Welcome!

Welcome to Gather Little by Little's budget template. This is a free Microsoft Excel template, developed by glblguy@gatherlittlebylittle
Version 1.1
Why Use this Spreadsheet?
Besides the fact that it's free, here are just a few reasons you should consider using this spreadsheet:
* Budget's by pay period - the default is 2 payperiods per month
* Follows the Dave Ramsey zero based budget strategy
* Simple and easy to maintain (with basic knowledge of MS Excel)
* Highly flexible

About the Spreadsheet

The spreadsheet consists of multiple worksheets. The main worksheet is label Monthly Budget and contains a summary of all of your inco
expenses and also shows how much you have remaining in each category. The Monthly Budget spreadsheet is also divided into two sectio
1st half of the month and the 2nd half of the month.

The Monthly Budget spreadsheet by default is for users that get paid twice per month. This can be changed to once a month by just dele
columns F-H. It could also be extended but would require a reasonable amount of MS Excel knowledge.

Other worksheets track various categories at a transaction level and total the transactions for use in the Monthly Budget worksheet. Note
categories are tracked at a transaction level.

Using the spreadsheet

Using the spreadsheet is simple. Before the coming budget month, allocate a planned amount for each category for each pay period. The
totals at the very bottom should be zero when expenses are subtracted from income. This way each dollar "has a home". As you incur e
throughout the pay period, enter them in the appropriate category worksheet. The spreadsheet with automatically update the Monthly Bu
worksheet to reflect the expenses and will show the budget amount remaining. That's all there is to it. For budget items where there isn
dedicated category worksheet, just enter the expense amount directly into the actual column.

Donate?

This budget spreadsheet is absolutely free. There's no obligation of any sort to pay for it and feel free to share it with your friends. If you
useful and decide that you'd like to donate money, you can send it via PayPal, to glblguy@gatherlittlebylittle.com

Help

If you have questions, think you may have found an error, or have a feature suggesion, please email me at glblguy@gatherlittlebylittle
You can also find lots of great information on personal finance and budgeting at my website: Gather Little by Little
(http://www.gatherlittlebylittle.com).
Monthly Budget for Dec 2010
1st Half 2nd Half
INCOME Planned Actual Difference Planned Actual Difference
Net Salary $5,000.00 $5,000.00 $- $- $- $-
Company Reimbursements $- $- $- $- $- $-
Misc Income $- $- $- $- $- $-
Rollover from Prior $- $- $- $- $- $-
Total Income: $5,000.00 $5,000.00 $- $- $- $-

1st Half 2nd Half

EXPENSES Planned Actual Difference Planned Actual Difference
Housing
Mortgage/Rent $1,800.00 $1,800.00 $- $- $- $-
Homeowners Insurance $- $- $- $- $- $-
Repairs/Maintenance $- $- $- $- $- $-
HOA Dues $- $- $- $- $- $-
TOTAL HOUSING $1,800.00 $1,800.00 $- $- $- $-

Utilities
Water/Sewer/Electric $120.00 $74.19 $(45.81) $- $- $-
Gas $40.00 $- $(40.00) $- $- $-
Phone $- $- $- $- $-
Cable/Internet $50.00 $- $(50.00) $- $- $-
TOTAL UTILITIES $210.00 $74.19 $(135.81) $- $- $-

Food $- $- $- $- $- $-
Groceries $400.00 $164.35 $(235.65) $- $- $-
Eating Out $300.00 $32.00 $(268.00) $- $64.00 $64.00
TOTAL FOOD $700.00 $196.35 $(503.65) $- $64.00 $64.00

Transportation
Car Payment #1 $50.00 $- $(50.00) $- $- $-
MRT $60.00 $- $(60.00) $- $- $-

Monthly Budget
 INCOME Planned Actual Difference Planned Actual Difference
Repairs and Tires $- $- $- $- $- $-
Car Insurance $- $- $- $- $- $-
Registration and Taxes $- $- $- $- $- $-
Inspections $- $- $- $- $- $-
TOTAL TRANSPORTATION $110.00 $- $(110.00) $- $- $-

Clothing
Clothing $100.00 $- $(100.00) $- $- $-
TOTAL CLOTHING $100.00 $- $(100.00) $- $- $-

Personal
Term Life Insurance $- $- $- $- $- $-
Hair Care $30.00 $10.50 $(19.50) $- $- $-
Medical $500.00 $- $(500.00) $- $- $-
Gifts Given $50.00 $20.00 $(30.00) $- $- $-
Misc $- $- $- $- $- $-
Dry Cleaning $- $- $- $- $- $-
Cell Phones $48.00 $51.00 $3.00 $- $- $-
Pets $- $- $- $- $- $-
Blow Money $- $- $- $- $- $-
TOTAL PERSONAL $628.00 $81.50 $(546.50) $- $- $-

Education
School Supplies $- $- $- $- $- $-
Childcare $500.00 $50.10 $(449.90) $- $- $-
Field Trips $- $- $- $- $- $-
TOTAL EDUCATION $500.00 $50.10 $(449.90) $- $- $-

Savings
Emergency Fund $- $50.10 $50.10 $- $- $-
Real-Estate Taxes $- $- $- $- $- $-
Christmas Fund $- $- $- $- $- $-
General Savings $- $50.10 $50.10 $- $- $-
TOTAL SAVINGS $- $100.20 $100.20 $- $- $-

Monthly Budget
 INCOME Planned Actual Difference Planned Actual Difference
Credit Cards
CC#1 $- $- $- $- $-
CC#2 $- $- $- $- $- $-
CC#3 $- $- $- $- $- $-
TOTAL CREDIT CARDS $- $- $- $- $- $-

1st Half 2nd Half

BUDGET SUMMARY Planned Actual Difference Planned Actual Difference
INCOME $5,000.00 $5,000.00 $- $- $- $-
EXPENSES $4,048.00 $2,302.34 $(1,745.66) $- $64.00 $64.00
NET $952.00 $2,697.66 $1,745.66 $- $(64.00) $(64.00)

WHOLE MONTH
Planned Actual Difference
$5,000.00 $5,000.00 $-
$4,048.00 $2,366.34 $(1,681.66)
$952.00 $2,633.66 $1,681.66

Monthly Budget
Category Home Repairs/Maintenance

First Half
Date Description Amount

TOTAL $-

Second Half
Date Description Amount

TOTAL $-
Category Groceries

First Half
Date Description Amount
1/12/2010 Sheng Shong $16.45
3/12/2010 cold storage $9.30
3/12/2010 Sheng Shong $15.00
4/12/2010 Sheng Shong $2.85
5/12/2010 Mustafa $47.45
6/12/2010 cold storage $8.25
8/12/2010 Sheng Shong $3.45
8/12/2010 bedsheet $11.90
9/12/2010 Sheng Shong $5.50
10/12/2010 Fairprice $44.20

TOTAL $164.35

Second Half
Date Description Amount

TOTAL $-
Category Eating Out

First Half
Date Description Amount
5/12/2010 hot chip mustafa $11.70
$20.30

TOTAL $32.00

Second Half
Date Description Amount
TOTAL $64.00
Category Gas

First Half
Date Description Amount

TOTAL $-

Second Half
Date Description Amount

TOTAL $-
Category Clothing

First Half
Date Description Amount

TOTAL $-

Second Half
Date Description Amount

TOTAL $-
Category Hair Care

First Half
Date Description Amount
5/12/2010 Mustafa - razor $10.50

TOTAL $10.50

Second Half
Date Description Amount

TOTAL $-
Category Field Trips

First Half
Date Description Amount

TOTAL $-

Second Half
Date Description Amount

TOTAL $-
Category Medical

First Half
Date Description Amount

TOTAL $-

Second Half
Date Description Amount

TOTAL $-
Version Changes
1.00 Initial Version
1.01 Fixed issue with row 68 not summing correctly
Added childcare row under Education
Fixed issue with 6 pages printing on main budget sheet by moving Monthly Summary down
Resolved issue with detail tab totals not reflecting on main spreadsheet