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The Sample Home Budget Workbook

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This is the full Sample Home Budget Workbook. Walk through the Home Budget Tour to see how we use this workbook for our family's financial planning. I hope you enjoy it and add your own spin as you make your personal budget fit your own needs.

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The Sample Home Budget Workbook

  1. 1. An Excel Spreadsheet Example Holly Justice 4/28/2014
  2. 2. Family Budget Projection Updated 2014 Budget Projection Jan Feb Mar Qtr 1 Annual Projection Income Net Income 1st Check 1,200 1,200 1,200 3,600 14,400.00$ Net Income 2nd Check 1,200 1,200 1,200 3,600 14,400.00$ Extra Income - 200 100 300 1,200.00$ Total Net Income 2,400$ $2,600 $2,500 7,500$ 30,000.00$ Expenses Rent 700 700 700 2,100 8,400.00$ Car Payment 245 245 245 735 2,940.00$ Water/Sewer 300 - - 300 1,200.00$ Electricity 65 65 65 195 780.00$ Natural Gas 50 50 50 150 600.00$ Garbage Pickup 55 - 55 110 440.00$ Medical, Prescriptions, Vet 100 100 100 300 1,200.00$ Car Insurance 80 80 80 240 960.00$ Clothing, Gifts, House Repair 100 100 100 300 1,200.00$ Internet 55 55 55 165 660.00$ Phone 60 60 60 180 720.00$ Gas for Car 90 90 90 270 1,080.00$ Vacation & Entertainment 100 100 100 300 1,200.00$ Food & Supplies & Eating Out 600 600 600 1,800 7,200.00$ Misc - -$ Total Expenses 2,600$ 2,245$ 2,300$ 7,145$ 28,580.00$ Net Profit ($200) $355 $200 355$ 1,420.00$ This is the projection prepared at the beginning of the year. Holly Justice Page 2 2014
  3. 3. Family Budget Actual Updated 2014 Budget Actuals Jan Feb Mar Q1 Apr May Jun Q2 Income Net Income 1st Check 1,200 1,200 1,200 3,600 1,200 900 1,200 3,300 Net Income 2nd Check 1,200 1,200 1,200 3,600 1,200 900 1,200 3,300 Extra Income - 160 160 240 - 50 290 Total Net Income 2,400$ 2,400$ 2,560$ 7,360$ 2,640$ 1,800$ 2,450$ 6,890$ 7,360 cross check 6,890 Expenses Rent 700 700 700 2,100 700 700 700 2,100 Car Payment 245 245 245 735 245 245 245 735 Water/Sewer 275 - - 275 300 - - 300 Electricity 120 80 65 265 60 50 70 180 Natural Gas 200 185 50 435 50 35 25 110 Garbage Pickup 50 - 50 100 50 - 50 100 Medical, Prescriptions, Vet - - 150 150 200 300 - 500 Car Insurance 82 82 82 246 82 82 82 246 Clothing, Gifts, House Repair 100 100 100 300 100 100 100 300 Internet 50 50 50 150 50 50 50 150 Phone 50 50 50 150 50 50 50 150 Gas for Car 50 65 70 185 50 90 50 190 Vacation & Entertainment - - 250 250 - - 500 500 Food & Supplies & Eating Out 600 500 600 1,700 500 750 400 1,650 Misc 10 10 27 27 Total Expenses 2,522$ 2,057$ 2,472$ 7,051$ 2,437$ 2,479$ 2,322$ 7,238$ 7,051 cross check 7,238 Net Profit (122)$ 343$ 88$ 309$ 203$ (679)$ 128$ (348)$ This is where you track your actual income and expenses Holly Justice Page 3 2014
  4. 4. Family Budget Actual Updated 2014 Budget Actuals Income Net Income 1st Check Net Income 2nd Check Extra Income Total Net Income Expenses Rent Car Payment Water/Sewer Electricity Natural Gas Garbage Pickup Medical, Prescriptions, Vet Car Insurance Clothing, Gifts, House Repair Internet Phone Gas for Car Vacation & Entertainment Food & Supplies & Eating Out Misc Total Expenses Net Profit Jul Aug Sep Q3 Oct Nov Dec Q4 1,200 1,200 1,200 3,600 1,200 800 800 2,800 1,200 1,200 1,200 3,600 1,200 800 800 2,800 - - - - - - - - 2,400$ 2,400$ 2,400$ 7,200$ 2,400$ 1,600$ 1,600$ 5,600$ cross check 7,200 cross check 5,600$ 700 700 700 2,100 700 700 700 2,100 245 245 245 735 245 245 245 735 325 - - 325 260 - - 260 85 94 103 281 65 60 98 223 25 25 25 75 45 78 99 222 50 - 50 100 50 - 50 100 - - 200 200 100 - - 100 82 82 82 246 82 82 82 246 100 100 100 300 100 100 100 300 50 50 50 150 50 50 50 150 50 50 50 150 50 50 50 150 120 50 50 220 60 30 30 120 - - 250 250 50 50 50 150 800 700 600 2,100 500 700 600 1,800 2 2 50 50 2,632$ 2,098$ 2,505$ 7,234$ 2,357$ 2,195$ 2,154$ 6,706$ cross check 7,234 cross check (232)$ 303$ (105)$ (34)$ 43$ (595)$ (554)$ (1,106)$ Holly Justice Page 4 2014
  5. 5. Family Budget Actual Updated 2014 Budget Actuals Income Net Income 1st Check Net Income 2nd Check Extra Income Total Net Income Expenses Rent Car Payment Water/Sewer Electricity Natural Gas Garbage Pickup Medical, Prescriptions, Vet Car Insurance Clothing, Gifts, House Repair Internet Phone Gas for Car Vacation & Entertainment Food & Supplies & Eating Out Misc Total Expenses Net Profit Annual Actual 13,300$ 13,300$ 450$ 27,050$ 27,050 cross check 8,400$ 2,940$ 1,160$ 949$ 842$ 400$ 950$ 984$ 1,200$ 600$ 600$ 715$ 1,150$ 7,250$ 89$ 28,229$ 28,140 cross check (1,179)$ (1,179) cross check Holly Justice Page 5 2014
  6. 6. How Are We Doing How Are We Doing? Income Actual Projected Difference Net Income 1st Check 13,300.00 14,400.00 (1,100.00)$ Net Income 2nd Check 13,300.00 14,400.00 (1,100.00)$ Extra Income 450.00 1,200.00 (750.00)$ Total Net Income 27,050.00$ 30,000.00$ (2,950.00)$ Expenses Actual Projected Difference Rent 8,400.00 8,400.00 -$ Car Payment 2,940.00 2,940.00 -$ Water/Sewer 1,160.00 1,200.00 40.00$ Electricity 949.35 780.00 (169.35)$ Natural Gas 842.00 600.00 (242.00)$ Garbage Pickup 400.00 440.00 40.00$ Medical, Prescriptions, Vet 950.00 1,200.00 250.00$ Car Insurance 984.00 960.00 (24.00)$ Clothing, Gifts, House Repair 1,200.00 1,200.00 -$ Internet 600.00 660.00 60.00$ Phone 600.00 720.00 120.00$ Gas for Car 715.00 1,080.00 365.00$ Vacation & Entertainment 1,150.00 1,200.00 50.00$ Food & Supplies & Eating Out 7,250.00 7,200.00 (50.00)$ Misc 89.00 - (89.00)$ Total Expenses 28,229.35$ 28,580.00$ 350.65$ Net Profit (1,179)$ 1,420$ 2,599.35$ $0 $2,000 $4,000 $6,000 $8,000 $10,000 $12,000 $14,000 $16,000 Net Income 1st Check Net Income 2nd Check Extra Income Difference in Income Chart Actual Projected This spreadsheet uses links to the previous two spreadsheets to bring the data together. It provides the source data for the charts. Holly Justice Page 6 2014
  7. 7. Holly Justice Page 7 2014 $(300.00) $(200.00) $(100.00) $- $100.00 $200.00 $300.00 $400.00 Difference Difference Water/Sewer $40.00 Electricity $(169.35) Natural Gas $(242.00) Garbage Pickup $40.00 Medical, Prescriptions, Vet $250.00 Car Insurance $(24.00) Internet $60.00 Phone $120.00 Gas for Car $365.00 Vacation & Entertainment $50.00 Food & Supplies & Eating Out $(50.00) Misc $(89.00) Difference in Projected vs. Actual Expenses Chart
  8. 8. Holly Justice Page 8 2014 Rent 30% Car Payment 10% Water/Sewer 4%Electricity 3% Natural Gas 3% Garbage Pickup 2% Medical, Prescriptions, Vet 3% Car Insurance 4% Clothing, Gifts, House Repair 4% Internet 2% Phone 2% Gas for Car 3% Vacation & Entertainment 4% Food & Supplies & Eating Out 26% Misc 0% Actual Expenses Chart Where the Money Went

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