Sheet 1: Introduction

	
	
	
	
	

		
SIMPLE Saving, Income and Expense Plan (Budget LT4C)
		
	

		


		


		


		
18-Sep-18
		


		


		


		


	
	

		
Personal Finance: Another Perspective
		
	

		


		


		


		


		


		


		


		


	
	

		
Purpose:
		


		


		


		


		


		


		


	
	

		
The purpose of this spreadsheet is to give an Excel template for calculating a simple
		


		


		


		


		


		


		


	
	

		
saving, income and expense plan for 3 months (Budget). They are not meant to replace
		


		


		


		


		


		


		


	
	

		
good money management software such as Mint or Quicken, but may be helpful as you begin.
		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


	
	

		
Saving, Income and Expense Plans
		


		


		


		


		


		


		


	
	

		
To begin, go to Month 1 and put in your name in cell "K1", the year in cell "K2", and the
		


		


		


		


		


		


		


	
	

		
month in cell "K3."  You will need to put the month and year in Month 2 and Month 3.
		


		


		


		


		


		


		


	
	

		
Insert budget amounts in the green cells in column "D", and insert actual spending in columns
		


		


		


		


		


		


		


	
	

		
"J" to "U."  The blue cells are where the calculations are automatic.
		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


	
	

		
Disclosure:
		


		


		


		


		


		


		


	
	

		
The purpose of this spreadsheet and this class is to help you get your financial house in
		


		


		


		


		


		


		


	
	

		
order and to help you on your road to financial self-reliance.  If there are mistakes in this 
		


		


		


		


		


		


		


	
	

		
spreadsheet, please bring them to our attention and we will correct them in upcoming 
		


		


		


		


		


		


		


	
	

		
versions.  The teacher, and BYU, specifically disclaim any liability, or responsibility for 
		


		


		


		


		


		


		


	
	

		
claims, loss, or risk incurred, directly or indirectly, from using this material.
		


		


		


		


		


		


		


	



Sheet 2: Month 1

	
	
	
	
	
	
	
	
	
	
	

		


		


		


		


		


		


		


		


		


		
Name:
		
Anne and Bryan Sudweeks
		


		


		


		


		


		


		


		


		


		


		


		
Year
		
MonthNum
		
Month
		


		


		
Date
	
	

		


		
Anne and Bryan Sudweeks
		


		


		
Year:
		
2019
		
Monthly?:
		
Yes
		


		


		


		


		


		


		


		


		


		
2017
		
1
		
January
		
1
		


		
1
	
	

		


		
Simple Monthly Saving, Income and Expense Plan (LT4C)
		


		


		
Month:
		
April
		
Date:
		
18
		


		


		


		


		


		


		


		


		


		
2018
		
2
		
February
		
2
		


		
2
	
	

		


		


		


		
For the month of  April, 2019
		


		


		
4/18/19
		


		


		
   Items are payments made on the specific row category, regardless of the day of the month
		


		
2019
		
3
		
March
		
3
		


		
3
	
	

		


		


		


		


		


		


		


		


		


		
Item  1
		
Item  2
		
Item  3
		
Item  4
		
Item  5
		
Item  6
		
Item  7
		
Item  8
		
Item  9
		
Item  10
		
Item  11
		
Item  12
		


		
2020
		
4
		
April
		
4
		


		
4
	
	

		


		


		


		
 Monthly 
		
 Income 
		
 Difference 
		
 Running 
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		
2020
		
5
		
May 
		
5
		


		
5
	
	

		


		
Description
		


		
 Budget 
		
 Statement 
		
 (+ is good) 
		
 Balance 
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		
6
		
June
		
6
		


		
6
	
	

		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		
7
		
July
		
7
		


		
7
	
	

		


		
Gross Income (U)
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		
8
		
August
		
8
		


		
8
	
	

		


		
Taxes
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		
Yes
		
9
		
September
		
9
		


		
9
	
	

		


		
Income less Taxes (S)
		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		
No
		
10
		
October
		
10
		


		
10
	
	

		


		
Pay the Lord
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		
11
		
November
		
11
		


		
11
	
	

		


		
Pay Yourself (Saving #1)
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		
12
		
December
		
12
		


		
12
	
	

		


		
Income for Living Expenses
		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		
13
	
	

		


		
Expenses - Fixed
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		
14
	
	

		


		
Fixed Long-term Debt Payments
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		
15
	
	

		


		
Mortgage
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		
16
	
	

		


		
Consumer/Auto Loan pmts
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		
17
	
	

		


		
Student Loan Pmt
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		
18
	
	

		


		
Long-term Debt Payments (T)
		


		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		
19
	
	

		


		
Fixed Other Expenses
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		
20
	
	

		


		
Rent
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		
21
	
	

		


		
Utilities
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		
22
	
	

		


		
Insurance: Auto, Renters
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		
23
	
	

		


		
Weekly Date
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		
24
	
	

		


		


		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		
25
	
	

		


		


		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		
26
	
	

		


		
Total Fixed
		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		
27
	
	

		


		
Expenses - Variable
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		
28
	
	

		


		
Food
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		
29
	
	

		


		
Eating Out
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		
30
	
	

		


		
Clothing
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		
31
	
	

		


		
Entertainment
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Gas
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Books and Fees
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Personal Money
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Miscellaneous
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Total Variable 
		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Living Expenses - Total (R) 
		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Saving #2 - Remaing Income
		


		
 -   
		
 -   
		


		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Saving #1
		


		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Savings - Total (Q)
		


		
 -   
		
 -   
		


		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Savings Percent
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Note:  Underlined items transfer to Balance Sheet (TT04B) to calculate your
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
6 financial ratios
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	



Sheet 3: Month 2

	
	
	
	
	
	
	
	
	
	
	

		


		


		


		


		


		


		


		


		


		
Name:
		
Anne and Bryan Sudweeks
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Anne and Bryan Sudweeks
		


		


		
Year
		
2019
		
Monthly:
		
Yes
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Simple Monthly Saving, Income and Expense Plan (LT4C)
		


		


		
Month
		
May 
		
Date:
		
18
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		


		


		
For the month of  May , 2019
		


		


		


		


		


		
   Items are payments made on the specific row category, regardless of the day of the month
		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		


		
Item  1
		
Item  2
		
Item  3
		
Item  4
		
Item  5
		
Item  6
		
Item  7
		
Item  8
		
Item  9
		
Item  10
		
Item  11
		
Item  12
		


		


		


		


		


		


		


	
	

		


		


		


		
 Monthly 
		
 Income 
		
 Difference 
		
 Running 
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Description
		


		
 Budget 
		
 Statement 
		
 (+ is good) 
		
 Balance 
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Gross Income (U)
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Taxes
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Income less Taxes (S)
		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Pay the Lord
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Pay Yourself (Saving #1)
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Income for Living Expenses
		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Expenses - Fixed
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Long-term Debt Payments
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Mortgage
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Consumer/Auto Loan pmts
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Student Loan Pmt
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Long-term Debt Payments (T)
		


		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Other Fixed Expenses
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Rent
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Utilities
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Insurance: Auto, Renters
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Weekly Date
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		


		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		


		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Total Fixed
		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Expenses - Variable
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Food
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Eating Out
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Clothing
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Entertainment
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Gas
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Books and Fees
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Personal Money
		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		


		


		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Total Variable 
		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Living Expenses - Total (R) 
		


		
 -   
		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Saving #2 - Remaing Income
		


		
 -   
		
 -   
		


		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Saving #1
		


		
 -   
		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Savings - Total (Q)
		


		
 -   
		
 -   
		


		
 -   
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Savings Percent
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
Note:  Underlined items transfer to Balance Sheet (TT04B) to calculate your
		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


		


	
	

		


		
6 financial ratios