / Dentist 0 0
Education 0 0
Emergency Fund 0 0
Fuel 0 0
Fun / Entertainment 0 0
Furniture / Appliances 0 0
Gifts Given 0 0
Groceries 0 0
Health Insurance 0 0
Home Insurance 0 0
Home Supplies 0 0
Interest Expense 0 0
Life Insurance 0 0
Medicine 0 0
Miscellaneous 0 0
Mortgage / Rent 0 0
Other Savings 0 0
Other_1 0 0
Other_2 0 0
Other_3 0 0
Other_4 0 0
Other_5 0 0
Personal Supplies 0 0
Retirement Fund 0 0
Subscriptions/Dues 0 0
Taxes 0 0
Util. Electricity 0 0
Util. Gas 0 0
Util. Phone(s) 0 0
Util. TV / Internet 0 0
Util. Water 0 0
0 0
0 0
0 0
0 0
0 0
0 0
0 0
Total Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0

NON-BUDGET CATEGORIES
[Transfer]
[Beginning Balance]
[Carryover Balance]
 ACCOUNT LIST To Print: Hide this column first

HELP © 2010-2019 Vertex42 LLC See the Help worksheet for instructions.

You can track any number of real or virtual accounts. These accounts will show up in the
Accounts column in the Transactions worksheet.
[42]

ACCOUNTS Goal [4] % [5] Cleared Balance

Checking 2,000.00 95.8% 1,759.80 1,916.51 TIP: If you start each account name with a different letter, the autocomplete
Savings 5,000.00 50.9% 2,345.00 2,545.00 feature will make entering the account much faster for you in the Transactions worksheet.
CrCard1 n/a -256.00 -443.34
CrCard2 n/a 0.00 0.00
n/a 0.00 0.00
n/a 0.00 0.00
n/a 0.00 0.00
n/a 0.00 0.00
n/a 0.00 0.00
n/a 0.00 0.00
n/a 0.00 0.00
n/a 0.00 0.00
n/a 0.00 0.00 ◄ To add accounts, insert new rows below this one then copy formulas down.

Total: 4,018.17
TRANSACTIONS
HELP To get started, clear the sample data in columns A-J
[42]

PAYMENT DEPOSIT Account Cleared

Account [6] Date [7] Num [8] Payee Memo Tag [9] Category Clr [10] Balance Balance BALANCE [15]
[11] [12]
[13] [14]
Checking 1/01/18 [Beginning Balance] [Beginning Balance] R ( 875.00) ( 875.00) ( 875.00) ( 875.00)
Savings 1/01/18 [Beginning Balance] [Beginning Balance] R ( 2,345.00) ( 2,345.00) ( 2,345.00) ( 3,220.00)
CrCard1 1/01/18 [Beginning Balance] [Beginning Balance] R ( 256.00) ( (256.00) ( (256.00) ( 2,964.00)
Checking 1/01/18 DEP Direct Deposit from Employer Wages & Tips x ( 1,000.00) ( 1,875.00) ( 1,875.00) ( 3,964.00)
Checking 1/10/18 2032 Car Payment Car Payment c ( 115.20) ( 1,759.80) ( 1,759.80) ( 3,848.80)
CrCard1 1/15/18 Joe's Food Mart Groceries ( 87.34) ( (343.34) ( (256.00) ( 3,761.46)
CrCard1 1/18/18 Fuel Fuel ( 100.00) ( (443.34) ( (256.00) ( 3,661.46)
Checking 2/05/18 DEP Direct Deposit from Employer Wages & Tips ( 1,000.00) ( 2,759.80) ( 1,759.80) ( 4,661.46)
Checking 2/10/18 2033 Target Split Clothing ( 23.10) ( 2,736.70) ( 1,759.80) ( 4,638.36)
Checking 2/10/18 2033 Target Split Groceries ( 45.15) ( 2,691.55) ( 1,759.80) ( 4,593.21)
Checking 2/10/18 2033 Target Split Personal Supplies ( 25.04) ( 2,666.51) ( 1,759.80) ( 4,568.17)
Savings 2/15/18 TXFR [From Checking] [Transfer] ( 200.00) ( 2,545.00) ( 2,345.00) ( 4,768.17)
Checking 2/15/18 TXFR [To Savings] Split Emergency Fund ( 100.00) ( 2,566.51) ( 1,759.80) ( 4,668.17)
Checking 2/15/18 TXFR [To Savings] Split Retirement Fund ( 50.00) ( 2,516.51) ( 1,759.80) ( 4,618.17)
Checking 1/01/18 [Allocation] Health Insurance ( 200.00) ( 2,316.51) ( 1,759.80) ( 4,418.17)
Checking 1/01/18 [Allocation] ( 200.00) ( 2,516.51) ( 1,759.80) ( 4,618.17)
Checking 2/01/18 [Allocation] Health Insurance ( 200.00) ( 2,316.51) ( 1,759.80) ( 4,418.17)
Checking 2/01/18 [Allocation] ( 200.00) ( 2,516.51) ( 1,759.80) ( 4,618.17)
Checking 3/01/18 [Allocation] Health Insurance ( 200.00) ( 2,316.51) ( 1,759.80) ( 4,418.17)
Checking 3/01/18 [Allocation] ( 200.00) ( 2,516.51) ( 1,759.80) ( 4,618.17)
Checking 3/15/18 ABC Insurance ( 600.00) ( 1,916.51) ( 1,759.80) ( 4,018.17)
( -  ) ( -  ) ( 4,018.17)
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TRANSACTIONS
HELP To get started, clear the sample data in columns A-J
[42]

PAYMENT DEPOSIT Account Cleared

Account [6] Date [7] Num [8] Payee Memo Tag [9] Category Clr [10] Balance Balance BALANCE [15]
[11] [12]
[13] [14]
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 MONTHLY BUDGET REPORT To Print: Hide this column first

HELP © 2010-2019 Vertex42 LLC See the Help worksheet for more instructions.

Year Begins: [16] 1/1/2018 Begin: 1/1/18 Year-To-Date: No FALSE Instructions

Month: [17] 1 End: 1/31/18 This worksheet creates a report using the data from
the Budget and Transactions worksheet.
BUDGET SUMMARY [42]

Budget Actual Difference 1. In the Year Begins field, enter the date of the first day
Total Income (0.00) (1,000.00) (1,000.00) of the month corresponding to the first month in the
Total Expenses (0.00) (502.54) (502.54) Budget worksheet. If your financial year starts in July,
NET (0.00) (497.46) (497.46) you would enter 7/1/2018.

2. Use the Month field to display the budget report for a

specific month. If your financial year starts in July, month 2
would be August.

3. Select "Yes" from the Year-To-Date drop-down box

to see the Year-To-Date Budget Report.

INCOME Budget Actual Difference

Dividends ( -  ) ( -  ) ( -  )
Financial Aid ( -  ) ( -  ) ( -  )
Gifts Received ( -  ) ( -  ) ( -  )
Interest Income ( -  ) ( -  ) ( -  )
Other Income ( -  ) ( -  ) ( -  )
Refunds/Reimbursements ( -  ) ( -  ) ( -  )
Rental Income ( -  ) ( -  ) ( -  )
Wages & Tips ( -  ) ( 1,000.00) ( 1,000.00)
- ( -  ) ( -  ) ( -  )
- ( -  ) ( -  ) ( -  )
Total INCOME ( -  ) ( 1,000.00) ( 1,000.00)

EXPENSES Budget Actual Difference

Alimony ( -  ) ( -  ) ( -  )
Car Insurance ( -  ) ( -  ) ( -  )
Car Payment ( -  ) ( 115.20) ( (115.20)
Car Repair / Licenses ( -  ) ( -  ) ( -  )
Car Replacement Fund ( -  ) ( -  ) ( -  )
Charity ( -  ) ( -  ) ( -  )
Child Care ( -  ) ( -  ) ( -  )
Cleaning ( -  ) ( -  ) ( -  )
Clothing ( -  ) ( -  ) ( -  )
Debt ( -  ) ( -  ) ( -  )
Dining ( -  ) ( -  ) ( -  )
Discretionary ( -  ) ( -  ) ( -  )
Doctor / Dentist ( -  ) ( -  ) ( -  )
Education ( -  ) ( -  ) ( -  )
Emergency Fund ( -  ) ( -  ) ( -  )
Fuel ( -  ) ( 100.00) ( (100.00)
Fun / Entertainment ( -  ) ( -  ) ( -  )
Furniture / Appliances ( -  ) ( -  ) ( -  )
Gifts Given ( -  ) ( -  ) ( -  )
Groceries ( -  ) ( 87.34) ( (87.34)
Health Insurance ( -  ) ( 200.00) ( (200.00)
Home Insurance ( -  ) ( -  ) ( -  )
Home Supplies ( -  ) ( -  ) ( -  )
Interest Expense ( -  ) ( -  ) ( -  )
Life Insurance ( -  ) ( -  ) ( -  )
Medicine ( -  ) ( -  ) ( -  )
Miscellaneous ( -  ) ( -  ) ( -  )
Mortgage / Rent ( -  ) ( -  ) ( -  )
Other Savings ( -  ) ( -  ) ( -  )
Other_1 ( -  ) ( -  ) ( -  )
Other_2 ( -  ) ( -  ) ( -  )
Other_3 ( -  ) ( -  ) ( -  )
Other_4 ( -  ) ( -  ) ( -  )
Other_5 ( -  ) ( -  ) ( -  )
Personal Supplies ( -  ) ( -  ) ( -  )
Retirement Fund ( -  ) ( -  ) ( -  )
Subscriptions/Dues ( -  ) ( -  ) ( -  )
Taxes ( -  ) ( -  ) ( -  )
Util. Electricity ( -  ) ( -  ) ( -  )
Util. Gas ( -  ) ( -  ) ( -  )
Util. Phone(s) ( -  ) ( -  ) ( -  )
Util. TV / Internet ( -  ) ( -  ) ( -  )
Util. Water ( -  ) ( -  ) ( -  )
- ( -  ) ( -  ) ( -  )
- ( -  ) ( -  ) ( -  )
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- ( -  ) ( -  ) ( -  )
- ( -  ) ( -  ) ( -  )
Total Expenses ( -  ) ( 502.54) ( (502.54)
 YEARLY INCOME & EXPENSE REPORT Instructions
HELP Start Year 2020 Start Month 1 © 2010-2019 Vertex42 LLC ◄ Update the starting Year and Month

Starting Balance [18] 3,000 [42] Total Average ◄ Update the Starting Balance
Total Income 7,500 0 0 0 0 0 0 0 0 0 0 0 7,500 625
Total Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 This worksheet creates an income and expense
NET (Income - Expenses) 7,500 0 0 0 0 400 0 0 0 0 0 0 7,900 658 report from the data in the Transactions worksheet.
End Balance [19] 10,500 10,500 10,500 10,500 10,500 10,900 10,900 10,900 10,900 10,900 10,900 10,900
[42]

To Print: Hide this column first

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
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 29-Feb 31-Mar 30-Apr 31-May 30-Jun 31-Jul 31-Aug 30-Sep 31-Oct 30-Nov 31-Dec

INCOME Total Average

Dividends - - - - - - - - - - - - - -
Financial Aid - - - - - - - - - - - - - -
Gifts Received - - - - - - - - - - - - - -
Interest Income - - - - - - - - - - - - - -
Other Income - - - - - - - - - - - - - -
Refunds/Reimbursements - - - - - - - - - - - - - -
Rental Income - - - - - - - - - - - - - -
Wages & Tips - - - - - - - - - - - - - -
- - - - - - - - - - - - - - -
- - - - - - - - - - - - - - -
Total Income 0 0 0 0 0 0 0 0 0 0 0 0 0 0

EXPENSES Total Average

Alimony - - - - - - - - - - - - - -
Car Insurance - - - - - - - - - - - - - -
Car Payment - - - - - - - - - - - - - -
Car Repair / Licenses - - - - - - - - - - - - - -
Car Replacement Fund - - - - - - - - - - - - - -
Charity - - - - - - - - - - - - - -
Child Care - - - - - - - - - - - - - -
Cleaning - - - - - - - - - - - - - -
Clothing - - - - - - - - - - - - - -
Debt - - - - - - - - - - - - - -
Dining - - - - - - - - - - - - - -
Discretionary - - - - - - - - - - - - - -
Doctor / Dentist - - - - - - - - - - - - - -
Education - - - - - - - - - - - - - -
Emergency Fund - - - - - - - - - - - - - -
Fuel - - - - - - - - - - - - - -
Fun / Entertainment - - - - - - - - - - - - - -
Furniture / Appliances - - - - - - - - - - - - - -
Gifts Given - - - - - - - - - - - - - -
Groceries - - - - - - - - - - - - - -
Health Insurance - - - - - - - - - - - - - -
Home Insurance - - - - - - - - - - - - - -
Home Supplies - - - - - - - - - - - - - -
Interest Expense - - - - - - - - - - - - - -
Life Insurance - - - - - - - - - - - - - -
Medicine - - - - - - - - - - - - - -
Miscellaneous - - - - - - - - - - - - - -
Mortgage / Rent - - - - - - - - - - - - - -
Other Savings - - - - - - - - - - - - - -
Other_1 - - - - - - - - - - - - - -
Other_2 - - - - - - - - - - - - - -
Other_3 - - - - - - - - - - - - - -
Other_4 - - - - - - - - - - - - - -
Other_5 - - - - - - - - - - - - - -
Personal Supplies - - - - - - - - - - - - - -
Retirement Fund - - - - - - - - - - - - - -
Subscriptions/Dues - - - - - - - - - - - - - -
Taxes - - - - - - - - - - - - - -
Util. Electricity - - - - - - - - - - - - - -
Util. Gas - - - - - - - - - - - - - -
Util. Phone(s) - - - - - - - - - - - - - -
Util. TV / Internet - - - - - - - - - - - - - -
Util. Water - - - - - - - - - - - - - -
- - - - - - - - - - - - - - -
- - - - - - - - - - - - - - -
- - - - - - - - - - - - - - -
- - - - - - - - - - - - - - -
- - - - - - - - - - - - - - -
- - - - - - - - - - - - - - -
- - - - - - - - - - - - - - -
Total Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0
WEEKLY BUDGET REPORT To Print: Hide this column first

See the Help worksheet for more instructions.

Week Begins [20] 1/1/2018 Begin: 1/1/18 Instructions

Weekly or Biweekly [21] Biweekly End: 1/14/18 This worksheet lets you define a weekly budget and
compares your Budget and Actual based on the Begin
and End dates shown in the header.
BUDGET SUMMARY
Budget Actual Difference 1. Define a Weekly Budget by entering your budget
Total Income (1,000.00) (1,000.00) (0.00) amounts in column B. You can define either a weekly
Total Expenses (1,000.00) (315.20) (684.80) budget OR a biweekly budget.
NET (0.00) (684.80) (684.80)
2.Update the Week Begins value to compare your budget
to your actual income and expenses a specific date range.

Note: The "Weekly or Biweekly" option only changes the

Begin and End dates in the header, and therefore affects
only the amounts in the Actual column. If you define your
Budget amounts based on Weekly, changing to Biweekly
won't automatically change your Budget amounts.

INCOME Budget Actual Difference

Dividends - ( -  ) - ( -  )
Financial Aid - ( -  ) - ( -  )
Gifts Received - ( -  ) - ( -  )
Interest Income - ( -  ) - ( -  )
Other Income - ( -  ) - ( -  )
Refunds/Reimbursements - ( -  ) - ( -  )
Rental Income - ( -  ) - ( -  )
Wages & Tips 1,000 100.0% ( 1,000.00) 100.0% ( -  )
- - ( -  ) - ( -  )
Total INCOME ( 1,000.00) ( 1,000.00) ( -  )

EXPENSES Budget Actual Difference

Alimony - ( -  ) - ( -  )
Car Insurance 500 50.0% ( -  ) - ( 500.00)
Car Payment 300 30.0% ( 115.20) 36.5% ( 184.80)
Car Repair / Licenses 200 20.0% ( -  ) - ( 200.00)
Car Replacement Fund - ( -  ) - ( -  )
Charity - ( -  ) - ( -  )
Child Care - ( -  ) - ( -  )
Cleaning - ( -  ) - ( -  )
Clothing - ( -  ) - ( -  )
Debt - ( -  ) - ( -  )
Dining - ( -  ) - ( -  )
Discretionary - ( -  ) - ( -  )
Doctor / Dentist - ( -  ) - ( -  )
Education - ( -  ) - ( -  )
Emergency Fund - ( -  ) - ( -  )
Fuel - ( -  ) - ( -  )
Fun / Entertainment - ( -  ) - ( -  )
Furniture / Appliances - ( -  ) - ( -  )
Gifts Given - ( -  ) - ( -  )
Groceries - ( -  ) - ( -  )
Health Insurance - ( 200.00) 63.5% ( (200.00)
Home Insurance - ( -  ) - ( -  )
Home Supplies - ( -  ) - ( -  )
Interest Expense - ( -  ) - ( -  )
Life Insurance - ( -  ) - ( -  )
Medicine - ( -  ) - ( -  )
Miscellaneous - ( -  ) - ( -  )
Mortgage / Rent - ( -  ) - ( -  )
Other Savings - ( -  ) - ( -  )
Other_1 - ( -  ) - ( -  )
Other_2 - ( -  ) - ( -  )
Other_3 - ( -  ) - ( -  )
Other_4 - ( -  ) - ( -  )
Other_5 - ( -  ) - ( -  )
Personal Supplies - ( -  ) - ( -  )
Retirement Fund - ( -  ) - ( -  )
Subscriptions/Dues - ( -  ) - ( -  )
Taxes - ( -  ) - ( -  )
Util. Electricity - ( -  ) - ( -  )
Util. Gas - ( -  ) - ( -  )
Util. Phone(s) - ( -  ) - ( -  )
Util. TV / Internet - ( -  ) - ( -  )
Util. Water - ( -  ) - ( -  )
- - ( -  ) - ( -  )
- - ( -  ) - ( -  )
- - ( -  ) - ( -  )
- - ( -  ) - ( -  )
- - ( -  ) - ( -  )
- - ( -  ) - ( -  )
Total Expenses ( 1,000.00) ( 315.20) ( 684.80)
 IMPORTANT: This worksheet is completely separate from
SAVINGS GOALS the other worksheets.
HELP © 2010-2019 Vertex42 LLC
This worksheet is based on the Account Register Template
Fund Location [22] Goal [23] % [24] Balance by Vertex42 and gives you a way to track the balance of
Car Fund Savings 8,000.00 15.6% 1,250.00 various savings and expense funds as though you had
Vacation Checking 1,500.00 33.3% 500.00 actual accounts for each of your different goals. This worksheet
College Savings 0.0% 0.00 is not linked to any of the other worksheets in this workbook.
Tax Fund Checking 0.0% 0.00
Fun Fund Checking 0.0% 0.00 Learn more: Account Register Template >
0.0% 0.00
0.0% 0.00
[42]
0.0% 0.00 Instructions
0.0% 0.00 Edit the list of Funds and set Goals
0.0% 0.00
Insert more rows above this one and then copy formulas down. ◄ Insert new rows above this one, and copy formulas down.
Total Balance: 1,750.00

Fund Total
Fund Date Num [25]Description Memo Payment Deposit BALANCE
Balance [26]
[27]
Car Fund 1/01/18 [ Balance as of 1/1/18 ] 1,250.00 1,250.00 1,250.00 ◄ Clear the sample data in columns A-G
Vacation 1/01/18 [ Balance as of 1/1/18 ] 500.00 500.00 1,750.00
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Money Management Template

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

© 2010-2019 Vertex42 LLC

This spreadsheet, including all worksheets and associated content is

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.

License Agreement
https://www.vertex42.com/licensing/EULA_privateuse.html

Do not delete this worksheet

[1] This is an example note.

[2] Starting Balance:

The starting balance is the amount you have in your spending accounts minus the balance(s) you owe in
your credit accounts. The starting balance gives the Projected End Balance something to start with.

[3] Projected End Balance:

This is calculated by adding the NET to the previous End Balance. You should try to maintain a cushion in
your spending accounts. If your Projected End Balance drops close to or below zero, you should adjust
your budget and plan a way to stay ahead.

[4] Goals:
You can enter an amount here if you want to track a savings goal or indicate the amount you want to have
as reserve in a checking account.

[5] Goal % Complete:

Tells you how close you are to your goal for each category.

[6] Enter the name for the account. Be accurate and consistent, or the Account Balance and Cleared
Balance will be incorrect.

[7] To quickly enter the current date, press CTRL+;

[8] Check number, DEP for "Deposit", TXFR for "Transfer", etc. This column is for your information only.
Nothing in the workbook refers to it.

[9] You can use this column to add your own unique tags as needed. Tags would allow you to filter or
search for specific expenses that might cross over multiple categories, such as a #CAR1 or #CAR2 tag for
tracking expenses associated with a specific vehicle.

[10] This column and the Cleared Balance column are for verifying your transactions with your bank
statements. To indicate that a transaction has been cleared, enter any non-blank character in this cell.

[11] Money LEAVING the account.

[12] Money ENTERING the account.

[13] Sum of DEPOSIT minus PAYMENT for the specified account

[14] Cleared balance for the specified account (where the Clr column is not blank).

[15] Overall Balance: Sum of DEPOSIT minus PAYMENT for ALL transactions.

[16] Enter the date of the first day of the month corresponding to the first month in the Budget worksheet.

[17] Month 1 would be the first month in the Budget worksheet.

[18] Starting Balance:

To help track your cash flow, you can enter a starting balance that represents the total you have in your
spending accounts minus the amounts you owe in your credit accounts at the start of the year.

[19] End Balance:

This is calculated by adding the NET (Income - Expenses) to the previous End Balance.
[20] Enter the date of the first day of the week that you want to show in the report.

[21] Month 1 would be the first month in the Budget worksheet.

[22] Location of Funds:

Use this field to remember where the real money for the fund is held. For example, you might keep vacation
and fun money within your checking account. You might keep longer-term funds like car replacement and
college inside a savings account.

[23] Savings Goal:

You can enter an amount here if you want to track a savings goal.

[24] Goal % Complete:

Tells you how close you are to your goal for each category.

[25] Num (optional):

Check number, DEP for "Deposit", TXFR for "Transfer", etc. This column is just for including extra
information about the transaction.

[26] Fund Balance:

This column provides a running total for the fund listed in column A. It is not based on date.

[27] Total Balance:

This column provides a running total for the entire register (sum of deposits minus sum of payments). It is
not based on date.