my money manager

8/19/2019 My Money Manager

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INSTRUCTIONS © 20For Excel 2010 or Later

Intro

spreadsheet applications, you should know that spreadsheets are error-prone. It is easy toake istakes, accidentally delete thin!s that should not "e deleted, #or!et to copy #oruetc. I# you are co#orta"le usin! $xcel, know how to identi#y and #ix #orulas when needeunderstand how to use "asic row operations %delete, copy, inserted copied rows, etc.&, areokay with the le'el o# risk you take on "y usin! a spreadsheet, and #ollow the instructionsand !uidelines, you should #ind this spreadsheet 'ery use#ul.

General Tips - $xcept #or custoi(in! the cate!ories, you norally only edit cells with a !ray "order) - *oe o# the la"els include cell coents %arked with little red trian!les& to pro'ide

extra help in#oration. - +ou can add your own cell coents his is especially use#ul in the ud!et worksheet,

where you can create notes to explain irre!ular or 'aria"le expenses. - I# you see // in a cell, widen the CL3 to display the cell contents. - his work"ook uses a lot o# conditional #orattin!. Look up /conditional #orattin!/ in the

$xcel help syste %51& i# you want to know how it works. - +ou can add a liited aount o# security "y password protectin! your work"ook, "ut that

can "e easily "ypassed "y anyone with alicious intent. he security o# your data is yourresponsi"ility.

Step 1 Customize Categories (or don't)

I# you need to ake chan!es to the cate!ories, ake sure that you ake correspondin!chan!es in 6LL the other worksheets.

worksheet and then ake sure that the 7eport and Cate!ories worksheets correspond.

deletin! entire rows& to help ensure that all #orulas are copied correctly. 6lways insertnew rows "etween the #irst and last ite in the cate!ory. I# you insert a row iediatelya"o'e the /otal/ or /*u"total/ row, #orulas will not stretch to include the row you inserte

. Cate!ory naes in all the worksheets ust atch exactly. Conditional #orattin! is usedto hi!hli!ht the cate!ory naes i# the cate!ories are not #ound in the Cate!ories workshee

sin! duplicate cate!ory naes like /ther/ will result in errors, "ut you ay not easilynotice the errors. 3ake sure that each cate!ory is I8$.

I# you add or reo'e a9or cate!ories %like :ousin!, 5ood, :ealth, etc.&, any #orulas

will need to "e updated and it is 'ery likely you;ll iss soethin! and end up introducin!errors. ry to use the de#ault set o# cate!ories or 7$63$ the cate!ories, "ut a'oid addin!or reo'in! the a9or cate!ories.

Step 2 Deine !our "ist o #$$ountsList the accounts that you want to include in the ransaction :istory worksheet in thelist to the ri!ht. his list will "e used to populate the dropdown "ox in the 6ccounts coluo# the ransactions worksheet.

%erte&2 one* anager

he Vertex42< 3oney 3ana!er can "e a 'ery siple oney ana!eent tool. Like ost

- +a$,up your #ile re!ularly to a'oid losin! data $xcel #iles = !et corrupted occasionally.

he easiest way to !et started is to 9ust use t-e deault set o .udget $ategories.

TI/) I# you are !oin! to custoi(e the cate!ories, it ay "e easier to start #ro the ud!et

6. I# you #DD or D0"0T0 Categories, ake sure that you use row operations %copyin! or

C. No Dupli$ate Categor* Names

=. Do Not Remoe or #dd aor Categories

This is an examplecomment.


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will ake enterin! the account uch #aster #or you.

To add more accounts, insert rows above this line.

Step 3 Deine *our !earl* +udget=e#ine your "ud!et usin! the ud!et worksheet. $dit only the cells with the !ray outline.See Vertex42.com and the blog Vertex42Blog.com for tips on budgeting.

!o to the 7eport worksheet and enter the /+ear e!ins/ date. his will update the onthla"els in the ud!et worksheet.

enter an a'era!e #uel cost in >anuary, then copy the 'alue to other onths.

?4 "y 2, or /@?4A12A4B/ to add a "unch o# nu"ers. 5orulas are entered usin! theeuals /@/ si!n.

Step Re$ord Transa$tionshe ransactions worksheet lets you record transactions #or ultiple accounts. hink o# a

$xaples o# di##erent types o# transactions are !i'en "elow.

the #orattin!, data 'alidation, and #orulas !et copied correctly.T40 OST COON 0RROR is inserting a ne5 ro5 and orgetting to $op* ormulas do5n6

"ut #orulas and data 'alidation are not copied. +ou can press C7LAd a#ter insertin! a nerow to uickly copy all #orulas and #orattin! #ro the row iediately a"o'e.

Use t-e s$reens-ot .elo5 as a guide or -o5 to enter transa$tions6

TI/) I# you start each account nae with a di##erent letter, $xcel;s auto$omplete #eature

7 8or a 8inan$ial !ear t-at does not start in 9anuar*) e#ore enterin! your yearly "ud!et,

- +ou can $op* and paste t-e input $ells within the ud!et worksheet as needed. 5or exapl

7 Use ormulas to do "asic calculations like /@24BDE/ to di'ide 24B "y E or /@?4F2/ to ultipy

/#!0NT as money leaving the account and a D0/OSIT as money entering the account.

I/ORT#NT) +ou ust $op* and paste entire ro5s when addin! new rows, to ensure that all

Ghen you insert a "lank row, some #orattin! is copied #ro the row a"o'e it autoaticall

Num) his colun is usually used to list the check nu"er, "ut you can also use it to enter


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/=$H/ #or deposit, /57/ #or trans#er, /$5/ #or electronic #unds trans#er, /6C:/ #or6utoated Clearin! :ouse transactions, etc.

is a dropdown list that !ets its in#o #ro the Cate!ories worksheet.

he Cate!ory colun uses conditional #orattin! to hi!hli!ht the cate!ory HIJ i# the

cate!ory is not #ound in the Cate!ories worksheet, 7G i# the cate!ory is not #ound inthe +early or 3onthly worksheet, and K76+ i# the cate!ory is "lank, rans#erM, or alanceMI# the #orattin! isn;t copied correctly, you;ll lose this dou"le-check #eature. *o a!ain, thisspreadsheet is not error-proo#.

/ed;s 5und/ #ro the list in the Cate!ories worksheet, it will not "e chan!ed in the ransacta"le autoatically. +ou will need to ake sure that you #ind all the records that ha'e used/ed;s 5und/ as the Cate!ory and chan!e the to soethin! else.

he e!innin! alance on >667+ 1st #or each account should "e the #irst lines in there!ister. I# an account has a e!ati'e "alance %like a Credit Card&, enter the "alance as aHositi'e 'alue in the H6+3$ colun. I# an account has a Hositi'e "alance, enter the "alanas a Hositi'e 'alue in the =$H*I colun. se the 6ccount alance colun to copare tothe "alance shown on your "ank or credit card stateents.

+ou will pro"a"ly #ind that the #astest way to add new transactions is copy and paste siila

"elow the last transaction. hen, you 9ust need to edit the cells that need to "e chan!ed.

add new rows, select the last row o# the ta"le %row BN in the ia!e "elow& and dra! the #il

handle down to copy the row down to create as any new rows as you need.

Re$ording a S/"IT Transa$tionI# a sin!le transaction needs to "e allocated to ultiple "ud!et cate!ories, you need to cre

one #or each cate!ory. +ou can use the 3$3 #ield to indicate that the transaction is a /*pli

ACCOUNT DATE NUM PAYEE MEMO CATEGORY PAYMENT

Checking 1/1/10 2032 Target Spit C!thing 23"10

Checking 1/1/10 2032 Target Spit Gr!cerie# $%"1%

Checking 1/1/10 2032 Target Spit S&ppie# 2%"0$

calculation o## to the side o# the ta"le usin! an $xcel #orula, like /@*3%:1?):1B&/

Re$ording a :Transer; +et5een Spending #$$ounts

Categor*) he Cate!ory #ield is essential to the #unctionality o# this work"ook. he Cate!ory

I/ORT#NT) I# you ha'e chosen a cate!ory such as /ed;s 5und/ and then later reo'e

*tep 4-0) Delete t-e Sample Ro5s

*tep 4-1) 0nter t-e .eginning .alan$e(s)<

*tep 4-2) #dd Ne5 Transa$tions<

pre'ious transactions. +ou can select one or ore ro5s, copy the, and then paste the

TI/) 6lways lea'e the last row in the ta"le L6J so that you can easily add new rows. o

a S/"IT transaction. +ou can do this "y splittin! the transaction into ultiple transactions -

Tip


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7ecord a trans#er "y listin! two transactions %one H6+3$, one =$H*I& to o##set each othChoose /rans#erM/ as the Cate!ory #or "oth transactions. 5or exaple, a O2B0 credit cardpayent would "e recorded as a trans#er 573 your checkin! your credit card account)

ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPO

Cre(itCar( 1/1/10 T)*R +*r!, Checking- +Tran#.er- 1%0"

Checking 1/1/10 T)*R +T! Cre(itCar(- +Tran#.er- 1%0"00

char!es that you ha'e already recorded earlier in the ransaction :istory ta"le #or theCreditCard account. I# you are recordin! indi'idual CreditCard transactions usin! theransactions worksheet, or part o# the O1B0.00 was to pay down an outstandin! de"t, thencredit card payent would look like one o# the #ollowin!, where /Credit Card 1/ is a cate!under "li!ations.

xample !" #ot using $redit $ard %! any more, but still owe money on it.ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT

Checking 1/1/10 Cre(it Car( Cre(it Car( 1 1%0"00

xample 2" & portion of a credit card payment used to pay down '2(.)) of outstanding debACCOUNT DATE NUM PAYEE MEMO CATEGORY PAYME

Cre(itCar( 1/1/10 T)*R +*r!, Checking- +Tran#.er-

Checking 1/1/10 T)*R +T! Cre(itCar(- Spit +Tran#.er- 12%"0

Checking 1/1/10 T)*R +T! Cre(itCar(- Spit Cre(it Car( 1 2%"0

Re$ording a :Transer; To S#%INGS

worksheet that there are ultiple sa'in!s !oals listed as su"-cate!ories under the ain/o *a'in!s/ cate!ory. Instead o# 9ust throwin! oney into *a'in!s, you should allocate theoney to speci#ic sa'in!s !oals "ased on percenta!es. 5or exaple, B0P to your $er!ency5und, 2BP to 7etireent, etc. +ou do this "y recordin! the trans#er as a *HLI transaction)

In the exaple "elow, the C6$K7+ #or the *a'in!s account transaction is /rans#erM/while the C6$K7+ #or the Checkin! account transaction%s& are "ud!et su"-cate!ories.

ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DE

Saing# 1/1/10 T)*R +*r!, Checking- +Tran#.er- 20

Checking 1/1/10 T)*R +T! Saing#- E,ergenc *&n( 100"00

Checking 1/1/10 T)*R +T! Saing#- Retire,ent %0"00

Checking 1/1/10 T)*R +T! Saing#- C!ege *&n( %0"00

Re$ording a Return or Reund6 'ery coon approach #or recordin! returns or re#unds is to record the as a ne!ati'eexpense. 6s an exaple, let;s say you purchased a "lender #ro a departent store and

allocated the payent to your /6ppliances/ cate!ory. 6#ter returnin! the "lender, the storecredits your card. Instead o# enterin! the credit as a deposit, enter the aount as a ne!atipayent as shown "elow. =oin! this will credit the correct "ud!et cate!ory instead o#treatin! the return as incoe.

*riginal Transaction"ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPO

Cre(itCar( 1/1/10 The ig St!re Appiance# %0"00

NOT0) he a"o'e exaple assues that the /payent/ to your Credit Card is to pay o## the

Ghen "ud!etin!, you treat a transer to Saings as an e&pense. +ou;ll notice in the ud!et


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+ecording the +eturn"ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DEPO

Cre(itCar( 1/%/10 The ig St!re Appiance# %0"00

+udgeting or "arge %aria.le 0&penses5or lar!e payents that are ade once e'ery #ew onths or once a year, it is coon to

estiate a onthly "ud!et aount and trans#er the onthly aount into a teporarysa'in!s account, so that you ha'e enou!h oney a'aila"le when you need to pay the "ill.I# you are recordin! those trans#ers to sa'in!s each onth as an expense, then what doyou do when it coes tie to pay the "illQ

ne approach is to #irst trans#er the aount sa'ed #ro *a'in!s to Checkin!, recordin! thetrans#er as a credit to the expense cate!ory. hen, record the actual payent like noral.

!. +ecord the Transfer from Savings to $hecing as a $redit to the xpense $ategory ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DE

Saing# 4/1/1$ T)*R +T! Checking- +Tran#.er- 200"00

Checking 4/1/1$ T)*R +*r!, Saing#- 'n#&rance 20

2. +ecording the &ctual -nsurance ayment"ACCOUNT DATE NUM PAYEE CATEGORY PAYMENT DE

Checking 4/1/1$ 1023 AC 'n#&rance 'n#&rance 156"00

In the a"o'e exaple, the actual payent o# 1RS.00 was lower than what was pre'iouslytotal expense o# 200.00, so you could end up seein! a 'alue o# -2.00 in the 6ctual coluno# the report worksheet. his is siilar to what you i!ht see i# you recei'ed a re#und orreturn #or soethin! you paid in a pre'ious onth.

Ghen you see that char!es ha'e "een processed or /cleared/ "y your "ank, you should

transactions arked /7/ #or reconciled or /c/ #or cleared. his allows you to copare theCleared alance with the current "alance shown on your "ank stateents.

lookin! at to stay on "ud!et. he Cleared alance is #or coparin! to your "ank and creditcard stateents. 5or exaple, when you write a check to a #riend, it won;t show up in you"ank account until they cash it. +ou should record the transaction iediately, to help youstay on "ud!et, "ut until the check shows up on your "ank stateent, your Cleared alancwill "e di##erent #ro the 6ccount alance %until you enter a /c/ or /7/ in the reconcile colu

+ou should reconcile your accounts at least one a onth. 7econcilin! is also coonly kno

6. Ket your "ank and credit card stateents. 7e'iew your stateents #or errors and #raudulent char!esC. +our stateents ay include 63 #ees, "ank #ees, or other transactions that you #or!etto include in the ransactions worksheet. 6dd the.=. Veri#y that the Cleared alance %as o# the $ndin! *tateent =ate& in the ransactionsworksheet atches the *tateent alance.$. $nter an /7/ in the reconcile %7& colun #or e'ery transaction that shows up on your

*tep 4-?) Re$ord =Cleared= Transa$tions6

enter a /c/ in the re$on$ile (R) colun #or that transaction.

he Cleared +alan$e in the transaction history ta"le shows the 6ccount "alance #or the

he #$$ount +alan$e re#lects your a$tual or ee$tie .alan$e and is the one you should "

*tep 4-4) Re$on$ile !our #$$ounts

as /.alan$ing *our $-e$,.oo,/.


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"ank stateent.

transaction history ta"le to show a sin!le account at a tie.

I# you e'er ha'e reason to suspect that you #or!ot to copy #orulas, you should :I=$coluns >-L and copy the #orulas down.

Step > Tra$, !our /rogress

daily "asis, "ut you should at least ana!e your oney on a onthly "asis.

Using t-e Report ?or,s-eet

the onth. Chan!e the onth "y enterin! the onth nu"er %1 #or >an., 2 #or 5e"., etc.&.

he 7eport pulls the "ud!et in#o #ro the ud!et worksheet and the actual spendin! #ro

the ransactions worksheet, so you can 'iew the report at any tie durin! the onth andsee how uch you ha'e le#t %or how uch you ha'e o'erspent& in each cate!ory.

ransactions worksheet, please see *tep 4-B a"o'e %Check 5orulas&.

Using t-e !earl*Report ?or,s-eethe +early7eport worksheet is 'ery siilar to the ud!et worksheet except that it calculataounts #ro the ransactions worksheet to show you an Incoe and $xpense report.

I# you custoi(e "ud!et cate!ories, you will need to ake sure to edit the +early7eportworksheet so that all "ud!et cate!ories atch.

TI/) I# you are #ailiar with usin! $xcel lists or ta"les, you can use auto#ilterin! to #ilter th

*tep 4-B) C-e$, 8ormulas

6 'ery iportant part o# good mone* management is eeping trac of how your currentspending compares to your budget. +ou i!ht check your "ud!et status on a weekly or e'e

se the Report worksheet to copare your "ud!et to your actual spendin! throu!hout

I/ORT#NT) I# the 7eport worksheet does not appear to "e pullin! in#oration #ro the


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10-2014 Vertex42 LLC

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HELP >> Excel Tips

http://www.vertex42.com/ExcelTemplates/money-management-template.htmlhttp://www.vertex42.com/ExcelTips/workbook.html?xls=moneymanagerhttp://www.vertex42.com/ExcelTips/workbook.html?xls=moneymanagerhttp://www.vertex42.com/ExcelTemplates/money-management-template.html


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How to Budget: Budgeting Tips

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rans#erM ) oral "ack!round color to identi#y rans#ers

alanceM ) oral "ack!round color to identi#y e!innin! alancelah lah ) Cate!ory not #ound in the Cate!ories worksheetlah lah ) Cate!ory not #ound in the ud!et or 7eport worksheets

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!earl* +udget /

Starting +alan$eTotal In$ome

Total 0&pensesN0T (In$ome 7 0&penses)

/roe$ted 0nd +alan$e

INCO0Ga!es T ips

Interest Incoe

=i'idends

Ki#ts 7ecei'ed

7e#undsD7ei"urseents

5inancial 6id7ental Incoe

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Total INCO0

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7etireent 5und

3asters Hro!ra

Children;s $ducation

thers; $ducation

Children;s *a'in!s

In'estents

axes

Vacation 5und

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Total TO S#%INGS

P o# Incoe

C4#RIT!AGI8TSithin!

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7eal $state axes

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Transa$tion 4istor*

Account Date Num Payee Memo Category R PAYMENT DEPOSIT

Checking 1!114 "B#l#nce $s o% !1!12!14& alanceM ' ()*+!! , -#.ings 1!114 "B#l#nce $s o% !1!12!14& alanceM ' 2/04*+!! , BosC#rd 1!114 "B#l#nce $s o% !1!12!14& alanceM ' 2*+!! 2*+!!

Checking 1!114 6EP 6irect 6eposit %ro7 E7plo8er 9#ges Tips ' 1/!!!+!! , Checking 11!14 2!02 C#r P#87ent Vehicle P#87ents ' 11*+2! 11*+2!BosC#rd 11*14 ;oe


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ont-l* +udget Report© 2010-2014

+ear e!ins) 1D1D2014 e!in) 1A1A1 +ear-o-=ate) o 03onth) 1 $nd) 1A31A1

+UDG0T SU#R! 0B/0NS0 SU#R! ud!et 6ctual+udget #$tual Dieren$e *6VIK* 7$5 -

Total In$ome R08 E>FFFF6FF R08 C:67I+DKI5* 7$5 -

Total 0&penses R08 3F26> R08 :*IK 7$5 - N0T R08 EHHE6 R08 ILII$* 7$5 100.00

5= 7$5 SN.?476*H76I 7$5 11B.20 :$6L: 7$5 - =6IL+ LIVIK D6 - C:IL=7$ 7$5 - LIK6I* 7$5 - *I$** $H$*$ D6 - $$76I3$ 7$5 - **C7IHI* 7$5 - 3I*C$LL6$* 7$5 -

INCO0 ud!et 6ctual =i##erence

Ga!es T ips 7$5 1,000.00 7$5Interest Incoe 7$5 - 7$5

=i'idends 7$5 - 7$5Ki#ts 7ecei'ed 7$5 - 7$57e#undsD7ei"urseents 7$5 - 7$55inancial 6id 7$5 - 7$57ental Incoe 7$5 - 7$5IC3$-ther 7$5 - 7$5

Total INCO0 7$5 1,000.00 7$5

TO S#%INGS ud!et 6ctual =i##erence

$er!ency 5und 7$5 - 7$57etireent 5und 7$5 - 7$53asters Hro!ra 7$5 - 7$5Children;s $ducation 7$5 - 7$5thers; $ducation 7$5 - 7$5Children;s *a'in!s 7$5 - 7$5In'estents 7$5 - 7$5axes 7$5 - 7$5Vacation 5und 7$5 - 7$5*6VIK* -ther 7$5 - 7$5

Total TO S#%INGS 7$5 - 7$5P o# Incoe 7$5 0.0P

C4#RIT!AGI8TS ud!et 6ctual =i##erence

ithin! 7$5 - 7$5##erin!s 7$5 - 7$5Church *upport 7$5 - 7$5Ki#ts 7$5 - 7$5Christas 7$5 - 7$5C:67I+ - ther 7$5 - 7$5

Total C4#RIT!AGI8TS 7$5 - 7$5P o# Incoe 7$5 0.0P

4OUSING ud!et 6ctual =i##erence

3ort!a!eD7ent 7$5 - 7$5:oeD7ental Insurance 7$5 - 7$57eal $state axes 7$5 - 7$55urnishin!sD6ppliances 7$5 - 7$5LawnDKarden 7$5 - 7$53aintenanceD*upplies 7$5 - 7$5Ipro'eents 7$5 - 7$5:*IK - ther 7$5 - 7$5

Total 4OUSING 7$5 - 7$5P o# Incoe 7$5 0.0P

UTI"ITI0S ud!et 6ctual =i##erence

$lectricity 7$5 - 7$5KasDil 7$5 100.00 7$5GaterD*ewerDrash 7$5 - 7$5Hhone 7$5 - 7$5

Ca"leD*atellite 7$5 - 7$5Internet 7$5 - 7$5ILII$* - ther 7$5 - 7$5

Total UTI"ITI0S 7$5 100.00 7$5

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16/23

!earl* In$ome J

Starting +alan$e

Total In$omeTotal 0&penses

0T (In$ome 7 0&penses)$nd alance

Date +egin

Date 0nd

INCO0Ga!es T ips

Interest Incoe

=i'idendsKi#ts 7ecei'ed

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/$ategories0 alanceMrans#erMFFFFF IC3$ FFFFFGa!es T ipsInterest Incoe

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Vehicle Hayents6uto Insurance5uelusDaxiDrain 5are7epairsDires7e!istrationDLicense

76*H76I - therFFFFF :$6L: FFFFF:ealth Insurance=isa"ility Insurance=octorD=entistDptoetrist3edicineD=ru!s:ealth Clu" =uesLi#e InsuranceVeterinarianDHet Care:$6L: - therFFFFF =6IL+ LIVIK FFFFF$ducationClothin!

Hersonal *uppliesCleanin! *er'icesLaundry D =ry Cleanin!*alonDar"er=6IL+ LIVIK - therFFFFF C:IL=7$ FFFFFChildren)Clothin!3edical3usic Lessons*chool uition*chool Lunch*chool *uppliesa"ysittin!DChild Care

oysDKaesC:IL=7$ - therFFFFF LIK6I* FFFFF*tudent Loanther LoanCredit Card 1Credit Card 2Credit Card ?6lionyDChild *upport5ederal axes*tateDLocal axesLe!al 5eesLIK6I* - therFFFFF *I$** $H$*$ FFFFF=educti"le $xpenseson-=educti"le $xpenses*I$** - therFFFFF $$76I3$ FFFFFVacationDra'elVideosD=V=s3usicKaes


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7entals3o'iesDheaterConcertsDHlaysooks:o""ies5ilDHhotos

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Instructions

Adding a Category

Deleting a Sub-Category

Making Changes to Categories

This worksheet de%ines the list o% c#tegories used %or the drop,down in the'egister worksheet+ Dou 7ust 7#ke #solutel8 sure th#t the list o% c#tegories#re the s#7e in $LL worksheets

If you make a change to a category, you need to make that change in allorksheets!

, Cop8 #n existing row #nd insert the copied row where 8ou w#nt it #nd thenedit the C#tegor8 n#7e+ Then/ 7#ke sure the #dd the c#tegor8 in the Budget#nd 'eport worksheets+

, Be%ore 8ou st#rt recording tr#ns#ctions/ deleting # c#tegor8 is e#s8+ ;ustdelete the c#tegor8 row+ 6on


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one8 #n#ge7ent Te7pl#te

B8 Vertex42+co7

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Ple#se re.iew the %ollowing license #gree7ent to le#rn how 8ou 7#8 or7#8 not use this te7pl#te+ Th#nk 8ou+

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Do not delete this orksheet! % necess#r8/ 8ou 7#8 hide it 8 right,clicking on the t# #nd selecting Hide+
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