Pear Budget

PearBudget [easy budgeting for everyone] Welcome to PearBudget. This is a free, easy-to-use budgeting program, enabling you to track where your money is going. It was written by Charlie Park ([email protected]). How To Use PearBudget intro PearBudget is meant to be a really straightforward and easy-to-use budget program. I know that—if you're like me—unless a budget's super easy, you won't use it. The guided set-up process takes about 20 minutes, and it'll take you about 10 minutes each week to maintain your budget. Do it. It's important. With PearBudget, your expenses fit into one of three categories, as seen below. Don't be overwhelmed! Just follow the instructions below and you'll be set! Keep in mind, you don't need to know Excel to use PearBudget. Just look for the cells with the white background and fill in the info the program tells you to. Please don't touch any cells that don't have a white background. Regular Expenses are those that you have to pay every month. For example, your mortgage is $1,000 every month. Your car insurance is $100 each month. These are going to be about the same amount, month-in, month-out. These are not dynamic, meaning once you set the amount for the year, you shouldn't change it. Examples are to the right.

A Web 2.0 version of PearBudg

Simpler. More powerful. Ta

Visit www.pearbudget.com to si

Friendly tip #1: Keep the names of yo columns immediately below this) shorter It really helps with the forma

Friendly tip #2: Make sure the categori are at the top of each column (to the r below). It's fine to leave cells on the list make sure the blank ones are at the bot list.

Irregular Expenses are things that come up a couple of times a year that you know you need to budget for. For example, you know you'll spend about $1,800 on car maintenance over the year, but you won't pay it on a regular schedule. So you budget $150 every month into "Car Maintenance," and then, on some sad day, you'll have to give the mechanic all that money. But, if you've budgeted right, at least you'll have money to give him. Another example: Christmas. If you're planning on spending $1,200, budget $100 a month, and you'll be covered. Variable Expenses are those that you pay every month, but that you might budget differently from month to month. So you might normally budget $100 for "dining out." But if the budget's tight one month, you might cut that to $75. These are expenses that you can plan on (somewhat), but that you want to be able to change when needed. In other words, these expenses change from month-to-month. See the examples to the right. step 1 10 mins

step 2 10 mins

To the right (and a little up), you can see the three different categories (in floating boxes), with suggested budgeting areas. Change the areas to reflect your budgetary needs. For example, you might need to add or remove categories. Literally, where it says "rent" under "Regular Expenses," click on that cell and type in the category you want to be on the list. If you want to take some time to think about what your categories should be (use scratch paper), that's fine. But the rest of the program will key off these boxes, so the idea is that once you begin your year's budget, you won't change them. You don't need to fill all 10 lines per category: It's okay to leave some blank.

Now that you've made your list of expenses and budgeting areas, it's time to think about how much money to budget for each area. Below are the expense areas you just selected (see how the green columns on the left match the columns you just filled in?). In the white cells to the right of each pear-colored spending area, fill in the amount you want to budget for each month. If your cells on the left are blank, think through the year: Are there any expenditures you might be forgetting? Remember, only modify cells if they're white. You shouldn't touch the pear-colored cells. If you need to change the expense areas, go back to step 1 and modify the items on those lists on the upper right.

Variable Expenses housecare groceries dining out car gas haircuts misc.

(no more than 10)

Now that you've made your list of expenses and budgeting areas, it's time to think about how much money to budget for each area. Below are the expense areas you just selected (see how the green columns on the left match the columns you just filled in?). In the white cells to the right of each pear-colored spending area, fill in the amount you want to budget for each month. If your cells on the left are blank, think through the year: Are there any expenditures you might be forgetting? Remember, only modify cells if they're white. You shouldn't touch the pear-colored cells. If you need to change the expense areas, go back to step 1 and modify the items on those lists on the upper right.

step 3

Regular Expenses rent phone bill insurance tithe donations savings college 0 0 0

= = = = = = = = = = =

$ Spent Per Month $900.00 $64.50 $130.00 $255.00 $20.00 $50.00 $50.00

Irregular Expenses car maint. medical medicine gifts 0 0 0 0 0 0

= = = = = = = = = = =

$ Spent Per Month $250.00 $50.00 $25.00 $50.00

Variable Expenses housecare groceries dining out car gas haircuts misc. 0 0 0 0

= = = = = = = = = = =

$ Spent Per Month $30.00 $400.00 $85.00 $100.00 $35.00 $55.50

total $375.00

That's all! Your budget is set up and ready to go! See the tabs at the bottom of the screen (Start Here, Jan, Feb, … Analysis)? Those will take you to the other charts for the year. Head over to January to get acquainted with the monthly charts and to get started! Each month, you'll enter in the amounts spent in each category. You'll also enter in the amount of income you bring in each month. Look for the white cells—those are the ones you'll enter numbers into. Check out the "Analysis" page (look at the bottom of the screen to see its tab), and you can see how you're doing in each category for the year. When you head over to the January sheet (or whatever month you're starting with), look for the red 'comments' triangle in cell B3 (the cell underneath 'housecare')—it'll explain the next step.

donate?

total $1,469.50

This budget program is free. There's no obligation of any sort for you to use this or to pass it on to your friends. BUT … if you find it useful, and if you decide that you'd like to send in money, you can send it via PayPal, to [email protected].

total $705.50

Friendly tip #4: In the budget, you'll upper right of certain cells (like on this you'll see popup comments tha

Friendly tip #5: One of the best ways central "collection point" for your rece Sunday evening), sit down and enter yo slips) in to the appropriate categories o don't let your receipts stack up, this shou per we

help

There are three ways that you can help me develop PearBudget further. First, if you find it useful, please e-mail me and let me know! My e-mail address is [email protected]. Second, if you know of a way that the program can be improved, please let me know about it. Maybe there's a description somewhere that could be clearer. Maybe there's a small mathematical error somewhere. Maybe you have an idea for a feature that the next version of PearBudget could include. Whatever it is, please send it my way. Third, I'd really appreciate it if you passed the program on to your friends. It doesn't have to be a January-to-December budget! They can begin anywhere in the year with it! If you know someone who might possibly be interested in it, please pass it on to them! I'm eager to develop PearBudget further. Any one of these three actions will help me out!

Web 2.0

A Web 2.0 version of PearBudget is currently in the works. Simpler. More powerful. Taking less. Giving more. Visit www.pearbudget.com to sign up for the public beta test.

b 2.0 version of PearBudget is currently in the works.

impler. More powerful. Taking less. Giving more.

ww.pearbudget .com to sign up for the public beta test.

ip #1: Keep the names of your "expense areas" (in the three mmediately below this) shorter than 10 letters. It really helps with the formatting of the spreadsheets later on.

p #2: Make sure the categories e top of each column (to the right and s fine to leave cells on the list blank, but the blank ones are at the bottom of the list. Irregular Expenses car maint. medical medicine gifts

(no more than 10)

Regular Expenses rent phone bill insurance tithe donations savings college

(no more than 10)

total $2,550.00 Friendly tip #3: Is the number above approximately your income per month? If not, adjust the numbers in the "$ Spent Per Month" columns to the left until the number above is close to your monthly income.

tip #4: In the budget, you'll occasionally see red triangles in the ght of certain cells (like on this one). Mouse over those cells, and ou'll see popup comments that might make things clearer.

tip #5: One of the best ways to manage your budget is to have a collection point" for your receipts. Each week, at a set time (say, vening), sit down and enter your receipts (and your check deposit o the appropriate categories on that month's budget sheet. If you ur receipts stack up, this shouldn't take more than 5 to 10 minutes per week!

Jan 2007 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 total spent budgeted difference Jan 2007

housecare

$0.00 $30.00 $30.00 housecare

Amount Spent on Variable Expenses (changing amounts, spent every month) [Feel free to change the budgeted amount (row 36).] 0 0 groceries dining out car gas haircuts misc. This This column column stays stays blank. blank.

$0.00 $400.00 $400.00 groceries

Amount Spent on Regular Expenses (same amount, spent every month) rent phone bill insurance tithe

$0.00 $85.00 $85.00 dining out

$0.00 $100.00 $100.00 car gas

car maint.

$0.00 $35.00 $35.00 haircuts

$0.00 $55.50 $55.50 misc.

0

0

0 This column stays blank.

0

Amount Spent on Irregular Expenses (changing amounts, spent at random points in the year) [Just enter in this month 0 0 medical medicine gifts This This column column stays stays

donations savings college 0 0 0

blank.

total:

$0.00

$0.00

$0.00

$0.00

Analysis for January 2007 How To Use This Summary Analysis This is a summary of the month's income and expenses. At the end of the month, it'll explain how we did this month. It gives you the same info you see above, just with its own interpretation. For a more in-depth look at your budget for the year, check out the "Analysis" page. Area Variable Regular Irregular Total

Budgeted $705.50 $1,469.50 $375.00 $2,550.00

Amt. Spent $0.00 $0.00 $0.00 $0.00

Difference $705.50 $1,469.50 $375.00 $2,550.00

Variable Expenses Budgeting vs. Actual Spending [ what we thought we'd spend / what we really spent ] We were way off our budget for the month. We had planned to spend $705.50 this month, and we ended up spending $0.00, so our planning was over by $705.50. (Keep in mind, that's just the Variable Expenses. The "Analysis" page will show you how we're doing with Regular and Irregular Expenses.) Total Income Total Expenses Difference

$0.00 $0.00 $0.00

blank.

0 This column stays blank.

0

total spent $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $705.50 $705.50 total spent

income

$0.00

what's left -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50

income

what's left

0

egular Expenses ear) [Just enter in this month's expenses here.] 0 0 0 This This This column column column stays stays stays

0 This column stays

blank.

blank.

blank.

blank.

Income vs. Expenses Overview [ did we end up saving anything? ] This month, we spent $0.00. That was ... • $0.00 spent on Variable Expenses (like housecare / groceries / etc.) • $0.00 spent on Regular Expenses (like rent / phone bill / etc.) • $0.00 spent on Irregular Expenses (like car maint. / medical / etc.) We brought in $0.00 for the month, so we ended up breaking even. You can see a chart outlining that info to the left.

Feb 2007 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 total spent budgeted difference Feb 2007

housecare

Amount Spent on Variable Expenses (changing amounts, spent every month) [Feel free to change the budgeted amount (row 3 groceries dining out car gas haircuts misc.

$0.00 $30.00 $30.00 housecare

$0.00 $400.00 $400.00 groceries

$0.00 $85.00 $85.00 dining out

Amount Spent on Regular Expenses (same amount, spent every month) rent phone bill insurance tithe donations savings college 0 0 0

$0.00 $100.00 $100.00 car gas

car maint.

total:

$0.00

$0.00 $35.00 $35.00 haircuts

$0.00 $55.50 $55.50 misc.

Amount S (changing amounts, spent at random poin medical medicine

$0.00

$0.00 Analysis for February 2007

How To Use This Summary Analysis This is a summary of the month's income and expenses. At the end of the month, it'll explain how we did this month. It gives you the same info you see above, just with its own interpretation. For a more in-depth look at your budget for the year, check out the "Analysis" page. Area

Budgeted

Amt. Spent

Difference

Variable Expenses Budgeting vs. Actual Spend [ what we thought we'd spend / what we really spe We were way off our budget for the month. We had pla spend $705.50 this month, and we ended up spending $ our planning was over by $705.50. (Keep in mind, that's just the Variable Expenses. "Analysis" page will show you how we're doing with Reg Irregular Expenses.)

Variable Regular Irregular Total

$705.50 $1,469.50 $375.00 $2,550.00

$0.00 $0.00 $0.00 $0.00

$705.50 $1,469.50 $375.00 $2,550.00

Total Income Total Expenses Difference

xpenses ange the budgeted amount (row 36).] 0 0 This This column column stays stays blank. blank.

0

0

0 This column stays blank.

0

0 This column stays blank.

0

total spent $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $705.50 $705.50 total spent

Amount Spent on Irregular Expenses ng amounts, spent at random points in the year) [Just enter in this month's 0 0 0 gifts This This This column column column stays stays stays blank. blank. blank.

income

$0.00

what's left -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50

income

what's left

0

expenses here.] 0 0 This This column column stays stays blank. blank.

$0.00

nalysis for February 2007

enses Budgeting vs. Actual Spending ught we'd spend / what we really spent ] our budget for the month. We had planned to s month, and we ended up spending $0.00, so planning was over by $705.50. , that's just the Variable Expenses. The l show you how we're doing with Regular and Irregular Expenses.)

Income vs. Expenses Overview [ did we end up saving anything? ] This month, we spent $0.00. That was ... • $0.00 spent on Variable Expenses (like housecare / groceries / etc.) • $0.00 spent on Regular Expenses (like rent / phone bill / etc.) • $0.00 spent on Irregular Expenses

0 This column stays blank.

otal Income tal Expenses Difference

$0.00 $0.00 $0.00

(like car maint. / medical / etc.) We brought in $0.00 for the month, so we ended up breaking even. You can see a chart outlining that info to the left.

Mar 2007 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 total spent budgeted difference Mar 2007

housecare

Amount Spent on Variable Expenses (changing amounts, spent every month) [Feel free to change the budgeted amount (row 3 groceries dining out car gas haircuts misc.

$0.00 $30.00 $30.00 housecare

$0.00 $400.00 $400.00 groceries

$0.00 $85.00 $85.00 dining out

Amount Spent on Regular Expenses (same amount, spent every month) rent phone bill insurance tithe donations savings college 0 0 0

$0.00 $100.00 $100.00 car gas

car maint.

total:

$0.00

$0.00 $35.00 $35.00 haircuts

$0.00 $55.50 $55.50 misc.

Amount S (changing amounts, spent at random poin medical medicine

$0.00

$0.00 Analysis for March 2007

How To Use This Summary Analysis This is a summary of the month's income and expenses. At the end of the month, it'll explain how we did this month. It gives you the same info you see above, just with its own interpretation. For a more in-depth look at your budget for the year, check out the "Analysis" page. Area

Budgeted

Amt. Spent

Difference

Variable Expenses Budgeting vs. Actual Spend [ what we thought we'd spend / what we really spe We were way off our budget for the month. We had pla spend $705.50 this month, and we ended up spending $ our planning was over by $705.50. (Keep in mind, that's just the Variable Expenses. "Analysis" page will show you how we're doing with Reg Irregular Expenses.)

Variable Regular Irregular Total

$705.50 $1,469.50 $375.00 $2,550.00

$0.00 $0.00 $0.00 $0.00

$705.50 $1,469.50 $375.00 $2,550.00

Total Income Total Expenses Difference

xpenses ange the budgeted amount (row 36).] 0 0 This This column column stays stays blank. blank.

0

0

0 This column stays blank.

0

0 This column stays blank.

0

total spent $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $705.50 $705.50 total spent

Amount Spent on Irregular Expenses ng amounts, spent at random points in the year) [Just enter in this month's 0 0 0 gifts This This This column column column stays stays stays blank. blank. blank.

income

$0.00

what's left -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50

income

what's left

0

expenses here.] 0 0 This This column column stays stays blank. blank.

$0.00

Analysis for March 2007

enses Budgeting vs. Actual Spending ught we'd spend / what we really spent ] our budget for the month. We had planned to s month, and we ended up spending $0.00, so planning was over by $705.50. , that's just the Variable Expenses. The l show you how we're doing with Regular and Irregular Expenses.)

Income vs. Expenses Overview [ did we end up saving anything? ] This month, we spent $0.00. That was ... • $0.00 spent on Variable Expenses (like housecare / groceries / etc.) • $0.00 spent on Regular Expenses (like rent / phone bill / etc.) • $0.00 spent on Irregular Expenses

0 This column stays blank.

otal Income tal Expenses Difference

$0.00 $0.00 $0.00

(like car maint. / medical / etc.) We brought in $0.00 for the month, so we ended up breaking even. You can see a chart outlining that info to the left.

Apr 2007 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 total spent budgeted difference Apr 2007

housecare

Amount Spent on Variable Expenses (changing amounts, spent every month) [Feel free to change the budgeted amount (row 3 groceries dining out car gas haircuts misc.

$0.00 $30.00 $30.00 housecare

$0.00 $400.00 $400.00 groceries

$0.00 $85.00 $85.00 dining out

Amount Spent on Regular Expenses (same amount, spent every month) rent phone bill insurance tithe donations savings college 0 0 0

$0.00 $100.00 $100.00 car gas

car maint.

total:

$0.00

$0.00 $35.00 $35.00 haircuts

$0.00 $55.50 $55.50 misc.

Amount S (changing amounts, spent at random poin medical medicine

$0.00

$0.00 Analysis for April 2007

How To Use This Summary Analysis This is a summary of the month's income and expenses. At the end of the month, it'll explain how we did this month. It gives you the same info you see above, just with its own interpretation. For a more in-depth look at your budget for the year, check out the "Analysis" page. Area

Budgeted

Amt. Spent

Difference

Variable Expenses Budgeting vs. Actual Spend [ what we thought we'd spend / what we really spe We were way off our budget for the month. We had pla spend $705.50 this month, and we ended up spending $ our planning was over by $705.50. (Keep in mind, that's just the Variable Expenses. "Analysis" page will show you how we're doing with Reg Irregular Expenses.)

Variable Regular Irregular Total

$705.50 $1,469.50 $375.00 $2,550.00

$0.00 $0.00 $0.00 $0.00

$705.50 $1,469.50 $375.00 $2,550.00

Total Income Total Expenses Difference

xpenses ange the budgeted amount (row 36).] 0 0 This This column column stays stays blank. blank.

0

0

0 This column stays blank.

0

0 This column stays blank.

0

total spent $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $705.50 $705.50 total spent

Amount Spent on Irregular Expenses ng amounts, spent at random points in the year) [Just enter in this month's 0 0 0 gifts This This This column column column stays stays stays blank. blank. blank.

income

$0.00

what's left -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50

income

what's left

0

expenses here.] 0 0 This This column column stays stays blank. blank.

$0.00 Analysis for April 2007

enses Budgeting vs. Actual Spending ught we'd spend / what we really spent ] our budget for the month. We had planned to s month, and we ended up spending $0.00, so planning was over by $705.50. , that's just the Variable Expenses. The l show you how we're doing with Regular and Irregular Expenses.)

Income vs. Expenses Overview [ did we end up saving anything? ] This month, we spent $0.00. That was ... • $0.00 spent on Variable Expenses (like housecare / groceries / etc.) • $0.00 spent on Regular Expenses (like rent / phone bill / etc.) • $0.00 spent on Irregular Expenses

0 This column stays blank.

otal Income tal Expenses Difference

$0.00 $0.00 $0.00

(like car maint. / medical / etc.) We brought in $0.00 for the month, so we ended up breaking even. You can see a chart outlining that info to the left.

May 2007 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 total spent budgeted difference May 2007

housecare

Amount Spent on Variable Expenses (changing amounts, spent every month) [Feel free to change the budgeted amount (row 3 groceries dining out car gas haircuts misc.

$0.00 $30.00 $30.00 housecare

$0.00 $400.00 $400.00 groceries

$0.00 $85.00 $85.00 dining out

Amount Spent on Regular Expenses (same amount, spent every month) rent phone bill insurance tithe donations savings college 0 0 0

$0.00 $100.00 $100.00 car gas

car maint.

total:

$0.00

$0.00 $35.00 $35.00 haircuts

$0.00 $55.50 $55.50 misc.

Amount S (changing amounts, spent at random poin medical medicine

$0.00

$0.00 Analysis for May 2007

How To Use This Summary Analysis This is a summary of the month's income and expenses. At the end of the month, it'll explain how we did this month. It gives you the same info you see above, just with its own interpretation. For a more in-depth look at your budget for the year, check out the "Analysis" page. Area

Budgeted

Amt. Spent

Difference

Variable Expenses Budgeting vs. Actual Spend [ what we thought we'd spend / what we really spe We were way off our budget for the month. We had pla spend $705.50 this month, and we ended up spending $ our planning was over by $705.50. (Keep in mind, that's just the Variable Expenses. "Analysis" page will show you how we're doing with Reg Irregular Expenses.)

Variable Regular Irregular Total

$705.50 $1,469.50 $375.00 $2,550.00

$0.00 $0.00 $0.00 $0.00

$705.50 $1,469.50 $375.00 $2,550.00

Total Income Total Expenses Difference

xpenses ange the budgeted amount (row 36).] 0 0 This This column column stays stays blank. blank.

0

0

0 This column stays blank.

0

0 This column stays blank.

0

total spent $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $705.50 $705.50 total spent

Amount Spent on Irregular Expenses ng amounts, spent at random points in the year) [Just enter in this month's 0 0 0 gifts This This This column column column stays stays stays blank. blank. blank.

income

$0.00

what's left -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50

income

what's left

0

expenses here.] 0 0 This This column column stays stays blank. blank.

$0.00 Analysis for May 2007

enses Budgeting vs. Actual Spending ught we'd spend / what we really spent ] our budget for the month. We had planned to s month, and we ended up spending $0.00, so planning was over by $705.50. , that's just the Variable Expenses. The l show you how we're doing with Regular and Irregular Expenses.)

Income vs. Expenses Overview [ did we end up saving anything? ] This month, we spent $0.00. That was ... • $0.00 spent on Variable Expenses (like housecare / groceries / etc.) • $0.00 spent on Regular Expenses (like rent / phone bill / etc.) • $0.00 spent on Irregular Expenses

0 This column stays blank.

otal Income tal Expenses Difference

$0.00 $0.00 $0.00

(like car maint. / medical / etc.) We brought in $0.00 for the month, so we ended up breaking even. You can see a chart outlining that info to the left.

Jun 2007 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 total spent budgeted difference Jun 2007

housecare

Amount Spent on Variable Expenses (changing amounts, spent every month) [Feel free to change the budgeted amount (row 3 groceries dining out car gas haircuts misc.

$0.00 $30.00 $30.00 housecare

$0.00 $400.00 $400.00 groceries

$0.00 $85.00 $85.00 dining out

Amount Spent on Regular Expenses (same amount, spent every month) rent phone bill insurance tithe donations savings college 0 0 0

$0.00 $100.00 $100.00 car gas

car maint.

total:

$0.00

$0.00 $35.00 $35.00 haircuts

$0.00 $55.50 $55.50 misc.

Amount S (changing amounts, spent at random poin medical medicine

$0.00

$0.00 Analysis for June 2007

How To Use This Summary Analysis This is a summary of the month's income and expenses. At the end of the month, it'll explain how we did this month. It gives you the same info you see above, just with its own interpretation. For a more in-depth look at your budget for the year, check out the "Analysis" page. Area

Budgeted

Amt. Spent

Difference

Variable Expenses Budgeting vs. Actual Spend [ what we thought we'd spend / what we really spe We were way off our budget for the month. We had pla spend $705.50 this month, and we ended up spending $ our planning was over by $705.50. (Keep in mind, that's just the Variable Expenses. "Analysis" page will show you how we're doing with Reg Irregular Expenses.)

Variable Regular Irregular Total

$705.50 $1,469.50 $375.00 $2,550.00

$0.00 $0.00 $0.00 $0.00

$705.50 $1,469.50 $375.00 $2,550.00

Total Income Total Expenses Difference

xpenses ange the budgeted amount (row 36).] 0 0 This This column column stays stays blank. blank.

0

0

0 This column stays blank.

0

0 This column stays blank.

0

total spent $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $705.50 $705.50 total spent

Amount Spent on Irregular Expenses ng amounts, spent at random points in the year) [Just enter in this month's 0 0 0 gifts This This This column column column stays stays stays blank. blank. blank.

income

$0.00

what's left -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50

income

what's left

0

expenses here.] 0 0 This This column column stays stays blank. blank.

$0.00 Analysis for June 2007

enses Budgeting vs. Actual Spending ught we'd spend / what we really spent ] our budget for the month. We had planned to s month, and we ended up spending $0.00, so planning was over by $705.50. , that's just the Variable Expenses. The l show you how we're doing with Regular and Irregular Expenses.)

Income vs. Expenses Overview [ did we end up saving anything? ] This month, we spent $0.00. That was ... • $0.00 spent on Variable Expenses (like housecare / groceries / etc.) • $0.00 spent on Regular Expenses (like rent / phone bill / etc.) • $0.00 spent on Irregular Expenses

0 This column stays blank.

otal Income tal Expenses Difference

$0.00 $0.00 $0.00

(like car maint. / medical / etc.) We brought in $0.00 for the month, so we ended up breaking even. You can see a chart outlining that info to the left.

Jul 2007 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 total spent budgeted difference Jul 2007

housecare

Amount Spent on Variable Expenses (changing amounts, spent every month) [Feel free to change the budgeted amount (row 3 groceries dining out car gas haircuts misc.

$0.00 $30.00 $30.00 housecare

$0.00 $400.00 $400.00 groceries

$0.00 $85.00 $85.00 dining out

Amount Spent on Regular Expenses (same amount, spent every month) rent phone bill insurance tithe donations savings college 0 0 0

$0.00 $100.00 $100.00 car gas

car maint.

total:

$0.00

$0.00 $35.00 $35.00 haircuts

$0.00 $55.50 $55.50 misc.

Amount S (changing amounts, spent at random poin medical medicine

$0.00

$0.00 Analysis for July 2007

How To Use This Summary Analysis This is a summary of the month's income and expenses. At the end of the month, it'll explain how we did this month. It gives you the same info you see above, just with its own interpretation. For a more in-depth look at your budget for the year, check out the "Analysis" page. Area

Budgeted

Amt. Spent

Difference

Variable Expenses Budgeting vs. Actual Spend [ what we thought we'd spend / what we really spe We were way off our budget for the month. We had pla spend $705.50 this month, and we ended up spending $ our planning was over by $705.50. (Keep in mind, that's just the Variable Expenses. "Analysis" page will show you how we're doing with Reg Irregular Expenses.)

Variable Regular Irregular Total

$705.50 $1,469.50 $375.00 $2,550.00

$0.00 $0.00 $0.00 $0.00

$705.50 $1,469.50 $375.00 $2,550.00

Total Income Total Expenses Difference

xpenses ange the budgeted amount (row 36).] 0 0 This This column column stays stays blank. blank.

0

0

0 This column stays blank.

0

0 This column stays blank.

0

total spent $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $705.50 $705.50 total spent

Amount Spent on Irregular Expenses ng amounts, spent at random points in the year) [Just enter in this month's 0 0 0 gifts This This This column column column stays stays stays blank. blank. blank.

income

$0.00

what's left -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50

income

what's left

0

expenses here.] 0 0 This This column column stays stays blank. blank.

$0.00 Analysis for July 2007

enses Budgeting vs. Actual Spending ught we'd spend / what we really spent ] our budget for the month. We had planned to s month, and we ended up spending $0.00, so planning was over by $705.50. , that's just the Variable Expenses. The l show you how we're doing with Regular and Irregular Expenses.)

Income vs. Expenses Overview [ did we end up saving anything? ] This month, we spent $0.00. That was ... • $0.00 spent on Variable Expenses (like housecare / groceries / etc.) • $0.00 spent on Regular Expenses (like rent / phone bill / etc.) • $0.00 spent on Irregular Expenses

0 This column stays blank.

otal Income tal Expenses Difference

$0.00 $0.00 $0.00

(like car maint. / medical / etc.) We brought in $0.00 for the month, so we ended up breaking even. You can see a chart outlining that info to the left.

Aug 2007 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 total spent budgeted difference Aug 2007

housecare

Amount Spent on Variable Expenses (changing amounts, spent every month) [Feel free to change the budgeted amount (row 3 groceries dining out car gas haircuts misc.

$0.00 $30.00 $30.00 housecare

$0.00 $400.00 $400.00 groceries

$0.00 $85.00 $85.00 dining out

Amount Spent on Regular Expenses (same amount, spent every month) rent phone bill insurance tithe donations savings college 0 0 0

$0.00 $100.00 $100.00 car gas

car maint.

total:

$0.00

$0.00 $35.00 $35.00 haircuts

$0.00 $55.50 $55.50 misc.

Amount S (changing amounts, spent at random poin medical medicine

$0.00

$0.00 Analysis for August 2007

How To Use This Summary Analysis This is a summary of the month's income and expenses. At the end of the month, it'll explain how we did this month. It gives you the same info you see above, just with its own interpretation. For a more in-depth look at your budget for the year, check out the "Analysis" page. Area

Budgeted

Amt. Spent

Difference

Variable Expenses Budgeting vs. Actual Spend [ what we thought we'd spend / what we really spe We were way off our budget for the month. We had pla spend $705.50 this month, and we ended up spending $ our planning was over by $705.50. (Keep in mind, that's just the Variable Expenses. "Analysis" page will show you how we're doing with Reg Irregular Expenses.)

Variable Regular Irregular Total

$705.50 $1,469.50 $375.00 $2,550.00

$0.00 $0.00 $0.00 $0.00

$705.50 $1,469.50 $375.00 $2,550.00

Total Income Total Expenses Difference

xpenses ange the budgeted amount (row 36).] 0 0 This This column column stays stays blank. blank.

0

0

0 This column stays blank.

0

0 This column stays blank.

0

total spent $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $705.50 $705.50 total spent

Amount Spent on Irregular Expenses ng amounts, spent at random points in the year) [Just enter in this month's 0 0 0 gifts This This This column column column stays stays stays blank. blank. blank.

income

$0.00

what's left -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50

income

what's left

0

expenses here.] 0 0 This This column column stays stays blank. blank.

$0.00

Analysis for August 2007

enses Budgeting vs. Actual Spending ught we'd spend / what we really spent ] our budget for the month. We had planned to s month, and we ended up spending $0.00, so planning was over by $705.50. , that's just the Variable Expenses. The l show you how we're doing with Regular and Irregular Expenses.)

Income vs. Expenses Overview [ did we end up saving anything? ] This month, we spent $0.00. That was ... • $0.00 spent on Variable Expenses (like housecare / groceries / etc.) • $0.00 spent on Regular Expenses (like rent / phone bill / etc.) • $0.00 spent on Irregular Expenses

0 This column stays blank.

otal Income tal Expenses Difference

$0.00 $0.00 $0.00

(like car maint. / medical / etc.) We brought in $0.00 for the month, so we ended up breaking even. You can see a chart outlining that info to the left.

Sep 2007 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 total spent budgeted difference Sep 2007

housecare

Amount Spent on Variable Expenses (changing amounts, spent every month) [Feel free to change the budgeted amount (row 3 groceries dining out car gas haircuts misc.

$0.00 $30.00 $30.00 housecare

$0.00 $400.00 $400.00 groceries

$0.00 $85.00 $85.00 dining out

Amount Spent on Regular Expenses (same amount, spent every month) rent phone bill insurance tithe donations savings college 0 0 0

$0.00 $100.00 $100.00 car gas

car maint.

total:

$0.00

$0.00 $35.00 $35.00 haircuts

$0.00 $55.50 $55.50 misc.

Amount S (changing amounts, spent at random poin medical medicine

$0.00

$0.00 Analysis for September 2007

How To Use This Summary Analysis This is a summary of the month's income and expenses. At the end of the month, it'll explain how we did this month. It gives you the same info you see above, just with its own interpretation. For a more in-depth look at your budget for the year, check out the "Analysis" page. Area

Budgeted

Amt. Spent

Difference

Variable Expenses Budgeting vs. Actual Spend [ what we thought we'd spend / what we really spe We were way off our budget for the month. We had pla spend $705.50 this month, and we ended up spending $ our planning was over by $705.50. (Keep in mind, that's just the Variable Expenses. "Analysis" page will show you how we're doing with Reg Irregular Expenses.)

Variable Regular Irregular Total

$705.50 $1,469.50 $375.00 $2,550.00

$0.00 $0.00 $0.00 $0.00

$705.50 $1,469.50 $375.00 $2,550.00

Total Income Total Expenses Difference

xpenses ange the budgeted amount (row 36).] 0 0 This This column column stays stays blank. blank.

0

0

0 This column stays blank.

0

0 This column stays blank.

0

total spent $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $705.50 $705.50 total spent

Amount Spent on Irregular Expenses ng amounts, spent at random points in the year) [Just enter in this month's 0 0 0 gifts This This This column column column stays stays stays blank. blank. blank.

income

$0.00

what's left -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50

income

what's left

0

expenses here.] 0 0 This This column column stays stays blank. blank.

$0.00

nalysis for September 2007

enses Budgeting vs. Actual Spending ught we'd spend / what we really spent ] our budget for the month. We had planned to s month, and we ended up spending $0.00, so planning was over by $705.50. , that's just the Variable Expenses. The l show you how we're doing with Regular and Irregular Expenses.)

Income vs. Expenses Overview [ did we end up saving anything? ] This month, we spent $0.00. That was ... • $0.00 spent on Variable Expenses (like housecare / groceries / etc.) • $0.00 spent on Regular Expenses (like rent / phone bill / etc.) • $0.00 spent on Irregular Expenses

0 This column stays blank.

otal Income tal Expenses Difference

$0.00 $0.00 $0.00

(like car maint. / medical / etc.) We brought in $0.00 for the month, so we ended up breaking even. You can see a chart outlining that info to the left.

Oct 2007 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 total spent budgeted difference Oct 2007

housecare

Amount Spent on Variable Expenses (changing amounts, spent every month) [Feel free to change the budgeted amount (row 3 groceries dining out car gas haircuts misc.

$0.00 $30.00 $30.00 housecare

$0.00 $400.00 $400.00 groceries

$0.00 $85.00 $85.00 dining out

Amount Spent on Regular Expenses (same amount, spent every month) rent phone bill insurance tithe donations savings college 0 0 0

$0.00 $100.00 $100.00 car gas

car maint.

total:

$0.00

$0.00 $35.00 $35.00 haircuts

$0.00 $55.50 $55.50 misc.

Amount S (changing amounts, spent at random poin medical medicine

$0.00

$0.00 Analysis for October 2007

How To Use This Summary Analysis This is a summary of the month's income and expenses. At the end of the month, it'll explain how we did this month. It gives you the same info you see above, just with its own interpretation. For a more in-depth look at your budget for the year, check out the "Analysis" page. Area

Budgeted

Amt. Spent

Difference

Variable Expenses Budgeting vs. Actual Spend [ what we thought we'd spend / what we really spe We were way off our budget for the month. We had pla spend $705.50 this month, and we ended up spending $ our planning was over by $705.50. (Keep in mind, that's just the Variable Expenses. "Analysis" page will show you how we're doing with Reg Irregular Expenses.)

Variable Regular Irregular Total

$705.50 $1,469.50 $375.00 $2,550.00

$0.00 $0.00 $0.00 $0.00

$705.50 $1,469.50 $375.00 $2,550.00

Total Income Total Expenses Difference

xpenses ange the budgeted amount (row 36).] 0 0 This This column column stays stays blank. blank.

0

0

0 This column stays blank.

0

0 This column stays blank.

0

total spent $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $705.50 $705.50 total spent

Amount Spent on Irregular Expenses ng amounts, spent at random points in the year) [Just enter in this month's 0 0 0 gifts This This This column column column stays stays stays blank. blank. blank.

income

$0.00

what's left -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50

income

what's left

0

expenses here.] 0 0 This This column column stays stays blank. blank.

$0.00

Analysis for October 2007

enses Budgeting vs. Actual Spending ught we'd spend / what we really spent ] our budget for the month. We had planned to s month, and we ended up spending $0.00, so planning was over by $705.50. , that's just the Variable Expenses. The l show you how we're doing with Regular and Irregular Expenses.)

Income vs. Expenses Overview [ did we end up saving anything? ] This month, we spent $0.00. That was ... • $0.00 spent on Variable Expenses (like housecare / groceries / etc.) • $0.00 spent on Regular Expenses (like rent / phone bill / etc.) • $0.00 spent on Irregular Expenses

0 This column stays blank.

otal Income tal Expenses Difference

$0.00 $0.00 $0.00

(like car maint. / medical / etc.) We brought in $0.00 for the month, so we ended up breaking even. You can see a chart outlining that info to the left.

Nov 2007 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 total spent budgeted difference Nov 2007

housecare

Amount Spent on Variable Expenses (changing amounts, spent every month) [Feel free to change the budgeted amount (row 3 groceries dining out car gas haircuts misc.

$0.00 $30.00 $30.00 housecare

$0.00 $400.00 $400.00 groceries

$0.00 $85.00 $85.00 dining out

Amount Spent on Regular Expenses (same amount, spent every month) rent phone bill insurance tithe donations savings college 0 0 0

$0.00 $100.00 $100.00 car gas

car maint.

total:

$0.00

$0.00 $35.00 $35.00 haircuts

$0.00 $55.50 $55.50 misc.

Amount S (changing amounts, spent at random poin medical medicine

$0.00

$0.00 Analysis for November 2007

How To Use This Summary Analysis This is a summary of the month's income and expenses. At the end of the month, it'll explain how we did this month. It gives you the same info you see above, just with its own interpretation. For a more in-depth look at your budget for the year, check out the "Analysis" page. Area

Budgeted

Amt. Spent

Difference

Variable Expenses Budgeting vs. Actual Spend [ what we thought we'd spend / what we really spe We were way off our budget for the month. We had pla spend $705.50 this month, and we ended up spending $ our planning was over by $705.50. (Keep in mind, that's just the Variable Expenses. "Analysis" page will show you how we're doing with Reg Irregular Expenses.)

Variable Regular Irregular Total

$705.50 $1,469.50 $375.00 $2,550.00

$0.00 $0.00 $0.00 $0.00

$705.50 $1,469.50 $375.00 $2,550.00

Total Income Total Expenses Difference

xpenses ange the budgeted amount (row 36).] 0 0 This This column column stays stays blank. blank.

0

0

0 This column stays blank.

0

0 This column stays blank.

0

total spent $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $705.50 $705.50 total spent

Amount Spent on Irregular Expenses ng amounts, spent at random points in the year) [Just enter in this month's 0 0 0 gifts This This This column column column stays stays stays blank. blank. blank.

income

$0.00

what's left -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50

income

what's left

0

expenses here.] 0 0 This This column column stays stays blank. blank.

$0.00

nalysis for November 2007

enses Budgeting vs. Actual Spending ught we'd spend / what we really spent ] our budget for the month. We had planned to s month, and we ended up spending $0.00, so planning was over by $705.50. , that's just the Variable Expenses. The l show you how we're doing with Regular and Irregular Expenses.)

Income vs. Expenses Overview [ did we end up saving anything? ] This month, we spent $0.00. That was ... • $0.00 spent on Variable Expenses (like housecare / groceries / etc.) • $0.00 spent on Regular Expenses (like rent / phone bill / etc.) • $0.00 spent on Irregular Expenses

0 This column stays blank.

otal Income tal Expenses Difference

$0.00 $0.00 $0.00

(like car maint. / medical / etc.) We brought in $0.00 for the month, so we ended up breaking even. You can see a chart outlining that info to the left.

Dec 2007 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 total spent budgeted difference Dec 2007

housecare

Amount Spent on Variable Expenses (changing amounts, spent every month) [Feel free to change the budgeted amount (row 3 groceries dining out car gas haircuts misc.

$0.00 $30.00 $30.00 housecare

$0.00 $400.00 $400.00 groceries

$0.00 $85.00 $85.00 dining out

Amount Spent on Regular Expenses (same amount, spent every month) rent phone bill insurance tithe donations savings college 0 0 0

$0.00 $100.00 $100.00 car gas

car maint.

total:

$0.00

$0.00 $35.00 $35.00 haircuts

$0.00 $55.50 $55.50 misc.

Amount S (changing amounts, spent at random poin medical medicine

$0.00

$0.00 Analysis for December 2007

How To Use This Summary Analysis This is a summary of the month's income and expenses. At the end of the month, it'll explain how we did this month. It gives you the same info you see above, just with its own interpretation. For a more in-depth look at your budget for the year, check out the "Analysis" page. Area

Budgeted

Amt. Spent

Difference

Variable Expenses Budgeting vs. Actual Spend [ what we thought we'd spend / what we really spe We were way off our budget for the month. We had pla spend $705.50 this month, and we ended up spending $ our planning was over by $705.50. (Keep in mind, that's just the Variable Expenses. "Analysis" page will show you how we're doing with Reg Irregular Expenses.)

Variable Regular Irregular Total

$705.50 $1,469.50 $375.00 $2,550.00

$0.00 $0.00 $0.00 $0.00

$705.50 $1,469.50 $375.00 $2,550.00

Total Income Total Expenses Difference

xpenses ange the budgeted amount (row 36).] 0 0 This This column column stays stays blank. blank.

0

0

0 This column stays blank.

0

0 This column stays blank.

0

total spent $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $705.50 $705.50 total spent

Amount Spent on Irregular Expenses ng amounts, spent at random points in the year) [Just enter in this month's 0 0 0 gifts This This This column column column stays stays stays blank. blank. blank.

income

$0.00

what's left -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50 -$1,844.50

income

what's left

0

expenses here.] 0 0 This This column column stays stays blank. blank.

$0.00

nalysis for December 2007

enses Budgeting vs. Actual Spending ught we'd spend / what we really spent ] our budget for the month. We had planned to s month, and we ended up spending $0.00, so planning was over by $705.50. , that's just the Variable Expenses. The l show you how we're doing with Regular and Irregular Expenses.)

Income vs. Expenses Overview [ did we end up saving anything? ] This month, we spent $0.00. That was ... • $0.00 spent on Variable Expenses (like housecare / groceries / etc.) • $0.00 spent on Regular Expenses (like rent / phone bill / etc.) • $0.00 spent on Irregular Expenses

0 This column stays blank.

otal Income tal Expenses Difference

$0.00 $0.00 $0.00

(like car maint. / medical / etc.) We brought in $0.00 for the month, so we ended up breaking even. You can see a chart outlining that info to the left.

Don't change anything on this page. Every cell on this spreadsheet is defined elsewhere in t Regular Spending Area rent phone bill insurance tithe donations savings college 0 0 0 Total

Monthly Budgeted Amount $900.00 $64.50 $130.00 $255.00 $20.00 $50.00 $50.00 $0.00 $0.00 $0.00 $1,469.50

Jan

Feb

Mar

Apr

Regular Expenses: Amount May

$0.00

$0.00

$0.00

$0.00

$0.00

Don't change anything on this page. Every cell on this spreadsheet is defined elsewhere in t Irregular Spending Area car maint. medical medicine gifts 0 0 0 0 0 0 Total

Monthly Budgeted Amount $250.00 ($3,000 / yr) $50.00 ($600 / yr) $25.00 ($300 / yr) $50.00 ($600 / yr) $0.00 ($0 / yr) $0.00 ($0 / yr) $0.00 ($0 / yr) $0.00 ($0 / yr) $0.00 ($0 / yr) $0.00 ($0 / yr) $375.00 ($4,500 / yr)

Jan

Feb

Mar

Apr

Irregular Expenses: Amount May

$0.00

$0.00

$0.00

$0.00

$0.00

Don't change anything on this page. Every cell on this spreadsheet is defined elsewhere in t Variable Expenses spent housecare budgeted difference spent groceries budgeted difference spent dining out budgeted difference spent car gas budgeted difference spent haircuts budgeted difference spent misc. budgeted difference spent 0 budgeted difference spent 0 budgeted difference spent 0

Jan

Feb

Mar

Apr

May

Totals (Variable Expenses)

budgeted difference spent budgeted difference spent budgeted difference

$0.00 $0.00 $0.00

$0.00 $0.00 $0.00

$0.00 $0.00 $0.00

$0.00 $0.00 $0.00

$0.00 $0.00 $0.00

active months so far: 0

Summary Total Income Reg. Expenses Irreg. Expenses Variable Expenses Total Expenses Balance

Jan $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

Feb $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

Mar $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

Apr $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

0

0

Don't change anything on this page. Every cell on this spreadsheet is defined elsewhere in t Year in Summary

adsheet is defined elsewhere in the PearBudget software. Simply use this page for analysis. Regular Expenses: Amount Spent In ... Jun Jul Aug

$0.00

$0.00

$0.00

Sep

$0.00

Oct

$0.00

Nov

$0.00

Dec

$0.00

Total Spent Amount Left $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

$0.00

$0.00

adsheet is defined elsewhere in the PearBudget software. Simply use this page for analysis. Irregular Expenses: Amount Spent In ... Jun Jul Aug

$0.00

$0.00

$0.00

Sep

$0.00

Oct

$0.00

Nov

$0.00

Dec

$0.00

Total Spent Amount Left $0.00 $0.00 $0.00 $0.00

$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 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

Average #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

adsheet is defined elsewhere in the PearBudget software. Simply use this page for analysis. Jun

Jul

Aug

Sep

Oct

Nov

Dec

$0.00 $0.00 $0.00

$0.00 $0.00 $0.00

$0.00 $0.00 $0.00

$0.00 $0.00 $0.00

$0.00 $0.00 $0.00

$0.00 $0.00 $0.00

$0.00 $0.00 $0.00

$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

Jun $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

Jul $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

Aug $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

Sep $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

Oct $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

Nov $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

Dec $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

#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! Average #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!

adsheet is defined elsewhere in the PearBudget software. Simply use this page for analysis. Year in Summary Regular Expenses Irregular Expenses Variable Expenses Total Expenses Total Income Total Saved in 2006

$0.00 $0.00 $0.00 $0.00 $0.00 $0.00

EXAMPLE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 total spent budgeted difference EXAMPLE

housecare

Amount Spent on Variable Expenses (changing amounts, spent every month) [Feel free to change the budgeted amount (row 3 groceries dining out car gas haircuts misc. $89.88

$22.00

$10.00

$8.50 $11.14

$104.09

$19.00

$37.00

$25.00 $57.50

$24.00

$94.21

$16.00 $80.05

$17.17

$5.22 $25.11

$15.00 $25.00

$15.22 $30.00 $14.78 housecare

$404.48 $400.00 -$4.48 groceries

$82.50 $85.00 $2.50 dining out

Amount Spent on Regular Expenses (same amount, spent every month) rent $900.00 phone bill $64.50 insurance $130.00 tithe $255.00 donations $30.00 savings $50.00 college $50.00 0 0 0

$96.00 $100.00 $4.00 car gas

car maint. $183.10 $16.93

total:

$200.03

$37.00 $35.00 -$2.00 haircuts

$50.67 $55.50 $4.83 misc.

Amount S (changing amounts, spent at random poin medical medicine

$0.00

$0.00 Analysis for EXAMPLE MONTH

How To Use This Summary Analysis This is a summary of the month's income and expenses. At the end of the month, it'll explain how we did this month. It gives you the same info you see above, just with its own interpretation. For a more in-depth look at your budget for the year, check out the "Analysis" page. Area

Budgeted

Amt. Spent

Difference

Variable Expenses Budgeting vs. Actual Spend [ what we thought we'd spend / what we really spe We were pretty close to our budget for the month. W planned to spend $705.50 this month, and we ende spending $685.87, so our planning was over by $19 (Keep in mind, that's just the Variable Expenses. "Analysis" page will show you how we're doing with Reg Irregular Expenses.)

Variable Regular Irregular Total

$705.50 $1,469.50 $375.00 $2,550.00

$685.87 $1,479.50 $218.15 $2,383.52

$19.63 -$10.00 $156.85 $166.48

Total Income Total Expenses Difference

xpenses ange the budgeted amount (row 36).] 0 0 This This column column stays stays blank. blank.

0

0

0 This column stays blank.

0 This column stays blank.

0

0

This is how your budget might look at the end of a month. total spent income what's left $0.00 $2,100.00 $255.50 $111.88 $143.62 $0.00 $143.62 $0.00 $143.62 $18.50 $300.00 $425.12 $11.14 $413.98 $0.00 $413.98 $0.00 $413.98 $160.09 $253.89 $0.00 $253.89 $0.00 $253.89 $0.00 $253.89 $25.00 $228.89 $0.00 $228.89 $81.50 $147.39 $94.21 $53.18 $0.00 $53.18 $0.00 $53.18 $0.00 $53.18 $16.00 $37.18 $0.00 $37.18 -$60.04 $97.22 -$60.04 $0.00 $0.00 $200.00 $139.96 $5.22 $134.74 $0.00 $134.74 $40.11 $94.63 $0.00 $94.63 $25.00 $69.63 $0.00 $69.63 $0.00 $69.63 $685.87 $2,600.00 $69.63 $705.50 $19.63 1 total spent income what's left

Amount Spent on Irregular Expenses ng amounts, spent at random points in the year) [Just enter in this month's 0 0 0 gifts This This This $18.12 column column column stays stays stays blank. blank. blank.

expenses here.] 0 0 This This column column stays stays blank. blank.

$18.12

alysis for EXAMPLE MONTH

enses Budgeting vs. Actual Spending ught we'd spend / what we really spent ] close to our budget for the month. We had nd $705.50 this month, and we ended up .87, so our planning was over by $19.63. , that's just the Variable Expenses. The l show you how we're doing with Regular and Irregular Expenses.)

Income vs. Expenses Overview [ did we end up saving anything? ] This month, we spent $2,383.52. That was ... • $685.87 spent on Variable Expenses (like housecare / groceries / etc.) • $1,479.50 spent on Regular Expenses (like rent / phone bill / etc.) • $218.15 spent on Irregular Expenses

0 This column stays blank.

otal Income tal Expenses Difference

$2,600.00 $2,383.52 $216.48

(like car maint. / medical / etc.) We brought in $2,600.00 for the month, so we ended up making $216.48 beyond what we spent. You can see a chart outlining that info to the left.