Cash Doctors Budget Planner
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Cash Doctors Budget Planner

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Cash Doctors Budget Planner Cash Doctors Budget Planner Document Transcript

  • Terms of Use CashDoctors.com.auPlease read and agree to the terms of use below before using this budgThis budgeting tool has been provided to the user with the following conditions:This budgeting tool has not been formally audited or reviewed and Cash Doctors accepts no responsaccurateness or completeness of this tool either inherent or explicit.If you choose to use this budgeting tool, you do so at your own risk and are responsible for your ownAs this budgeting tool has been downloaded to various electronic locations, Cash Doctors does not gcomputer viruses and electronic errors which may affect the integrity of the file and the system whichThis budgeting tool has been designed so that you can input your personal data to apply certain budgsituation. Cash Doctors is not responsible for inaccuracies, failure of the tool or calculation errors dueCash Doctors is not responsible for inaccuracies, failure of the tool or calculation errors due to inadeqof this budgeting tool.By opening this file you are by default, unconditionally accepting all of the above terms of use I have reviewed, understand and consent to the Terms of Use and
  • use below before using this budgeting tool.the following conditions:viewed and Cash Doctors accepts no responsibility for the adequacy,nt or explicit.our own risk and are responsible for your own due diligence. electronic locations, Cash Doctors does not guarantee that the file is free fromct the integrity of the file and the system which receives it. input your personal data to apply certain budgeting principals to your individualcies, failure of the tool or calculation errors due to the data you input into the tool.e of the tool or calculation errors due to inadequacies or errors within the codingally accepting all of the above terms of use.ent to the Terms of Use and 
  • Lets Start! Provide some basic information below, learn how to Enter your initial details 1. What year would you like to budget for? (e.g. this year or next?) 2. Select the month you want to start with (e.g this month or in the future?) 3. How much have you already saved? ($XX)Follow these simple steps to plan your budget and track your actual spending Step 1: Enter your earnings 1. Choose between a basic annual budget and an advanced monthly budget 2. Enter your estimated earnings 3. Dont forget to list every one of your income sources (e.g. shares, salary, odd jobs) Step 2: Enter your expected expenses 1. Choose between a basic annual budget and an advanced monthly budget 2. Enter all of your expected expenses (e.g. how much you would allocate for your transport expenses, hom Step 3: Track your actual spending as you go 1. Track your ACTUAL expenses throughout your selected budget period (this is different from your EXPE 2. Enter all of your expenses as you actually spend, this will save you time entering it all at the end of the m
  • Step 4: Your Summary Graphs1. See where your money is going at a glance with easy to read graphs2. Check the graphs regularly and print them to keep you and your family up to date on where your moneyAdditional Savings ToolsA. Savings Estimator Tool: Estimate your total savings potentialB. Savings Time Target Tool: See how long it will take to reach your savings goalC. Monthly Savings Tool: Find out how much you need to save to hit your time and savings goals
  • w, learn how to use the tool and find out what it will show you transport expenses, home loan/rent etc.) ifferent from your EXPECTED expense which you entered on tab 3 called "Step 2. Expenses")g it all at the end of the month
  • te on where your money is going and where you can improved savings goals
  • Step 1. Earnings Enter your earnings in this worksheet 1-1. Select the Basic Budgeting System if you receive frequent and equal amount OR select the Advanced Budgeting System if you expect to earn different am 1-2. Complete the table below with your estimated earnings starting in row 16 (do(Select which budgeting system you want to use) << Drop down (click the orange) Basic Frequency Amount Monthly Average Name this row - Name this row - Name this row - Name this row - Name this row - Name this row - Name this row - Total - TOTAL EARNINGS: -
  • orksheetyou receive frequent and equal amounts of money weekly, monthly, quarterly or annuallystem if you expect to earn different amounts each monthtimated earnings starting in row 16 (dont forget to list EVERY one of your income sources) Advanced Yearly Total - - - - - - - - - - - - - - - - - - -
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  • - Monthly Average Yearly Total - - - - - - - - - - - - - - - - - - -
  • Step 2. Expenses Enter your expected spending in this worksheet 2-1. Select the Basic Budgeting System if you expect to spend the same amount OR select the Advanced Budgeting System if you expect to have different mo 2-2. Complete the tables below with your expected expenses starting in row 16(Select which budgeting system you want to use) << Drop down (click the orange) BasicTransport Expenses Frequency Amount Monthly Average Car Loan/Lease - Car Registration - Car Maintenance - Car Insurance - Public Transportation - Petrol - Others (name this row) - Others (name this row) - Total -Home Expenses Frequency Amount Monthly Average Home Loan - Rent - Maintenance - Insurance - Assets (Furniture, Computer, etc) - Groceries - Laundry - Food - Others (name this row) - Others (name this row) - Total -
  • Utility Bills Expenses Frequency Amount Monthly AveragePhone -Mobile Phone -Gas -Electric -Internet -Water -Cleaners -Others (name this row) -Others (name this row) -Total -Health Care Expenses Frequency Amount Monthly AverageHealth Insurance -Life Insurance -Dental -Medical -Chemist -Optical -Others (name this row) -Others (name this row) -Total -Entertainment Expenses Frequency Amount Monthly AverageMovies -Movie/Show Rentals -Restaurants -TV Subscriptions -Shopping -Travel/Holidays -Others (name this row) -Others (name this row) -Total -Miscellaneous Expenses Frequency Amount Monthly Average
  • Others (name this row) -Others (name this row) -Others (name this row) -Others (name this row) -Others (name this row) -Total -TOTAL SPENDING: -
  • g in this worksheetyou expect to spend the same amount of money on a frequent and regular basisstem if you expect to have different monthly spending habitsxpected expenses starting in row 16 Advanced Yearly Total - - - - - - - - - - - - - - - - - - - Yearly Total - - - - - - - - - - - - - - - - - - - - -
  • Yearly Total - - - - - - - - - - - - - - - - - - - -Yearly Total - - - - - - - - - - - - - - - - - - -Yearly Total - - - - - - - - - - - - - - - - - - -Yearly Total - - - - -
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  • - Monthly Average Yearly Total - - - - - - - - - - - - - - - - - - -- Monthly Average Yearly Total - - - - - - - - - - - - - - - - - - - - - - -
  • - Monthly Average Yearly Total - - - - - - - - - - - - - - - - - - - - -- Monthly Average Yearly Total - - - - - - - - - - - - - - - - - - -- Monthly Average Yearly Total - - - - - - - - - - - - - - - - - - -- Monthly Average Yearly Total
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  • Step 3. Track as you go Track your actual spending in this worksheet 3-1. Enter your monthly earnings in the top table; the fastest way to do this is by r 3-2. Scroll down and enter your ACTUAL spending on each of the items in the tab 3-3. Row 25 will then show you how much left over cash you have for each monthActual Earnings vs. Actual Spend - - -Name this rowName this rowName this rowName this rowName this rowName this rowName this rowTOTAL EARNINGS: - - -TOTAL SPENDING: - - -Left over cash: - - - Ok Ok OkTransport ExpensesCar Loan/LeaseCar RegistrationCar MaintenanceCar InsurancePublic TransportationPetrolOthers (name this row)Others (name this row)Total - - -
  • Home ExpensesHome LoanRentMaintenanceInsuranceAssets (Furniture, Computer, etc)GroceriesLaundryFoodOthers (name this row)Others (name this row)Total - - -Utility Bills ExpensesPhoneMobile PhoneGasElectricInternetWaterCleanersOthers (name this row)Others (name this row)Total - - -Health Care ExpensesHealth InsuranceLife InsuranceDentalMedicalChemistOpticalOthers (name this row)Others (name this row)Total - - -
  • Entertainment ExpensesMoviesMovie/Show RentalsRestaurantsTV SubscriptionsShoppingTravel/HolidaysOthers (name this row)Others (name this row)Total - - -Miscellaneous ExpensesOthers (name this row)Others (name this row)Others (name this row)Others (name this row)Others (name this row)Total - - -
  • n this worksheettable; the fastest way to do this is by re-entering the data you entered in tab 1 (Step 1. Earnings)pending on each of the items in the tableseft over cash you have for each month - - - - - - - - - - - - - - - - - - - - - - - - Ok Ok Ok Ok Ok Ok - - - - - -
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  • - - - Monthly Average Yearly Total - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Ok Ok Ok Ok Ok - - - - - - - - - - - - - - - - - - - - -
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  • Step 4. Summary Graphs See your Budget Summary in graph format (Select Time Period) Please complete the initial details required in the LETS START tabActual Monthly Summary 1 1 1 1 1 1 0 0 0 0 - - - - - - - - - Actual amount you are earning Actual amount you are spending - -Actual amount you are earning - -Actual amount you are spending - -Actual money you have left for the month - -Track your savings! 1 1
  • 1 1 1 1 0 0 0 0 - - - - - - - - Monthly Savings - -Money at the start of the month - -Actual Income per month - -Actual Expenditures per month - -How much money do you have at the end of the month? - -Actual vs. BudgetSummary 1 1 1 1 1 1 1 1 1 1 1 1 0 0 0 0 0 0 0 0 - - - - Budget Actual Budget
  • Budget ActualIncome - -Expense - -Savings - -Actual vs. BudgetIncome 1 1 1 1 1 1 0 0 0 0 - Name this row Name this row Name this row Name this row Name this row Budget Actual Budget ActualName this row - -Name this row - -Name this row - -Name this row - -Name this row - -Name this row - -Name this row - -Total - -
  • Actual vs. BudgetExpenses 1 1 1 1 1 1 0 0 0 0 - Transport Expenses Home Expenses Utility Bills Expenses Health Care Expenses Entertainment Expenses Budget Actual Budget ActualTransport Expenses - -Home Expenses - -Utility Bills Expenses - -Health Care Expenses - -Entertainment Expenses - -Miscellaneous Expenses - -Total - -Expense DetailsTransport Expenses Budget ActualCar Loan/Lease - -Car Registration - -Car Maintenance - -Car Insurance - -Public Transportation - -
  • Petrol - -Others (name this row) - -Others (name this row) - -Total - -Home Expenses Budget ActualHome Loan - -Rent - -Maintenance - -Insurance - -Assets (Furniture, Computer, etc) - -Groceries - -Laundry - -Food - -Others (name this row) - -Others (name this row) - -Total - -Utility Bills Expenses Budget ActualPhone - -Mobile Phone - -Gas - -Electric - -Internet - -Water - -Cleaners - -Others (name this row) - -Others (name this row) - -Total - -Health Care Expenses Budget ActualHealth Insurance - -Life Insurance - -Dental - -Medical - -Chemist - -
  • Optical - -Others (name this row) - -Others (name this row) - -Total - -Entertainment Expenses Budget ActualMovies - -Movie/Show Rentals - -Restaurants - -TV Subscriptions - -Shopping - -Travel/Holidays - -Others (name this row) - -Others (name this row) - -Total - -Miscellaneous Expenses Budget ActualOthers (name this row) - -Others (name this row) - -Others (name this row) - -Others (name this row) - -Others (name this row) - -Total - -
  • graph formatetails required in the LETS START tab << Drop down (year-to-date as of what month?) - - - - - Actual money you have left for the month - - - - - - - - - - - - - - - - - - - - - - - -
  • - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 1 1 1 1 1 1 0 0 0 0 - - - - -Budget Actual Budget Actual
  • Under/Over Note - - - - - - Actual Income Breakdown 0%Name this row Name this rowUnder/Over Note - - - - - - - - - - - - - - - -
  • Actual Expense Breakdown 0%Entertainment Miscellaneous Expenses Expenses Under/Over Note - - - - - - - - - - - - - - Under/Over Note - - - - - - - - - -
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  • n Name this row Name this row Name this row Name this row Name this row Name this row Name this row
  • n Transport Expenses Home Expenses Utility Bills Expenses Health Care Expenses Entertainment Expenses Miscellaneous Expenses
  • Savings Estimator Tool See how much you can save in 5 years 1. Enter the initial information required below (e.g. How much are your estimated 2. Find out your savings potential over the next 5 years (row 37) 3. You can enter one-off additional savings amounts in column G from row 46 dowInitial Information 1. How much have you already saved? ($$) 2. How much are your monthly savings?* 3. What is your current bank account interest rate per year? << Enter your savings account annu 4. Please enter your starting year* << Enter your starting year in full, e. 5. Please enter your starting month* << Drop down * required fields Savings Chart 1 1 1 1 1 1 0 0 0 0 0 - - - - Savings Account estimated closing balance per year Year 1 Year 2 Year 3 Year 4 Amount saved per - - - - year (cumulative)
  • Track your Monthly Savings Enter your one-off additional savings in the white column below (column G) Month Opening Balance Monthly Savings Additional Savings Interest Earned - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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  • ow much are your estimated monthly savings?)ars (row 37) in column G from row 46 downEnter your savings account annual interest rateEnter your starting year in full, e.g. 2012Drop down - Year 5 -
  • e column below Closing Balance - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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  • Savings Time Target Tool See how long it will take to achieve your savings targ 1. Enter the initial information required below (e.g. How much is your savings targ 2. Find out when you will reach your savings target (rows 17 and 19) 3. You can enter one-off additional savings amounts in column G from row 49 dowInitial Information 1. How much have you already saved? ($$) 2. How much savings do you want to achieve?* 3. How much are your monthly savings?* 4. What is your current bank account interest rate per year? << Enter your savings account an 5. Please enter your starting year* << Enter your starting year in full 6. Please enter your starting month* << Drop down * required fields You will achieve your target in… - or by… - 1 1 1 1 1 1 0 0 0 0 Target Achieved 0 Savings Account Closing Balance Target Savings Target Achieved
  • Track your Monthly Savings Enter your one-off additional savings in the white column below (column G) Month Opening Balance Monthly Savings Additional Savings Interest Earned - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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  • your savings target much is your savings target? How much can you save every month?)ws 17 and 19) column G from row 49 downEnter your savings account annual interest rateEnter your starting year in full, e.g. 2012Drop down Please complete the required fields above > 20 years Target Achieved
  • column below Closing Balance - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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  • Monthly Savings Tool See how much you need to save per month to reach 1. Enter the initial information required below (e.g. How much is your savings targ 2. See how much you need to save every month to achieve your savings target (rInitial Information 1. How much money do you want to save?* 2. When do you need the money?* In… << Drop down 3. How much have you already saved? ($$) 4. What is your current bank account interest rate per year? << Enter your savings account ann * required fields Please complete the required fields above Month Opening Balance Savings Required Interest Earned Closing Balance Month 1 - - - - Month 2 - - - - Month 3 - - - - Month 4 - - - - Month 5 - - - - Month 6 - - - - Month 7 - - - - Month 8 - - - - Month 9 - - - - Month 10 - - - - Month 11 - - - - Month 12 - - - - Month 13 - - - - Month 14 - - - - Month 15 - - - -
  • Month 16 - - - -Month 17 - - - -Month 18 - - - -Month 19 - - - -Month 20 - - - -Month 21 - - - -Month 22 - - - -Month 23 - - - -Month 24 - - - -Month 25 - - - -Month 26 - - - -Month 27 - - - -Month 28 - - - -Month 29 - - - -Month 30 - - - -Month 31 - - - -Month 32 - - - -Month 33 - - - -Month 34 - - - -Month 35 - - - -Month 36 - - - -Month 37 - - - -Month 38 - - - -Month 39 - - - -Month 40 - - - -Month 41 - - - -Month 42 - - - -Month 43 - - - -Month 44 - - - -Month 45 - - - -Month 46 - - - -Month 47 - - - -Month 48 - - - -Month 49 - - - -Month 50 - - - -Month 51 - - - -
  • Month 52 - - - -Month 53 - - - -Month 54 - - - -Month 55 - - - -Month 56 - - - -Month 57 - - - -Month 58 - - - -Month 59 - - - -Month 60 - - - -
  • er month to reach your savings targetw much is your savings target? When do you need to have saved this amount by?)chieve your savings target (row 15)Drop downEnter your savings account annual interest rate - Gap target achieved - - - - - - - - - - - - - -
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