If anyone loves math and money and number and spreadsheets like I do, then this is for you. I figure that putting my budget out onto the internet might give me a reason to stick to it, even though I admittedly make it just because I love playing in Microsoft Excel.
So to hop right in...Here's what it looks like:
Now I do realize it's a bit hard to see and I will post some up close shots of it too but I wanted to be able to show what the whole spreadsheet looks like.
Here is the income section:
| SOURCE | BUDGET | ACTUAL | 2/12/2016 | 2/26/2016 | |||
| Income | DFAS | $ 2,504.00 | $ 2,981.00 | $ 1,728.07 | $ 1,252.93 | $ 477.00 | |
| MWFPD | $ 1,620.00 | $ 1,711.04 | $ 1,043.42 | $ 667.62 | $ 91.04 | ||
| State Incentive | $ 211.00 | $ 211.70 | $ 211.70 | $ 0.70 | |||
| PSS, LLC | $ 1,720.00 | $ 1,720.00 | $ 600.00 | $ 2,320.00 | |||
| Other | $ 300.00 | $ 300.00 | $ 300.00 | ||||
| Carryover | $ 417.87 | $ 792.92 | $ 792.92 | $ 375.05 | |||
| TOTAL | $ 4,752.87 | $ 7,716.66 | $ 5,584.41 | $ 2,732.25 |
The next section on my spreadsheet is for my regular monthly expenses:
| DATE DUE | ||||||||
| Regular Expenses | Mortgage | $ 1,358.15 | $ (1,358.15) | 3/1/2016 | ||||
| Electric | $ 81.18 | $ 81.18 | $ 81.18 | $ - | 2/10/2016 | |||
| Gas | $ 109.00 | $ 209.93 | $ 209.93 | $ 100.93 | 2/2/2016 | |||
| Water | $ 40.00 | $ 67.03 | $ 67.03 | $ 27.03 | 2/10/2016 | |||
| Cable/Internet | $ 88.47 | $ 88.47 | $ 88.47 | $ - | 2/12/2016 | |||
| Cell Phone | $ 212.00 | $ 212.61 | $ 212.61 | $ 0.61 | 2/12/2016 | |||
| Car Insurance | $ 142.14 | $ 142.14 | $ 142.14 | $ - | 2/22/2016 | |||
| Parking | $ 80.00 | $ (80.00) | 3/5/2016 | |||||
| TeenSafe | $ 14.95 | $ 14.95 | $ 14.95 | $ - | 2/12/2016 | |||
| Music & Arts | $ 22.07 | $ (22.07) | 2/22/2016 | |||||
| Kennedy Violins | $ 25.25 | $ (25.25) | 3/8/2016 | |||||
| YMCA | $ 240.00 | $ 172.00 | $ 172.00 | $ (68.00) | ||||
| Buffer for Mortgage | $ - | $ - | $ - | |||||
| Trash | $ - | $ - | $ - | - | ||||
| TOTAL | $ 2,413.21 | $ 988.31 | $ 988.31 | $ - | ||||
After that is my cash envelopes:
| Cash/ Envelopes | Food | $ 650.00 | $ 836.64 | $ 593.50 | $ 243.14 | $ 186.64 | |
| Fuel | $ 220.00 | $ 182.77 | $ 108.18 | $ 74.59 | $ (37.23) | ||
| Dining Out | $ 200.00 | $ 427.75 | $ 262.59 | $ 165.16 | $ 227.75 | ||
| Kids | $ 150.00 | $ 269.96 | $ 187.07 | $ 82.89 | $ 119.96 | ||
| Hygiene/Cleaning Supplies | $ 50.00 | $ 50.00 | | | $ 50.00 | $ - | ||
| TOTAL | $ 1,270.00 | $ 1,767.12 | $ 1,201.34 | $ 565.78 |
Then we have the debt section......the dreaded debt section....
| DATE DUE | BALANCE | INTEREST | PERCENT | ||||||||
| Debt | IHG Card | $ - | $ - | $ - | - | $ - | #DIV/0! | ||||
| Target Red Card | $ 25.00 | $ (25.00) | 3/6/2016 | $ 191.94 | 0.00% | ||||||
| Kohl's Card | $ 25.00 | $ 25.00 | $ 25.00 | $ - | 2/18/2016 | $ 284.93 | $ 5.68 | 1.99% | |||
| JcPenney Card | $ 25.00 | $ 35.00 | $ 35.00 | $ 10.00 | 2/23/2016 | $ 306.41 | 0.00% | ||||
| EF Tours | $ 162.00 | $ 81.00 | $ 81.00 | $ (81.00) | 2/15/2016 | $ 729.00 | 0.00% | ||||
| Park FCU Loan | $ 144.00 | $ 818.26 | $ 144.00 | $ 674.26 | $ 674.26 | 2/17/2016 | $ 802.83 | $ 15.43 | 1.92% | ||
| BarclayCard | $ 33.00 | $ 32.03 | $ 32.03 | $ (0.97) | 2/9/2016 | $ 1,081.08 | $ 29.70 | 2.75% | |||
| Discover 4th | $ 40.00 | $ (40.00) | 3/4/2016 | $ 1,136.50 | 0.00% | ||||||
| Capital One Card | $ 70.00 | $ 70.00 | $ 70.00 | $ - | 2/25/2016 | $ 1,766.67 | 0.00% | ||||
| Amazon Store Card | $ 70.00 | $ 41.00 | $ 41.00 | $ (29.00) | 3/5/2016 | $ 2,115.57 | 0.00% | ||||
| KHESL | $ 51.00 | $ 51.00 | $ 51.00 | $ - | 2/15/2016 | $ 2,244.12 | $ 5.38 | 0.24% | |||
| Discover 2nd | $ 75.00 | $ (75.00) | 3/2/2016 | $ 2,474.53 | 0.00% | ||||||
| Chase Card | $ 75.00 | $ (75.00) | 3/6/2016 | $ 2,892.20 | 0.00% | ||||||
| GatewayOne Lending | $ 229.25 | $ (229.25) | 2/29/2016 | $ 8,949.80 | 0.00% | ||||||
| OneMain Financial | $ 245.68 | $ 245.68 | $ 245.68 | $ - | 2/10/2016 | $ 10,072.88 | 0.00% | ||||
| AllyAuto | $ 311.96 | $ 311.96 | $ 311.96 | $ - | 2/10/2016 | $ 11,140.29 | $ 69.37 | 0.62% | |||
| Nelnet | $ 249.63 | $ 249.63 | $ 249.63 | $ - | 2/16/2016 | $ 31,597.31 | 0.00% | ||||
| Navient | $ 223.25 | $ (223.25) | 3/3/2016 | $ 45,289.63 | $ 55.65 | 0.12% | |||||
| TOTAL | $ 2,054.77 | $ 1,960.56 | $ 1,245.30 | $ 715.26 | $ 123,075.69 | $ 181.21 |
Finally I have a section for my sinking funds and then totals:
| BALANCE | ||||||||
| Sinking Funds | Emergency Fund | $ 15.00 | $ 30.00 | $ 15.00 | $ 15.00 | $ 15.00 | $ 143.94 | |
| Clothing | $ 15.00 | $ 30.00 | $ 15.00 | $ 15.00 | $ 15.00 | $ 41.83 | ||
| Medical | $ 93.39 | $ 93.39 | $ 93.39 | |||||
| Home/Car Maintenance | $ 11.00 | $ 11.00 | $ 11.00 | |||||
| Other/Spending Money | $ 268.37 | $ 138.67 | $ 129.70 | $ 268.37 | ||||
| Christmas | $ 15.00 | $ 30.00 | $ 15.00 | $ 15.00 | $ 15.00 | $ 103.61 | ||
| TOTAL | $ 45.00 | $ 462.76 | $ 288.06 | $ 174.70 | $ 289.38 | |||
| TOTAL EXPENSES | $ 5,782.98 | $ 5,178.75 | $ 3,723.01 | $ 1,455.74 | ||||
| INCOME REMAINING | $ (1,030.11) | $ 2,537.91 | $ 1,861.40 | $ 1,276.51 | ||||
As you may or may not be able to tell, I have a column that has conditional formatting so I can easily see if I was over or under....red bad, green good.
The spreadsheet I made is based on instructions from GazelleInTents. You can view their YouTube channel here: https://www.youtube.com/channel/UCDc2GSW7mqC652FZ2GQDXfw/featured
This channel has been a great source of inspiration for me. It has encouraged me to develop a budget spreadsheet and start making choices that will get me to my financial goals. I HIGHLY recommend this channel. Check them out.
So that's the basics of my budget spreadsheet. I plan on doing some detailed posts about each section and what my actual numbers look like. I don't know if it will show up or not but I have over $120,000 in debt. This will be a long process. Until next time.....good night all.
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