VX42 Home Budget Worksheet Created by Eric Bray and Vertex42 LLC © 2007 Vertex42 LLC

JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC TOTALS

Income Categories
Take Home Pay 0.00
Bonuses 0.00
Gifts Received 0.00
Tax Refunds 0.00
Interest Income 0.00
Dividends 0.00
Refunds/Reinbursements 0.00
Savings Withdrawal 0.00
Other Income #1 0.00
Other Income #2 0.00
Other Income #3 0.00

TOTAL INCOME 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Deductible Expenses
Business Expenses
Unreimbursed 0.00
Office At Home 0.00
Other Business Expenses 0.00
Charitable Contributions
Religious 0.00
Other Non-Profit 0.00
Deductible Tax
Personal Propery Tax 0.00
Real Estate Tax 0.00
Other Deducible Tax 0.00
Health
Medical Insurance 0.00
Medicine/Drug 0.00
Doctor/Dentist/Optometrist 0.00
Hospital 0.00
Other Health 0.00
Alimony 0.00
Losses-Unreimbursable 0.00
Mortgage Interest 0.00
Other Deductible 0.00

Total Deductible Expenses 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Non-Deductible Expenses
Auto/Transportation
Fuel 0.00
Service 0.00
Transportation 0.00
Other 0.00
Baby
Diapers 0.00
Formula 0.00
Clothing
Clothes / Shoes 0.00
Laundry / Dry Cleaning 0.00
Other Clothing 0.00
Daily Living
Babysitting / Child Care 0.00
Dining / Eating Out 0.00
Groceries 0.00
Personal Supplies 0.00
Discretionary
Name 1 Allowance 0.00
Name 2 Allowance 0.00
Dues/Subscriptions
Club Memberships 0.00
Newspaper 0.00
Child Sports 0.00
Education
Music Lessons 0.00
School Lunch 0.00
Tuition 0.00
Other Education Expenses 0.00
Entertainment
CD/DVD 0.00
Books/Magazine 0.00
 Dates 0.00
Film/Photos 0.00
Hobby 0.00
Movie Rental 0.00
Other Entertainment 0.00
Gifts Given 0.00
Household
Furnishings 0.00
Appliances 0.00
Improvements 0.00
Maintenance 0.00
Other Household 0.00
Insurance
Auto Insurance 0.00
Homeowners Insurance 0.00
Life Insurance 0.00
Rental Insurance 0.00
Other Insurance 0.00
Lawn/Garden
Lawn/Plants 0.00
Tools/Equipment 0.00
Other Lawn/Garden 0.00
Loan Payments
Auto Loan 0.00
Credit Card Payments 0.00
Educational Loan 0.00
Installment Loan 0.00
Personal Note 0.00
Other Loan 0.00
Miscellaneous
Bank Fees 0.00
Postage 0.00
Other Miscellaneous 0.00
Non-deductible Expense
Rent Expense 0.00
House Payment 0.00
Savings
Emergency Fund 0.00
Transfer To Savings 0.00
Investments 0.00
Other Savings Expense 0.00
Tax Not Withheld
Fed Tax Not Withheld 0.00
Other Tax Not Withheld 0.00
Utilities
Electricity 0.00
Gas 0.00
Internet 0.00
Oil/Fuel 0.00
Telephone 0.00
Trash Pickup 0.00
Water/Sewer 0.00
Other Utility 0.00
Vacation/Travel 0.00

Total Non-Deductible Expenses 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

TOTAL EXPENSES 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Income - Expenses 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Beginning Balance 1,000.00

Predicted Ending Balance 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00 1,000.00
Actual Ending Balance
VX42 Home Budget Worksheet

Instructions
The Home Budget Worksheet is meant to help you create a budget for an entire year.
Doing this will help you make predictions about where you may stand financially
in the future. If you are moving, changing jobs, purchasing a home, or making other
major life changes, it is essential to plan for many months down the road.

1. Edit/Create/Delete categories and subcategories

Use row operations, such as copying an entire row and then inserting it
above another row. The subtotal formulas are set up to allow this type of
editing without messing up the formulas.
2. Verify that all of the subtotal formulas are correctly summing the correct cells
3. Modify the month headings as needed
4. Enter your beginning balance at the bottom of the worksheet
5. Fill in the income and expenses for the year
a. You can copy and paste cells as needed
For example, enter an average fuel cost in Jan, and copy it across through Dec
b. Include large lump payments in the months in which they will likely occur
or use the approach of averaging the cost across each month. When using the
averaging approach, consider that your actual balance may not reflect the predicted
balance for the month. If you use the lump payment approach, it may be easier
to compare actual balances, but make sure you have enough saved.
c. Add cell comments as needed to help explain costs. For example, include
the names of Birthdays in comments for the Gifts Given category

Updating the Worksheet

After a month has passed, enter your Actual Balance at the bottom of the worksheet.
If the actual balance is much different from the prediction, try to figure out why, and you
may want to adjust your worksheet to reflect what you actually received and spent.

Tips for Quicken Users

Make sure that you set up the Quicken categories the same as in your budget
worksheet, or vice versa. It helps to have the categories organized alphabetically
in this worksheet, because that is the way Quicken displays them in the Cash Flow reports.

Creating a Cash Flow report in Quicken makes it easy to compare the month's expenditures
to your budget.