Professional Documents
Culture Documents
Version: 1.2
Created with: iWork 08 Numbers, trial version and NeoOffice 2.2.2
Released: December 31, 2007
Credits: This spreadsheet was originally created by Kenny Drobnack (kennydrobnack@gmail.com)
About this spreadsheet:
This spreadsheet is a Zero Based budget based on the principles taught by Dave Ramsey
(http://www.daveramsey.com). All your income minus all your outgo (including bills, giving, saving for
emergencies and paying down your debt) should equal $0.
Using this spreadsheet:
On the left side of each months' worksheet is a place for your income. On the right is all your expenses that
you have to pay every month.
Underneath your income is a place for all the expenses you plan on paying with cash using the Envelope
System (put your cash in envelopes at the beginning of the month when it is gone, you are done spending).
Below the cash section is the Totals section. This shows you your income minus your expenses. Whatever is
left is what goes on the next Baby Step. Your income, minus your expenses, minus how much you spending
doing the baby steps will equal $0 if your budget is in balance.
The 7 Baby Steps are:
1. Save $1,000 beginning Baby Emergency Fund in the bank.
2. Pay off all your credit card debt except the house.
3. Save up 3 6 months of living expenses fully funded emergency fund.
4. Put aside 15% of your income per month for retirement.
5. Fund your childrens' college funds (this one won't apply to everyone).
6. Pay off your house early by paying extra on your house payment.
7. Build wealth and give it away!
Please feel free to write to me if you find this spreadsheet useful or have any suggestions for improvements.
TIPS:
Print out your budget, after you create it at the beginning of the month on one side of a page. At the end of
the month, see how you did by filling in the Actual values and print the results on the other side.
The Debt categories in the Expenses table are for minimum payments. The Debts in the Totals table is for
Baby Step #2 - pay off all non-mortgage debt as fast as possible, smallest balance first.
The space between the cash & the expenses tables is so you can write down how much cash you actually put
in your cash envelopes so far. No need to load up for the whole month all at once!
This document was made with printing to US Letter size paper in landscape view in mind. To print to other
sizes try:
Custom paper sizes, if your printer driver supports them.
Moving stuff around.
Making good uses of the Table -> Resize (Rows or Columns) to Fit Content menu options.
in your cash envelopes so far. No need to load up for the whole month all at once!
This document was made with printing to US Letter size paper in landscape view in mind. To print to other
sizes try:
Custom paper sizes, if your printer driver supports them.
Moving stuff around.
Making good uses of the Table -> Resize (Rows or Columns) to Fit Content menu options.
Release History:
Third release (1.2): December 31, 2007
* First bug report Shelly Emblad from financialsoft.about.com discovered that with named cells in the
NeoOffice/Excel version of the spreadsheet, all totals were reflecting the January totals. Fixed this
issue.
*Made difference column in Expenses show up in red if actual expenses were more than planned.
Second release (1.1): November 3, 2007
Changes (NeoOffice/Excel version):
* Exported Numbers version to Excel and edited it most of the improvements didn't carry over, like the
headings. NeoOffice just uses the sheet names for the headings.
* Used name-based cells where it made sense.
Changes (Numbers version):
* Went back to iWork 08 Numbers and cleaned up formatting for that.
* Removed hard-coded year everywhere except the Cashflow overview sheet. Change the year there
and it will be reflected on all the other sheets.
* The text Cashflow Plan on the January sheet is used in all the other monthly sheets. For example,
change Cashflow Plan to Bobs Bling there and February will say Bobs Bling February 2007. So will
March - December.
* Switched to Name-based fields instead of cell numbers everywhere. This will allow adding more rows
(additional income sources and expense categories) without breaking things.
First public release (which Ill call 1.0): September 2, 2007
TODO LIST:
Im not sure these are possible, but Id like to do them.
Add new sheets to track progress on the Baby Steps and automatically fill in the amounts to allocate to
each step in the Totals table.
Make the Cash table on the left auto-generate based on the expenses with Cash or $ in their
names.
Make the Expenses sheet auto-generate. Im not sure if this should be the latest month, average
month, or all the data you have filled in so far.
My lame attempt at legalese:
Feel free to use, modify, and distribute this spreadsheet in any way you see fit as long as:
1. You still credit me with creating the original.
2. You retain the notice that this is based on Dave Ramsey's Zero Based budget and list the 7 baby steps
3. You may not sell this spreadsheet or anything containing this spreadsheet without first getting my
permission.
4. If you want to give this spreadsheet away, you're free to do so along as whoever you are giving it to
has the same rights and restrictions you did.
Feel free to use, modify, and distribute this spreadsheet in any way you see fit as long as:
1. You still credit me with creating the original.
2. You retain the notice that this is based on Dave Ramsey's Zero Based budget and list the 7 baby steps
3. You may not sell this spreadsheet or anything containing this spreadsheet without first getting my
permission.
4. If you want to give this spreadsheet away, you're free to do so along as whoever you are giving it to
has the same rights and restrictions you did.
Yearly Cash-flow
Overview
2008
Planned income
January
$0.00
Planned
exp.
$0.00
Planned dif
Actual income
Actual exp
Actual Dif
$0.00
$0.00
$0.00
$0.00
Februrary
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
March
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
April
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
May
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
June
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
July
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
August
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
September
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
October
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
November
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
December
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Total
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Income
Planned
Actual
Dif
Salary #1
KES 0.00
KES 0.00
KES 0.00
Salary #2
KES 0.00
KES 0.00
Other Income
KES 0.00
KES 0.00
Total
Planned
Actual
Dif
Bill Electric
KES 0.00
KES 0.00
KES 0.00
KES 0.00
Bill Gas
KES 0.00
KES 0.00
KES 0.00
KES 0.00
Bill Internet
KES 0.00
KES 0.00
KES 0.00
KES 0.00
KES 0.00
KES 0.00
Bill Phone
KES 0.00
KES 0.00
KES 0.00
Amount
Bill Water
KES 0.00
KES 0.00
KES 0.00
Clothes
KES 0.00
Car fees
KES 0.00
KES 0.00
KES 0.00
Gas
KES 0.00
KES 0.00
KES 0.00
KES 0.00
Groceries
KES 0.00
Car insurance
KES 0.00
KES 0.00
KES 0.00
Household
KES 0.00
Car repairs
KES 0.00
KES 0.00
KES 0.00
Misc
KES 0.00
Clothes (Cash)
KES 0.00
KES 0.00
KES 0.00
Spending
KES 0.00
KES 0.00
KES 0.00
KES 0.00
Total Cash
KES 0.00
KES 0.00
KES 0.00
KES 0.00
KES 0.00
KES 0.00
KES 0.00
Category
Totals
Expenses
Planned
Actual
Dif
Groceries (Cash)
KES 0.00
KES 0.00
KES 0.00
Income
KES 0.00
KES 0.00
KES 0.00
Household (Cash)
KES 0.00
KES 0.00
KES 0.00
Expenses
KES 0.00
KES 0.00
KES 0.00
House Mortgage
KES 0.00
KES 0.00
KES 0.00
Inc - Exp
KES 0.00
KES 0.00
KES 0.00
KES 0.00
KES 0.00
KES 0.00
Savings
KES 0.00
KES 0.00
KES 0.00
Misc (Cash)
KES 0.00
KES 0.00
KES 0.00
Credit card
#1
Credit card
#2
Student loan
KES 0.00
KES 0.00
KES 0.00
Necessities
KES 0.00
KES 0.00
KES 0.00
KES 0.00
KES 0.00
KES 0.00
Pets
KES 0.00
KES 0.00
KES 0.00
KES 0.00
KES 0.00
KES 0.00
Spending (Cash)
KES 0.00
KES 0.00
KES 0.00
Whats left
Tithe
KES 0.00
KES 0.00
KES 0.00
Total
KES 0.00
KES 0.00
KES 0.00
Income
Actual
Dif
Salary #1
Planne
d
$0.00
$0.00
$0.00
Salary #2
$0.00
$0.00
Other Income
$0.00
Total
$0.00
Category
Planned
Actual
Dif
Bill Electric
$0.00
$0.00
$0.00
$0.00
Bill Gas
$0.00
$0.00
$0.00
$0.00
$0.00
Bill Internet
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Bill Phone
$0.00
$0.00
$0.00
Bill Water
$0.00
$0.00
$0.00
Amount
Expenses
Clothes
$0.00
Car fees
$0.00
$0.00
$0.00
Gas
$0.00
$0.00
$0.00
$0.00
Groceries
$0.00
Car insurance
$0.00
$0.00
$0.00
Household
$0.00
Car repairs
$0.00
$0.00
$0.00
Misc
$0.00
Clothes (Cash)
$0.00
$0.00
$0.00
Spending
$0.00
$0.00
$0.00
$0.00
Total Cash
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Totals
Planne
d
$0.00
Actual
Dif
Groceries (Cash)
$0.00
$0.00
$0.00
$0.00
$0.00
Household (Cash)
$0.00
$0.00
$0.00
Expenses
$0.00
$0.00
$0.00
House Mortgage
$0.00
$0.00
$0.00
Inc - Exp
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Savings
$0.00
$0.00
$0.00
Misc (Cash)
$0.00
$0.00
$0.00
Credit card
#1
Credit card
#2
Student loan
$0.00
$0.00
$0.00
Necessities
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Pets
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Spending (Cash)
$0.00
$0.00
$0.00
Whats left
$0.00
$0.00
$0.00
Tithe
$0.00
$0.00
$0.00
Total
$0.00
$0.00
$0.00
Income
Income
Actual
Dif
Salary #1
Planne
d
$0.00
$0.00
$0.00
Salary #2
$0.00
$0.00
Other Income
$0.00
Total
$0.00
Category
Planned
Actual
Dif
Bill Electric
$0.00
$0.00
$0.00
$0.00
Bill Gas
$0.00
$0.00
$0.00
$0.00
$0.00
Bill Internet
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Bill Phone
$0.00
$0.00
$0.00
Bill Water
$0.00
$0.00
$0.00
Amount
Expenses
Clothes
$0.00
Car fees
$0.00
$0.00
$0.00
Gas
$0.00
$0.00
$0.00
$0.00
Groceries
$0.00
Car insurance
$0.00
$0.00
$0.00
Household
$0.00
Car repairs
$0.00
$0.00
$0.00
Misc
$0.00
Clothes (Cash)
$0.00
$0.00
$0.00
Spending
$0.00
$0.00
$0.00
$0.00
Total Cash
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Totals
Planne
d
$0.00
Actual
Dif
Groceries (Cash)
$0.00
$0.00
$0.00
$0.00
$0.00
Household (Cash)
$0.00
$0.00
$0.00
Expenses
$0.00
$0.00
$0.00
House Mortgage
$0.00
$0.00
$0.00
Inc - Exp
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Savings
$0.00
$0.00
$0.00
Misc (Cash)
$0.00
$0.00
$0.00
Credit card
#1
Credit card
#2
Student loan
$0.00
$0.00
$0.00
Necessities
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Pets
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Spending (Cash)
$0.00
$0.00
$0.00
Whats left
$0.00
$0.00
$0.00
Tithe
$0.00
$0.00
$0.00
Total
$0.00
$0.00
$0.00
Income
Income
Actual
Dif
Salary #1
Planne
d
$0.00
$0.00
$0.00
Salary #2
$0.00
$0.00
Other Income
$0.00
Total
$0.00
Category
Planned
Actual
Dif
Bill Electric
$0.00
$0.00
$0.00
$0.00
Bill Gas
$0.00
$0.00
$0.00
$0.00
$0.00
Bill Internet
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Bill Phone
$0.00
$0.00
$0.00
Bill Water
$0.00
$0.00
$0.00
Amount
Expenses
Clothes
$0.00
Car fees
$0.00
$0.00
$0.00
Gas
$0.00
$0.00
$0.00
$0.00
Groceries
$0.00
Car insurance
$0.00
$0.00
$0.00
Household
$0.00
Car repairs
$0.00
$0.00
$0.00
Misc
$0.00
Clothes (Cash)
$0.00
$0.00
$0.00
Spending
$0.00
$0.00
$0.00
$0.00
Total Cash
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Totals
Planne
d
$0.00
Actual
Dif
Groceries (Cash)
$0.00
$0.00
$0.00
$0.00
$0.00
Household (Cash)
$0.00
$0.00
$0.00
Expenses
$0.00
$0.00
$0.00
House Mortgage
$0.00
$0.00
$0.00
Inc - Exp
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Savings
$0.00
$0.00
$0.00
Misc (Cash)
$0.00
$0.00
$0.00
Credit card
#1
Credit card
#2
Student loan
$0.00
$0.00
$0.00
Necessities
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Pets
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Spending (Cash)
$0.00
$0.00
$0.00
Whats left
$0.00
$0.00
$0.00
Tithe
$0.00
$0.00
$0.00
Total
$0.00
$0.00
$0.00
Income
Income
Actual
Dif
Salary #1
Planne
d
$0.00
$0.00
$0.00
Salary #2
$0.00
$0.00
Other Income
$0.00
Total
$0.00
Category
Planned
Actual
Dif
Bill Electric
$0.00
$0.00
$0.00
$0.00
Bill Gas
$0.00
$0.00
$0.00
$0.00
$0.00
Bill Internet
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Bill Phone
$0.00
$0.00
$0.00
Bill Water
$0.00
$0.00
$0.00
Amount
Expenses
Clothes
$0.00
Car fees
$0.00
$0.00
$0.00
Gas
$0.00
$0.00
$0.00
$0.00
Groceries
$0.00
Car insurance
$0.00
$0.00
$0.00
Household
$0.00
Car repairs
$0.00
$0.00
$0.00
Misc
$0.00
Clothes (Cash)
$0.00
$0.00
$0.00
Spending
$0.00
$0.00
$0.00
$0.00
Total Cash
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Totals
Planne
d
$0.00
Actual
Dif
Groceries (Cash)
$0.00
$0.00
$0.00
$0.00
$0.00
Household (Cash)
$0.00
$0.00
$0.00
Expenses
$0.00
$0.00
$0.00
House Mortgage
$0.00
$0.00
$0.00
Inc - Exp
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Savings
$0.00
$0.00
$0.00
Misc (Cash)
$0.00
$0.00
$0.00
Credit card
#1
Credit card
#2
Student loan
$0.00
$0.00
$0.00
Necessities
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Pets
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Spending (Cash)
$0.00
$0.00
$0.00
Whats left
$0.00
$0.00
$0.00
Tithe
$0.00
$0.00
$0.00
Total
$0.00
$0.00
$0.00
Income
Income
Actual
Dif
Salary #1
Planne
d
$0.00
$0.00
$0.00
Salary #2
$0.00
$0.00
Other Income
$0.00
Total
$0.00
Category
Planned
Actual
Dif
Bill Electric
$0.00
$0.00
$0.00
$0.00
Bill Gas
$0.00
$0.00
$0.00
$0.00
$0.00
Bill Internet
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Bill Phone
$0.00
$0.00
$0.00
Bill Water
$0.00
$0.00
$0.00
Amount
Expenses
Clothes
$0.00
Car fees
$0.00
$0.00
$0.00
Gas
$0.00
$0.00
$0.00
$0.00
Groceries
$0.00
Car insurance
$0.00
$0.00
$0.00
Household
$0.00
Car repairs
$0.00
$0.00
$0.00
Misc
$0.00
Clothes (Cash)
$0.00
$0.00
$0.00
Spending
$0.00
$0.00
$0.00
$0.00
Total Cash
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Totals
Planne
d
$0.00
Actual
Dif
Groceries (Cash)
$0.00
$0.00
$0.00
$0.00
$0.00
Household (Cash)
$0.00
$0.00
$0.00
Expenses
$0.00
$0.00
$0.00
House Mortgage
$0.00
$0.00
$0.00
Inc - Exp
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Savings
$0.00
$0.00
$0.00
Misc (Cash)
$0.00
$0.00
$0.00
Credit card
#1
Credit card
#2
Student loan
$0.00
$0.00
$0.00
Necessities
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Pets
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Spending (Cash)
$0.00
$0.00
$0.00
Whats left
$0.00
$0.00
$0.00
Tithe
$0.00
$0.00
$0.00
Total
$0.00
$0.00
$0.00
Income
Income
Actual
Dif
Salary #1
Planne
d
$0.00
$0.00
$0.00
Salary #2
$0.00
$0.00
Other Income
$0.00
Total
$0.00
Category
Planned
Actual
Dif
Bill Electric
$0.00
$0.00
$0.00
$0.00
Bill Gas
$0.00
$0.00
$0.00
$0.00
$0.00
Bill Internet
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Bill Phone
$0.00
$0.00
$0.00
Bill Water
$0.00
$0.00
$0.00
Amount
Expenses
Clothes
$0.00
Car fees
$0.00
$0.00
$0.00
Gas
$0.00
$0.00
$0.00
$0.00
Groceries
$0.00
Car insurance
$0.00
$0.00
$0.00
Household
$0.00
Car repairs
$0.00
$0.00
$0.00
Misc
$0.00
Clothes (Cash)
$0.00
$0.00
$0.00
Spending
$0.00
$0.00
$0.00
$0.00
Total Cash
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Totals
Planne
d
$0.00
Actual
Dif
Groceries (Cash)
$0.00
$0.00
$0.00
$0.00
$0.00
Household (Cash)
$0.00
$0.00
$0.00
Expenses
$0.00
$0.00
$0.00
House Mortgage
$0.00
$0.00
$0.00
Inc - Exp
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Savings
$0.00
$0.00
$0.00
Misc (Cash)
$0.00
$0.00
$0.00
Credit card
#1
Credit card
#2
Student loan
$0.00
$0.00
$0.00
Necessities
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Pets
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Spending (Cash)
$0.00
$0.00
$0.00
Whats left
$0.00
$0.00
$0.00
Tithe
$0.00
$0.00
$0.00
Total
$0.00
$0.00
$0.00
Income
Income
Actual
Dif
Salary #1
Planne
d
$0.00
$0.00
$0.00
Salary #2
$0.00
$0.00
Other Income
$0.00
Total
$0.00
Category
Planned
Actual
Dif
Bill Electric
$0.00
$0.00
$0.00
$0.00
Bill Gas
$0.00
$0.00
$0.00
$0.00
$0.00
Bill Internet
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Bill Phone
$0.00
$0.00
$0.00
Bill Water
$0.00
$0.00
$0.00
Amount
Expenses
Clothes
$0.00
Car fees
$0.00
$0.00
$0.00
Gas
$0.00
$0.00
$0.00
$0.00
Groceries
$0.00
Car insurance
$0.00
$0.00
$0.00
Household
$0.00
Car repairs
$0.00
$0.00
$0.00
Misc
$0.00
Clothes (Cash)
$0.00
$0.00
$0.00
Spending
$0.00
$0.00
$0.00
$0.00
Total Cash
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Totals
Planne
d
$0.00
Actual
Dif
Groceries (Cash)
$0.00
$0.00
$0.00
$0.00
$0.00
Household (Cash)
$0.00
$0.00
$0.00
Expenses
$0.00
$0.00
$0.00
House Mortgage
$0.00
$0.00
$0.00
Inc - Exp
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Savings
$0.00
$0.00
$0.00
Misc (Cash)
$0.00
$0.00
$0.00
Credit card
#1
Credit card
#2
Student loan
$0.00
$0.00
$0.00
Necessities
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Pets
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Spending (Cash)
$0.00
$0.00
$0.00
Whats left
$0.00
$0.00
$0.00
Tithe
$0.00
$0.00
$0.00
Total
$0.00
$0.00
$0.00
Income
Income
Actual
Dif
Salary #1
Planne
d
$0.00
$0.00
$0.00
Salary #2
$0.00
$0.00
Other Income
$0.00
Total
$0.00
Category
Planned
Actual
Dif
Bill Electric
$0.00
$0.00
$0.00
$0.00
Bill Gas
$0.00
$0.00
$0.00
$0.00
$0.00
Bill Internet
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Bill Phone
$0.00
$0.00
$0.00
Bill Water
$0.00
$0.00
$0.00
Amount
Expenses
Clothes
$0.00
Car fees
$0.00
$0.00
$0.00
Gas
$0.00
$0.00
$0.00
$0.00
Groceries
$0.00
Car insurance
$0.00
$0.00
$0.00
Household
$0.00
Car repairs
$0.00
$0.00
$0.00
Misc
$0.00
Clothes (Cash)
$0.00
$0.00
$0.00
Spending
$0.00
$0.00
$0.00
$0.00
Total Cash
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Totals
Planne
d
$0.00
Actual
Dif
Groceries (Cash)
$0.00
$0.00
$0.00
$0.00
$0.00
Household (Cash)
$0.00
$0.00
$0.00
Expenses
$0.00
$0.00
$0.00
House Mortgage
$0.00
$0.00
$0.00
Inc - Exp
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Savings
$0.00
$0.00
$0.00
Misc (Cash)
$0.00
$0.00
$0.00
Credit card
#1
Credit card
#2
Student loan
$0.00
$0.00
$0.00
Necessities
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Pets
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Spending (Cash)
$0.00
$0.00
$0.00
Whats left
$0.00
$0.00
$0.00
Tithe
$0.00
$0.00
$0.00
Total
$0.00
$0.00
$0.00
Income
Income
Actual
Dif
Salary #1
Planne
d
$0.00
$0.00
$0.00
Salary #2
$0.00
$0.00
Other Income
$0.00
Total
$0.00
Category
Planned
Actual
Dif
Bill Electric
$0.00
$0.00
$0.00
$0.00
Bill Gas
$0.00
$0.00
$0.00
$0.00
$0.00
Bill Internet
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Bill Phone
$0.00
$0.00
$0.00
Bill Water
$0.00
$0.00
$0.00
Amount
Expenses
Clothes
$0.00
Car fees
$0.00
$0.00
$0.00
Gas
$0.00
$0.00
$0.00
$0.00
Groceries
$0.00
Car insurance
$0.00
$0.00
$0.00
Household
$0.00
Car repairs
$0.00
$0.00
$0.00
Misc
$0.00
Clothes (Cash)
$0.00
$0.00
$0.00
Spending
$0.00
$0.00
$0.00
$0.00
Total Cash
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Totals
Planne
d
$0.00
Actual
Dif
Groceries (Cash)
$0.00
$0.00
$0.00
$0.00
$0.00
Household (Cash)
$0.00
$0.00
$0.00
Expenses
$0.00
$0.00
$0.00
House Mortgage
$0.00
$0.00
$0.00
Inc - Exp
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Savings
$0.00
$0.00
$0.00
Misc (Cash)
$0.00
$0.00
$0.00
Credit card
#1
Credit card
#2
Student loan
$0.00
$0.00
$0.00
Necessities
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Pets
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Spending (Cash)
$0.00
$0.00
$0.00
Whats left
$0.00
$0.00
$0.00
Tithe
$0.00
$0.00
$0.00
Total
$0.00
$0.00
$0.00
Income
Income
Actual
Dif
Salary #1
Planne
d
$0.00
$0.00
$0.00
Salary #2
$0.00
$0.00
Other Income
$0.00
Total
$0.00
Category
Planned
Actual
Dif
Bill Electric
$0.00
$0.00
$0.00
$0.00
Bill Gas
$0.00
$0.00
$0.00
$0.00
$0.00
Bill Internet
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Bill Phone
$0.00
$0.00
$0.00
Bill Water
$0.00
$0.00
$0.00
Amount
Expenses
Clothes
$0.00
Car fees
$0.00
$0.00
$0.00
Gas
$0.00
$0.00
$0.00
$0.00
Groceries
$0.00
Car insurance
$0.00
$0.00
$0.00
Household
$0.00
Car repairs
$0.00
$0.00
$0.00
Misc
$0.00
Clothes (Cash)
$0.00
$0.00
$0.00
Spending
$0.00
$0.00
$0.00
$0.00
Total Cash
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Totals
Planne
d
$0.00
Actual
Dif
Groceries (Cash)
$0.00
$0.00
$0.00
$0.00
$0.00
Household (Cash)
$0.00
$0.00
$0.00
Expenses
$0.00
$0.00
$0.00
House Mortgage
$0.00
$0.00
$0.00
Inc - Exp
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Savings
$0.00
$0.00
$0.00
Misc (Cash)
$0.00
$0.00
$0.00
Credit card
#1
Credit card
#2
Student loan
$0.00
$0.00
$0.00
Necessities
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Pets
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Spending (Cash)
$0.00
$0.00
$0.00
Whats left
$0.00
$0.00
$0.00
Tithe
$0.00
$0.00
$0.00
Total
$0.00
$0.00
$0.00
Income
Income
Actual
Dif
Salary #1
Planne
d
$0.00
$0.00
$0.00
Salary #2
$0.00
$0.00
Other Income
$0.00
Total
$0.00
Category
Planned
Actual
Dif
Bill Electric
$0.00
$0.00
$0.00
$0.00
Bill Gas
$0.00
$0.00
$0.00
$0.00
$0.00
Bill Internet
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Bill Phone
$0.00
$0.00
$0.00
Bill Water
$0.00
$0.00
$0.00
Amount
Expenses
Clothes
$0.00
Car fees
$0.00
$0.00
$0.00
Gas
$0.00
$0.00
$0.00
$0.00
Groceries
$0.00
Car insurance
$0.00
$0.00
$0.00
Household
$0.00
Car repairs
$0.00
$0.00
$0.00
Misc
$0.00
Clothes (Cash)
$0.00
$0.00
$0.00
Spending
$0.00
$0.00
$0.00
$0.00
Total Cash
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Totals
Planne
d
$0.00
Actual
Dif
Groceries (Cash)
$0.00
$0.00
$0.00
$0.00
$0.00
Household (Cash)
$0.00
$0.00
$0.00
Expenses
$0.00
$0.00
$0.00
House Mortgage
$0.00
$0.00
$0.00
Inc - Exp
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Savings
$0.00
$0.00
$0.00
Misc (Cash)
$0.00
$0.00
$0.00
Credit card
#1
Credit card
#2
Student loan
$0.00
$0.00
$0.00
Necessities
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Pets
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
Spending (Cash)
$0.00
$0.00
$0.00
Whats left
$0.00
$0.00
$0.00
Tithe
$0.00
$0.00
$0.00
Total
$0.00
$0.00
$0.00
Income
Expenses
Planned
Bill Electric
$0.00
Bill Gas
$0.00
Bill Internet
$0.00
$0.00
$0.00
Bill Phone
$0.00
$0.00
Bill Water
$0.00
$0.00
Car fees
$0.00
$0.00
$0.00
$0.00
Car insurance
$0.00
$0.00
Car repairs
$0.00
Clothes (Cash)
$0.00
$0.00
$0.00
$0.00
Groceries (Cash)
$0.00
Household (Cash)
$0.00
House Mortgage
$0.00
$0.00
Misc (Cash)
$0.00
Necessities
$0.00
Pets
$0.00
Spending (Cash)
$0.00
Tithe
$0.00
Total
$0.00
Months of expenses
Financial Progress
Date
Sep 1, 2005
Jan 1, 2008
Feb 1, 2008
Mar 1, 2008
Apr 1, 2008
May 1, 2008
Jun 1, 2008
Jul 1, 2008
Aug 1, 2008
Sep 1, 2008
Oct 1, 2008
Nov 1, 2008
Dec 1, 2008
Jan 1, 2009
Debt
###
###
###
###
###
###
###
###
###
###
###
###
###
###
Mortgage
-$150,000.00
-$149,999.00
-$149,998.00
-$149,997.00
-$149,996.00
-$149,995.00
-$149,994.00
-$149,993.00
-$149,992.00
-$149,991.00
-$149,990.00
-$149,989.00
-$149,988.00
-$149,987.00
Assets
$500.00
$600.00
$700.00
$800.00
Improvement
$0.00
$402.00
$606.00
$909.00
$900.00
$1,000.00
$1,100.00
$1,200.00
$1,300.00
$1,400.00
$1,500.00
$1,600.00
$1,700.00
$1,701.00
$1,212.00
$1,515.00
$1,818.00
$2,121.00
$2,424.00
$2,727.00
$3,030.00
$3,333.00
$3,636.00
$3,642.00
BS
BS
BS
BS
BS
BS
BS
Page 2
Step
#1
#2
#3
#4
#5
#6
#7
Financial Progress
Goal
$1,000.00
$20,000.00
$10,000.00
---$150,000.00
$13.00
$2,428.00
$2,441.00
$1,201.00
$3,642.00
Goal Date
Progress
$1,020
$2,428.00
$1,020
Complete
###
---$13.00
Page 3
BS1
Date
Sep 1, 2005
Dec 1, 2005
Jan 1, 2008
Feb 1, 2008
Mar 1, 2008
Apr 1, 2008
May 1, 2008
Jun 1, 2008
Jul 1, 2008
Aug 1, 2008
Sep 1, 2008
Oct 1, 2008
Nov 1, 2008
Dec 1, 2008
Jan 1, 2009
Balance
$0.00
$1,000.00
$1,020.00
$1,021.00
$1,022.00
$1,023.00
$1,024.00
$1,025.00
$1,026.00
$1,027.00
$1,028.00
$1,029.00
$1,030.00
$1,031.00
$1,032.00
Comments
Current balance:
Start
Finished
Page 4
$1,020.00
BS2
Date
Sep 1, 2005
Jan 1, 2008
Feb 1, 2008
Mar 1, 2008
Apr 1, 2008
May 1, 2008
Jun 1, 2008
Jul 1, 2008
Aug 1, 2008
Sep 1, 2008
Oct 1, 2008
Nov 1, 2008
Dec 1, 2008
Jan 1, 2009
Credit Card #1
CC #2
CC #3
Student loan
-$5,000.00
-$4,900.00
-$4,800.00
-$4,700.00
-$4,600.00
-$4,500.00
-$4,400.00
-$4,300.00
-$4,200.00
-$4,100.00
-$4,000.00
-$3,900.00
-$3,800.00
-$3,799.00
-$5,000.00
-$4,900.00
-$4,998.00
-$4,997.00
-$4,996.00
-$4,995.00
-$4,994.00
-$4,993.00
-$4,992.00
-$4,991.00
-$4,990.00
-$4,989.00
-$4,988.00
-$4,987.00
-$5,000.00
-$4,999.00
-$4,998.00
-$4,997.00
-$4,996.00
-$4,995.00
-$4,994.00
-$4,993.00
-$4,992.00
-$4,991.00
-$4,990.00
-$4,989.00
-$4,988.00
-$4,987.00
-$5,000.00
-$4,900.00
-$4,800.00
-$4,700.00
-$4,600.00
-$4,500.00
-$4,400.00
-$4,300.00
-$4,200.00
-$4,100.00
-$4,000.00
-$3,900.00
-$3,800.00
-$3,799.00
Page 5
BS2
Total
-$20,000.00
-$19,699.00
-$19,596.00
-$19,394.00
-$19,192.00
-$18,990.00
-$18,788.00
-$18,586.00
-$18,384.00
-$18,182.00
-$17,980.00
-$17,778.00
-$17,576.00
-$17,572.00
Current:
Start
-$19,699.00
Page 6
BS3
BS #3
Sept 1,
2005
###
Savings
$300.00
$1,000.00
Comments
Start
Jan 1, 2008
Feb 1, 2008
$1,000.00
Mar 1, 2008
$1,000.00
Apr 1, 2008
$1,000.00
May 1, 2008
$1,000.00
Jun 1, 2008
$1,000.00
Jul 1, 2008
$1,000.00
Aug 1, 2008
$1,000.00
Sep 1, 2008
$1,000.00
Oct 1, 2008
$1,000.00
Nov 1, 2008
$1,020.88
Dec 1, 2008
$1,021.00
Jan 1, 2009
$1,022.00
Current:
Page 7
$1,000.00
BS4
BS #4
Sept 1,
2005
Jan 1, 2008
Roth
$2,000.00
$2,001.00
401k
$200.00
$201.00
Total
Current:
$2,200.00 Start
$2,202.00
Feb 1, 2008
$2,002.00
$202.00
$2,204.00
Mar 1, 2008
$2,003.00
$203.00
$2,206.00
Apr 1, 2008
$2,004.00
$204.00
$2,208.00
May 1, 2008
$2,005.00
$205.00
$2,210.00
Jun 1, 2008
$2,006.00
$206.00
$2,212.00
Jul 1, 2008
$2,007.00
$207.00
$2,214.00
Aug 1, 2008
$2,008.00
$208.00
$2,216.00
Sep 1, 2008
$2,009.00
$209.00
$2,218.00
Oct 1, 2008
$2,010.00
$210.00
$2,220.00
Nov 1, 2008
$2,011.00
$211.00
$2,222.00
Dec 1, 2008
$2,012.00
$212.00
$2,224.00
Jan 1, 2009
$2,013.00
$213.00
$2,226.00
Page 8
$2,202.00
BS5
BS #5
###
Jan 1, 2008
Amount
Comments
$50 Start
$51
Feb 1, 2008
$52
Mar 1, 2008
$53
Apr 1, 2008
$54
May 1, 2008
$55
Jun 1, 2008
$56
Jul 1, 2008
$57
Aug 1, 2008
$58
Sep 1, 2008
$59
Oct 1, 2008
$60
Nov 1, 2008
$61
Dec 1, 2008
$62
Jan 1, 2009
$63
Current:
Page 9
$51
BS6
BS #6
Remaining
Comments
balance
Sep 1, 2005 $150,000.00 Start
Jan 1, 2008
$149,999.00 this month
Feb 1, 2008
$149,998.00
Mar 1, 2008
$149,997.00
Apr 1, 2008
$149,996.00
May 1, 2008
$149,995.00
Jun 1, 2008
$149,994.00
Jul 1, 2008
$149,993.00
Aug 1, 2008
$149,992.00
Sep 1, 2008
$149,991.00
Oct 1, 2008
$149,990.00
Nov 1, 2008
$149,989.00
Dec 1, 2008
$149,988.00
Jan 1, 2009
$149,987.00
Page 10
Current:
BS6
$149,999.00
Page 11
BS7
BS #7
Sept 1,
2005
Jan 1, 2008
Feb 1, 2008
Mar 1, 2008
Apr 1, 2008
May 1, 2008
Jun 1, 2008
Jul 1, 2008
Aug 1, 2008
Sep 1, 2008
Build
Give it away
Wealth
$0.00
$0.00
$10.00
$15.00
$11.00
$16.00
$12.00
$17.00
$13.00
$18.00
$14.00
$19.00
$15.00
$20.00
$16.00
$21.00
$17.00
$22.00
$18.00
$23.00
Total
Comments Current:
$0.00
Start
$25.00 this month
$27.00
$29.00
$31.00
$33.00
$35.00
$37.00
$39.00
$41.00
Oct 1, 2008
$19.00
$24.00
$43.00
Nov 1, 2008
$20.00
$25.00
$45.00
Dec 1, 2008
$21.00
$26.00
$47.00
Jan 1, 2009
$22.00
$27.00
$49.00
Page 12
BS7
$25.00
Page 13