Money Manager EXCEL

7/29/2019 Money Manager EXCEL

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Vertex42 Money ManagerINSTRUCTIONS

IntroThe Vertex42 Money Manager can be a very simple money management tool. Like most

spreadsheet applications, you should know that spreadsheets are error-prone. It is easy to

make mistakes, accidentally delete things that should not be deleted, forget to copy formulas

etc. If you are comfortable using Excel, know how to identify and fix formulas when needed,

understand how to use basic row operations (delete, copy, inserted copied rows, etc.), are

okay with the level of risk you take on by using a spreadsheet, and follow the instructions

and guidelines, you should find this spreadsheet very useful.

General Tips

- Except for customizing the categories, you normally only edit cells with a gray border:

- Some of the labels include cell comments (marked with little red triangles) to provide

extra help information.

- You can add your own cell comments! This is especially useful in the Budget worksheet,where you can create notes to explain irregular or variable expenses.

- If you see "#####" in a cell, widen the COLUMN to display the cell contents.

- This workbook uses a lot of conditional formatting. Look up "conditional formatting" in the

Excel help system (F1) if you want to know how it works.

- You can add a limited amount of security by password protecting your workbook, but that

can be easily bypassed by anyone with malicious intent. The security of your data is your

responsibility.

- Backup your file regularly to avoid losing data! Excel files DO get corrupted occasionally.

Step 1 Customize Categories (or don't)

The easiest way to get started is to just use the default set of budget categories.If you need to make changes to the categories, make sure that you make corresponding

changes in ALL the other worksheets.

TIP: If you are going to customize the categories, it may be easier to start from the Budget

worksheet and then make sure that the Report and Categories worksheets correspond.

A. If you ADD or DELETE Categories, make sure that you use row operations (copying or

deleting entire rows) to help ensure that all formulas are copied correctly. Always insert

new rows between the first and last item in the category. If you insert a row immediately

above the "Total" or "Subtotal" row, formulas will not stretch to include the row you inserted.

B. Category names in all the worksheets must match exactly. Conditional formatting is used

to highlight the category names if the categories are not found in the Categories worksheet.

C. No Duplicate Category NamesUsing duplicate category names like "Other" will result in errors, but you may not easily

notice the errors. Make sure that each category is UNIQUE.

D. Do Not Remove or Add Major Categories

If you add or remove major categories (like Housing, Food, Health, etc.), many formulas

will need to be updated and it is very likely you'll miss something and end up introducing

errors. Try to use the default set of categories or RENAME the categories, but avoid adding

or removing the major categories.
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Step 2 Define Your List of AccountsList the accounts that you want to include in the Transaction History worksheet in the

list to the right. This list will be used to populate the dropdown box in the Accounts column

of the Transactions worksheet.

TIP: If you start each account name with a different letter, Excel's autocomplete featurewill make entering the account much faster for you.

To add more accounts, insert rows above this line.

Step 3 Define your Yearly Budget

Define your budget using the Budget worksheet. Edit only the cells with the gray outline.See Vertex42.com and the blog Vertex42Blog.com for tips on budgeting.

- For a Financial Year that does not start in January: Before entering your yearly budget,

go to the Report worksheet and enter the "Year Begins" date. This will update the month

labels in the Budget worksheet.

- You can copy and paste the input cells within the Budget worksheet as needed. For example,

enter an average fuel cost in January, then copy the value to other months.

- Use formulas to do basic calculations like "=245/6" to divide 245 by 6 or "=34*2" to multipy

34 by 2, or "=34+12+45" to add a bunch of numbers. Formulas are entered using the

equals "=" sign.

Step 4 Record TransactionsThe Transactions worksheet lets you record transactions for multiple accounts. Think of a

PAYMENT as money leaving the account and a DEPOSIT as money entering the account .

Examples of different types of transactions are given below.

IMPORTANT: You must copy and paste entire rows when adding new rows, to ensure that all

the formatting, data validation, and formulas get copied correctly.

THE MOST COMMON ERROR is inserting a new row and forgetting to copy formulas,

especially the hidden formulas in columns J-L.

When you insert a blank row, some formatting is copied from the row above it automatically,

but formulas and data validation are not copied. Remember: COPY - PASTE - EDIT

Use the screenshot below as a guide for how to enter transactions.


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Num: This column is usually used to list the check number, but you can also use it to enter

"DEP" for deposit, "TXFR" for transfer, "EFT" for electronic funds transfer, "ACH" for

Automated Clearing House transactions, etc.

Category: The Category field is essential to the functionality of this workbook. The Category

is a dropdown list that gets its info from the Categories worksheet.

The Category column uses conditional formatting to highlight the category PINK if the

category is not found in the Categories worksheet, BROWN if the category is not found in

the Yearly or Monthly worksheet, and GRAY if the category is blank, [Transfer], or [Balance].

If the formatting isn't copied correctly, you'll lose this double-check feature. So again, this

spreadsheet is not error-proof.

IMPORTANT: If you have chosen a category such as "Ted's Fund" and then later remove

"Ted's Fund" from the list in the Categories worksheet, it will not be changed in the Transactio

table automatically. You will need to make sure that you find all the records that have used

"Ted's Fund" as the Category and change them to something else.

Step 4-0: Delete the Sample Rows

Step 4-1: Enter the beginning balance(s):

The Beginning Balance on JANUARY 1st for each account should be the first lines in the

register. If an account has a Negative balance (like a Credit Card), enter the balance as a

Positive value in the PAYMENT column. If an account has a Positive balance, enter the balance

as a Positive value in the DEPOSIT column. Use the Account Balance column to compare to

the balance shown on your bank or credit card statements.

Step 4-2: Add New Transactions:

You will probably find that the fastest way to add new transactions is copy and paste similar

previous transactions. You can select one or more rows, copy them, and then paste them

below the last transaction. Then, you just need to edit the cells that need to be changed.

TIP: Always leave the last row in the table BLANK so that you can easily add new rows. To

add new rows, select the last row of the table (row 57 in the image below) and drag the fill

handle down to copy the row down to create as many new rows as you need.

Fill Handle


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Recording a SPLIT Transaction

If a single transaction needs to be allocated to multiple budget categories, you need to create

a SPLIT transaction. You can do this by splitting the transaction into multiple transactions -

one for each category. You can use the MEMO field to indicate that the transaction is a "Split".

ACCOUNT DATE NUM PAYEE MEMO CATEGORY PAYMENT

Checking 1/1/10 2032 Target Split Clothing 23.10

Checking 1/1/10 2032 Target Split Groceries 45.15

Checking 1/1/10 2032 Target Split Supplies 25.04

Tip: If you want to verify the total amount of the split transaction, you can do a quick

calculation off to the side of the table using an Excel formula, like "=SUM(H13:H15)"

Recording a [Transfer] Between Spending Accounts

Record a transfer by listing two transactions (one PAYMENT, one DEPOSIT) to offset each othe

Choose "[Transfer]" as the Category for both transactions. For example, a $250 credit card

payment would be recorded as a transfer FROM your checking TO your credit card account:

ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPOSI

CreditCard 1/1/10 TXFR [From Checking] [Transfer] 150.0

Checking 1/1/10 TXFR [To CreditCard] [Transfer] 150.00

NOTE: The above example assumes that the "payment" to your Credit Card is to pay off the

charges that you have already recorded earlier in the Transaction History table for the

CreditCard account. If you are NOT recording individual CreditCard transactions using the

Transactions worksheet, or part of the $150.00 was to pay down an outstanding debt, then acredit card payment would look like one of the following, where "Credit Card #1" is a category

under Obligations.

Example 1: Not using Credit Card #1 any more, but still owe money on it.

ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT

Checking 1/1/10 Credit Card Credit Card #1 150.00

Example 2: A portion of a credit card payment used to pay down $25.00 of outstanding debt.

ACCOUNT DATE NUM PAYEE MEMO CATEGORY PAYMENT

CreditCard 1/1/10 TXFR [From Checking] [Transfer]

Checking 1/1/10 TXFR [To CreditCard] Split [Transfer] 125.00Checking 1/1/10 TXFR [To CreditCard] Split Credit Card #1 25.00

Recording a [Transfer] To SAVINGS

When budgeting, you treat a transfer to Savings as an expense. You'll notice in the Budget

worksheet that there are multiple savings goals listed as sub-categories under the main

"To Savings" category. Instead of just throwing money into Savings, you should allocate the

money to specific savings goals based on percentages. For example, 50% to your Emergency


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Fund, 25% to Retirement, etc. You do this by recording the transfer as a SPLIT transaction:

In the example below, the CATEGORY for the Savings account transaction is "[Transfer]"

while the CATEGORY for the Checking account transaction(s) are budget sub-categories.

ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPO

Savings 1/1/10 TXFR [From Checking] [Transfer] 200

Checking 1/1/10 TXFR [To Savings] Emergency Fund 100.00

Checking 1/1/10 TXFR [To Savings] Retirement 50.00

Checking 1/1/10 TXFR [To Savings] College Fund 50.00

Recording a Return or Refund

A very common approach for recording returns or refunds is to record them as a negative

expense. As an example, let's say you purchased a blender from a department store and

allocated the payment to your "Appliances" category. After returning the blender, the store

credits your card. Instead of entering the credit as a deposit, enter the amount as a negative

payment as shown below. Doing this will credit the correct budget category instead of

treating the return as income.

Original Transaction:


CreditCard 1/1/10 The Big Store Appliances 50.00

Recording the Return:


CreditCard 1/5/10 The Big Store Appliances -50.00

Step 4-3: Record "Cleared" Transactions.

When you see that charges have been processed or "cleared" by your bank, you should

enter a "c" in the reconcile (R) column for that transaction.

The Cleared Balance in the transaction history table shows the Account balance for the

transactions marked "R" for reconciled or "c" for cleared. This allows you to compare the

Cleared Balance with the current balance shown on your bank statements.

The Account Balance reflects your actual or effective balance and is the one you should be

looking at to stay on budget. The Cleared Balance is for comparing to your bank and credit

card statements. For example, when you write a check to a friend, it won't show up in your

bank account until they cash it. You should record the transaction immediately, to help you

stay on budget, but until the check shows up on your bank statement, your Cleared Balance

will be different from the Account Balance (until you enter a "c" or "R" in the reconcile column

Step 4-4: Reconcile Your Accounts

You should reconcile your accounts at least one a month. Reconciling is also commonly known

as "balancing your checkbook".

A. Get your bank and credit card statements

B. Review your statements for errors and fraudulent charges

C. Your statements may include ATM fees, bank fees, or other transactions that you forget


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to include in the Transactions worksheet. Add them.

D. Verify that the Cleared Balance (as of the Ending Statement Date) in the Transactions

worksheet matches the Statement Balance.

E. Enter an "R" in the reconcile (R) column for every transaction that shows up on your

bank statement.

TIP: If you are familiar with using Excel lists or tables, you can use autofiltering to filter the

transaction history table to show a single account at a time.

Step 4-5: Check Formulas

If you ever have reason to suspect that you forgot to copy formulas, you should UNHIDE

columns J-L and copy the formulas down.

Step 5 Track Your ProgressA very important part of good money management is keeping track of how your current

spending compares to your budget . You might check your budget status on a weekly or even

daily basis, but you should at least manage your money on a monthly basis.

Use the Report worksheet to compare your budget to your actual spending throughout

the month. Change the month by entering the month number (1 for Jan., 2 for Feb., etc.).

The Report pulls the budget info from the Budget worksheet and the actual spending from

the Transactions worksheet, so you can view the report at any time during the month and

see how much you have left (or how much you have overspent) in each category.

IMPORTANT: If the Report worksheet does not appear to be pulling information from the

Transactions worksheet, please see Step 4-5 above (Check Formulas).


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2010 Vertex42 LLC

HELP

,

Input Cell

Label

Rate and Review

After using this template, please return toVertex42.com to rate and review it.

Thank you !
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** ACCOUNTS **

Checking

Savings

BobsCard

JanesCard

[End of List]

How to Budget: Budgeting TipsVertex42 Blog: Budgeting
http://www.vertex42.com/ExcelArticles/how-to-budget.htmlhttp://www.vertex42blog.com/categories/budgetinghttp://www.vertex42blog.com/categories/budgetinghttp://www.vertex42.com/ExcelArticles/how-to-budget.html


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[Transfer] : Normal background color to identify Transfers

[Balance] : Normal background color to identify Beginning Balance

Blah Blah : Category not found in the Categories worksheet

Blah Blah : Category not found in the Budget or Report worksheets

ns


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r.

DEPOSIT

150.00


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IT

.00

).


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Yearly Budget PlannerHELP

Starting Balance 0

Total Income 0 0 0 0 0 0 0 0 0 0 0

Total Expenses 0 0 0 0 0 0 0 0 0 0 0

NET (Income - Expenses) 0 0 0 0 0 0 0 0 0 0 0

Projected End Balance 0 0 0 0 0 0 0 0 0 0 0

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov

INCOME

Wages & Tips

Interest Income

Dividends

Gifts Received

Refunds/Reimbursements

Financial Aid

Rental Income

INCOME-Other

Total INCOME 0 0 0 0 0 0 0 0 0 0 0

TO SAVINGSEmergency Fund

Retirement Fund

College Fund

Investments

Taxes

Vacation Fund

SAVINGS -Other

Total TO SAVINGS 0 0 0 0 0 0 0 0 0 0 0

% of Income - - - - - - - - - - -

CHARITY/GIFTS

Tithing

Charitable Donations

Religious DonationsGifts

Christmas

CHARITY - Other

Total CHARITY/GIFTS 0 0 0 0 0 0 0 0 0 0 0

% of Income - - - - - - - - - - -

HOUSING
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Jan Feb Mar Apr May Jun Jul Aug Sep Oct

Mortgage/Rent

Home/Rental Insurance

Real Estate Taxes

Furnishings/Appliances

Lawn/Garden

Maintenance/Supplies

Improvements

HOUSING - Other

Total HOUSING 0 0 0 0 0 0 0 0 0 0% of Income - - - - - - - - - -

UTILITIES

Electricity

Gas/Oil

Water/Sewer/Trash

Phone

Cable/Satellite

Internet

UTILITIES - Other

Total UTILITIES 0 0 0 0 0 0 0 0 0 0

% of Income - - - - - - - - - -

FOODGroceries

Dining/Eating Out

Pet Food

FOOD - Other

Total FOOD 0 0 0 0 0 0 0 0 0 0

% of Income - - - - - - - - - -

TRANSPORTATION

Vehicle Payments

Auto Insurance

Fuel

Bus/Taxi/Train Fare

Repairs/Tires

Registration/License

TRANSPORTATION - Other

Total TRANSPORTATION 0 0 0 0 0 0 0 0 0 0

% of Income - - - - - - - - - -

HEALTH

Health Insurance

Disability Insurance

Doctor/Dentist/Optometrist

Medicine/Drugs


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Jan Feb Mar Apr May Jun Jul Aug Sep Oct N

Health Club Dues

Life Insurance

Veterinarian/Pet Care

HEALTH - Other

Total HEALTH 0 0 0 0 0 0 0 0 0 0

% of Income - - - - - - - - - -

DAILY LIVING

Education

Clothing

Personal Supplies

Cleaning Services

Laundry / Dry Cleaning

Salon/Barber

DAILY LIVING - Other

Total DAILY LIVING 0 0 0 0 0 0 0 0 0 0

% of Income - - - - - - - - - -

CHILDREN

Children:Clothing

Medical

Music Lessons

School Tuition

School Lunch

School Supplies

Babysitting/Child Care

Toys/Games

CHILDREN - Other

Total CHILDREN 0 0 0 0 0 0 0 0 0 0

% of Income - - - - - - - - - -

OBLIGATIONS

Student Loan

Other Loan

Credit Card #1

Credit Card #2

Credit Card #3Alimony/Child Support

Federal Taxes

State/Local Taxes

Legal Fees

OBLIGATIONS - Other

Total OBLIGATIONS 0 0 0 0 0 0 0 0 0 0

% of Income - - - - - - - - - -

BUSINESS EXPENSE


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Jan Feb Mar Apr May Jun Jul Aug Sep Oct N

Deductible Expenses

Non-Deductible Expenses

BUSINESS - Other

Total BUSINESS EXPENSE 0 0 0 0 0 0 0 0 0 0

% of Income - - - - - - - - - -

ENTERTAINMENT

Vacation/Travel

Videos/DVDs

Music

Games

Rentals

Movies/Theater

Concerts/Plays

Books

Hobbies

Film/Photos

Sports

Outdoor Recreation

Toys/Gadgets

ENTERTAINMENT - Other

Total ENTERTAINMENT 0 0 0 0 0 0 0 0 0 0

% of Income - - - - - - - - - -

SUBSCRIPTIONS

Newspaper

Magazines

Dues/Memberships

SUBSCRIPTIONS - Other

Total SUBSCRIPTIONS 0 0 0 0 0 0 0 0 0 0

% of Income - - - - - - - - - -

MISCELLANEOUS

Bank Fees

Postage

MISC - Other

Total MISCELLANEOUS 0 0 0 0 0 0 0 0 0 0% of Income - - - - - - - - - -


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Transaction HistoryHELP

Account Date Num Payee Memo Category R PAYMENT DEPOSIT Account

Balance

Clea

Bala

Checking 1/01/13 [Balance As of 01/01/2013] [Balance] R 875.00 875.00Savings 1/01/13 [Balance As of 01/01/2013] [Balance] R 2,345.00 2,345.00 2BobsCard 1/01/13 [Balance As of 01/01/2013] [Balance] R 256.00 (256.00)Checking 1/01/13 DEP Direct Deposit from Employer Wages & Tips R 1,000.00 1,875.00 1Checking 1/10/13 2032 Car Payment Vehicle Payments R 115.20 1,759.80 1

BobsCard 1/15/13 Joe's Food Mart Groceries R 87.34 (343.34)BobsCard 1/18/13 Fuel Gas/Oil R 100.00 (443.34)Checking 2/05/13 DEP Direct Deposit from Employer Wages & Tips c 1,000.00 2,759.80 2Checking 2/10/13 2033 Target Split Clothing 23.10 2,736.70 2Checking 2/10/13 2033 Target Split Groceries 45.15 2,691.55 2Checking 2/10/13 2033 Target Split Personal Supplies 25.04 2,666.51 2Savings 2/15/13 TXFR [From Checking] [Transfer] 200.00 2,545.00 2Checking 2/15/13 TXFR [To Savings] Split Emergency Fund 100.00 2,566.51 2Checking 2/15/13 TXFR [To Savings] Split Retirement Fund 50.00 2,516.51 2Checking 2/15/13 TXFR [To Savings] Split College Fund 50.00 2,466.51 2

-

-

-

-

-

--

-

-

-

-

-

-

-

-

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-

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Account Date Num Payee Memo Category R PAYMENT DEPOSIT Account

Balance

Cle

Bal

-

-

-

-

-


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HELP 2010 Vertex42 LLC

Year Begins: 1/1/2013 Begin: 2/1/13 FALSE

Month: 2 End: 2/28/13

BUDGET SUMMARY EXPENSE SUMMARY Budget Actual Difference

Budget Actual Difference TO SAVINGS - 200.00 (200.00)

Total Income 0.00 1,000.00 1,000.00 CHARITY/GIFTS - - -

Total Expenses0.00 293.29 (293.29) HOUSING - - -

NET 0.00 706.71 706.71 UTILITIES - - -

FOOD - 45.15 (45.15)

TRANSPORTATION - - -

HEALTH - - -

DAILY LIVING - 48.14 (48.14)

CHILDREN - - -

OBLIGATIONS - - -

BUSINESS EXPENSE - - -

ENTERTAINMENT - - -

SUBSCRIPTIONS - - -

MISCELLANEOUS - - -

INCOME Budget Actual Difference

Wages & Tips - 1,000.00 1,000.00Interest Income - - -

Dividends - - -

Gifts Received - - -

Refunds/Reimbursements - - -

Financial Aid - - -

Rental Income - - -

INCOME-Other - - -

Total INCOME - 1,000.00 1,000.00

TO SAVINGS Budget Actual Difference

Emergency Fund - 100.00 100.00

Retirement Fund - 50.00 50.00

College Fund - 50.00 50.00Investments - - -

Taxes - - -

Vacation Fund - - -

SAVINGS -Other - - -

Total TO SAVINGS - 200.00 200.00

% of Income - 20.0%

CHARITY/GIFTS Budget Actual Difference

Tithing - - -

Charitable Donations - - -

Religious Donations - - -

Gifts - - -

Christmas - - -

CHARITY - Other - - -Total CHARITY/GIFTS - - -

% of Income - 0.0%

HOUSING Budget Actual Difference

Mortgage/Rent - - -

Home/Rental Insurance - - -

Real Estate Taxes - - -

Furnishings/Appliances - - -

Lawn/Garden - - -

Maintenance/Supplies - - -

Improvements - - -

HOUSING - Other - - -

Total HOUSING - - -

% of Income - 0.0%

Monthly Budget Report

TO SAVINGS

CHARITY/GIFTS

HOUSING

UTILITIES

FOOD

TRANSPORTATION

HEALTH

DAILY LIVING

CHILDREN

OBLIGATIONS

BUSINESS EXPENSE

ENTERTAINMENT

SUBSCRIPTIONS

MISCELLANEOUS

Expense Summary Budget Actual

0 200 400 600 800 1000 1200

Total Income

Total Expenses

NET

Budget Actual

Year-To-Date


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UTILITIES Budget Actual Difference

Electricity - - -

Gas/Oil - - -

Water/Sewer/Trash - - -

Phone - - -

Cable/Satellite - - -

Internet - - -

UTILITIES - Other - - -

Total UTILITIES - - -

% of Income - 0.0%

FOOD Budget Actual Difference

Groceries - 45.15 (45.15)

Dining/Eating Out - - -

Pet Food - - -

FOOD - Other - - -

Total FOOD - 45.15 (45.15)

% of Income - 4.5%

TRANSPORTATION Budget Actual Difference

Vehicle Payments - - -

Auto Insurance - - -

Fuel - - -

Bus/Taxi/Train Fare - - -

Repairs/Tires - - -

Registration/License - - -TRANSPORTATION - Other - - -

Total TRANSPORTATION - - -

% of Income - 0.0%

HEALTH Budget Actual Difference

Health Insurance - - -

Disability Insurance - - -

Doctor/Dentist/Optometris - - -

Medicine/Drugs - - -

Health Club Dues - - -

Life Insurance - - -

Veterinarian/Pet Care - - -

HEALTH - Other - - -

Total HEALTH - - -% of Income - 0.0%

DAILY LIVING Budget Actual Difference

Education - - -

Clothing - 23.10 (23.10)

Personal Supplies - 25.04 (25.04)

Cleaning Services - - -

Laundry / Dry Cleaning - - -

Salon/Barber - - -

DAILY LIVING - Other - - -

Total DAILY LIVING - 48.14 (48.14)

% of Income - 4.8%

CHILDREN Budget Actual Difference

Children:Clothing - - -Medical - - -

Music Lessons - - -

School Tuition - - -

School Lunch - - -

School Supplies - - -

Babysitting/Child Care - - -

Toys/Games - - -

CHILDREN - Other - - -

Total CHILDREN - - -

% of Income - 0.0%

OBLIGATIONS Budget Actual Difference

Student Loan - - -

Other Loan - - -


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Credit Card #1 - - -



Alimony/Child Support - - -

Federal Taxes - - -

State/Local Taxes - - -

Legal Fees - - -

OBLIGATIONS - Other - - -

Total OBLIGATIONS - - -

% of Income - 0.0%

BUSINESS EXPENSE Budget Actual Difference

Deductible Expenses - - -

Non-Deductible Expenses - - -

BUSINESS - Other - - -

otal BUSINESS EXPENSE - - -

% of Income - 0.0%

ENTERTAINMENT Budget Actual Difference

Vacation/Travel - - -

Videos/DVDs - - -

Music - - -

Games - - -

Rentals - - -

Movies/Theater - - -

Concerts/Plays - - -

Books - - -

Hobbies - - -

Film/Photos - - -

Sports - - -

Outdoor Recreation - - -

Toys/Gadgets - - -

ENTERTAINMENT - Other - - -

Total ENTERTAINMENT - - -

% of Income - 0.0%

SUBSCRIPTIONS Budget Actual Difference

Newspaper - - -

Magazines - - -

Dues/Memberships - - -

SUBSCRIPTIONS - Other - - -

Total SUBSCRIPTIONS - - -

% of Income - 0.0%

MISCELLANEOUS Budget Actual Difference

Bank Fees - - -

Postage - - -

MISC - Other - - -

Total MISCELLANEOUS - - -

% of Income - 0.0%


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[Categories]

[Balance]

[Transfer]

***** INCOME *****

Wages & Tips

Interest Income

Dividends

Gifts Received

Refunds/Reimbursements

Financial Aid

Rental Income

INCOME-Other

***** SAVINGS *****

Emergency Fund

Retirement Fund

Investments

College Fund

Taxes

Vacation Fund

SAVINGS -Other

***** CHARITY / GIFTS *****

Tithing

Charitable Donations

Religious Donations

Gifts

Christmas

CHARITY - Other

***** HOUSING *****

Mortgage/RentHome/Rental Insurance

Real Estate Taxes

Furnishings/Appliances

Lawn/Garden

Maintenance/Supplies

Improvements

HOUSING - Other

***** UTILITIES *****

Electricity

Gas/Oil

Water/Sewer/TrashPhone

Cable/Satellite

Internet

UTILITIES - Other

***** FOOD *****

Groceries

Dining/Eating Out

InstructionsThis worksheet defines the list of categories used for the drop-down inthe Register worksheet. You must make absolutely sure that the list ofcategories are the same in ALL worksheets. If you make a change to acategory, you need to make that change in all worksheets.

Adding a Category: Copy an existing row and insert the copied rowwhere you want it and then edit the Category name. Then, make surethe add the category in the Budget and Report worksheets.

Deleting a Sub-Category: Before you start recording transactions,deleting a category is easy. Just delete the category row. Don't deletemajor categories. If you have already started recording transactions,and some of the transactions were allocated to the category youdeleted, you will need to manually update all those Transactions toassign them to a new category.

Making Changes to Categories: This worksheet uses conditionalformatting to detect whether the Category is found in BOTH the Budgetand Report worksheets. If a sub-category is highlighted PINK(MAGENTA)then the category needs to be added to the Budget worksheet. A sub-category highlighted BROWN means that the category needs to beadded to the Report worksheet. Major categories like *****INCOME*****are used to separate groups of categories and you should make surethat the sub-categories are grouped correctly and consistently in theYearly and Monthly worksheets.

WARNING: Be VERY careful to not use DUPLICATE category names suchas "Other".


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Pet Food

FOOD - Other

***** TRANSPORTATION *****

Vehicle Payments

Auto Insurance

Fuel

Bus/Taxi/Train Fare

Repairs/Tires

Registration/License

TRANSPORTATION - Other

***** HEALTH *****

Health Insurance

Disability Insurance

Doctor/Dentist/Optometrist

Medicine/Drugs

Health Club Dues

Life Insurance

Veterinarian/Pet Care

HEALTH - Other

***** DAILY LIVING *****

Education

Clothing

Personal Supplies

Cleaning Services

Laundry / Dry Cleaning

Salon/Barber

DAILY LIVING - Other

***** CHILDREN *****

Children:ClothingMedical

Music Lessons

School Tuition

School Lunch

School Supplies

Babysitting/Child Care

Toys/Games

CHILDREN - Other

***** OBLIGATIONS *****

Student Loan

Other LoanCredit Card #1

Credit Card #2

Credit Card #3

Alimony/Child Support

Federal Taxes

State/Local Taxes

Legal Fees


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OBLIGATIONS - Other

***** BUSINESS EXPENSE *****

Deductible Expenses

Non-Deductible Expenses

BUSINESS - Other

***** ENTERTAINMENT *****

Vacation/Travel

Videos/DVDs

Music

Games

Rentals

Movies/Theater

Concerts/Plays

Books

Hobbies

Film/Photos

Sports

Outdoor Recreation

Toys/Gadgets

ENTERTAINMENT - Other

***** SUBSCRIPTIONS *****

Newspaper

Magazines

Dues/Memberships

SUBSCRIPTIONS - Other

***** MISCELLANEOUS *****

Bank Fees

Postage

MISC - Other


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Documents

Money Manager EXCEL